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1. Spend money with courage

Spending money, no matter at any time, is always a happy thing, everyone will like it, And willing to do it. Not to mention the people who work in our company, or the people around you, all like the happy life of "buy, buy, buy". If you look carefully, those who spend money to treat friends to dinner, or those who bring wallets to pay for more, it seems that the more people spend, the richer they are. Those friends who are more reluctant to spend money are getting poorer and poorer, and many years later, they are still living a poor and unhappy life.

We have all been taught the concept since we were young: only by frugality can we save money. However, can "money" really be saved? Can the more frugal you are, the more "money" you can save? Looking back at this strange phenomenon, are these frugal concepts wrong?

Because the thinking mode of frugal people is always: buy things as cheaply as possible and save money There are other uses as well. I will buy it later when I have more money. I just stare at what is in front of me. I think about what will happen when I have money. I think about saving money through diligence and hard work. I live a tense and miserable life. Baba, discomfort, how to obtain spiritual pleasure. Moreover, life is always illogical. It’s not that you want to save enough money in the future and then “buy, buy, buy”. Maybe by that time, you will no longer be disdainful. Times have changed and things have changed beyond recognition. They are far from what they were before. Over time, you have been trapped in the whirlpool of "waiting for a bargain", and you may not even realize this.

In fact, most people in life are constantly frugal, saving all the money they can, spending less if they can, and depositing money in the bank if they can. It seems that every time they look at the cold numbers slowly growing in the notebook, they feel a little secretive. Deep down in their hearts, maybe they have never considered why "money" is accumulating like this? Still don’t dare to “buy, buy, buy”. The reason lies in personal courage, which is an important factor influencing the courage to spend money.

When you see something you like, first of all, you should think that owning that thing can bring me N benefits, and then buy it! I believe that spending money requires more courage and is also a kind of ability. It cannot be done by just "saving". The important thing about spending money is the value-added effect you can have after spending it. For example:

1. Spending on clothing that increases value for self-confidence. Buying clothes is not about having too many clothes, just being exquisite. A few pieces of well-designed and elegant clothes can make you confident and calm, because we live in groups in this world and the society is very realistic. No one will see through your sloppy appearance. To discover the beauty within you. Appropriate clothing shows respect for your friends, work and competitors.

2. Self-improvement starts with mentality. Those more expensive but convenient household items are also worth spending money on. This can save you a lot of time, free you from trivial housework troubles, organize your fragmented time, and free up more time to recharge, study, read, and improve your overall quality. Apply what you learn, accumulate skills over time, and strive for excellence. In the end, you will develop good active learning habits and prepare yourself for the next step to reach new heights.

3. I always feel that in this world, food is the only thing that cannot be disappointed. When it comes to food expenses, as long as they are delicious food or drinks that you have never eaten or drank before, don’t stop because they are expensive. Buy them decisively and taste them. Your taste buds will bring you amazing enjoyment and make your life feel like a joy. It's like cheating. Because our life is limited, and it should be very short. After a few decades, we will return to peace. Why not use a new way of opening up and live a meaningful life?

4. Regarding travel expenses. Why travel? Bi Shumin said: "During travel, our body and soul are out of sync and separated. And for an excellent trip, naturally the body and soul are highly coordinated and dependent on each other for life and death." Human knowledge can never be finished, and you can supplement it at any time and in any way as long as you are willing. My understanding of tourism is to cross thousands of rivers and mountains and see empty valleys and blooming flowers. Let us realize that in our lives, the suffering is insignificant and the beauty is precious. So you can't wait and save "money" for this. Maybe you have saved enough money, but you can't walk. As long as your health is still good and your eyes are bright, you can go on a trip as soon as you want.

Of course, we are not advocating unbridled spending. Spending money should be reasonable and well-founded, and you must be courageous and knowledgeable. You cannot be frugal just to "save" money, which will reduce the quality of life and thus lose your life. fun.

2. There is a pattern in making money

What about people who have wealth? They rarely deposit money in banks. Not only will they not do it, but they will find ways to borrow money from banks for capital turnover. So what is the actual role of the bank? The bank is a transfer station for "money". It collects the money of people who don't like to spend money and gives it to those who like to spend money and where they need to spend money. The bank then earns some interest difference. The fact is: if you don’t like spending money, let others spend your money for you.

What do the so-called rich people think? When facing something they like, they always think about: How can I buy it? How can I earn enough to buy it? Where is so much money?

One is "saving" and the other is "earning", two completely different ways of thinking! These two ways of thinking represent a huge gap between vision and wisdom, cognition and knowledge. In fact, there is almost no difference in IQ between everyone. In the final analysis, the big question is whether one's own pattern is enough. The pattern of life refers to the inner layout of a person's vision, mind, and other psychological factors. People with a big pattern are more forward-looking. , refresh your thinking quickly, stand tall, see far, dare to think, dare to work hard for your own ideas, and adjust your pace in a timely manner during the process. It’s easy to live the life that others aspire to—the kind of life with money and leisure. That is: achieving financial freedom. People who focus on "the present" cannot look at long-term planning and build a framework for their own wisdom. Due to short-sightedness and worries, most of them lack the courage to continue to innovate. They are stuck in their own ways and draw their own prisons. It is impossible to get a pot of gold just by "saving" money through hard work and frugality.

Zeng Guofan, a famous military strategist and statesman in modern China, had this famous saying when talking about how to make a big business: "Those who plan for great things should first focus on the pattern." The big pattern is a kind of wisdom, and great wisdom is like foolishness. Most people with a pattern have the urge to pursue wisdom because they have enough power to act. In what aspects can we broaden our horizons and enlarge the pattern?

1. The pattern must be high-level. Knowledge is the primary productive force in "making money". Continuous learning can effectively accumulate a variety of new knowledge, enhance cognitive height, and obtain more means of making money.

2. The pattern must be wide. Break out of the inherent way of thinking and change the way, maybe there will be a whole new world. Believe that "existence is reasonable", dare to take risks, seize the opportunity, and be the first to eat crabs.

3. You must work hard and don’t look for reasons. Sometimes, opportunities that suddenly appear will not be waiting for you. Since the chance of winning something is 50%, why not give it a try?

4. Risks and opportunities coexist, and big risks require greater wisdom to deal with.

To live a life that others aspire to, you must always remember: Don’t let your vision limit your life. Making money is for consumption, and consumption will stimulate your desire to make more money. There is also an art to spending money. As for how it should be spent? There is a good saying: As long as money is not wasted, everything spent is reasonable.

In fact, you have the right and reason to have different courage and structure. Being able to spend money and make money is just a matter of means. However, making our material life more comfortable is not the purpose of the whole life, nor is it Not the only one in life. There are many more meaningful things in life waiting for us to do. Pick up the paintbrush and add your favorite colors to your life.