Bill Gates once said, "It's as hard to spend a sum of money smartly as it is to earn it!" "You see, in fact, the same amount of money, if it falls into the hands of different people, there may be a variety of flows and values to show. Some people might say, "Oh, I'm just spending my money and not thinking about it that much; Some people may blindly follow the trend and spend on impulse; And some people are very cautious and cautious, and when buying a thing, they have to carefully consider its cost performance. Money is like a mirror, and we can see a person's vision, vision and height from the way we spend money.
First of all, I want to talk about those who don't know enough, and usually unwittingly fall into the vortex of consumption. Remember the famous scholar Abhijit, who won the Nobel Prize in Economics? He's a big fan of the "problem of poverty." In his book called The Nature of Poverty, he mentions a poor man named Parker. This Parker is an ordinary farmer living in Indonesia, and his family is living very hard, sometimes even struggling to support two meals. As a result, Parker's body was so weak that he couldn't work or make money. In order to alleviate the financial pressure on his family, his children either dropped out of school early to find work or were sent to spend their childhood with their grandparents. But you know, what shocked Abhijit was that when he visited Parker's house, he saw that Parker's house was full of TVs, ** and cell phones, as well as a lot of tea and coffee. Abhijit really wondered, how could he go for these expensive but useless items under such conditions? So Parker explained, "It's always necessary to have some fun." ”
Abhijit advised him that he should spend the money on nutrition or school for his children. Unfortunately, Parker doesn't seem to be on board with this suggestion. As long as he has a little pocket money, he immediately goes to enjoy life. It was only later that he came to understand that Parker was not an isolated case, and that so were many of the poor people in the land. In the end, Abhijit concludes that most of the reason why people are poor is not because of insufficient income, but because the level of knowledge is too low. When many people consume, they do it blindly and recklessly. They don't know what they need most, and they never think about the ratio between spending and returning, so they always fall into the abyss of consumption again and again.
The same story doesn't just happen in Indonesia, it's often played out around us. In today's society, more and more people take "having fun in time" as their motto, and think that "rewarding yourself" is the top priority. As a result, they follow what is popular, and they are willing to buy those niche products out of their pockets. For example, today I go to drink a cup of limited-edition milk tea launched by a certain brand in collaboration with a certain celebrity, and tomorrow I go to the store to buy a new mobile phone. As a result, the money they have worked so hard to save is inadvertently spent, but it does not bring more value-added benefits to themselves. There is a saying in the market: "What really determines the gap between the rich and the poor is the difference in cognitive level." "The worse the economy, the more we should keep our heads above water. Cherish every penny in your hand and think reasonably about the cost performance of every expense. Only by using these resources on things that are truly meaningful and worth investing in, not blindly following the trend, and not acting rashly, can you truly become a mature and stable adult.
Friends with wide horizons know how to take care of their money bags.
David **, a financial guru at the University of Oxford, is right: "Most of the troubles about money do not come from a small income, but from spending too much." ”
Sometimes, we are short of money, which may be because we don't look at the problem comprehensively enough and lack long-term cost planning. If you want to avoid this, you need to learn to plan ahead and save safely, so that you can deal with problems more calmly. I'm here to share with you a thought-provoking TED talk.
The protagonist in this speech is named Sun Ling, who worked hard in the factory at a young age, and the hard-earned money is only 2,000 yuan a month! When other female workers and sisters received their wages, some of them spent it immediately, while others saved it as a dowry. However, Sun Ling has grand ideals in her heart, and she is not willing to stay in this monotonous factory for the rest of her life. Once, by accident, she came into contact with a computer software course, and immediately became interested in this new knowledge. However, the training fee is so high that she can't even afford the first stage of tuition!
