Hello, I'm Yanqi.
A few days ago, a reader left a message, saying that he only spends a few hundred yuan a month, but still hasn't saved money because his income is too low.
There are also many people who say that although they earn more, they also spend more, and they still don't save much money.
Everyone has their own difficulties when it comes to saving money, but in general, there are only a few reasons.
Today, let's talk to everyone *** to see how many of you have hit
1. The income is too low
Our wealth is like a reservoir.
Revenue is the water inlet, and expenses are the water outlet.
If the water is too little and too slow, and the water is always coming out, the pool will naturally not be able to store.
Some people earn two or three thousand a month, and after deducting rent, water and electricity, and daily expenses, there is no money left.
2. Spend money lavishly
Savings = Income - Expenses.
In the case of a relatively fixed income, how much money is spent largely determines how much money can be left.
If you always spend money lavishly, spend as much as you want, and buy crazy as soon as your salary arrives, a thousand here and a few hundred, and soon the moonlight will shine.
3. Advance consumption
Some people like to slap their swollen faces and become fat, even if they don't have money, they have to spend with Huabei and credit cards.
But no matter how high the amount is, the money will have to be repaid after it is spent, and it will also generate a certain amount of interest, which is even more detrimental to the personal financial situation.
4. Too much vanity
Love face, everything has to be compared with others.
When you see others wearing big brands and using big brands, you have to buy them yourself, without considering the actual situation.
It's the same with social gift-giving, I can't wait to bring my entire net worth, for fear that if I have less money, others will look down on me.
As a result, the face is there, but the pockets are also empty.
5. Like to borrow money
When it comes to borrowing money, it's not good to borrow money from someone else, or if someone else asks you to borrow money.
Borrowing money from others means that the funds cannot be turned over, and there is something wrong with the financial situation.
Lend money to others, and wait for the other party to always be far away, and it is embarrassing to ask, it is better to keep it in the bank and earn some interest.
6. I like to apply for cards
Often*** fitness cards, haircut cards, beauty cards, and not used a few times, it is more expensive than direct consumption.
The point is that the store still often closes, and sometimes the money has not been spent, and the merchant has already run away.
7. Never look at things when you buy them
Every time I go to the supermarket or the mall, I throw it directly into the shopping cart when I see something pleasing to the eye, and I never look at it.
When it was time to check out, I felt that it was expensive and I was embarrassed to say no, so I could only let myself be the wronged leader.
Encounter a ** assassin twice in three days, no amount of money is enough for you to build.
8. Don't care about small money
I always feel that money is earned, not saved, and no matter how much I save a few cents, I can't get rich.
But a few dollars here, a few dollars there, a few dollars today, a few dollars tomorrow, and that's how the money is gone.
9. Impulsive spending
There was no demand for many things, but the live broadcast room was brushing and brushing, and the order was placed as soon as the mind was hot.
I can't see any words like "**clearance", and I feel that I will suffer a loss if I don't buy it.
As a result, it was useless to buy things home, and it took up space to eat ashes in the corner.
10. There is no savings plan
I never make plans, I don't pay attention to the use of my funds, and I always think about how much I have left over at the end of the month.
As everyone knows, if you don't arrange it in advance, as long as the money is in hand, it will always be spent.
Many times, saving money is always associated with words like "stingy" and "stingy".
ButIf you are always "poor and generous", the final result is often that you are rich for others and poor for yourself.
In fact, there is not so much necessary consumption in life, and many times we just consume for the sake of consumption.
Only by planning carefully, working hard to make money, and spending rationally can you save more and more money.
That's all for today.
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