When my monthly salary exceeded 30 thousand, I began to overestimate my consumption level, thinking that I could live a life of only afternoon and coffee like a poet.
Keep a cat, a dog and travel with the woman you love.
In less than two months, half a year's savings have nothing.
So I began to panic. I had to sign a contract with several party a, and I worked endlessly after work, working overtime, staying up late and rushing to make a manuscript. I don't know what color and shape the sun is in winter.
With a monthly salary of 50 thousand, you still live like a beggar and a dog!
Beijing white-collar workers will have a profound experience:
The same is the monthly salary of 50,000 yuan, a house in Beijing, a commercial loan of 1.9 million yuan, and a monthly repayment of 1.0 million yuan, which is still 30 years;
The house in Shenyang, with a loan of 400,000 yuan, needs to pay back 3,500 yuan every month for 20 years;
One BMW, 1.9 million, 5000 per month.
On the surface, she is a middle class with unlimited scenery. She has a house in Beijing and drives a BMW to work, but behind it, she is too hard to support herself.
In order to buy a hamburger, queue up at McDonald's for an hour;
Scold the toll collector on the roadside for half a day, just to pay less than two yuan for parking;
Don't go shopping before ten o'clock, just to buy 7.8% off ribs.
"Can you understand that when I open my eyes every day, I think that I still have millions of loans on my back, and I feel that I don't earn 50,000 yuan every month, and I am not reliable?"
2
One day, a friend asked her, do you have any hobbies?
Huili suddenly froze, her mind went blank, and suddenly she found herself reduced to a money-making machine without feelings, interests and happiness. I have no enthusiasm for everything on the weekend, so I have to answer awkwardly:
My hobby is making money!
I have heard the feelings of countless people: I know my income is ok, my monthly salary is over 10 thousand, I have a car and a house, but my life is full of fear: I dare not rest, quit, give up, fall down or even die. ...
With great fear of the future, I always feel that everything will disappear in an instant; What I am most afraid of is getting sick, even if it is not a serious illness, it can make decades of efforts instantly turn into nothingness.
It turns out that we have been in such a state of tension and full load. In the full load of pressure and debt, we live, work and fight with the full load.
In the face of risk, there is no resistance, even a straw can crush a tired camel!
three
More than half of households in China have zero savings.
On the morning of 12 last year, a 42-year-old programmer jumped off the roof.
A month ago, the leader talked to him, meaning that you were fired!
Bachelor degree in Beihang University, master degree in Nankai University, 985 famous universities all the way, 8 years in Huawei, 6 years in ZTE, and a big company all the way; Shenzhen has a car, a house, two children, an annual salary of several hundred thousand, and a certain equity.
At least before being resigned, it was a life that others wanted but couldn't get, but even so, it was so vulnerable in the face of crisis.
After the accident, his wife said: the pillar of our family fell down, leaving me, my 9-year-old son and my 2-year-old daughter. Four old people are at a loss and make me collapse! ! I don't know what to do in the future What should we do?
Even if the annual salary is hundreds of thousands, the ability to resist risks is equally fragile.
His suicide attracted a lot of attention. Many people say that they see their own shadow in him: although the income is considerable, life is always tense and full. Some people think:
"When people reach middle age, their income is basically spent on the mortgage of the house, and family expenses have to rely on their fingers to live. Once they lose their jobs, the whole world will collapse. "
One of the best criteria for judging whether a person's life is poor;
If you don't work for half a year, can your life still function normally, including your mortgage, car loan and credit card, and can you repay it normally?
If the answer is yes, then you have a margin in your life, enough to cope with the sudden impact;
But if the answer is no, then your life is actually very tense, and you may be vulnerable under high load.
four
However, most people's lives are in a state of high load:
1. Zero savings
A friend described his life like this:
As soon as the monthly salary is paid, most of the mortgage and credit card are deducted, and the rest, how much the baby spends, how much the food costs, and how much the wife spends on clothes and cosmetics, are still not enough.
I used to spend money like water, but now I often blush for a dollar. It's the end of the month, and I'm looking forward to getting paid early. Can't sleep at night. What if I get sick? What if I get sick? What if I get sick? There is no savings at home!
Southwestern University of Finance and Economics "China Family Finance Report" pointed out that 10% households with the largest savings in China have 75% of all savings; Another 35% households are said to save more, accounting for 25% of the total.
Finally, what is the savings of the remaining 55% households? The answer is -0.
To put it bluntly, in China, more than half of the families have almost zero savings and no extra money.
What does zero savings mean?
In foreign countries, you may be able to rely on a sound social security system and not fall apart.
But in a society where social security systems such as housing, medical care, pension, education and unemployment are completely immature, what does zero savings mean?
It means that even a little crisis can completely crush a family.
2. High debt
Tianya saw a post about debt:
"I don't know how I got here today. From having a car and a house with more than 200,000 deposits to being in debt 1 more than 10,000 now, I am desperate. I want to commit suicide, but it hurts me to go home and see two starving children!
I get more than a dozen debt calls every day, and I'm devastated. I couldn't sleep for a week. If this continues, I will go crazy if I don't kill myself!
Today, I told my wife that I wanted to kill myself. My wife said I was going to commit suicide, so I jumped off the building with my two children! "
Nowadays, committing suicide in debt is nothing new. It's almost 100 degrees, everywhere: "The post-80s couples turned against each other and committed suicide, with a debt of 1000 million, leaving only 70 yuan" and "College students committed suicide with a campus loan debt of one million, unable to repay SMS". ...
High debt is the norm for families in China.
