Many people learn to be luxurious before they know how to get rich, so just swipe the card – find a way to raise the limit

Are there any girls around you who don’t use credit cards? The use of credit cards by young people now seems to have become a habit. Therefore, every time they buy clothes, bags, or something, whether expensive or cheap, they do not hesitate. Even for those with meager wages, they do not hesitate to consume. The feeling of having a hand when spending money is something everyone wants to experience, but spending too much money before the card’s expiration date really makes them feel pressured.

I used to know a girl, her salary is about 4000 – 5000 yuan (about 14 – 17 million) a month. She directly spent 1000 – 2000 yuan (about 3.7 – 7 million) on clothes, fashion accessories, and did not forget to buy an expensive branded item. The cosmetics she uses for skin care and makeup are from famous brands. Every time she looks at her credit card bill, she feels overwhelmed and can only sigh, but money is still used like water. Because they think: “As a woman, you have to give all the best to yourself.” This is true, it is fine, but it must be based on the condition that you can afford to pay.

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Among my friends, there is a girl like this, who comes from an ordinary background, is jealous of others, always thinks that “everything must be fun”, learns luxury before learning how to get rich. Before starting to earn a lot of money, they had great material desires. Gradually, the unstable income level of course could not meet their “heavenly” needs, and then the debt piled up. to the point of being unable to pay.

That is not a rare case in this society. Even many girls come from ordinary working class but when it comes to spending money, it’s not trivial. When I go shopping, I see a bag of 3000 yuan (about 10 million) and buy it right away without thinking. An old school friend of mine bought a limited edition shoe on installments, and it looked great on her feet. But she has to spend half of her living expenses to pay it in monthly installments. After that, I learned that many girls tried their best to raise their credit card limit higher, then continued to spend money at the beginning of the month, and at the end of the month, they were confused because they didn’t expect that they had swiped so much. . Therefore, girls must have a correct view of consumption and learn to control desires.

As another friend, the income during the internship is average, there is very little desire for material things. Phone and laptop are probably the two most expensive things she owns, she even cried for three days and three nights after deciding to buy them for future work. But I’m envious, because she’s one of the few girls I know who can manage themselves very well.

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Although she saves money, she rarely refurbishes her wardrobe, but she insists on taking monthly professional courses. Once when we talked to each other, I said that you looked very tired with your current job, but her answer overwhelmed me: “I’m tired, but I can buy what I want. Although tired, I still feel comfortable.” The girls who are really strong and excellent are the ones who know how to take care of themselves. They can control their desires, and they can make their knowledge and skills worthy of the material desires of the elite by improving themselves.

As of now, I don’t owe credit cards or spend money on useless things, and my life is so much better than before. I realized, I don’t want to be a king in “the emperor’s new clothes”, or don’t have to spend my salary for months, using this to make up for that to buy things I used to like at home. The time before that was the happiest thing. It is buying items that are necessary for life, or can improve your mood, stimulate the desire to earn money at an affordable price.

According to Ms. Chang