money and life

Chapter 8 Splurge can lead to disaster (2)
Congressman for Newark—the late Edward?Mr. Denison built a multifunctional church in the slums of the East End of London. The outer walls of this church are all made of iron sheets, which cost him a lot of hard work.The first floor of the church can be used for children to attend classes and play, and men can also chat and play games here, in short, they are not allowed to stay in restaurants and drink.Edward?Mr. Denison believes that the reason why the poor are poor is that their ideological education has not been cultivated and their living environment is too dirty.If material things are not met, who will consider spiritual needs.As a result, the poor live in poverty, filth and disease day after day, and no one guides them on the right path. Although the missionary pastor has done many good things for the poor people with his full spirit, he His good deeds only focus on material things, and he thinks about how to keep people fed and warm every day, without digging into their spiritual world, so his good deeds cannot achieve great results.Every winter we can see activities like this good deed... Even in the richest countries, there will be many unaccompanied refugees, how helpless they are in the face of hunger and cold, waiting for them It is always death.In previous societies, people also knew how to help each other, and far fewer people died in their winter than they do now.Now we have forgotten how to help others, or have become ruthless, allowing the wanton spread of poverty, as long as we have enough food and clothing.The responsibilities and obligations we should shoulder are discarded.

Many things would not have had the chance to happen if everyone had received a good education and learned how to be thrifty in their families.Mr. Denison also said: "Poverty and disease are caused by human beings. If people are steadfast, live every day carefully, and have a good plan for the future, then there will be no poor people in society, and there will be no Some people are struggling to make a living. There are inevitably some difficulties in life. As long as we face them calmly and think of a good solution, we will not worry about any burden, because I still have a job that can provide me with a salary. For example A porter on the wharf, he can save half of his weekly salary and save it for future use. If he is not married and is healthy and healthy, this is really a good idea. He doesn’t have to worry about his future life at all.”

Mr. Denison believes that thrift is not only something that women should do. Men should also be thrifty. No matter how much money you earn, you can save a lot of money.I hope that people can improve their awareness, and everyone can persist in thrift, so that there will be fewer poor people, and people will not have to worry about getting sick or losing their jobs. Otherwise, this is just a beautiful soap bubble. Good ideas, but no action.I don't know if I can see such a happy life in my lifetime. I think this is a huge project that can only show some results through the unremitting efforts of two generations.Law and education will guide people's way of life, as long as you study hard to correct, you can make yourself richer and healthier.

Mr Denison contrasts the lives of the inhabitants of Gursey with the working men of England, both of whom are poor, but whose poverty is markedly different.The salary of British workers is very high, and they often spend continuously after receiving their salary, and there is no last penny left.And the salaries of the residents of Gursey always arrive at them a little later.These residents live a simple life, no matter how poor they are, they rely on their own efforts instead of relying on others' charity.They only eat pork once a week, try to avoid bacon and fresh vegetables, and usually eat soup made of peas, cabbage and a little oil.Even if those rich people have a lot of grain and livestock, they still eat these simple foods, and then sell the saved meat products and other things in the market, and then invest the money they earn in land and stocks.There is no doubt that this is a way to make money around the land.

Unfortunately, Mr. Denison passed away before completing his research. He has not analyzed the root causes of poverty in depth, but we can know that Mr. Denison has always been disgusted with excessive consumption and believes that it is the cause of poverty. One of the reasons for this problem, but modern people are obsessed with it and have never realized this problem.The extravagant life has spread to the whole society, whether it is the working class or the upper class, they all live a life of insolence, especially the upper class, everyone only pays attention to their own appearance and power, and the wind of comparison is becoming more and more popular.

It cannot be denied that the British working people are very industrious, and people in other countries cannot compare with them.But it is inevitable that while they are hardworking, they also have bad habits of spending money like water, which prevents them from living in a happy and wealthy society, which is really counterproductive.Although their salaries are higher than those of professional technicians, they don’t know how to budget carefully, and they spend all the money as soon as they get it. They take high salaries for nothing, but live a poor life. Fortunately, the society is stable now. If in turbulent times, They will suffer a lot.

