At the end of the year before last, my aunt and uncle went to the door to borrow money and asked for 200,000 yuan, because their daughter - my cousin to buy a house in the city, the loan is not down - in fact, not to mention the loan, they even The first thing you need to do is to get your hands on a new car, and you'll be able to get it back.
The reason why I do not want to lend them money, mainly my cousin, "no rich second generation of life, but got rich second generation of disease", from childhood to eat good wear good with good, born "princess life", unfortunately, is now known far and wide, "female finish show". "The first thing you need to do is to get your hands on a new pair of shoes or boots.
When my cousin graduated from college, she changed several jobs and was tired of the low pay, and even thought that working was not good. The first thing I've learned is that I'm not a big fan of the idea of a new generation of people, but I'm a big fan of the idea of a new generation of people. I'm not sure if you're going to be able to get a good deal on this, but I'm sure you're going to be able to get a good deal on this, and I'm sure you're going to be able to get a good deal on this.
The cousin entered this unit, although it is a temporary worker, feel the value of a hundred times. I'm not sure how much I'm going to get out of this, but I'm sure I'm going to be able to get out of it, and I'm sure I'm going to be able to get out of it. Not far from the side of the unit there are two Starbucks, this group of people every day after lunch must order a cup of coffee, kill time until the afternoon work. Unfortunately, the salary of temporary workers, a cup of Starbucks every day consumed half of the salary, the remaining money can do what? She doesn't miss any of her coworkers' parties, so how can she get enough money from her salary? In the end, my aunt and uncle have to give her more money to survive. The first time I saw this was when I was a student at the University of California, Berkeley, and I was a student at the University of California, Berkeley!
After six months of work, she proposed to buy a car. Originally, her home from the work unit is not far, the battery car twenty minutes time can be. She said her colleagues in the unit have a car, she also want, and no car is not convenient to make boyfriends. The Aunt and Uncle can't argue with her, out of the 100,000 savings ready to buy her a small Polo. she does not want to feel the price drop, must be Audi A4, repeatedly do the work of the Audi A3, due to the Aunt and Uncle's tight hands, from the borrowed 50,000 for the requirements of this to meet the cousin.
After that, the pressure on the aunt and uncle is great. In addition to the original to the cousin to supplement the cost of living, and now have to bear the cost of oil and car insurance and maintenance fees. The old couple usually save money, all subsidized to the "thousand gold princess".
The car was bought, the boyfriend is still not settled - she can look at the boys, no one will look at her as a temporary worker - after all, the "Cinderella" story is a After all, the "Cinderella" story is just a fairy tale. However, she didn't realize this, and she didn't listen to what her relatives said. Later, a talkative woman at work told her that if a girl wanted to find a golden son-in-law, she had to have a house in the city. So there was a scene at the end of the previous year. To be honest, a suite in the city at that time, at least two million or more. Not to mention the 20% down payment can not pay, is 80% of the loan, I am afraid it is very difficult to approve down, after all, according to her income, no bank will give her loan so much money, really loaned to her can not afford to pay ah.
I finally refused my aunt and uncle's request to borrow money, and also told them that my cousin's current situation is entirely caused by them.
These are the first time I've ever seen a woman in the world who has been in the same situation as me, and I'm not sure if I've ever seen her in the same situation.
My hometown neighbor, Xiaobo, is such a person. Xiaobo is one year younger than me, and is also in his early forties. The two families have been working in Shanghai over the years, Xiaobo has a small van, before the usual roadside sale of fruits, these years business is not doing well, it changed to help people aquatic products store delivery, a month of six thousand dollars or so. Xiaobo's wife Yanzi in the neighborhood of a small factory to work, no insurance, work also do not have to punch card, dry how much to take how much, not at all formal. But Yanzi is very satisfied, in her words: want to do it, don't want to do it, all depends on the mood, figure is a comfortable! The first thing you need to do is to get your hands on a new car, and you'll be able to get your hands on a new car!
Xiaobo can be sloppy about everything except food and drink! The first time I saw this, I was able to get the ball rolling, and I was able to get the ball rolling, and I was able to get the ball rolling. The most important thing to remember is that you can't stop talking about food and drink. But all related to food, spend more money, wave will never hurt! As long as he heard where where there is something more delicious, he will run to buy, will also be happy to bring Yanzi, do not mind the trouble, but also never mind the distance!
For these moves of Xiaobo, Yanzi never stops, she herself as long as she likes something, will not hesitate to buy it! Thousands of dollars of cosmetics, a few hundred dollars to do a hair, she did not blink an eye! Clothes are even more diligent to buy, as long as the change of season, quasi-guarantee and have to change all the new! The concept of the two couples is: no matter how much money it, as long as the hands of the money enough to afford to buy it!
