Once you lose your job, you realize how important it is to save money! Teach you 3 tips to save money and resist the risk of unemployment!
My friend cried to me because she lost her job because of the epidemic. In the first few weeks of the epidemic, the company notified her that she would be delayed for a month to resume work. Later, the personnel directly told her in private that the company was going to close down soon and asked him to find him. other work. This pair has never been conscious of saving money, she of the Moonlight Clan is like a bolt from the blue!
This time, because of the epidemic, many people were laid off. What is even more sad is that people who have no sense of saving money but have to pay for housing loans, car loans, and Huabei. Once you lose your job, you realize how important it is to save money!
- All the confidence comes from deposits
(1) If you have savings, you will not be too depressed if you are unemployed
I have a friend who started to use his spare time when he was in college to do part-time jobs outside. He had the awareness of making money and saving money early on. Two years after graduating from college, he started a family with his boyfriend who had been in love with him for four years. During the period, the work efficiency was not good. In order to save costs and implement a layoff plan, she was also on the list.
After losing her job, she became a full-time wife at home. Because she has savings, she still lives very calmly every day.
I asked her what her plans were, and she said, "I'm glad that I have a sense of saving money since college. I plan to spend more time at home with my family, and then learn some skills. In the future, I plan to start my own business and open a small shop."
Because my friends have saved money, they have passed the epidemic period safely, but most of them do not have the awareness of saving money. Some of them are old and young, and they still have mortgage loans. Unemployment at this time is undoubtedly not a low point.
Having your own small vault for storage is a thing that gives you a sense of security.
(2) If you have savings and your family is sick, you will not blame yourself too much
My former colleague Xiao Liu, some time ago, called me and said that his father had a kidney stone, and now he is receiving treatment in the hospital, and he still needs 8,000 yuan for medical expenses. Use it.
I said to him at the time: "Now the company has not paid wages for two months, there may not be so much, I only have 4,000 here, you go to the emergency first."
Xiao Liu was moved to tears when he heard it: "I called and borrowed a lot, but few people lend me money. Thank you for lending me the money. I will return the money to you as soon as I have it."
I hung up the phone, and I called my friend. On the same day, I turned off Huabei and unbound my credit card from the payment software. From that moment on, I decided not to live a life of pre-consumption. way, I want to save money.
I know that in the future, parents will need us more and more, and the burden on us will be heavier and heavier. Saving an emergency fund is the most important thing for every adult to do.
(3) If you have a deposit, you can go as far as you can, and there is a way out
My best friend Xiaowen has always been the most dashing and enviable of all our friends.
Because of her excellent ability at work, she was excluded from her immediate leadership, and her work was very unsatisfactory, so she decided to resign and use the money she had saved from her years of work to start her own business. Looking at other people's faces, they are full of energy every day.
People must have savings, even if the work is not smooth, you can just leave! A woman also needs to have savings. Even if her marriage comes to an end, the way she turns around and shakes her head is super cool, and her recovery speed is super fast.
Once a person has capital, he has self-confidence. Which self-confident person is not good for life?
Deposits give you the confidence to choose your life again!
- Regardless of whether there is an epidemic or not, we must develop the habit of depositing
(1) Don't be a moonlight family, control consumption and reduce debt
Don't be a moonlight clan, control some impulse spending.
Friends who like shopping, you can go shopping online first, add the things you like to the shopping cart, and then let yourself calm down for a few days, if you still like it and need to buy again.
Of course, under normal circumstances, your favorability for the items in the shopping cart will decline, or even abandon the purchase. If you are going to shop offline, it is best to write a list in advance, only buy the items on the list, and give up all temporary products.
Debt less and don't buy items that bring in a lot of debt. Too much debt can make you run for money without making it work for you.
After quitting the Moonlight Clan, I have comprehensively sorted out my financial situation.
One is to realize the importance of streamlining consumption and saving money to get rich, and the other is to sort out your financial situation and be aware of it.
(2) Set a saving goal and develop the habit of saving
Without a goal, there is no motivation. When you truly have a goal to work towards, you will stick to it unconsciously.
Of course, the goal of saving money is not to be as big as possible, but to meet your actual situation. It is best to achieve it with a little effort, otherwise you will feel frustrated if you cannot achieve it.
This goal can be a trip or buying a new mobile phone, or it can be to make early plans to buy a house or a car.
For example: Alipay has a function called "Wish Savings" in the background. You can set your own wish and number of periods. At a fixed time every month, Alipay will automatically deduct this fee from your account until the deadline you set for your wish is fulfilled, and the background will return it in time. This method is suitable for those with poor self-control. Professional.
Get into the habit of saving money early:
Put 15%-20% of your monthly income into a separate account, and use the remaining 80% to pay for other expenses.
You'll be surprised to learn that living on 80% of your income doesn't really make any difference compared to living on 100%.
(3) Reward yourself for completing goals
In the book "Puppy Money", the author suggests that when you accumulate wealth with a purpose, and save money with a happy state of mind, it can make you more motivated to save money, and may even shorten your life expectancy. Save time.
Making money is a skill, and saving money is also a skill. Saving money is actually not as difficult as you think, the key depends on your determination and persistence.
Every time you complete the goal of saving money, you can give yourself a small spiritual or material reward to keep you going.
For example, I usually set myself a goal of saving a certain amount of money every month. If I reach this goal by the end of the month, I will reward myself. I can eat a big meal or buy a dress that I like for a long time.
When you have a happy meaning of saving money, you can experience the fun of "money makes money" in Puppy Money!
Third, write at the end
Regardless of whether there is this epidemic or not, saving money is the most important thing an adult should do. Only by saving money will you have the right to choose.
Save a small bank for yourself, preferably enough to support your living expenses for 6 months. Even if your income is low, you can save 10% of your income.
Young people, you must save money as soon as possible. This will not reduce the quality of life much, but it can also add more hope to the future and make yourself more comfortable in the face of storms.