Too much debt, how to counterattack: saving money to change the status quo

"If you don't spend money, you won't make money. The more you spend, the more you earn." This is what a senior brother told me before.

However, is it really so?

According to statistics, the current post-90s have a per capita debt of 127,900, and nearly 60% of the post-90s have actual liabilities. The root cause of their debt is not mortgage and car loans, but excessive consumption. They have a monthly salary of less than 5,000 and live a life of 20,000 a month.

What were they thinking? Why is there such a mentality of over-consumption?

Too much debt, how to counterattack: saving money to change the status quo

A strong desire to spend ahead of time

Some time ago, "Wonderful Flowers" had an issue about exquisite poverty. Is it wrong? Guest Yang Chaoyue said that she bought a dress of 700 when her salary was 800, and spent the rest of the day there like a year, living frugally.

This phenomenon is particularly common among young people nowadays. Their desire to consume is strong, and the convenience and speed of loans on platforms such as Alipay have further boosted their desire.

However, these desires, apart from refreshing yourself when placing an order, what good can a piece of clothing, a brand-name bag, make you feel good about? Is it really worth the exchange of health?

They may also know that eating "bran" for a month is not good for health, but they can't restrain their inner desire to "buy, buy, buy".

Too much debt, how to counterattack: saving money to change the status quo

What is life like for someone who saves money?

Let's take a look again, what will life be like for people who save money practically?

When his college roommate was studying, he actively worked part-time and won a lot of scholarships. The money he saved was not in a hurry to spend, but went to participate in a technical training, and later used the money to learn English. In the year of graduation, when everyone was worried about finding a job, he had already received offers from several large companies.

There is a former colleague who was laid off by the company some time ago because he has saved a lot of money in the past few years. In the face of this sudden change, he said that he was not panicked. He could take the money and slowly find a new company or train a new skill.

Too much debt, how to counterattack: saving money to change the status quo

3 traits of people who save money

Don't panic when you have money, you can do more things you can do.

What kind of person can really save money? What qualities do they possess?

I think they should all have the following 3 excellent qualities.

First, strong self-discipline.

One manifestation of self-discipline is delayed gratification.

"When I see dessert, I always want to take a bite."

"Even if you're full, you still want to eat. It's just a waste of money. I think it's a waste if you eat it."

"It's the king's way to live well in front of you, why save money?"

"Buy it if you like it, think too much, life is too tiring."

This is not self-discipline and does not achieve delayed gratification.

People who can save money, they will not buy directly when they see what they like, and they will think twice. They will also consider that it is important to live well in the present, but it is equally important to have a good life in the future.

There is a particularly famous experiment at Stanford University. The child who endured no sugar for 20 minutes ended up getting more than double the amount of candy. In the future, under the compound interest of time, they may get more.

Second, know how to choose.

What should be obtained and what should not be obtained, you need to know how to choose.

As Yang Chaoyue said, 800 salary to buy a 700 skirt, in my opinion, is not worth it, this desire should be discarded. Use the money you save to do more things that improve you, like buying a course online. Or save some more money and go on a trip abroad.

Saving money doesn't make you a miser, it just means knowing not to spend money where it shouldn't.

Third, have goals and plans.

Once you have a goal, act firmly with the goal in mind. It's like if you look at a tree and walk away, if you don't look elsewhere, you will definitely walk straight to the tree, but if you're not staring at the tree, then you may go astray.

In the era of abundant material, no matter where you go or see, there will be temptations, and you will fall into the trap set by the merchants if you are not careful.

And only if the goal is firm, can it be unmoved.

Of course, you can save money naturally.

Too much debt, how to counterattack: saving money to change the status quo

You can also realize your life dreams by saving money

The question is, can saving money change the status quo?

The answer is yes.

But it's not that you start saving money, you can change your life. But in the process of saving money, you slowly feel the effect of saving money.

For example, you find that the more money you have, the more motivated you are. Just like some people do self-media in Toutiao, watching the reading volume increase every day, they don’t know how happy they are in their hearts, and they are full of more desire for the next creation.

Also, in the past when you saved money, your goals are also in the process of being realized step by step. When your goals are achieved, you will naturally feel happy, which will also strengthen you to save more money.

In fact, another important reason for saving money is that it can bring you a sense of security.

At the beginning of 2020, many people were unemployed, helpless, and risking their lives to go out to work, all because they did not save more money.

Many people dream of getting their first pot of gold through entrepreneurship, etc. In fact, the real first pot of gold may come from your continuous saving.

Your wealth, the future is your opportunity.