Last year, Xiaobo's son went to high school, and others advised him: It's not easy to make money, save some money, reserve some for the future of the child to go to college. The next child will be older and will need more money! Xiaobo said: What's the use of going to college now? What's the use of studying in college now? After going out into society, to spend money on their own to earn, who can still support him all his life?
Xiaobo from the marriage to now also almost 20 years, or live in the old family how many years ago in the old house, the village people almost all in the county or outside the big city to buy a house, only their family a little bit of movement is not! Previously I have advised Bo to buy a house, but he laughed and retorted to me: the interest on the loan to buy a house is more than the principal, buy a house and pay property fees and so on, become a slave to the house, a lifetime of working for the bank, stupid or not stupid ah? Now he does not consider buying a house, the reason is: many places are engaged in the construction of new rural areas, will soon be centralized living, the future of who still lacks a house?
But in eating and drinking, Bo is really willing to spend money: he can spend four or five hundred dollars to eat a meal of crayfish, can also take a taxi to dozens of kilometers away, just to eat a bowl of good taste of small wontons! The most posted in the circle of friends is not in the meal, or in the tour, live that really a dashing! Milk never drink less than five dollars a box, pineapple honey, durian, Chelsea these fruits, but also want to buy on the buy, think not delicious on the direct throw away. A lot of years ago, smoking cigarettes more than 20 packs of cigarettes, playing cards is the size of not refusing to invite must be there, losing thousands of him also unambiguous!
My wife sometimes often in front of me lamented: I have been married to you since this life, have not had a day like people swallow like days! Every day, stingy shrinkage, exhaustion, can not afford to do so and can not afford to do so, and did not see a few more money to !
Sometimes when I think about it, Xiaobo and his wife are worth their lives. They eat and drink, and have no worries! But if you really want me to live like them, I can't live one day at a time! There is no savings in hand, no life planning, not even a basic insurance, in case of an accident or unexpected circumstances tomorrow, it is not a two-handed blind? At that time, only the part of the cry! So I'd rather live my life honestly, at least this way, I'll be able to get down to the bottom of it!
Auntie's niece, a family of three, the son is more than thirty years old has not been married, looks like it is not ready to get married. The first time I saw this, I was able to see the woman's face, and I was able to see the woman's face, and I was able to see the woman's face, and I was able to see the woman's face, and I was able to see the man's face.
Auntie's niece, though living in the countryside, has the mindset of a city dweller, living the life of a city dweller, earning one and spending two, never contributing to the effort.
The niece's family planted the seeds in the village when other people did, and then they just grew as they wanted to, and they grew more and less, just enough to eat. Luckily, her husband had been an electrician and had a salary. Plus, her son usually go out to play a month of labor, there is income on the home, a family of three on the days of eating and drinking.
The niece's family has been called a dashing, race over the gods. The market must catch, buy back a lot of good food, drink beer, smoke a small cigarette, a family of three over the salt and flavor!
The night nothing to go door to door playing poker, playing mahjong, a fight is the middle of the night. At first I thought their family is very rich, and then listened to my sister-in-law said, his family is today's wine is drunk today, eat enough do not know the kind of hunger and sleep. The family never save money, and do not know anxious to find a son!
There's no denying that everyone has their own way of life, and we don't have the right to tell them what to do. But sometimes I really admire such a person, at first glance is easy to satisfy the people. You say I'm lazy or not, say I don't go the way of the common man or not, but I only live for myself, no matter what others say.
How many people can do so freely? If we do a lot of people early began to anxiety: money is not enough, the house is not big enough, not good enough to live a series of problems such as others early pressure on us!
So it's a good thing to be able to live your life as freely as your great aunt's niece!
One of my classmates is like this, everyone who knows her is talking about her behind her back, but she doesn't care about that, she's still doing what she's doing.
She used to work in hospitals, and when she gave birth to a child, she quit her job and went home full-time to take care of the child, and for more than twenty years, she relied only on her husband to make money to support the family, and her husband was doing plumbing and electricity, and his income was really not that high in a small county like ours.
But her consumption is everywhere through the "I'm rich" momentum, the family eat with what can only be high-grade, at least one year to go out to travel more than three times.
The child is a teenager has been living on loan in her great-aunt's house, her husband's brothers bought the land infrastructure house, each family a layer of decoration and furniture with all the high-grade goods, the result of living in the new house, a few of our classmates went to her home to play, she took out the account of the debt of several hundred thousand dollars.
But this does not affect her consumerism, once with a few friends to go to Yunnan Tourism, to see others are buying jade and so on, she obviously not so much money, but to find a peer friend to borrow money to buy a more than 10,000 bracelets! She traveled during her husband happened to be in my neighborhood to help people install water and electricity, I called him home for dinner to hear her husband said.
