After graduating from college for one year, what have you experienced from 20,000 deposits to 20,000 liabilities?
Then let's take stock of how I became poor bit by bit.
The first is life. It is said that you should not care too much about your life after graduation, but I seem to care more about living here. Dare to rent a house of 4000 yuan right after graduation. Although it is a shared rent, a person has to pay 2000 yuan, but it is far from the company and the property fee is high.
In fact, renting a house is also a trade-off. Renting a house near the company is generally more expensive. After all, there are many people competing for more rent. This picture is a relatively intuitive display of rental costs.
In big cities, renting a house is the biggest part of the expenses. Many fresh graduates spend half of their salary on renting houses.
Water, electricity, gas, catering network fees plus communication, these all cost.
Refer to the figure below. The daily expenses are almost 1700-2000. Here is still calculated according to the minimum diet 15, but in fact, the delivery fee is now 5 yuan. Although breakfast may cost less, it is almost the same as 50 yuan in a day.
And going out depends on the subway, not taking a taxi for 200 yuan a month.
This part is fixed expenditure. If you don't buy it at buy buy, you won't go out surfing, and the money you spend every month will be fixed. Calculated, the monthly fixed cost is close to 4000!
There is a saying that "choose the most expensive one within your ability", but when you actually do it, you will find that you have done your best under the limited ability. Otherwise, I chose the most expensive one here, and I can't even afford it there.
I haven't run for a long time, but I bought a pair of 1400 running shoes; At first, I wanted to cook on a whim. I bought a complete set of tableware and a pot, but I didn't cook it several times. In order to decorate the rented house, I bought a few pots of plants, but I neglected to take care of them and they all died; I got a fitness card and haven't been there since I moved far away. The annual card has become a disposable card.
I am eager to improve myself, and I am very touched to see the promotion copy of many courses. I feel that I need to improve in all aspects, so I bought one paid course after another, as if I had accumulated so many courses that I could acquire these abilities. As you can imagine, I have no time to learn to digest.
"Being as poor as death" and "earning by ourselves" are two psychological states when we face financial expenditure.
In this age of individuality, we don't like what we have in common with others. If you have to say anything in common, crying poor must count as one.
"It is poverty that limits my imagination."
"Don't call me for activities over five dollars!"
This is also a few words I often say, making no secret of my poverty.
However, while crying about poverty, buying in buy buy seems to put carpe diem above all values. "What do you want to buy, to buy! Where are you going? Let's go What do you want to learn, go and learn! "
Because electronic payment can't feel the loss of money, whether it's 900 kindle or 9000 dung fork, it's just a line of numbers on the screen of mobile phone.
When you spend money, you look free and easy. When it comes to spending money and credit card repayment date, you will want to cry.
At the beginning, I said that when I graduated from college, I still had 20 thousand deposits, even if it was only to invest in the money fund.
If the income per ten thousand copies is 1.4 yuan, then the daily income is (20000/10000)1.4 = 2.8 yuan, and there is 2.830=84 yuan in a month. This part is Qian Shengqian, don't worry.
As for me, I enjoyed it too early. Just graduated, rented a house with a good environment, bought a new mobile phone and a new computer, all of which are the latest apples. If I had been exposed to the knowledge of financial investment earlier, I would never have made such a decision.
Bodo Schaefer, the author of Qian Qian the Dog, wrote a story.
Once upon a time, there was a young farmer whose daily wish was to pick up a goose egg from a goose cage for breakfast. One day, he found a golden egg in the goose cage. So the farmer sold the golden eggs and held a grand celebration. This situation lasted for many days.
But the farmer is a greedy man, and he is very dissatisfied with his goose, because the goose can't explain to him how the golden eggs came, otherwise he can lay the golden eggs himself. Finally, the greedy farmer was furious and split the goose in half.
After that, he will never get the golden egg again.
I killed my own golden goose, just like this stupid farmer. Therefore, it is very important to know some financial management knowledge and make good use of financial thinking so as not to get yourself into financial crisis.
After talking about how to become poor, we still have to find a way. To get rich, we must first get rid of poverty. To get rid of poverty, we must first get rid of debt.
These suggestions are what I will strictly implement next. If you are troubled by consumer loans like me, you can also use these methods to get rid of debt step by step.
A credit card is to use today's credit to overdraw tomorrow's money. Just like ant flowers, they are all sugar-coated poisons.
You will have a rich illusion, and you won't know that you are at the end of your rope until the day of repayment.
Of course, there are also card gods who play credit cards, but only if they can restrain their desire for consumption, otherwise they will become card slaves.
Save fifty or forty percent of your income. Set a goal for yourself, and force yourself to save some money no matter how much you have to repay the loan every month.
If you spend all your money on repayment, when you need emergency expenses, it is easy for you to create a new loan without deposit.
It is understandable that young girls have a strong desire to buy buy Buy. Isn't it just for dinner that girlfriends get together and travel?
But before you go shopping, ask yourself, do you really have to buy it? Look at your balance, touch your wallet and calm down.
For example, when I see a dress and want to buy it, I will ask myself first: Do I really need it? How often do you buy it? How much does it cost to use it on average?
After calming down, I will convince myself that instead of buying one with low frequency and high single-use price, it is better to buy a money fund to raise geese and lay golden eggs! ?