Friday, April 29, 2022

30 years old: three problems you have to face

30 years old: three problems you have to face 

The first question is the question of family and responsibilities. Don't think that you are still young. Don't think that some problems are still much distanced from you. There are some problems, whether you are willing to face them or not, you must take on the responsibilities that match your age. Most people, at this age, have to think about family issues. If you have already married and established a business, you must be soberly aware: How should your career develop in order to ensure that you can support the burden of your entire family? This includes not only your lover, but also your children and parents.

At this stage, your pressure has increased exponentially, but if your growth in the workplace cannot be doubled, or even going backwards in some form, Then, your future career development will face more pressure. And this kind of pressure, more often, will make you have no spare energy to seek better development. Many people often have a big worry when they change jobs: if I quit, my income is not as high as it is now, will I easily move again in my current job? To put it more politely: Do I dare to move again easily? Do I still have the guts and courage? So, if you want to take action, try your best to move forward as soon as possible before you have the burden of family.


The second problem is the matching degree of ability and age. Why do many companies clearly stipulate similar work experience requirements such as 5 years of experience, 10 years of experience, etc. when recruiting talents? Because working time means the level of ability that matches it. For the same job, the abilities accumulated by 5 years of experience and 10 years of experience are not the same, and the responsibilities that can be undertaken are also different. The longer your working years, the stronger your ability.

One of the more difficult situations is the mismatch of ability and age. Many people who have worked for 3 or 5 years, or even those who have worked for a year, are not much different in terms of ability, so when their careers want to make a breakthrough, they will encounter a lot of resistance. There are two reasons for this situation: one is frequent job-hopping, there is no accumulation of experience; the other is that although accumulating experience, only the first year is growth, and the remaining few years They are all doing repetitive work and no growth. Therefore, for those 30-year-old friends, from now on, you must carefully examine a question: from graduation to now, how many years have you worked? Do the abilities you have match your age? If it does not match, then you must establish a sense of crisis as soon as possible and run forward to fill the gap.


The third problem is the organisation and structure knowledge. As one progresses in the corporate ladder, one cannot be stuck only having knowledge at operational level but also how the management level thinks and solve issues. In the workplace, people at different job levels do different things, and their vision and thinking patterns are also different. A most basic salesman thinks about how to maintain his sales quota. This is a tactical thing and his responsibility; but if a marketing director is in the role, he still thinks like a salesman. , that is his negligence. The operation of every enterprise is composed of strategy and tactics. Big strategies will be subdivided into small strategies, and small strategies will be subdivided into execution tactics one by one, which will be implemented by grassroots personnel. People at different levels are responsible for work at different heights and perform their duties. This is also the meaning of teamwork. Similarly, people at different levels have different knowledge structures. The higher the level, the higher your perspective and thinking on the problem, and the higher the level of your overall knowledge structure.


In addition, from the perspective of communication, the higher your position, the closer you are to the boss, and the more opportunities you have to contact the top leaders of the company. If your level of thinking is inconsistent with the bosses, then your ability cannot be recognized. In this situation, your chances of getting promoted are slim, and your career will stop there.

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Thoughts after 30 years old

Friday, April 22, 2022

Should you lend people money or not?



At the beginning of this year, my friend Chris and his wife had been quarrelling over this issue of lending money. Chris had agreed to lend money to his relative in order to have a wedding banquet.

Chris is straightforward guy and is honest with others. But in the eyes of his wife, Chris is too nice and she is worried that he is being deceived by others.

1. Chris’ relative borrowed 15k on the grounds of decorating the house end of last year and I heard that his relative have not repaid him the full sum yet.

2. When Chris bought a house, he wanted to borrow money from these relatives at the beginning, but he was rejected straight in the face, and this time his relative wanted to borrow money which Chris agreed to lend.



In my humble opinion, to borrow or lend money, in addition to the emotional considerations, we should also rationally examine the three borrowing principles:

1. Borrowing money, liken to investing, requires background checks

From Chris’ experience, he cannot bear to reject others, so he has to suffer himself.

To lend someone money, you must first know the ‘credit score ‘of the other party. If you are close enough with the potential borrower, you will definitely know the lifestyle, character and the purpose of borrowing money; you will probably know whether you can lend or not. Remember: the money is yours, not others! There is nothing wrong with not lending! So don't feel bad about not lending. If you need to refuse, you must refuse.

If you refuse to lend him money, you may lose this friendship; but if you lend him money, you may lose the friendship + money.

No matter what, the "friend" who always thinks about borrowing money from you is no longer a real friend, so it's even more understandable not to lend.

2. Agree on terms and abide to them

Borrowing money from anyone will incur interests. If the borrower can initiate the interest rate based on the borrowed sum that will reduce the awkwardness between them next time.

3. The bottom line of borrowing money

No matter what is the reason for borrowing money, it is nothing more than to win the understanding and sympathy of the borrower. If the borrower is ill or has no income for a period of time and other reasonable reasons, can consider his character and lend some money appropriately.

We can abide by the principle of "saving the emergency, not the poor".

What is the secret of maintaining friendship between friends? Don't lend money! Don't try to borrow money, and don't agree to borrow money easily.

Instead of owing favours to borrow money, it is better to learn how to plan and manage money. It is better to get a bank loan if it is possible.

 Read also:

"Money" is the best gauge to judge a person

Friday, April 15, 2022

Life will be much simpler if we don't think too much


The life of an adult is often busy with work, and cant voice out the grievances yet in front of people, we seem strong most of the times.

Although we can no longer cry like a child, we can still talk about our worries with our close ones and relieve the pressure on us.

