Thirty years ago, my parents separated from my uncle and aunt, and my parents got 4000 yuan, and my uncle and aunt got a room. Since then, parents have started their struggle.
My parents took us to live in a temporary house, so their first wish was to save money to build a new house.
At that time, our village made a living by growing vegetables. In order to earn more money, parents will go to the market 60 miles away from home to sell vegetables and walk back and forth on a flatbed. They are often soaked to the skin. When they are hungry, they ask people for a steamed bread to eat and some water to drink.
My father smokes the cheapest, and my mother's standard is: eat enough and wear warm clothes. As for preferences, it doesn't matter. Finally, at 1995, my parents saved enough money to build a house.
My brother and I grew up not worrying about money. My grandparents are also relatively happy old people in our village. Even though there are still many rural elderly people who can't provide heating in winter, my grandfather used heating 25 years ago.
Renting a house: My parents have been working outside for 20 years and have never rented a room with a toilet. The house rented at the beginning was only 100 yuan/month.
Later, parents earned more than 65438+100000 a month. They rented a house in 300 yuan for a month, which is less than 10 square meter, and can accommodate two beds, a small table and simple tableware.
I once complained that my parents were too stingy. Why don't they rent a big house?
My mother said, "The poor save their lives bit by bit. If we save the flowers, you will have a better life in the future. " But at that time, I couldn't understand my parents' good intentions.
Clothes: I have to spit out a short-sleeved shirt of my father.
This shirt was originally worn by others as work clothes for my dad. I washed it at night and continued to wear it the next day. My dad wore this shirt 15, and it was not until an accident that my dad laid it off.
Twenty years ago, my parents were willing to spend 300 yuan to buy me down jackets, but they seldom bought new clothes themselves.
During the Spring Festival in our family, my brother and I buy new clothes every two years (the big size is just for next year), and my parents hardly buy new clothes for the Spring Festival.
My dad smokes a lot (he often stays up late at work), which is his biggest expense besides eating, but he usually chooses inferior cigarettes.
My mother has no extra expenses except the necessary living expenses.
The houses rented by my parents have no furniture, and even the refrigerator and washing machine were bought under my repeated urging.
My parents are not uncomfortable with this frugal life, but enjoy it.
On 20 10, parents bought a house for their younger brother in a second-tier city with a down payment of 300,000 yuan. Our family became the first among relatives and friends to buy a house outside.
Later, my younger brother started a business, and his parents gave him 300,000 yuan to help him, which also gave him more opportunities than his peers.
Finally, through unremitting efforts, my brother succeeded in starting a business, bought two new houses and cars by himself, and returned his parents' venture capital to them.
When I got married, my parents made up 200,000 yuan as a dowry for the bride price given by my husband's family. All the preparations for the wedding were made by my parents, so I tried not to leave any regrets for me.
If my parents hadn't saved too much money, my brother wouldn't have the first venture capital, and his road to entrepreneurship wouldn't be so smooth;
Without my parents' excessive savings, I may not have enough confidence in my husband's family
Parents bring all their savings back to their rural hometown to support the elderly. They are still frugal, but happy.
Our home is still the original old house, and even the sofas are sofas more than 20 years ago.
When my mother first came home, there was no refrigerator at home. She left the seafood sent by her relatives at her neighbor's house (which was later eaten by her neighbor). )
My brother bought a water heater, TV and air conditioner for my parents, and I bought a refrigerator for my parents.
What is worth mentioning is my parents' wardrobe or my mother's dowry when she got married. It seems that my parents are not going to change.
My dad's cigarettes have become middle-grade cigarettes, but he still doesn't like to buy clothes; Although my mother loves to buy clothes more than before, she is still very rational. As for what she eats, she is still poor.
My parents think they are very happy now.
Two people have a house, three meals and four seasons, good health, filial piety to parents, grandchildren, savings, no debt, and can live the rest of their lives in the way they like. This should be the life that many people want.
It is my parents' excessive savings that make my brother and I qualified to choose the people and jobs we like.
