Money is not saved, but earned. How many people were deceived by this?

 "Money is not saved, but earned!"

I don’t know since when, more and more people began to spread this theory. At first, it seemed to make sense:

As long as you earn enough and spend not too much, you can always save money in the end.

Conversely, if you fail to save money, it must be because you haven't earned enough.

However, let's think about it carefully, who are the ones who usually say this?

 

01     Who are advocating that saving money is useless

1. Merchants desperately trying to empty your pockets

The logic is very simple. If everyone has to save money and stop spending, who can make business without people consuming?

Look at the pervasive consumerism now:

Watch a live broadcast, the internet celebrity will bring you the goods, "OMG! This lipstick is too good-looking, buy it!”

Take a look at your instagram feed, "Buy 3 and get free shipping!"

Not to mention the various holidays, no matter what kind of events, Valentine’s Day, Singles’ Day, Mid-Autumn Festival, Christmas and Chinese New Year, they are all becoming shopping carnivals

2. Rich people

The rich earns money even when they are sleeping. Basically, there is no need to save money. All they need to do is how to make more money from the existing money.

3. The people who lives on paychecks to paychecks and can't save money

This wave of "rich poor" is the most pitiful. It seems that the income is not low, but in fact, there is no family background. The scariest thing for them is to live less glamorous than others, so they try to cover it with high consumption-at least in terms of the quality of life. Seeking an equal footing with the middle and upper classes of society.

Many young people, under this kind of thinking, will consume more. When they see the new mobile phone, grab it! Internet celebrity restaurant, eat! Limited edition bags, buy!

At this time, consumption is no longer what you need, but what others "arrange" what you need and you feel what you need.

And it should be noted that the consumption here is more of enjoyment consumption rather than investment consumption. That is to say, nothing was left except those bright and beautiful photos in your instagram.

To make matters worse, this lifestyle will only drag more young people into the vicious circle: working 996 for the sake of money, consume desperately as soon as they get their paychecks, or even consume in advance, falling into an endless cycle of today and no tomorrow.

In this way of life, it seems that you are also working hard to get a promotion and salary increment, but in essence you have been rolling on the line of absolute poverty, and you are getting farther and farther away from financial freedom.

02     Saving the first pot of gold

In the past, our friends have shared their asset allocation plans many times, and each time there will be the same type of comment:

"The passive income is so high, it's not because the principal is high enough"

"If I had so much principal, my financial income would definitely not be less than theirs"

But have you ever wondered, where does this principal come from?

Except for the talented people who make money, such as the richest man or something, he can earn one hundred million but most people are actually ordinary people. Ordinary people mean that the income will not be too high, and the ways to make money are limited.

Once the consumption is excessive, it is possible that the income will not cover the expenditure. If you don't save money, where does the first pot of gold come from?

Another part is more pessimistic. If you are poor and has no savings. It is better to use this money to invest in yourself and increase your income.

However, first, if you don’t accumulate little by little, you can’t reach far. It looks like a small amount of money, but it can always turn into a huge amount of money. We must believe in the power of time and compound interest; second, if we can use investment consumption to replace enjoyment consumption and improve ourselves , It does sound excellent, but how many people can do it?

If you don’t save money, you will never experience the happiness of wealth growth, and you will never know the importance of using money to make money. The consequence of this is a contradictory vicious circle: telling others that money is yours only when you spend it. , But at the same time keep complaining that I don’t have enough money every month.

And only when you save the first pot of gold, you can make your wealth snowball bigger and bigger through financial management; if you earn more, you can fundamentally improve your quality of life.

03     What is the best way to save money?

Many people equate saving money with stinginess, especially the younger generation .They often think that saving money is a very uncool thing.

On the one hand, this is brainwashed by consumerism; on the other hand, it is also a misunderstanding of saving money.

Saving money is by no means being stingy, but choosing the most reasonable way of consumption after a reasonable assessment and planning of one's own consumption capacity.

For example, if you have a monthly income of 3,000, don’t covet 30,000 packages in a short time. It’s not too late to buy when your income increases.

Evaluation and planning must be based on the understanding of one's own consumption ability and consumption level, so this is why we say that tracking expenses is the first step in financial management.

Only by tracking expenses and clearly knowing your own income and expenditure situation, can it be possible to formulate reasonable budgets and goals, and achieve scientific savings and savings.

In summary, saving money does not mean stingy, but a rational way of life. Only when you withdraw from the consumption spree, you will see what you really want in your heart.

Compared with people living on paychecks to paychecks who eat, drink and play every day, we admire those ordinary, self-reliant young people who save themselves a new world.

 

I wish everyone can live a upgrading life of wealth with a downgrading consumption mentality!