Friday, May 13, 2022

Are your life half completed?

Life is only half completed for most people

When I was young, I was a very curious person, and I asked "why" every day?

This is of course a good thing, and it will get a lot of encouragement.

But as we grow older, "why", it becomes a disaster.

When we were young, our "why" might be:

Why does the sun rise from the east?

Why are the flowers colourful?

Why does Santa Claus have to come in through the chimney?

Why haven't the aliens invaded the earth yet?

But when I grow up, the "why" I asked has changed unknowingly:

Why am I so ordinary?

Why does he make so much money?

Why is there no hope of being promoted this year?

Why did this stock lose money again?

So I kept asking "why" and found countless answers.

A lot of answers, but meaningless.

Most people will stop here, exactly half.

Don’t worry about “why”, but think about what to do next.

In fact, there is still a second half to it!

After "why", there should be "what to do next"!

What to do next?

Imagine you have a card in your hand,

See the card in your hand; don’t bother to worry about "Why is this card"!

You have two choices now, just choose what to do!

One is to dare to pursue your dream, no matter you succeed or fail, you will have no regrets.

The second choice is to accept and embrace your true self, calmly face the boring life and find meaning from there.

If I am destined to be ordinary, I don’t have to be depressed, I don’t have to feel sorry for myself, I don’t have to be like a child all day long asking, "why", "why" and "why"...

Please find a way out of life and live for yourself as soon as possible.

Life is not about right or wrong.

Life is a real experience. You don't have to know all the answers, but you have to walk the road by yourself.

If you have asked too much "why", but are getting lost.

It's time to practise the "what to do".

This is to live the complete life.

Friday, May 6, 2022

I have seen many people discussing whether the money is earned or saved? Personally, I think that making money and saving money are indispensable, so that you can earn money and save money to accumulate wealth faster.

So today I will talk about money saving tips, so that everyone can save money more easily and faster.

1. Keep track on your expenses for a month to understand yourself first

Many people think that accounting is troublesome and cumbersome, and it is useless. It is just money spent, so they don't bother to keep it.

In fact, you may wish to consciously record a month first, so that you can find out your consumption situation and tackle it accurately.

Look at how much you need to spend in a month through accounting, which are necessary expenditures, and which are non-essential expenditures, find out these non-essential expenditures, and reduce on this type of consumption.

2. Make a good budget

After you understand your consumption situation, you can set your monthly budget so that it is not overspent.

For example, if you have a budget of 1k, then put the money in a convenient and flexible account. Every time you want to buy something, you pay from it.

Of course, the biggest advantage of doing this is that every time you spend money, you can clearly know how much money you have left to spend this month, and you won't spend it lavishly.

3. Spend less time on shopping app , supermarkets and shopping malls

When I have nothing to do, I will tend to use shopping apps. When I see something, I can’t help but want to buy it. So if you want to save money, the most important thing is to stay away from temptation. If you don’t see those things, you will have less desire to buy.

4. Don't buy things you don't need even there are discounts

In order to attract customers to spend more, some shops will set up activities such as discounts.

At this time, you have to be rational, and you can’t buy unnecessary things for the sake of discounts, otherwise you will not only not enjoy the discounts, but also spend more money.

5. Learn minimalism

In many cases, we feel that the more things we have, the stronger our sense of happiness. But in fact, think about the clothes in your cabinet, but you can't find the clothes you like. Every time you have to tidy up the clothes for a long time, is it very tired and annoying?

Let’s think about it. If you only have a few but fine clothes, you could just take out one that you like, and wear it, then your mood will be different immediately.

When you open my wardrobe, it will all be your beloved things. Isn’t it cool to think about it?

So you might as well learn to let go and let go of your obsession with things.

Before buying something, ask yourself three questions: "Do I really need this item?" "Does this item meet my spending power?" "Do I really like this item?"

6. Make a shopping list

Do you also have such a situation: strolling aimlessly at the supermarket, seeing this and wanting to buy, seeing that there is a discount, and buying it, after a round of shopping, the shopping cart is full, and the money is spent?

In fact, you might as well make a shopping list, follow the items on the shopping list to buy, go straight to the relevant product area as soon as you arrive at the supermarket, and leave as soon as you buy it, so as to reduce the shopping impulse to a certain extent.

7. On your payday, immediately store 10% of the salary

Save first, spend later, deposit money in a regular or fixed investment account, and stop thinking about spending money. This method of compulsory savings actually works well.

The above are some tips for saving money. Isn't it practical? If you think it is, you might as well act now.

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.

Friday, April 22, 2022

Should you lend people money or not?

01

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.

02

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.

Friday, April 15, 2022

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

01

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.

02

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.

03

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.

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.

01

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.

02

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.

03

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.

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.

Route to Financial Independence