It is the parents' excessive saving that lightens the pressure on my brother and me, so that we can concentrate more on our small family.
For those of us who come from the countryside, this kind of life is already the best arrangement within our ability.
Actually, I belong to the kind of person who saves too much money. No matter how much I earn every month, whether it's 1 0,000 or 20,000, I only spend more than 2,000 on living expenses, and the rest are saved.
In the past, when the studio's income was high, it could earn 50 thousand to 60 thousand a month. At that time, the expenses were still less than 3000 yuan a month.
The rest of the money is deposited in the bank regularly. I've been married for fifteen or sixteen years, and I've always been like this.
If asked how we are doing now, I would say that we are doing well now. I have been unemployed for more than two years because of the closure of the epidemic studio. But all the money was saved because of the frugality in the previous 10 years. So although there is no income for two years, it has no impact on our current life and we can retire early.
People around us can't understand our way of life. Even my 70-year-old mother hates that we live too frugally.
I can wear a pair of thermal underwear for 10 years, and only change it when it is worn out. I spent 18 yuan on the Internet the other day and bought a new dress for several years 1 time.
Although I don't pay attention to dressing up, I still eat well. Fish, meat, shrimp, ribs, fruit, never stop.
My wife spends only a few hundred dollars a year on cosmetics, and she never goes to the barber shop. She always asks me to trim her hair.
Friends around us always think that we live too hard. In fact, if we get used to this lifestyle, we will never feel hard. On the contrary, because many times I don't spend money on face, I live more easily.
We have some friends in the same industry around us, whose income has always been the same as ours, but their daily expenses are more extravagant. When the income is good, they take money to travel abroad, buy good cars and buy luxury goods.
As a result, we are all retired now, and many of them are still worried about mortgages and looking for jobs everywhere.
I often hear many people say that money is used for spending, and people who only save money have little promise. In fact, if there is no opportunity to increase income, the money saved is also real money.
If you want to increase your income, you don't have to increase it. If you want to save money, you can save money.
When we were young, we really had a hard time, not as chic as others. We have never even been to a bar or eaten Haidilao.
However, it only takes more than ten years of hard work. More importantly, when we have the opportunity to make money, we can put more time and energy into our work instead of spending money to enjoy it.
Before the epidemic came a few years ago, we bought an RV after losing our jobs, and it was very comfortable to travel around.
I remember the most tiring and hard years. I often tell my wife that we are still young and need to work harder. One more month of hard work now will be enough for next year's living expenses.
Because I know very well that flowers are not always good, people will not always be smooth sailing, and we must seize the opportunity to make money.
Saving too much money is not a bad thing, but the premise is that it does not affect the normal quality of life. Our monthly living expenses will not exceed 3,000 yuan, but we will no longer spend money on face, and the quality of our daily life can still be guaranteed.
Our plan is to wait until the epidemic is completely over, and when the children go to college, we will buy another RV and travel all over the country to make up for the hard work we paid when we were young.
I have a friend who is frugal and likes to save money. He lives with his four-year-old son because of his wife's infidelity, and how frugal he is for his son to have a better life!
He takes an insulated lunch box in the canteen to cook porridge for free, so that he can take care of his three meals. He has a mobile phone that can be used for ten years. His clothes are like that all year round. He is reluctant to buy new clothes, even to buy more new clothes for his son. His son's clothes have never been worn together, but he is wearing his cousin's old clothes.
Whenever there are bottles and cans on the road, he will put them away and sell them as waste. He didn't sell meat all the year round, so he built a field outside the school and grew his own vegetables. When his son comes home at the weekend, he is willing to buy some meat. His son eats meat and he drinks some soup. He doesn't wash his hair with shampoo or shower gel. Just to save more money.
His son graduated from Nankai University last year and directly found a job in a joint venture in Tianjin. He told his parents that he wanted to buy a house in Tianjin. Not far from where he works, he has visited the house with a classmate, one of whom is very interesting. Without saying anything, my colleague directly took out 900,000 yuan to support my son to pay the down payment! This 900 thousand was saved by his years of thrift.
