The epidemic in the past two years has taught ordinary people the biggest lesson: save money, and be sure to save money. In the first year of the epidemic, Wuhan was closed and the whole family stayed in Wuhan. During that time, I was not only worried and scared day and night, but also met with difficulties in my life.
If you can't go to work, you won't get paid. Like I work in a state-owned enterprise, not bad. I get a basic salary. But after deducting five insurances and one gold, there are only a few hundred dollars left. There is no need to describe the price at that time. A few hundred dollars, only enough food for a few days. In addition to eating, there are also mortgages and utilities.
The family spent nearly 40 thousand yuan in more than four months when they were unable to go to work. If you don't have any savings, that family really doesn't know how to live. Now the epidemic is repeated, and I don't know which day it will break out around me. If you don't have any savings, you don't have any ability to resist risks.
Especially for 2 1, many banks have shrunk their credit card policies, reduced their quotas, or lost their quotas. Many people who like to spend in advance are just a few credit cards robbing Peter to pay Paul.
Suddenly there is no quota, so many people can only look at the overdue and finally go to the credit.
The significance of saving money
1. Don't panic if you have food in your hand.
With money in the bank, you have the confidence to work. Even if you are suddenly dismissed by the company and lose your job income, you won't panic. You can get through it with savings, and then slowly and calmly look for a new job.
I don't know if similar things will happen in the future in an emergency like the epidemic. If you have a deposit, you don't have to worry about how to live after losing your income. Deposit is the greatest guarantee for your happiness and stability and against all risks.
Many a mickle makes a mickle, which is the only reliable way for ordinary people to get rich.
Many people don't understand the meaning of saving money, and always feel that money is not saved. /kloc-I graduated from school in 0/3 years, and when I first entered the bank, I was as poor as a church mouse. From the countryside, my parents don't care, and I don't have any relatives or friends to help me. Everything can only be done by our own efforts.
By the second half of 16, I had saved a dime and paid a down payment of 300,000 yuan to buy a house. By the second half of 18, we had saved enough money for decoration. By 19, the money in the provident fund was taken out and married. Then until now, I have kept the habit of saving money.
Save more when the salary is high and save less when the salary is low. Even if you save 500 yuan a month, it means a lot. Saving 500 yuan a month is 6000 yuan a year. Ten years, that's 60 thousand I have worked all my life, and when I retire, I will have at least 200,000 to 300,000 yuan in the bank.
With a pension and hundreds of thousands of bank deposits, you can definitely guarantee happiness in your later years. If you can save 1 0,000 yuan a month, that year is10.2 million. After ten years, there will be at least 6.5438+0.5 million interest. If you live in a small city, this money is enough for the down payment of buying a house. If you can save 3000 a month, it will be 36000 a year. Ten years, definitely more than 400 thousand.
After twenty years, the deposit can exceed one million. In China, the proportion of deposits of more than one million does not exceed 1%.
3. Money is earned and saved.
For us ordinary people, our ability to earn money is limited. If we want to have money, we must save money. Even if your income is relatively high, but moonlight clan, how much money you spend, then you still have no money. In case of any emergency or unexpected event, money is badly needed to save lives. Then you can only ask grandpa to tell grandma and ask someone to borrow money everywhere.
Saving money is very important, especially important. Ordinary people must save money.
Saving money does not necessarily make you rich, rich and expensive, luxurious and luxurious, nor does it necessarily make your villa luxurious. However, saving money can definitely guarantee your food and clothing.