Therefore, we must develop good living habits and refuse extravagance, otherwise our salary will never satisfy our desires.Mr. Chadwick said in his speech: "When there was a shortage of cotton, many people lined up in front of the relief station and waited to distribute relief supplies. What they didn't expect was that these people who distributed supplies were considered poor by others. They are very rich."

When the difficulties and dangers have not yet come, people's vigilance is put away, everyone is busy singing and dancing, drinking and having fun, and their salaries are quickly spent. When difficulties suddenly appear in front of them, people are so panicked that they don't know how to deal .If it is even more unfortunate to be fired by the boss, I am afraid they can only pray to God to give them hope of continuing to live.

Wealth comes from accumulation
If a person is hardworking and frugal, then he will save some money, so that his life will be more comfortable.Even if you are well-off, you can't spend money casually. It is very important to develop the habit of saving.When we buy things, we may think that spending an extra penny is nothing, but if we spend an extra penny every time, we will lose a lot of money over time.

It is the accumulation of these pennies that brings happiness and warmth to the families of ordinary people.If a man never cares about these little moneys, and spends them on drinks or other miscellaneous things, he will never be happy all his life.Instead, cherish every penny and accumulate them.The money can be deposited in the bank, bought an insurance policy for oneself, donated to charity, or given to the wife to subsidize the family or send the children to school.These behaviors all pay off, and the rewards are clear.The more money you save, the happier your wife and children will be.Even if something urgent happens in the future, there is no need to ask grandpa and grandma to borrow money.

If a person loves labor and is very frugal, then he not only has material wealth but also spiritual wealth.He will use his wealth to help others and make others as happy as himself.This is something that an extremely ordinary person can do, such as a laborer who earns money by manual labor in a workshop.There is a man named Thomas in Manchester?Wright's man, and his actions prove it.He was originally an ordinary worker, but he helped countless poor prisoners.After they reformed, they lived a happy life.

Thomas?Wright learned by chance that the released prisoners had encountered some difficulties.Those prisoners were freed after rehabilitating, and they were able to support themselves, but no one was willing to give them the opportunity.

In order to help the prisoners released from prison and let them live a happy life, Wright started to work again.He finds time out of his busy schedule to help them, especially on weekends.

For more than 300 criminals, he traveled around whenever he had time.After ten years of hard work, he finally accomplished a great cause.When he set out to help the prisoners, people didn't support him, thinking his behavior was stupid.Because in people's eyes, prisoners will not completely correct their mistakes and live a new life.As long as there is temptation, they will go to the road of crime again.

A pastor and other well-wishers tried the same thing, but they all failed.

Since Thomas?After Wright completed this career with his perseverance and patience, people called him a noble and moral physician.Thomas?Wright has done too many good things, and he takes pleasure in helping others.Some children were cowardly and never dared to speak loudly. With his help, the children gradually regained their self-confidence and cheerful personality.There are also some children who are particularly rebellious, do not listen to their parents, and are addicted to the Internet. Wright also helps them find themselves and become obedient and sensible children.And those criminals, after they were released, Wright arranged for them to live and helped them find jobs.They have become hardworking and loyal workers, leading a solid and happy life.

Doing these things takes not only time, but also money and energy, and confidence in what you are doing.So Thomas?It is indeed not easy for Wright to persist for so many years.Among the many good deeds he has done, the greatest one is that he saved countless prisoners, and with his help, the prisoners got rid of poverty.

The source of income for him to do these things is his salary. In fact, his salary is not up to the annual average level of the society, which means that he himself is still living at the bottom of the society, but he uses these meager wages to help other people. Man, what a great thing.Although poor, he still arranged his home in good order.

He is very frugal, never spends money randomly, and is very cautious in everything he does.So he saved a sum of money to use when he was old.Thomas?Wright is a budget man.Buying clothes, rent, daily necessities, tuition fees, and helping the poor, he allocates these expenses very reasonably, and he will make a good plan for expenses, and allocate money according to the plan every time.For an ordinary worker with meager income and low status, it is really not easy.

From Thomas?We have seen a powerful force in Wright. With the support of this force, he has done many things that ordinary people cannot do.He has created great miracles with meager money.His sincerity and kindness infected everyone.

Frugality is the key to building wealth
As long as you manage your life with your heart, life will reward you with comfort and stability.Wealthy people also obtain those wealth through their own efforts, not because they are born with the conditions to become capitalists, they have worked hard to own enviable property and change their lives.