And the classmate who graduated with his son also works in this company and wants to buy a house here, because his parents have no savings at all and can't support him to buy a house, so they have to rent a house in the suburbs a little far from the company! The girlfriend I talked about in college also blew up!
His son said to him, thank you, dad! Without your support, I find it difficult for me to stay here for a long time! It will be difficult!
Being a father for so many years, trying to save more money and support the children at a critical moment will have a great impact on their employment and future!
There is such a person around me. I love saving money, and saving money feels a little abnormal. Commonly known as abnormal depositors.
People should save some money, not moonlight. But excessive deposits have gone to the other extreme.
The one I know is a colleague of mine. He loves money a little. The idea of saving money is in the bones.
Wash your hair and wash clothes at work.
Fill another bottle of water before you go home.
Never eat breakfast, just say two meals a day.
I have been to the city once, 60 kilometers, by bike. If the bus only needs 10 yuan. Just to save this 20 yuan.
Every day at noon, the company eats, and everyone wants to hold the wall. I said I can eat less when I go home at night, and I said I should save money.
Actually, I am speechless. Naturally, after a long time, I became ill. All the money saved was given to the doctor [covering his face]
A friend of mine has a car and a house, and her husband is the management of the factory, with a monthly salary of more than 10 thousand My friend also opened a children's shoe store, which earned a lot of money. This is a high-income family in a small county in our fifth-tier city. I know her, but I don't envy her at all, but I feel a little sorry for her!
Why do you say that about her? Because she is a saver, her husband's salary card is in her hand, and she only gives him a few hundred pieces of pocket money every month, and the rest is saved!
As for herself, she pushes herself to the limit and deposits a sum of money into the bank card regularly every month! Everyone knows how to save money when business is seasonal, good and bad.
But she can save money, because she is in charge of family expenses. When business is bad, the whole family doesn't talk about vegetarianism. She will also deduct her husband's pocket money, children's pocket money, and even children's money for clothes and study materials!
As for herself, deducting money is even worse. I went with her several times when I bought the goods (I sell clothes, so it's safer to ride together). She hardly eats anything in the morning and noon, because things there are expensive and she is really hungry, so she bought two steamed buns to eat. You know, after you finish the goods, you keep walking, and sometimes you have to carry things. People are particularly tired! It's incredible to think about it!
If nothing else, she can buy clothes and shoes for several years, and daily necessities are the cheapest.
Now that she has saved money for more than ten years, her conditions are already very good, not to mention having a car and a house, and she has bought many facades in the pedestrian street!
But also because of her excessive savings and poor health, she is always sick and takes Chinese medicine from time to time. People in their forties are 1.65 meters tall and weigh only 80 kilograms!
The relationship between husband and wife is also particularly tense. After several divorces, my husband feels that everything is missing now. He can enjoy life occasionally, save money for a long time, and make friends reluctant to spend a penny, even if he buys medicine, it is the cheapest! How can I enjoy life? The relationship between husband and wife is getting more and more tense.
What bothers friends even more is her son, who is in high school and seems to have spent a lot of money on it (at that time, the husband and wife quarreled for a long time about the money for his son to go to high school). He is particularly introverted, unwilling to talk to people, especially grumpy and very inferior!
So I think saving money is a good thing, but if you save too much, you may fall into the habit of saving too much, which will seriously affect your family life.
My sister's wife is an excessive saver. Before 13, they were among the best in the village. Before 13, a family was rich if it could spend 20,000 to 30,000 yuan, but it had at least 400,000 savings.
Twenty years ago, when my brother was young, they built the building early and became "rich people" in the eyes of other people in the village. Later, my sister and brother got married. The second year after marriage. My sister suggested buying a house in the city. At that time, the house price was very low, and a set could sell for 400 thousand. But my mother never agreed, so they had a big fight. Finally, my sister ended in failure. Later, my sister learned the reason why she didn't want to buy a house at that time: I was afraid that my sister would run away with the money at home. In case of divorce, I will give my sister half of the house.
