Hello everyone, I'm Jiuyue.
In recent years, the economy has been in a downturn, and more and more people have become more rational and have begun to tighten their wallets to live.
Saving money is also a science, and there are different living conditions hidden behind it.
Some people save money because of the "awareness of saving money" and take precautions in order to cope with the risks of life.
Some people save money, but because poverty solidifies their thinking, they save what should be saved and what they shouldn't save are also saved, and the result is that it backfires and the gains outweigh the losses.
Today, I have summarized 10 typical ineffective money-saving behaviors based on my own experience and usual observations, hoping to help you avoid detours.
01 In order to save money, let the child stay in his hometown all the time
Due to the cost of living in big cities and the high threshold for their children's enrollment, some parents choose a more "cost-effective" way: let their children stay at home and work hard in the big city by themselves.
Long-term "left-behind" children have a sense of loneliness, inferiority, and even drop out of school early due to unsupervised ......When he reached adolescence, he was extremely rebellious and looked like he didn't eat oil and salt.
I believe that it is helpless to leave children behind, but the lack of companionship and love for children cannot be made up for with no amount of money, and as parents, we must know how to measure.
02 In order to save money, I wronged myself in eating and drinking
It is said that thrift is a virtue, but in eating and drinking, too much thrift is not necessarily a good thing, and it may lead to illness at least and death at worst.
For example, always for the sake of greed, buy stale vegetables, fruits, or rotten fruits, cut off the rotten parts, and continue to eat, causing gastrointestinal discomfort;
In order not to waste food, he asked for his own disc at every meal, and lasted until his stomach bleeds;
In order to save money, long-term porridge and pickles are cleared, resulting in malnutrition.
Thrift, which threatens health, is the most stupid, and I hope we all recognize this clearly, and then take the initiative to abandon these ineffective money-saving behaviors.
03 Don't see a doctor when you're sick, treat yourself yourself
My parents' generation, when they had minor illnesses and pains, always treated themselves first, thinking that it would be good to get some local remedies or go to the herb shop to buy some medicine and eat it.
As a result, a minor illness dragged on into a major illness, and in the end I had to spend more money and be hospitalized**.
04 In order to save money, blindly hoarding goods
When shopping, I always feel that buying more is cost-effective, and buying is earning, and I never thought that there would be a day when I couldn't finish eating, couldn't use up, and would expire on ......
For example, I wholesaled 3 boxes of ice cream in the summer, and I couldn't finish it until the winter, so I had to throw it away.
During the epidemic, I was too panicked and hoarded several boxes ......of masks, which are now idle and dusty
Blind hoarding will only cause waste; It's wise to buy what you need.
05 In order to save money, buy a cheap car and spend more money on repairs
A few years ago, when my husband bought a car, he did not hesitate to buy a manual transmission because the manual transmission car was more than 10,000 yuan cheaper than the automatic transmission and the fuel consumption was low.
After driving for a while, I found that the manual transmission car would often break down, and it would be overhauled three times in two months, not to mention the delay of the trip, and it cost a lot of maintenance costs.
I advise all friends who want to buy a car, please take the initiative to avoid cheap manual transmission ......
06 Desperately save money and pay off gambling debts for your family
I have seen many such examples: one person in the family is involved in gambling, and the whole family suffers.
For example, the father gambles and owes a lot of debts, and the moral kidnaps the children to repay him, and the children can't bear to watch the father fall into trouble, and desperately squeeze out the money to pay off the gambling debts.
As a result, old debts are not settled, new debts arise again, and the cycle repeats, and life is never at peace.
For gamblers, no matter who they are, please maintain an attitude of "indifference"; Your soft-heartedness and help again and again are tantamount to conniving at him to continue on this path and plunge yourself into poverty.
07 In order to save money, do useless work
Some money-saving behaviors actually have no real role and significance, such as:
was pinduoduo** to "cut a knife", asked a friend to help cut for an afternoon, and got empty;
Save all kinds of plastic bags that can't fit the garbage can, use them and don't use them, and throw them away and can't ...... them
08 Reluctant to invest in yourself
In life, some people regard money too much as important, and only think about saving money without knowing how to spend it.
They are reluctant to spend money to invest in themselves, and are unwilling to spend money on knowledge, services, and information to improve themselves.
Saving money hinders growth, and it is not cost-effective in the long run.
09 Sacrifice a lot of time and energy in order to save money
People who are too frugal are always used to trying their best to save money.
For example, when shopping, in order to save a few dollars and cents, it took an afternoon to compare prices back and forth;
To get a few free eggs, wait in a long line in the morning;
Save two dollars on the bus fare, walk a few kilometers to commute to work, and get home tired and ......
After all the hard work, the money is saved, but the precious time and energy are wasted, is it really worth it?
10 Saving money in life, spending money like dirt
In the values of some investors, consumer goods are worthless, but investment products are valuable; They firmly believe that every dollar they save can be invested into more money.
Firmly imprisoned by the so-called "compound interest thinking", they pick and search in all aspects of life, but they are willing to take risks and spend a lot of money in **, and the distribution of wealth is unreasonable, which will naturally cause a decline in the happiness of life.
Be thrifty and consume sparingly; Sometimes, if you save too much money, you will lose more than you gain.
We must keep our money rational, give up those useless frugality, spend money reasonably, save money effectively, and create a happy and stable life for ourselves and our families.