Some time
ago, there was such a topic on the Internet: "What did you understand in
the past three pandemic years?"
Someone summed
up the following four points:
1. You have
to have a house, otherwise you won’t even have a place to stay during
quarantine;
2. You have
to have savings, and you can maintain your life for at least a period of time
if you are unemployed;
3. Lying at
home is not as comfortable as imagined, because you will be extremely anxious
because you have no income;
4. The more
the society develops, the more black swan events there will be. You must have
the ability to fight against such uncertainties.
In fact, the conclusion is: you have
to be rich.
Money can not
only bring dignity and decency, but also the confidence to walk in the world.
In the second
half of life, if you want to be self-sufficient in money, you must be ruthless
in making money, save money in spending, and be steady in saving money.
1. Work hard for money
A relative of
mine was an executive in a tech company a few years ago, and her life was
prosperous.
The good
times didn't last long, the industry declined, and the company where my
relatives worked was on the verge of bankruptcy.
After losing
her job, she couldn't find a job of the same position, and refused to lower
herself, so she simply stayed at home for a few months.
During this
period, a HR friend offered her an olive branch and asked her to work as an
assistant to the CEO of a company.
She hesitated
for several days, and finally refused.
When she
thought about how old she was, she still had to serve tea and water for others,
and be ordered by others, and she felt that her self-esteem couldn't stand it.
Not long
after, there was an emergency in her family and a large sum of money was
needed.
Looking back,
I wanted to go to that HR friend for help, but there was no position suitable
for her in his company. Life is like this. When you have money to make, you
can't save face. If you want to make money with your head down, you have no
chance.
"Self-esteem
is the skin, making money is to feed the belly, which one is more important to
you?"
2. Spend money sparingly
If you don't
know how to control your desire to consume, then no matter how much money you
earn, you can't keep up with the speed of spending it, and you will squander it
sooner or later.
When you are
young, you can be wilful to spend all the money you earn.
But when you
enter the middle age, you have to consider the burden on you.
There are old
people and young in your family, and there are mortgages and insurance premiums
to be paid.
Every penny
must be spent wisely, and it is even more important to habitually check the balance
when going out to spend.
3. Save money
A happy life
will not just fall from the sky. Only by learning to invest and save can we
have the capital to support the future.
As you get
older, the savings in your pocket are your reassurance and your booster.
There used to
be a breakfast shop near my house, which was owned by an old couple.
Except for
the Chinese New Year, I have never seen this stall rest.
Even when I
catches the earliest bus and goes downstairs at five o'clock in the morning,
the couple is already preparing for the day to start. Suddenly one day, the stall
closed.
I learned
from neighbors in the neighborhood that their daughter was admitted to a good
university and found a good job after graduation.
The couple
also decided to take a break and travel around the world.
I am very
curious: going out to travel around the world without doing business should
cost a lot of money, right?
Neighbours
said that the couple had been silently saving money for so many years.
Not only they
managed to help their daughter buy a house with the down payment, but also had
enough money in my pocket to live a happy life in their later years.
After middle
age, every sum of money you save is your happiness in your later years.
The more
balance you have in your card, the easier it will be to live in the future.
A simple and
practical "333 Little Rules for Saving Money" works:
Divide your
monthly salary into three equal parts: living expenses, savings, and
investment.
Save money in
this way, no matter what, you can save at least one-third of your income every
month.
Of course,
the ratio can be adjusted appropriately according to the actual situation, but
it is best to strictly implement it according to the plan every month.
Accumulate
over a long period of time, gather less to make more, and in the end it is also
a big gain.
You must
believe that every penny you save is an umbrella to protect you from wind and
rain in your later years, and will eventually give you the most fulfilling
sense of security.
We used to
think that talking about money was crude, but now we find that 99% of the
sorrows in the world are related to money.
No amount of
chicken soup can compare to the sense of security of a banknote.
Read Also:
The most important thing in life is to discover and know yourself
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