Later, my brother proposed to do business and wanted to open a clothing store. Need 65438+ ten thousand yuan. However, they only have 1 10,000 yuan. So my brother and my mother discussed investing 65438+ 10,000 to him. But my mother never agreed. She thinks business is risky. What if she loses? She can't do business. Money should be saved, not spent
In desperation, my sister and brother can only go out to work, and the money they earn must be taken home and given to their mother for safekeeping.
How persistent can my mother be in saving money?
She has a small vegetable garden full of vegetables. She never goes out to buy food. Save all your money.
She said that she didn't like meat, so she never bought meat. When my brother buys meat, she always says, but she eats more than anyone else. When cooking and eating, I always pick up meat to eat.
In summer, children want to eat ice cream. She never buys it, so she cooks it for them with mung bean water.
Children always buy big clothes instead of small ones, and a coat should be worn for at least 5 years.
She saved all her savings.
So how much money have they saved?
13 years ago, my mother's brothers and sisters all bought houses in the city, but she didn't. Now a suite can buy at least 1 10,000. Only she was built by her family more than 20 years ago.
As there is no business, my sister and them have to go out to work. 10 years ago, their salary was very low and they didn't save any money. The salary has gone up in recent years, but it is more than 5000 a month, MINUS the expenses of two children. The salary of two people has to support four people, and the money saved is not much.
Because of too much frugality, the relationship between my sister and her is not good, and conflicts between mother-in-law and daughter-in-law often occur. I don't want to eat, I want to drink, and I don't want to give children food or drink. These two children are pitifully thin. To this end, my sister said many times that they often quarrel because of this problem.
I feel that it is not good to save too much money, which will form the habit of excessive thrift. Old people who are used to frugality may feel nothing. But the daughter-in-law has never suffered from that era, and they can't understand it. Over time, the contradiction between mother-in-law and daughter-in-law came into being.
Excessive frugality is not good for children. Children are reluctant to let them eat when they are growing up, which is not good for their health.
How do you feel?
According to my observation, most friends who have the habit of saving money are in this state:
Consume wisely, pay attention to cost performance when buying things, buy big items without borrowing money, or even pay them in one lump sum;
I work hard to make money, and I am not anxious when I am unemployed. I don't have to worry about living expenses during at least half a year's gap;
Clear financial planning, filial piety to parents' money, daily savings, money for buying a car and a house in the future, all arranged in order;
Life is calm, mentality is stable, and I will not panic when I encounter some economic problems.
In short, people who have the habit of saving money have a more stable life and stronger ability to resist risks than moonlight clan and debt party.
Some people may say: the house price is so high now, and the money saved after a hard year is not enough to buy a square meter house. There is no point in saving money. It is better to eat, drink and be merry in time to improve the quality of life.
To tell the truth, I was so confused before, until a friend of mine shared her experience of saving money to turn over a salted fish. I have changed and become fond of saving money. Not only the quality of life has improved, but also the happiness index has improved!
There is one in the village who played with me since childhood. His parents like saving money very much. Can be said to be reluctant to eat and wear. Their whole life is to save more money, build a house for their two sons and marry a wife!
In order to save money, they grew up and his brother wore other people's clothes. All the year round, except for the Chinese New Year guests, the whole family goes to the streets to buy some food, but they can't eat anything at ordinary times!
Some people say that we can plant a little in the field, but we have never planted vegetables in the field, because the land where vegetables are planted can grow more crops and sell more money!
When I was young, I was in the same class as junior high school. At that time, I had a vacation every two weeks. My living expenses are 30 yuan, and my living expenses are 25 yuan, eating in 24 yuan and learning tools 1 yuan! Many times, I watched my hair grow, watched others eat snacks and swallowed silently!
Later, I graduated from junior high school, went out to work and talked about a girlfriend. My parents built a house for them in advance! They got married smoothly!
However, not long after marriage, I was divorced when I was young. The reason is that my youngest wife thinks our family is too stingy to buy anything. She bought many things by herself, and her family criticized her as a landlord!
