"If I can earn 10,000 yuan a month, I will spend 3,000 yuan to expand my wardrobe, then take 2,000 yuan out to eat, go to Taobao to find foreign beauty products and various snacks, then set aside/kloc-0.000 yuan for a picnic in the suburbs at the weekend, and finally squeeze out 3,000 yuan to repay the mortgage, pay various utilities and add 300 yuan of oil ... If there is any left, I will save it."

"If I earn 5000 yuan a month, 1000 yuan is used to buy all kinds of equipment for the whole game, 1000 yuan is used to accompany my girlfriend to go shopping and empty her shopping cart, 1000 yuan is used to socialize with friends, and 1000 yuan is used to rent. If there is nothing left, then I usually eat instant noodles to save some flowers. "

I want to say, "Hehe, you are not beautiful, but you are beautiful when you think about it."

The premise of your material hypothesis is that you can hold 10 thousand or 5 thousand pieces of shiny silver in your hand every month, and your bank card will be credited on time every month. If you can satisfy the first two, then you have the capital to imagine the life you want and the material enjoyment you want.

But if you earn only 3,000 to 5,000 yuan a month, but fantasize about living a life of 10,000 yuan every day, and help Ma Yun spend the money he can't spend and win the lottery to travel around the world ... then this is called money paranoia, which is an epidemic in modern society and should be treated in time. Otherwise, you may be controlled by your own desires. Once your financial level can't control your desires, you will live in depression.

"Moonlight clan", "sunshine clan" and "savings clan" are popular hot words now, which accurately outline the characteristics of modern people controlling money. A person whose income can only maintain basic expenses. "Moonlight clan" is the slogan of "savers" who try to save some money: spend as much as you earn.

Most of the "moonlight clan" are young people, and their consumption concept follows the popular trend of society. Often, money is spent on a bunch of things that have no practical use when the mind is hot, and income can only maintain basic expenses. This kind of "clan" people don't have the concept of saving money from the previous generation, but in line with the concept of "having money today and using it tomorrow", their income is limited and their desires are infinite, so they can muddle along. "Moonlight clan" lingers painfully and happily between limited income and wireless material desires.

The "moonlight clan" has a longer and more detailed life than the "saver" in terms of money concept. Holding the extra line number in the passbook every month, there is always a sense of security. "Savers" may be closer to the values of a country with 5000 years of culture. Perhaps compared with the "daylight clan" and "moonlight clan", "savers" are more universal, and they establish the principle that "a little money on hand can lead a better life". They may be more reliable and pragmatic in the eyes of others.

If you are the first one mentioned above, you may pay more attention to material enjoyment in the first half of the month, and you will spend the second half of the month with a strong spirit of eating soil until the end of the month, and you will enjoy cycling. Or struggle to get rid of it and try to save money step by step. Or used to be a "moonlight family", but with strong self-control, they entered the savings army. I want to give a pertinent suggestion to the moonlight clan. If you are not satisfied with the present situation, there are three ways to improve your life.

First, improve your core competitiveness, find more business opportunities, put more money and time into your work, in exchange for more wealth balance and satisfy your consumption impulse.

Second, if you can't make money, then control your desires, reduce the frequency of going to shopping malls and Taobao, think more when shopping, and see if you really need it and spend less money.

Third, it is particularly important to strengthen money awareness and raise awareness of saving money. When you understand that having a monthly surplus can fundamentally improve your living standard, and having a deposit in your hand will make you more free and stable, and your life will be guaranteed, you may be interested in saving money. First of all, the change of consciousness can become qualitative change, and saving is equal to net profit. It may not be immediate, but at least it is on the way to a well-off life, which is much more practical than planning how to tear things while eating bread at the bedside.

Here is a suggestion for the "daylight family". Take a small step first, try to rush to the "moonlight clan" first, and then consider the problem of "undressing".

If you are the second kind mentioned above, congratulations, you have a reliable good habit. The education we received from childhood is one of the Chinese virtues, diligence and thrift, living within our means and saving money. Under this deep-rooted concept, we have to consider social problems that are closely related to everyone in real life, such as saving money for the elderly, which also makes a large number of people enter the misunderstanding of saving money.

Different times have different evaluation criteria. In the era of negative interest rate of inflation, saving sometimes means depreciation, and unconsciously saving money may be equal to not saving money. For depositors, it is also important to have a correct concept of financial management. Then, I also give three constructive suggestions to depositors.

First, "saving money to satisfy hunger" is conservative, and at the same time, you have to be reluctant to spend money. Earning money is to improve our living standards and our sense of happiness, not just to make a living. The practice of "miser" is discouraged. Kidnapping yourself with money also makes others feel embarrassed.

Second, don't save money blindly. Saving money blindly may make you "hungry for food" and you are likely to face the risk of overdraft. In contrast, saving money with a purpose will make you have a clear goal and plan rationally from small to large. Bookkeeping is one of the most effective methods, so that you can clearly know the expenses and bookkeeping. If handwriting is too troublesome, there are many convenient accounting software in the mobile APP now.

Third, appropriate and reasonable investment and financial management. Putting money in the bank is only the basic means to ensure that it will not be lost, but in the context of inflation, it will depreciate rather than preserve its value. When you understand that saving money for investment and financial management is the most effective means to ensure that wealth will not be lost or shrunk, you may make some changes.

If you can't make money, at least learn to save money. If you can make money, at least learn how to save money correctly. Money is not evil, don't treat it like dirt, don't love it like life. There is a saying in our ancestors that chicken soup, "A gentleman loves money and takes it wisely." I believe we can all live in peace with money, just sauce ~