money and life

Chapter 9 Splurge can lead to disaster (3)
As for those high-income people, if they spend all their salary on living, or unmarried people spend all their money on themselves, this is really irresponsible for the future.There is another situation that is most infuriating. A person who had a high salary during his lifetime did not leave any property for his family after his death, and let his family live in distress and poverty. There is no doubt that he is a selfish person. people.Some well-meaning people may donate some money and food to the family, but this can only solve the temporary difficulties, and the future has to be done by oneself. In any case, after losing the family support, the fate of poverty cannot be changed.Thankfully, this kind of thing doesn't happen very often.

If he could save a little while he was alive, such a tragedy would not have happened.Drink less wine, less smoke one cigarette, and the money saved may help your family in later life. Isn’t this better than squandering it out and gaining temporary happiness?The diligence and thrift of the poor can give them the confidence to overcome disasters or diseases, because they always come very suddenly, and if they are not fully prepared, they will be knocked down at any time.

Everyone has the potential to become a rich man, although only a few people can actually become rich people, rich people just have more money than us to deal with possible difficulties in the future, but we cannot ignore the benefits of thrift.Diligence does not require us to seize every opportunity as good as completing a task, as long as we have absolute patience and persist in doing it.Splurge is as addictive as opium, and no matter how hard you work, you can't get out of the trap of squandering.

However, there are still many people who are willing to spend a lot of money on pleasure, letting their desires grow bigger and bigger.I have heard many examples of squandering and waste. In addition to these people who spend everything as soon as they get their salaries, there are also some people who use up their savings saved for more than ten years or decades in a short period of time. If there is a sudden difficulty or illness and unfortunately dies, the family and future generations will not get any property, how should they live?Some family members are even forced to sell their houses to bury the deceased and pay off the debts owed by the deceased, all of which are caused by extravagance.

Money is not omnipotent, but without money is absolutely impossible. More or less money can still reflect the value of things and certain abilities of people. Those who can make money must be self-reliant and self-reliant.

On the premise of supporting oneself, diligence and thrift can be said to be one of the most beautiful virtues of human beings.Pavel said: "Be kind to every penny, don't underestimate or overestimate it. Others can see your quality from it." Money is God's test for human beings. Passing this level proves that you have honesty, kindness, Prudence and other good qualities, if you fail, then it must be because you are too greedy, extravagant and short-sighted.

A man will never accomplish anything great if he spends every paycheck before he stops.This kind of person is always wandering between rich and poor, with one foot on rich land and the other on barren land.He would cringe in everything he did, and there were too many conditions restricting him.While harming one's own interests, it also harms the interests of others.It can be imagined that he must borrow money from those around him from time to time, and in this way, all the good qualities that remain in him will disappear.

As long as you take a small step, the change will be visible immediately, and the impression others will have of you will also change.You don't have to cry about your poverty anymore, and you don't have to be bound by time all the time. You can let go of your hands and fight hard, and face the world with confidence.When you enter old age, you will definitely appreciate the easy life that thrift brings you.

People are also exercising their thinking ability and management ability while living on a budget.Smart people will consider the difficulties they may have in the future when they are in a stable environment, and consider that others may turn to them for help, so they plan their money and time very reasonably.And those who have no restraint can't even take care of themselves, let alone help others.

sensible people know how to be thrifty
Thrift and honesty go hand in hand.Fathers should take more care of their wives and children. Every time they spend money, they should consider whether it is really necessary. The future of the family and children is in the hands of the father.It is too cruel to drink heavily during life and leave the family with only endless sorrow and poverty after death.But such a situation exists in every social class. People recognize this wrong way, but they can't restrain their profligate habit. They scold themselves while continuing to enjoy themselves, while imagining that they can earn Get a lot of money, and then continue to enjoy a luxurious life.

Anyone will desperately try to make money, even if they don’t know how to make money, they will try their best to learn how to make money from others, but they don’t know how to use the money after earning it back. Although you can also refer to other people’s practices in this regard, the most important thing is to Rely on your own beliefs.Often we are bewitched by temptation when we see its gorgeous exterior, so that we cannot see the sinister behind the beauty.We should exercise great perseverance to overcome this difficulty, or we should avoid it skillfully in the face of it.