Some scholars pointed out that from 2007 to 20 16, the debt ratio of China households more than doubled. More than one-third of households are heavily in debt, and 30% of them may be vulnerable.
This prediction is optimistic, and economist Lang Xianping is even more pessimistic:
"In China, 99% of white-collar workers and their families are going bankrupt. And it is bound to go bankrupt! There's nowhere to run! This may happen in the next 2- 10 years. You can try to doubt this number. But this is bound to happen, and it is by no means alarmist. "
3. High consumption
Ironically, when Carrie had no money to pay her debts, she couldn't help but buy it in buy buy. The consumption is staggering.
There are two kinds of high consumption, one is passive and can't spend it. For example, after buying a house, Lang Xianping knows many white-collar workers with a monthly salary of over 10,000 yuan, which makes him feel particularly awesome. After paying off the mortgage, he thought he could buy another one.
High-end residential areas and luxurious decoration make people feel that their status has improved and their consumption requirements are higher: food is expensive, transportation is expensive, tuition is expensive, and medical expenses are more expensive. ...
In fact, you are not really middle class, but "middle class": middle class consumption. Monthly salary 1 10,000 to 20,000. Apart from living expenses, there is basically no money left, and many people simply can't afford it!
The other is the active type, which can't help but buy in buy buy. The price is not expensive, which satisfies the value of consumer desire to a certain extent, and blindly follows the trend.
Big-name lipstick, eye shadow, lipstick, luxury brand bags ... have almost become the standard for women. No, you are a cheap product, a cheap product, a woman in bring disgrace to oneself, a woman who doesn't even love herself or you. ...
Whether you have money or not, you must buy it. If you have no money, you have to buy a credit card, naked loan. This is a symbol of status, a symbol of women, a symbol of nobility ... LV bags can be seen everywhere in the subway; Also, young people who don't even have a house but drive around. ...
In the end, you don't live what you want, but what marketers want. What merchants like best is to go out without brains.
The price is that you will be shocked when you sleep at night. What should I do? What should I do? What should I do? ...
five
Writer Mao Nan told a story of his friend, who worked in a public institution in the district and was still a contract worker. His salary is not high, but he learned a lot of bad habits in the unit, loving face and stressing ostentation and extravagance.
Seeing that everyone else has a car, he also bought one, the one with zero down payment and high interest.
That monthly salary is enough for car loan and gas. The daily life is to drive to work for an hour on the road, but in fact, it takes half an hour by subway.
A few years later, I didn't save a penny, and I still borrowed money from my friends. Parents dare not have children. A little self-aware, born, even can't afford milk powder.
A full life will inevitably bring a full crisis, depending on when it will break out, 2 years or 10 years. It's like you fall from the top of a dozen floors, without a parachute and a safety mat, and there is only one result-your head is broken and your body is shattered.
Before the crisis comes, what you can do is to put down your posture from now on. If you don't have money, don't pretend to have money. Do your safety cushion honestly.
Desire management (delayed gratification)
No matter how awesome you are, your earning power will never catch up with your spending power. This is reality. Many risks come from your strong desire to consume.
The first step in financial management is to manage your own consumption desire.
Measure whether the goods are really needed, urgent and necessary before buying. If you don't even have a house and just want to buy a car, you may be miserable.
Don't rush to live a standard consumption life before you are 40, you don't deserve it!
In addition, investment in education also needs to be done according to one's ability. If your income is limited, don't sharpen your head and send it to an aristocratic school. You may harm yourself or your children.
Security reserve fund
Many people like to talk about foreign countries. They have no savings, so they have a bad life? That's because national conditions are different. Those countries whose savings rate is lower than that of China can't save any money except that they are really hungry. Which welfare is better than ours?
There is a huge deficit of 4.7 trillion yuan in pensions. Whether young people can get a pension is still a question! Some people think it's good to live until retirement. Therefore, the family emergency reserve fund is very important.
Generally speaking, contingency reserve arrangement, where families cope with unemployment, should be able to meet the fixed expenses for at least three months. In other words, if you are fired, you can have enough food and clothing within three months, and June-1February is better.
It's simple. With money, we can not be afraid of the crisis.
Don't sacrifice the other half's career
It's easy to say that most of the men I raised you have no brains.
One of the major functions of marriage is to resist risks. Being a stay-at-home mother will only greatly increase family risks, and you will understand by counting them.
Four old people+two children+two adults, the expenses of eight people are all on your head, as well as mortgage, car loan, education, medical care, transportation, accidents and so on. Are you sure you can afford it alone?
Before the age of 40, you can overdraw your body and stay up late to work overtime. What about after 40?
From the family safety factor, don't give up the other half's career easily, even if the salary is not high, it is better than being a full-time mother and full-time father!
Carefully raise a second child
The reason is that the second child is open, and many couples can't resist the pressure of their parents or the temptation of the second child, and they give birth to the second child in an instant.
Someone has calculated how much it will cost to have a second child. 0-23 years old, conservatively estimated at 654.38+0 million yuan. Regardless of rising prices and inflation, there will only be more, not less.
However, most families are actually not ready. The financial situation of the original bus may explode instantly because of the second child.
Many friends around me are like this. Originally, two people made money and became very poor. Mortgage, car loan and milk powder money are overwhelmed, credit cards are maxed out, and glistening is overdue indefinitely. They don't even dare to go out to play on weekends. Many mothers say that they have cried secretly many times.
For the second child, you need to be cautious again. If the reserve fund is enough, there is nothing to say. If it's not enough, it's realistic and practical to optimize the family's financial structure first so that your family has enough ability to cope with risks, and then consider a second child.