More importantly, the little wife can't adapt to the living habits of a small family. She should save everything, buy a dish, a cheap dress, the cheapest medicine and go out for dinner. This is impossible!
Finally divorced when I was young!
Similarly, my brother's marriage didn't last long, so he divorced!
Grown-up parents haven't figured out why both sons are divorced! Always complaining about my bad luck and misfortune!
As everyone knows, it is precisely because of parents' words and deeds that children have developed the same habits as them, saving food and saving money!
My aunt, obsessed with saving money, did save a lot of money, but it was cheaper for other women. All the money she saved through her teeth was used by other women to eat, drink and have fun. My aunt is the kind of person who saves too much money. In order to save money, she doesn't want to eat or drink for her children, or even buy milk and meat for them. She eats vegetables all the year round, and her son cries because he wants to eat ribs. She is not willing to buy them for his children to solve his hunger.
When my cousin was in high school, she went to a relative's house to pick out clothes that others had not worn, and the clothes she picked were not suitable for her age, which made her cry. My mother can't take it anymore. As soon as the season changes, she will take her cousin to the mall to buy from the inside out. My aunt's family conditions are very good, and my uncle can make money very much, but as long as the money is in her hand, she won't take out a penny. When my aunt was in her forties, she got sick and left. I got a minor illness at first and didn't want to spend money on treatment. After a few years, it will be serious. In the end, I still worry that it will cost money to see a doctor. As a result, not long after she left, my uncle brought back a woman. In fact, when my aunt was ill, my uncle had a woman outside. After my uncle married this woman, this woman played mahjong every day, had a beauty treatment and went out to travel, and was as happy as she wanted.
When my poor aunt was ill, she didn't even want to live in the hospital. In the end, all the money she worked so hard to save was eaten, drunk and merry by other women. It is really worthless! Personally, I think saving money is a good thing, but not too much. Don't lower the quality of life of yourself and your family to save money, especially if you don't treat your children badly.
A friend around me is a person who saves too much money. He is very frugal. He has been very frugal since he started working in the early 1990s. No matter how much his salary has increased, he plans to spend it every month anyway. He tries to save money and manage money. Now worth more than 1000 million, life is getting better and better.
This friend graduated from college in the early 1990s and worked hard to save money after graduation. At that time, his unit had a good benefit, with a monthly salary of several hundred yuan and sometimes a bonus of thousands of yuan. But his friend didn't spend much money, but saved all the money, about 1000 yuan in a year or two. Later, I began to invest in the stock market, and then I invested in the stock market after 2000.
After 2000, my friend moved to a new unit in a second-tier city, and his annual salary rose to around 200,000. However, his friend's consumption did not increase, and he kept a low consumption and continued to save money. Around 2005, this friend bought a house. Later, his salary rose to more than 300,000 to 400,000, but he still maintained a frugal habit. Later, around 2008, he bought a domestic car for 6.5438 million yuan, and then continued to save money. Later, he bought two houses with loans in 2009 and 2065.438+00 respectively.
Up to now, my friend's salary has been maintained at around 400 thousand a year, and the real estate mortgage has been basically paid off. I have changed a domestic car of about 200 thousand, and my friend has about 3 million deposits through saving money. Now the total assets have reached about120,000, of which the real estate value is about 9 million, basically realizing the life of wealth and freedom.
Now my friend is about 54 years old and has six years to retire. Total assets120,000, three houses, 3 million deposits, long-term investment in blue-chip stocks with high dividends, annual dividend of about 6%,180,000, plus annual salary of about 400,000. This life can be said to be quite good. However, friends are not extravagant and still keep the habit of saving frugally, spending no more than 65,438+10,000 yuan every year and investing no less than 400,000 yuan in the stock market every year. My friend expects that when he retires at the age of 60, he will have a market value of more than 5 million in the stock market, and the annual dividend income will not be less than 300,000. In this way, friends' lives may get better and better.
To sum up, people who save too much money will generally live quite well if they work hard and manage their money carefully. If the opportunity is right, they may realize the freedom of wealth earlier and may make their lives better and better.