Diligence and thrift can curb the prevalence of unhealthy trends in society, and the mood of people who complain because of poverty will also be greatly improved. After people's emotions change, the entire social environment will also change.We can use it to fight cravings, resist temptation, and hold on to our wallets.Never indulge, or you will get used to spending money lavishly in every way.At the same time, don't be fooled by the low-priced sale. If it is not suitable for you, no matter how cheap it is, it is a waste for you. Once this kind of waste is too many times, the amount of money lost can even be imagined by yourself. less than.

"Don't become a shopaholic, even if you have a million reasons to want to buy things. The benefits of saving are there, although you can't see them." This is what Cicero said.Many people are in shopping malls or markets, and when they see cheap products, they have an impulse to buy them. Everyone will think in their hearts: I can’t find such cheap prices anywhere, so buy more now and save them.But do you really need these things?Everyone continued to comfort themselves in their hearts: It is really not necessary now, but it will definitely be useful in the future, for sure.What a wrong idea.Others were influenced by the society when they went shopping crazily. For a period of time, it was popular to collect antique calligraphy and paintings, so people flocked to buy antique porcelain or celebrity calligraphy and paintings, which were low-end items to decorate their rooms and shops.Horace?Walpole said: "I don't want people to sell me these useless things, and my room and money won't allow me to buy them."

A person's heyday lies in youth and middle age. During this time he is full of energy and can get a lot of rewards for hard work. Therefore, he should plan his expenses reasonably, develop the habit of saving, and slowly save a sum of money for future use. Pension.If he lived a life of luxury in his youth and had no savings for the future, he must be poor in his old age. No one wants to see an old man who is alone and can only get a little bread from others every day. Live with food.As long as you see or think of this situation, the idea of ​​working hard, refueling and saving money will definitely be inspired.

Old age does not require much money, and old people always save more than young people.Therefore, the money saved in youth can just cover the daily expenses in old age, as long as there are no accidents.From the beginning of making money to the approaching of old age, there is such a long period of time that allows us to be thrifty and save a fortune after another.You can't take the things you paid for with you when you die, so why buy them?
But the thinking of young people is always different from ours. They are keen on new things, and they are willing to spend money in some places that seem unreasonable to us. They have a more fanatical pursuit of consumption than their elders.Compared with the expenses of the elders at the same age, young people today have exceeded the expenses of the elders, and even incurred huge debts early.In order to repay their debts, they do not hesitate to obtain money from heretics, not through labor, but fantasy to get money through opportunistic opportunism, and finally find that this method harms others and themselves, but they are deeply trapped in it, so they have to keep wandering in the circle of deception and being deceived. circle.

Learn from the planning methods of thrifty people and learn how they spend every penny in the most correct place.This is the advice given by Socrates, hoping that men who are the source of family expenses can learn to be thrifty.Let me tell a story here: There are two people who can earn 5 shillings a day respectively, and the living conditions of the two are similar, but one complains that this salary is not enough, so he pays 5 shillings every time. Another man said he could still save a little money if he controlled himself a bit, so he saved regularly and became a rich man at last.It can be seen from this that saving is easy to do in daily life, and it is actually a living habit.

Samuel?Johnson's early life was very poor. Once he and his friend Savage couldn't afford a hotel because they didn't have enough money.After becoming rich, he still dare not forget the embarrassment of being poor. He often advises his friends to save money, and even writes "the hunger striker" as his signature in his book.He believes that saving is the most direct route to a comfortable and rich life.Thrift is inseparable from self-control, intelligence, and freedom.

Samuel?Johnson said: "Poor people have no extra experience to take care of others. They are easily overwhelmed in the face of disasters and diseases. They are exhausted. But I want to tell them that no matter how hard the day is, they must persevere. , rely on your own efforts to change your living conditions, unless it is absolutely necessary, it is best not to be in debt. Once you become poor, there will be many restrictions on doing things, the good morals in your heart will be covered up by poverty, and the difficulties of others will be ignored. There is no way to reach out. So, we have to ensure our own lives before we can help others.”

A person who never saves is surprised to find that he has a considerable savings after a period of saving, and his mood and moral character have changed a lot during this period.He has regarded saving as a habit of life, and he can't help but save a little money every day, and he has had fun from it.

Being thrifty can bring us many benefits and respectful eyes from others.It can make our hearts pure and moral, and make us feel happy and free from worries; it can also improve self-control and make our minds more flexible and witty.