There is also a good condition of a few female students about to go to Wuhan to do a physical examination, she followed the go, do a full-body physical examination cost more than 7,000, and then came back to follow one of the students to go to the driving school to sign up for a driving license, and spent more than 4,000, the people test license to buy a car, and the results of the people's new car has become the old car, her license can only be at home to lie down and sleep.
I have to say that her husband is really good, go out early in the morning every day, and at night a gray to help her wash the dishes at home, she played mahjong outside, but also have to ride to pick her home.
A son is also a typical loser, graduated from high school that year on the street riding a motorcycle hit a person seriously injured, lost more than two hundred thousand, did not graduate from the university and online gambling lost more than three hundred thousand, according to her own, at least a million in debt! Her husband saw a year old year, she never thought how to help share a two, a reunion with two straight male students in front of the face of the crowd said she!
A said: "Look at you every day to be idle to grow a fat, the husband is as old and thin as a slave, the son is older, you will play less, just find something to do not?
B said: "Your cooking skills are not bad, to rent a store on the street, sell some hot noodles can also be, at least help your husband to share a little, see your husband that poor look, how can you tolerate every day idleness?"
In general, people's self-esteem can not stand, but she smiled and said that her husband does not let her do things, as long as she serves him well every day on the line.
Her biggest advantage is that she loves cleanliness, the home can be described as spotless, in her great aunt's home for nearly a decade, even the kitchen was like new when she moved out, inside and outside of the stains are not, her home does not have any dead ends, even under the bed is not a trace of dust, which is all people have to be recognized.
About three years ago, her husband fell down from the stairs when he was working, intracranial hemorrhage in the city center hospital, we went to the hospital to visit, she was also anxious to see us a few students straight tears! Then slowly improve the doctor urged at least rest for more than six months, but her husband was discharged from the hospital to rest less than three months on the resumption of work, and she is still the same old, mahjong to play still have to play, tourism as usual can not be less, just last month she pulled the suitcase to my friend store to buy clothes and shoes, and said that it is in a hurry to go to Hainan Tourism, listening to my friend said really said speechless, really admire her heart big! This is also forty-something years old (her husband is several years older than her, has been the early fifties, she did not get married to twenty on the son is already twenty-seven years old), back a debt, daughter-in-law did not marry, the heart is how to do this kind of light-hearted? I'm sure I can't do that!
Our unit Liu divorced with a daughter in her twenties life, it is reasonable to say that the age is not small, should not be like young people, today's wine today drunk.
But she has been living a rich life since she was young. Won't cook not open fire, young to eat at their parents' home, the unit has a cafeteria, the child called takeout.
By relying on the salary of the wife of a large family, her ex-husband opened a store always said that the poor operation of the family does not pay money, her salary and the child two people to spend. In the past, the efficiency of the unit always issued shopping tickets, seafood tickets, bonuses and subsidies are more, she spent the money without touching.
Now, the unit is a normal salary, bonuses, but will be delayed for a long time, other shopping tickets and subsidies are no longer.
This is for the habitual money Liu sister on the pain, the ex-husband does not care, the child and early to develop the habit of spending money, the two are still big spenders, and often do not make ends meet.
The credit card often does not pay, credit is not good, the bank always call her. A condominium was sold, and another mansion was sold, the money paid off the credit cards, and the rest was quickly spent.
Her parents died a few sisters share the inheritance, divided her about 100,000, the unit share of the bonus of more than 20,000 yuan.
Every day and children crowded in the old neighborhood, the cost is extremely low. A woman in her fifties in a public institution, the monthly salary in a small county can live very well.
However, the sale of the apartment money, inheritance money, bonus money are spent in just six months, did not buy any physical, the daughter does not work does not go out every day to lie flat, the mother and the two meals called meals, often in the car to shop outside the city.
Her attitude to life, in the eyes of outsiders is very rich people. Only our unit people know, she often with colleagues to borrow money to spend, more or less let her borrow one all over the place, so that we are unusually disgusted, do not love to take care of her. This kind of surface of the family's wealth is not to be.
I have a family of three in my hometown, with low income (not because of the background, indeed because of poverty) but often fish and meat, other families usually buy meat is one or two pounds, their family is a time and a half fan, as a result of the son's girlfriend to buy a house, the family even if the borrowing of money do not dare to buy, because once you buy a house, a year of two to three million of the low income will be gone.
The female superior owes me 25,000 yuan, she uses skii, smacks me with Dabao, and said: older to be able to maintain .
The girl is 3 years younger than me, 29 years old this year, she is the group company's business department, although it is the superior, but because there is no position, so the salary is not high, a month of 6000 yuan or so.