Modern people are not short of money. The reason why many people are crying about their poverty is because they have not properly planned their money and future.Don't think how hard it is to earn money. Compared with planning property, it is much easier.It cannot be said that if you earn more, you can become a rich man. The key lies in how to manage and plan your money.If there is still some money left after deducting daily expenses, this money is your savings.As long as you have savings, although it is not much, you can also be confident in your future life, without fear of possible suffering, and face the things you need to accomplish in a full mental state.

However, today's people lack self-control, and they will be deceived by desires and temptations once they appear, so it is difficult to save savings.We can see that successful entrepreneurs are all elected from the bottom businessmen. Whether a person has experience and skills is directly related to his future career. If you want to get experience and skills, you must have funds to support you to learn , while the source of funds depends entirely on its own saving ability.

Mr. Cobden was chatting with a fellow from Midhurst. He said: "I watched the textile factory in Nankai County with some colleagues the day before yesterday. I know the owner of this factory, but I don't want to say his name, but The next topic will also involve him. I think Mr. Smith will replace him. There are 700 looms running on electricity in the textile factory, and there are about 4 workers. When we finished reading and were about to leave, the fellow One person patted the factory owner on the shoulder and said in his unique casual tone: "You must never have imagined that Mr. Smith was just a worker 000 years ago. Today he can own such a large factory entirely by his own hard work and dedication." Saving.” Unexpectedly, Mr. Smith also said jokingly: “It’s not enough to be hardworking. The main reason is that my wife has a lot of savings, and I can run the whole factory with this money, but she was also a textile factory owner before. Ladies, nine shillings and sixpence a week.'”

"Time is money." This is a well-known saying, from the mouth of Franklin.So while we save time, we also save money.If you want to accomplish a big event, you must plan your time reasonably and when to do things. High efficiency is the key to your success.We can also spend time to learn some knowledge, or to study academic issues. In short, time needs to be planned and arranged correctly and reasonably.A rigorous plan allows you to make good use of every second in the process of doing things and achieve the desired effect as soon as possible.Businessmen need to carefully arrange their every itinerary, so as to grasp business opportunities and earn more.When women tidy up their homes, everything should be in its rightful place and easier to use.No matter the big or small things, there is always some time to complete them, and no matter what it is, if it is planned, it must be completed within the specified time.

I believe that everyone already understands the importance of saving, and also understands that saving cannot be achieved overnight, and requires our unremitting efforts.It can bring countless benefits, so that we will not be poor and poor and be laughed at.It's not hard to do, believe in your own abilities, if others can do it, so can you.It can teach us how to properly enjoy the pleasures in life, how to get the praise and respect of others, if you always live a profligate life, you will not feel these joys.

No matter who it is, they all have the ability to save money. If anyone says they don't have it, I really want to criticize him.At the beginning, you can only save a few shillings a week. For example, if you save 3 shillings a week, you will have 20 pounds for 240 years. If you save for 30 years, you can get 420 pounds with interest. What an easy thing.Don't doubt its authenticity, and don't doubt whether you can save 240 pounds. If you think 3 shillings are too much, you can save 2 shillings, 1 shilling or even 6 pence a week, and slowly add up to more , 6 pence a week, 20 pounds in 40 years, 30 pounds in 70 years, in short, this is a thing that takes a long time to see results, and we must persist.

Saving is actually a very simple subject. It does not require that students must have high IQ and high comprehension. As long as they have patience and control, everyone can learn it.Don't think it is so special, anyone with a little common sense can do it, unless your bones are full of extravagance and extravagance.And it has the added bonus of being ready to go and seeing results right away.When you develop the habit of saving, it has become your instinct, you will save involuntarily, and taste the sweetness of it.

Some people have a relatively low income and live a tight life. Every penny is just used in daily life. Maybe we think that a person like him will not have much money left. The fact is that he can still make regular deposits .This is the real thrifty person. This kind of person can strictly control every expenditure. Once the money saved is deposited in the bank, it will naturally accumulate more and more.There are also many different ways that people on modest incomes can save every penny smartly.Usually under the same or similar circumstances, if one person accomplishes a certain thing, then everyone can accomplish it.

(End of this chapter)