The poor are poor, the rich are rich

Chapter 40 1 You don't care about money, money ignores you

Chapter 8 Don't Pin Your Hopes of Getting Rich on Others
Chapter 81 You don’t care about money, money doesn’t care about you

Many young people have just stepped out of college and started working. They have a fixed salary every month. Watching the numbers in their salary cards increase day by day, they can spend as much as they want.When consuming, they never feel that they are spending money, but always feel that they are spending a currency symbol.They don't seem to be very worried about the lack of money, thinking that after spending this month and earning next month, there will always be bread.

Until one day when they were short of cash and wanted to swipe their credit card, the salesperson told them: "The overdraft limit of this card is full." At this time, they panicked and wondered: "The monthly salary is also quite a lot. Where did it go?" Yes, where did all that money go?Why are you ignoring me?In fact, if you don’t manage your own money, you are not responsible for your money, you spend it when you have money, and who can blame you when you have no money?So if we want those money to come to us and keep it in our own pockets, we must first clarify a point: making money is important, but managing money is even more indispensable.He can only make money but not manage money, and he is still a "poor man" in the end.If you don't manage money, don't even think about letting money manage you!
Li Xiaowei is a white-collar worker working in Beijing, and his current monthly salary is 5000 yuan.Excluding the rental expenses, there is still less than 4000 left per month, but he still has to borrow money from friends at the end of each month.The reason turned out to be that Xiaowei would only work hard and earn money, thinking that he could become rich in this way, and never thought about how to manage money.I stayed up late at night to watch movies and surf the Internet. I couldn’t get up the next day and was afraid of being late and my bonus would be deducted, so I had to take a taxi to work.I don't like to eat in the company's canteen. I go out to eat fast food like KFC and Yonghe at noon, which is nearly ten yuan more expensive than the canteen on average.On the weekends, it is a great time to invite friends to have dinner, exercise, drink, and have fun.It's like this every month. He has never had the concept of managing money.It is precisely because of this that he has not had any savings after working for two years.Things like money seem to have a grudge against him, and they have never looked for him.

Ye Zi, who also lives in Beijing, can only earn 1500 yuan a month, but she rents a bungalow in the suburbs with others. After deducting the rent of 400 yuan, she still has a balance of 1100 yuan.But not only does she not need to borrow money from others to live, but she can still have 500 yuan left every month.It turned out that she had a very regular schedule, and she didn't go out to eat every day, but bought vegetables and cooked by herself.In order to save money on taking the subway, she usually gets up early to catch the bus every day, and stays at home on weekends to read books and watch TV.Although she also loves to buy clothes, she always goes to the clothing wholesale market to bargain with vendors.In this way, the monthly consumption is very small, and the balance is relatively large.After a long time, seeing the numbers on the passbook keep rising, Ye Zi felt very happy.

From the above story, we can see that although many people like Li Xiaowei earn a lot, they don’t know how to manage money and spend more, so the money is still far away from him.If you don’t pay attention to financial management or are not good at financial management, money will not care about you, and maybe you will live a life of poverty.And like Ye Zi, although she earns very little, she will still have a surplus if she counts carefully.But we can't say that Ye Zi is a financial expert, because we don't know where she will use the remaining money.It will have to wait for us to learn the following courses before we can judge whether Ye Zi is a master of financial management.

It seems that if you want money to take care of you, you must learn to manage money.You know, managing your money can improve your quality of life.

If we want to live a richer and better life, if we want wealth to come to us and follow us, and never leave us, we must learn to take the initiative to manage money.

(End of this chapter)