Lu Yao wrote in the ordinary World:

money is a good thing, it can make people no longer flustered and make people feel confident.

when we were young, we thought talking about money was tacky.

when you reach middle age, you will find that money is not everything, but without money is absolutely impossible.

buy a house, buy a car, communicate with others, raise children, support parents, daily life. Which doesn't cost money?

No matter how much you earn, you must get into the habit of saving money. Life is really different between saving and not saving.

Liang Wendao once said:

the advantage of young people is that every young man believes that he can fly. On the other hand, when the middle-aged man is flapping his wings, there are still heavy weights hanging on both sides of his wings.

I have a friend who is a sculpture designer with a high income. He often travels everywhere and lives freely and freely, which is the envy of others.

but after 20 years of work, I have almost no savings.

his friends once reminded him that he still had some peace of mind in his savings, and that in case something happened, there would be an emergency.

but he disagreed, and in turn advised his friends:

"Life is short. Money in the bank is a piece of paper. Only when you spend it is your own."

until last year, when his father was seriously ill, the doctor said to him, "prepare 200000 for surgery."

faced with this not a huge amount of medical expenses, he fell into unprecedented anxiety and panic.

"the cost of hospitalization alone is more than 2,000 a day."

at that time, it was just in time for the children to start school, and the tuition fees and living expenses were not a small expense.

when he was desperate, he had to brazenly borrow money from his relatives and friends.

but he suffered a lot, but he didn't borrow much money.

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you never know when life will hit you in the head.

for people who have no savings, the fault tolerance rate is too low, and if there is any mistake, their life will be out of order.

especially the middle-aged people who have no savings, who are old and young, do not plan in advance, and will only be at a loss in the event of a crisis.

if my parents are sick, what should I do for treatment?

suddenly lost his job, who will pay off the house loan and car loan?

how to provide a better education for a child when he is in school?

the biggest advantage of saving money is the high fault tolerance rate in life, and no matter what happens, you still have a chance to deal with it.

if someone in your family gets sick, you won't lose your mind and feel like your life is falling apart.

but believe that it will be cured, and it will comfort the sick: "money is not a problem, don't worry."

the money saved is like a piece of hard armor that gives you the strength to fight against life.

the elderly are in good health in their old age, young children are admitted to school, and families are not short of firewood, rice, oil, salt, grains and miscellaneous grains.

I quite agree with one sentence:

80% of the difficulties in life can be solved with money, and the remaining 20% can also be alleviated by money.

when people reach middle age, the biggest sense of security is not the network between pushing cups and changing cups, but the considerable number in the bank card.

saving money is not only the strength of life, but also gives people more choices.

A Xiu, a writer, said that he made two job changes because he had savings and strong strength.

the first change was to encounter a better job opportunity.

but at that time, because I took the unit's Beijing settlement target, if I wanted to leave, I needed to pay 200000 of the turnover cost.

many colleagues and friends feel incredible. How can a child from an ordinary family like him be able to pay 200000 in liquidated damages at once?

and their unit's salary was very low at that time, with a monthly salary of only 4900 yuan.

but he didn't take more than a week from confirming the idea of leaving to calling the unit treasurer at 200000 and going through all the formalities.

later, he ushered in a second turning point in his career by saving money.

when he had more than 300000 in savings, he decided to start a business.

the reason why he has this strength is that even if he has no income at all, 30W savings will be enough for him to live in Beijing for a year.

after starting his business, he and his team actively tried a lot of business. The team became bigger and bigger, and their income increased several times.

saving money is an attitude that actively fights with life.

in a sense, the money you save is your resources, and resources are your ability to break the game in middle age.

when you start saving money, you will find that your thinking and experience will also change.

when you save your first bucket of gold, you will be able to make it work and continue to help you make money.

the more wealth you have, the less midlife crisis you have and the more leisurely you live.

A few days ago, a Nanjing girl who "pulled out two apartments nine years after graduation" became popular.

she buys clothes no more than 100 yuan a year and saves 90% of her monthly income.

is only 32 years old and has saved two houses in Nanjing.

Oscar Wilde once said:

when I was young, I thought money was the most important thing in the world. I didn't know until I was old.

the world is full of risks and changes.So, tomorrow or accident, you never know which comes first.

saving money is one's foresight.

people who can save money know the truth of "if you have food in your hand, don't panic in your heart".

they know that they have a deposit, that is, they have saved themselves a dignity, confidence, and the freedom to say "no" at any time.

they know to plan ahead and improve their ability to resist risks.

saving is a sign of a high degree of self-discipline.

savers have great self-control and endurance, and they can delay their satisfaction and restrain their desires.

like Stanford's famous experiment on "delayed gratification".

it's not that kids who don't eat candy don't want to eat, but they know that after 20 minutes, they can take one more than others.

"Roundtable School" has a program that talks about "the concept of money".

guest Ding Xueliang mentioned one of his Jewish friends and said:

people always think that we Jews love money.

but then a sentence from my father made me thoroughly understand: why do we love money for generations?

because in the event of persecution, it is money that can buy the lives of a family.

Jews understand that saving money means being responsible for the future and ensuring the survival of themselves and their families.

people who save money, more important than money, are good habits for their own people's survival.

there is a saying: "if you repeat any ordinary and boring thing over and over again, the result must be extraordinary."

the same goes for saving money.

three simple and practical rules for saving money are given to you:

91 rule

put ten coins in your wallet, but you can only use nine at most.

this is the "ninety-one rule": make sure that at least 10% of your monthly income is saved.

for example, 5000 yuan per month, then 500 yuan should be saved.

according to the Law of 91, if one wants to achieve wealth freedom, one must be forced to save.

No matter when and where, never make an exception.

three, six, five rule

the so-called "365 savings rule" is to choose one of the 1-365 numbers to save money every day, and the numbers cannot be repeated.

how much money can you save after a year?

66795 yuan.

you can draw a grid of 365, fill in the number of 1to 365, and draw a cross on the corresponding number for each sum of money you save.

save more when you have more money, save less when you have less, and keep saving every day.

Weekly cumulative savings

52 weeks a year, save 10 yuan, 20 yuan, 30 yuan every week. Deposit 520 yuan until the 52nd week.

in this way, even if the initial amount is only 10 yuan, by the end of the year, the total amount will reach 13780 yuan.

you can also reverse the order of deposits.

for example, deposit 520 in the first week and 510 in the second week. Deposit 10 yuan in the 52nd week.

if you save more at the beginning, the less the pressure will be, the easier it will be to stick to it.

only save, add up, and then do proper accounting to make money grow.

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finally, share a story.

it is said that Gu Kaizhi, a great painter in the Eastern Jin Dynasty, eats sugarcane differently from ordinary people. Most people start from the sweetest sugarcane roots, while he starts from the lightest sugarcane tips.

someone asked him why he had to eat the lightest end first.

Gu Kaizhi replied in only four words: getting better.

it's the same with saving money, it's okay to suffer a little bit in the early stage, the important thing is to get better gradually.

because life is a chain, interlinked.

your life now depends on what you chose ten years ago.

what you choose now will determine your life ten years from now.

, try to save money from now on, and you will thank yourself for who you are in the future.