On a cold winter night, my husband and I sat in the living room, carefully calculating our income for the year. Living in a third-tier city, our total annual income is only 160,000. After not counting various expenses, the only balance turned out to be just over 20,000. This situation makes us feel a little troubled, especially when the Chinese New Year is approaching, and we want to prepare some money for the Chinese New Year but have no spare money to spare. Suddenly, I thought of a set of data on the Internet that made us feel even more helpless and depressed about our situation.
This set of data comes from the sharing of netizens, and the couple's annual income is about 400,000 yuan, or even higher. And we, no matter how frugal we are, don't seem to be able to save any money. One of the netizens and her husband had a total income of more than 230,000 yuan, but only 9,000 yuan was left. Another netizen and her husband have a total income of about 200,000 yuan, and the only balance is only 3-40,000 yuan, and they also have to bear the mortgage and car loan. Looking at these numbers, I have more and more questions in my mind - what are we spending **?
Maybe it's because our income is too low. The stories of netizens tell us that raising family income is the only way to save moneyCritical。For example, if a couple earns 200,000 yuan a year, even if they save more, they can only leave about 100,000 yuan. If we can increase our income, say to 500,000, even if we spend 300,000, the remaining 200,000 will be much more than now. But the question is, a family like ours with a monthly salary of only 3,000 can only earn 300,000 more if we go to **?
However, I am also reflecting on my own thoughts. Am I taking saving too seriously? Just like my family this year, although we didn't save much money, we didn't suffer any losses. As the saying goes, isn't it a reward to think about it, when we eat, drink, and be merry in the city throughout the year without spending a penny? Perhaps, we should think more about the good and cherish what we already have.
After reading the sharing of these netizens, I came to a conclusion: saving money is not only to save expenses, but also to think about how to increase family income. For families with lower incomes like ours, saving money may be a regular practice, but we should not dwell too much on this issue. We should cherish what we already have, enjoy the bits and pieces of life, and feel the beauty of life with our hearts.
For me, familialFinanceThe situation is a continuous process of thinking and exploring. We need to keep learning from experience and trying new ways to increase revenue and better manage usFinance。Only in this way will we be able to face various challenges in life more calmly and create a better future for ourselves and our families.
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