When facing a "bad life", adults often adopt a self-digestive approach, which some people call "mature". It is precisely because of the pressure of "maturity" that we always carry everything on our own. But only oneself knows how bitter this taste is.

Don't hide everything in your heart, and stress yourself too much. We must always learn to release the pressure bit by bit, and constantly clear the negative emotions. Only by taking off the burden and loading lightly can we move forward courageously.


Letting go is easy said than done, it is always too difficult to do.

In fact, there is nothing that people want but cannot let go.

If you can't get it, why bother to pursue it; if you have lost it, why not forget it? Only when you have problems in your heart will you be burdened. When you put too many useless things into your mind, where can you hold good things?

"If you have been walking for a long time and still can't see hope, maybe it Is time to change the direction; for one thing, if you think about it for a long time and still get stuck in your mind, then choose to let it go."

No matter what annoying things you encounter, don't worry, the best attitude is to let go, learn to laugh at it, and treat it indifferently. After all, everyone possesses and loses; one chooses and gives up.


The greatest wealth in life is not material possessions, but spiritual abundance. Let go of unrealistic pursuits, there will be fewer and fewer worries and happiness will increase day by day.

Nine out of ten times when life is unsatisfactory, sadness is also part of life. If you want to live a happy life, don't let sorrow entrap you.

People often cannot control their own thoughts. Many of our troubles and entanglements are actually due to the complexity of simple things.. Life can be simpler if we are not stubborn.

Don’t be disturbed by the past, don’t worry about the future, and be mindful of doing things in the present. This is the best life.

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Friday, April 8, 2022

Do you feel happy spending money?

Not necessarily.

Some people feel distressed and anxious every time they spend money, because they think that they spend money again. People who do not feel stressed spending money are not as many as what we think.

Spending money is somehow shaping us inherently.


Every cent spent is defining our life

One of the popular marketing strategies is to entice us to treat ourselves better.

I chatted with my friend the other day, and she told me something very interesting, that she was sorting out her expenses over the past few years. She found that her expenditure was not as much as she imagined, and the place where she spent the money was very different from what she had expected.

At first, she felt that she had spent a lot of money on books and courses, but eventually found that the money spent on social networking was actually the most, and the money for books and courses only occupied a small part of the total expenditure.

This prompted her to start thinking: what kind of person she is and what encouraged her to make those decisions.

Indeed, the money we spend is inherently shaping us, allowing us to better understand who we are.

A person who loves to eat will study which store has delicious food every month, and the cost of food will be high and a person who loves freedom and scenery will spend more money on travel.

We may think that it is who I think I am, that is why I have a certain consumerism inclination. In fact, consumption is also affecting us in some way.

A person who always buys cheaper products due to discount availability, and a person who pays attention to product quality and beauty, will naturally have a different temperament.

There is no right or wrong but to state that the impact of consumption is indeed subtle.


The more you know how to spend money, the more you know who you are

Some people feel that they are always spending money, but is there really such a thing as “Wasting money”?

It can be said that this is more about how well a person understands oneself.

When I clearly know who I am, what kind of things I need, what kind of living environment I need, and what products to use, then the consumption decision is naturally very clear.

It is not because a person has insufficient self-control and spends money indiscriminately, but because he does not know what he wants, so he can only spend money blindly. Therefore, a person who knows how to spend money will naturally choose a product that suits him well, whether it is a simple shower gel, a piece of clothing, or even a house.

Of course, it's not that the more expensive the better, but the best for you at the moment.

Take for example, a piece of clothing. If it feels comfortable to wear and can highlight one's own personality, then it is suitable, regardless of the price. It can cheap or expensive.

At the same time, if the money is spent, and it does not make me more aware of what kind of person I am and what I need, then it is indeed a waste of money.


The philosophy of spending money is also the philosophy of making money

Rich people like to say “People who don't know how to spend money won't make money.”

This sentence makes sense for me. When you can't even spend money, naturally you have no motivation to make money, and you don't know how to make better use of money.

And spending money is like making money, the simpler the more powerful.

It has nothing to do with price or income, just about who I am.

Read also:

How to save money during grocery shopping

Friday, April 1, 2022

"Money" is the best gauge to judge a person

When you want to know a person, you can roughly tell what kind of person it is by looking at his attitude towards money.

People who have you in their mind will not care about the money spent on you.

People who don't have you in their minds will calculate everything. Not only do they not give you money, they also want to make some money from you. In the eyes of these people, money is more important than relationships!

And a person's attitude towards money reveals his character! Borrow money to see people's hearts, pay back to see character, make money to see humanity!

As the saying goes: See the true love in adversity, and if you want to know if the relationship between someone is good or bad, just borrow money to know.

I once had a colleague who was about to get married. He borrowed money from me when he was short of funds. At that time, my colleague said that he would return the money to me after the happy event.

But in the end the money was returned to me two years later and our relationship went sour.

When I haven’t lent him the money, I felt that this colleague was humble and had a good character, so I lent it to him. And after lending the money, I didn't chase him to return the money, only reminded twice.

I put myself in the shoes of my colleagues whom is still young without much savings and I only lent him my spare cash.

However, one day I heard about this colleague who borrowed money slandering me behind my back.

I was defamed and attacked by lending money to others, so I stopped doing it. I went to him to ask him for the money. He apologized and said that he would pay back the money as soon as possible.

Everyone may have helped others intentionally or unintentionally, or "thinking" that they have helped others, but not all people will appreciate you after helping, and some even become enemies because of their help.

Some people will not reciprocate while they receive assistance from others. We must know how to choose the ones who are nice to us and vice versa.

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Things I learnt from the past 10 years of work

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