But Sun Ling didn't give up because of this, and after thinking deeply, she decided to start saving money. She has set the strictest consumption plan, and the food and clothing are as simple as possible, not to mention the purchase of beautiful clothes and accessories. It didn't take long for her to save enough 30,000 yuan. She didn't hesitate to take the money to enroll in a training course, and eventually managed to find a job as a programmer with excellent grades. Since then, she has insisted on saving money and investing in herself. First, I started by improving my skills, then I taught myself English, and finally I went to the United States to pursue a university degree. In just a few years, with her excellent professionalism, Sun Ling has successfully become a well-known Internet company in New York, with an annual income of up to one million! And the female colleagues who used to work with her are still standing still, unable to shake off the shackles of the factory. It is because Sun Ling used her money in the right direction that she was able to change the trajectory of her life and achieve a major leap in her life.
Masato Noguchi, a Japanese economist, once proposed an interesting theory of "three wallets". He believes that each of us has three wallets, one for spending, one for investing, and one for speculation. Among them, consumption is to meet the needs of one's own pleasure; Speculation refers to those investment behaviors that try their luck, such as buying lottery tickets or collecting high-end art, etc.; As for investment, it is something that can get a long-term return after a certain cost, such as investing money to improve one's own quality and cultivate children's educational talents. Really smart people always have a broader vision and can use the three flexibly. The correct rule of spending money should be: "one more, one less, one moderate". This means that you should make less speculative investments and more investments that can bring good returns, and at the same time, you must control the degree of consumption. For those flashy items, it can be saved; And for things that are beneficial to self-improvement, just spend it. Let's spend our money on meaningful things and we will be rewarded with unexpected rewards in the future.
Broad-minded people are not confined to the gains and losses of small money.
Writer He Quanfeng once said: "How a person spends money actually largely determines the height of his future success." ”
According to this theory, we can divide people into three levels according to their spending patterns. People at the bottom of the pyramid always squander their money and buy whatever they like. They only enjoy the pleasures in front of them, and they do not set aside any reserves, and the result is endless trouble. The second type of people who follow will hold on to their money bags, no matter what kind of ** they face, they will lock it tightly. Although they can ensure their basic needs, they have lost many precious experiences and have never truly experienced the happiness of the moment. The last level of people, they will be careful to spend every penny rationally, and invest the money where it is really valuable. They are good at making money by making money, making profits like a snowball, so that they can continue to increase their value and have a more colorful and free life. I have another vivid example to share with you: "Wealth is like a pool of water that is filled with water, and a lot of water flows away every day. "If we want to make all this lost money more useful, we need to make it more valuable and more profitable.
1.Spend your money on maintaining your physical and mental health:
Have you been concerned about any potential "health killers" in your life? Many people only know how to work hard to make money, ignore daily physical health care, and wait until some small problems turn into serious diseases, only to regret it and spend half of their life savings.
1.It's really worth investing in health!
Do you know? In fact, the cost of fitness, spending early is an investment, and if you are late, you can only count it as consumption.
Don't be picky when it comes to body care
I think we can get a fitness account or something, and throw some small money into it regularly, so that we can go to the gym, do a physical examination, or see what is wrong with us.
2.Invest more in relationships:
I remember the old saying:"A person can go fast, but someone needs help to go further. "
Money doesn't have wings like birds, and if you want to throw it away, sooner or later it will fly back to you!
Think about it, you have something to share with your friends; Or reach out to others when they have a tough problem.
People will definitely remember you and give you back in some way in the future.
The money you spend on relationships now will eventually become a ladder for you to climb the peak in the future!
3.Learn to use money to improve yourself:
Everyone still remembers what Yu Minhong said: "Instead of you being rich, you should be useful." ”
Cultivating your ability to earn money is more precious than having 1 million in cash.
Society is changing so fast now, and the skills you have now may not be useful in a long time.
So, in order not to be eliminated, you have to work hard to keep upgrading your abilities.
I believe that as long as you can dig deeper into yourself, continue to learn new knowledge, and improve your skills, your value and income will definitely rise in a straight line.
Publish a collection of dragon cards to share millions of cash
Mr. Liu Run once said: How a person views the issue of money will directly affect what kind of choices he makes, and ultimately what kind of life he lives.
The direction of your life is actually related to the money and the time you use.
Spending money only satisfies your vanity temporarily, but it can only bring you temporary pleasure.
However, if you manage it well and invest it properly, the right use of money can bring you unexpected surprises and growth.