If you save, what you get is not only money, but also the confidence to face risks

People say to each other: “Education, health, and housing are the three mountains that modern man always has to carry on his back.” But in fact, in addition to three mountains, there are three more beaches that can engulf me at any time, these are: the fragility of the wallet, the gloom of single life and the amount of hair increasingly sparse.

The horrifying thing was that the waves of these three shores lapped at me like an endless loop. Since I have no money, I have to work hard to earn money. If I worked hard to earn money, I wouldn’t have time to find a life partner. Having not made a lot of money, and without a lover, I would certainly start to worry. Once I was worried, the hairs falling out would tell me how desperate I was.

Sometimes, I think to myself, why my twenties are like this. It wasn’t until later, when I saw people with similar incomes lead very different lives, that I realized that: Income is not the only criterion that determines quality of life, it is savings that make your life look like.

Saving money is not only meant to give you more peace of mind in an eventful life, but it also gives you more options. In the past, the most feared thing when going out with friends was that you excitedly discussed with your partner what to go out and where, but the other side indifferently responded to you with a sentence. “I’m not free”. And now, the scariest thing is when you want to go out with friends and be invited by them, after discussing the plan, you quietly leave a sentence. “I don’t have money, let’s go” then retreat in their reproach.

Not only that, the money saved can make you more aware of your consumption. Many people do not appreciate saving, but in fact, it is not about spending some of their income and depositing it indiscriminately in the banks, but rather Plan and target spending, save on unnecessary expenses and keep them as a backup.

I have a friend, her monthly income is about 5000 yuan (about 17 million). She never thought about saving money. If you like to buy clothes, buy it, if you like to drink milk tea, order it. Although the value of the demand is not high, but because of uncontrolled spending, the result is that the monthly salary is only short, there is no surplus. One day, the dress she liked for a long time reduced to only 3000 yuan (about 10 million). There was no savings, not even a month’s worth of food, so she could only try to let herself forget that dress. At this point, she realized that she spends more than 700 yuan each month on 5 oversized shirts. If she wants to buy that dress, then for the next 4 months, she can’t buy another fashion item. In terms of quality and brand value, the dress she longed for was far from the pile of clothes she wore every day.

It can be realized that, if a person still cannot learn to save even though his income is not high, then his consumption will have to be very limited. So, if you want to have a high quality of life, in addition to improving your earning skills, you need to know where to spend your money. When you have a concept, a method of saving money that is suitable for your income, personal finance will improve in a positive direction.

Let’s redefine the necessity of saving money. Because what you save is not only money, but also the foundation for confidence, because at least saving can help you be more proactive when facing life’s risks.

According to Ms. Chang