Don't jump to conclusions that you can't do it until you try it.Throughout history, lack of progress and laziness have often led to the destruction of countries or individuals.When you said "impossible", didn't you realize that it was actually a very ridiculous joke?If a person saves a glass of beer a day, he can save 45 shillings a year, and save 45 shillings every year, and he will have savings of 130 pounds in his old age.You can also deposit 45 shillings in the bank for 20 years, and it can be turned into 100 pounds. Does this figure scare you?Many people drink up to 6 glasses of beer every day, and he will spend £600 on beer in his life. If he drinks 9p liquor a day, he will spend £2 in his life.Do you now regret drinking every day?
There was a worker who listened to his boss's advice and stored some items in case of difficulties that might arise in the future.After a period of time, the boss asked the worker how the situation was, and the worker said: "I had stored a lot of things, but yesterday I drank a lot of wine, and it happened to be raining again, so I lost all my things!"

make thrift a part of life
Living on a budget can save you from worrying about money.You don’t need too many flashy things, as long as you have firm belief and perseverance, and mobilize your flexible mind and management skills, saving is actually a very common and easy thing to do. Tidy up your house and make your family life easier. It's ok to make a proper post.As for its extended meaning, it is clearly written in the "Bible": "Refit the things that are usually discarded and unused to make other necessities, and strive to achieve reasonable use." From this we can see that the scope of saving is very wide, not only in money In addition, in terms of the utilization of goods, even our prudence in dealing with things can be said to be saving, because we can avoid useless work and waste time and energy by acting carefully.At the same time, it can also resist desire and temptation, and devote more energy to planning for future life.What needs to be reminded is that don’t think that saving and being stingy have the same meaning. A stingy person loves money like his life and is reluctant to spend a cent. Saving is the money that should be spent, and the rest is saved to become wealth.People who are stingy regard money as their own flesh and feel very distressed, while people who are thrifty use money to accomplish what they want to do. In their hands, money is just an auxiliary tool to achieve their goals.Dean?Swift once said: "Don't be a slave to money." Saving can bring us good habits in life and affairs, and cultivate a cautious and self-controlled character, which is not only beneficial to individuals, but also to families and society.

Francis?Hao Na's father said to him when he was about to enter the society and struggle: "I hope you can develop a good habit of thrift, although I also hope that my son can have a happy life, but I don't want to see you indulging in The world of luxury and money. I have always taught you to be economical, which is the most important quality of a person. You'd better stay away from people who laugh at economical. Their words will make you wrong. If you want to have a great achievement, remember my love for you What you say." Burns wrote many poems advocating thrift, but his words and deeds were inconsistent, his nature was dissolute and extravagant, and he had almost no savings in his life.Before he died, he confessed to his friends: "My wife and 6 children, I can hardly imagine how they survived. Clark, I didn't leave them a penny. This is one of the things I regret most. Now Only God bless you!"

Live as much as you can. Don't try to compare and show off. You should live honestly.If you blindly envy other people's lives and imagine that you can be like him, you have to keep borrowing money to arm yourself for the sake of saving face.Every time you borrow a debt, you will fabricate a lie, and you will fabricate a lie when you are unable to repay the debt. Over time, you will live in a lie forever. In order to satisfy your desires, I am afraid that you will even commit crimes.When those who only care about their own fun, do not consider the situation of others, and do not plan for the future realize the importance of money after having fun, they find that there is no medicine for regret.Even if you have tens of millions of wealth at this time, it has been squandered by you. Unfortunately, the wasted money and time are gone forever, and your life is only an empty shell, meaningless.In addition, unrestrained use of money will also hinder your future plans. Considering that there is not much savings left, the implementation of the plan will appear to be timid, without drastic momentum, and even miss good opportunities.

Bacon said: Years of accumulation are more important than salary.Those bits and pieces of money that people spend indifferently can add up to a very large amount, and can even be used as a paving stone for a career.Those people who keep buying things never reflect on themselves, and always complain about the injustice of the world, but they don't know that the biggest reason lies in themselves.People who know how to save money, they have the extra ability to help others in difficulties, so that his friends will increase, and it is difficult for people who have no plan to succeed in anything.If you don't take yourself seriously, others won't take you seriously either.But don't be economical and become a cheapskate, such a person is even less willing to get along with.As the saying goes: "You can't expect a penny to turn into two pennies." When you save and rely on your own efforts, you will have more money.A man of integrity should be honest, self-controlled, and cheerful. In "Representative of Wakefield", Jenkinson said: "My savings are as pitiful as ever, and I was arrested by the police from time to time for deceiving my neighbors, but how did Flambola have money?" Good intentions are rewarded.

(End of this chapter)