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When I got home from work today, my mother-in-law said to me: "Xiaoxi, if my cousin asks you to borrow money recently, depending on the situation, if you can borrow it, you won't borrow it!" ”
I said, "Mom, why?" My cousin has made a lot of money, so if he wants to borrow money, he won't have anything to do, right? ”
The mother-in-law said: "Your cousin has earned a lot of money, but it has been squandered, and now his sons are making money, so they will ask for it from their sons every now and then, if they look for you, if they can not borrow, they will not borrow, and they will give him food, but don't lend him the money to fool around!" ”
My husband's cousin looks like a boss in every way, and he is indeed very rich, but I often hear that the loan is being pursued and even threatened by my grandparents, which is quite worrying to think about.
The main thing is that you earn more money and save less, and even earn a piece and spend two yuan, so can it work?! If he had survived like me, he would be able to live a nourishing life now! The mother-in-law continued.
Mom, then you can teach me how to save your money**, I want to retire early and spend more time with you, haha! I said mischievously.
You're smart! ”
Then, the mother-in-law told her how to save money one by one, and Xiaoxi benefited very much!
Sometimes it's really not that you can't earn money, but that you won't save money, it's a matter of consciousness and execution.
Before retirement, my mother-in-law was an ordinary worker, with a monthly income of about 1,500 yuan, and with my father-in-law's income, my monthly income was only 4,000 yuan.
Later, when the factory closed down, my mother-in-law did her own housekeeping, earning about 1,000 yuan a month, and she had to pay pension insurance every month. Counting the husband's monthly living expenses for school, and the monthly fixed family expenses, there is really no money left. But they do have a lot of savings.
When it comes to saving money, many people feedback that how can they save without money? So how did the mother-in-law save money at that time?
It's hard to escape, and the pros who need it are recommended to collect!
When a month's salary is in hand, first sort out the fixed expenses of each month: such as rent, mortgage, water and electricity, property fees, children's living expenses, etc., and the remaining part is not much, and it is still necessary to carry out the daily life control of firewood, rice, oil and salt.
At this time, we can prepare a box, which can be iron, or any other sturdy box, just a small opening that can be stuffed with money, only in and out. Save a few or ten dollars a day, don't look down on it, after a long time, you can really save a lot!
The most important thing is that through this period, you can develop a good habit of thrift and thrift!
Gradually, wages go up or family expenses go down, and there is more money at your disposal for a month. My mother-in-law also improved, went to the bank to open an account, and took out a part of it every month for small deposits and withdrawals, and the interest was not bad at that time, not only saved money, but also interest income!
Just this ordinary and ordinary action makes their lives taste and confidence!
In fact, the method that my mother-in-law said is "forced savings"! Why is this method so powerful? Because, the road is simple, good saving habits, in order not to let your hard-earned money slip through your fingers!
Even if you only save 10 yuan a day, you will have 10,000 yuan in three years!
In the current digital age, there are fewer places to use cash, most of them use electronic payments, and there is no concept of spending money!
This method of saving money is even more important.
Now, we can invest in currency**, buy bonds, buy regular bank wealth management products, etc., and enjoy a certain amount of income while ensuring that we save money.
Over the years, let money make money, 10,000, 100,000, 100,000, 100,000 ......This is how it is accumulated bit by bit.
Only ask about hard work, not about harvest, and the work will be natural!
When saving money, don't ask how much you can save