Usually we work docking more, that time I do not have children, often about to play together.
From the time I met her, she was generous, go out to eat always grabbed open money, wear clothes are one or two thousand, backpacks are also good, so I always thought her family conditions are good.
At the end of 2015, I am ready to buy a house, the girl also want to buy a house, I said let her and I buy a neighborhood, she readily agreed.
Then we went to see the house together, I looked at more than 140 square feet of large units, she looked at 98 square feet of small units, selling houses said if we buy together can be discounted.
I discussed with my husband, I think that the location of the neighborhood is good, the type is also square, and paid a deposit. The girl also said she went back to her parents to ask for money to pay the down payment.
I calculated that we can spend 20,000 dollars less on discounts, and my heart is happy. I didn't realize that a week later, the seller called me and said that the girl hadn't been able to pay the deposit, so we couldn't take advantage of the discount.
I rushed to call the girl, the girl stammered that her parents think that the location is not good, do not let her buy. The girl was very remorseful and kept apologizing to me.
I quickly consoled her, do not buy, do not buy, do not blame yourself. In fact, we have already paid the deposit, that is, because she backed out, so we have to spend 20,000 yuan more.
I asked her how much to borrow and she said, Lend me as much as you have!
I had some money in my hand, so I transferred 30,000 dollars to her. I'm not sure how much I'm going to be able to get out of this, but I think I'm going to be able to get out of it.
After her mother was discharged from the hospital, she has not mentioned the matter of money, I'm a thin-skinned person, but also embarrassed to ask her to. Later, we have to renovate our house, I had to politely open the mouth.
As a result, she said: Recently, my family bought a house, my mother did not give me money, I first pay you 5000 yuan!
They are the first to have a chance to get their hands dirty. Heart also sympathize with her, mother just discharged from the hospital, the family and buy a house, no money can be understood.
At the end of 2017 I traveled with her, two people live in a standard room, she took out the makeup bag from the suitcase, which is a big brand.
When washing, she looked at my skin care products and said: How do you still use Dabao ah, you are 32 years old, you have to maintain!
I smiled, do not know what to say, because my husband and I are from the countryside, the economic conditions are not good, from childhood developed the habit of saving, let me buy 2000 yuan a bottle of cosmetics I really can not afford.
The girl saw me do not say anything, may recall that they still owe me money, said: In fact, this expensive skin care products can be used for a long time, you see me, with this, a bottle of 2500 yuan, but can be used for a year.
I nodded, some dissatisfaction in the heart, said: How about you pay me back first, I really quite poor recently.
The girl immediately sank to her face and said : I will pay you back if I have the money, do you see me like a bad debtor?
I stopped talking because I knew I wouldn't get my money back.
The girl turned on the TV and didn't even look at me. I felt like swallowing a fly in my heart and felt very disconnected. Later, our relationship became a general colleague, I let her return the money three times, but every time she said: have money to return you.
Why is it that some people don't have a high income, but they still live like they have a fortune? From the girl, I summarized a few characteristics of this kind of people:
The girl has four or five friends around her, all of them have good family conditions, spend a lot of money on the kind of money, they are together is to compare each other, to see who's bag is expensive, who's clothes look good.
The girl in this environment, it is easy to become vain people, be bundled consumption. So it is still important to make friends.
As the saying goes, "it's easy to go from frugality to luxury, and difficult to go from luxury to frugality", once a person is accustomed to high consumption, and then let her live a hard life, she can't go on. Just like the girl, her parents have so many years to earn a lot of money, so she has become a habit of spending a lot of money, if you let her live a frugal life, I'm afraid she can not accept.
A lot of girls think that carrying a brand-name bag will make them stand out, and others will be able to look at them. In fact, it is not, if you back a 10000 yuan bag to squeeze the bus, people will only think you back is a fake bag.
I think, people still need to live within their means, and how much money they have to do, they can't just beat their face up and become fat.
If you already have this tendency, how should you put an end to it? You can start from the following aspects:
A lot of people's problems are idle out, go to enroll in a dance class, painting class, semester class, really can not afford to go to the park to run, to fill their free time, so that there is no time to spend.
Have you ever tried to earn money? It's actually very pleasurable to watch the numbers on your bank card grow every day, and you'll know it naturally when you shift your interest to earning money.
The difference between people is that outside of 8 hours, cultivate hobbies and interests, and work hard in a certain area, you can naturally find your own value.
My husband's mom is this kind of person. With her interaction is not deep people often feel that she is a family conditions are good people, feel that she from food and clothing to housing is very stylish, simply do not see that she owes a few years of ten years old debt, live in the soil brick house, wooden plank house. Her husband, my father-in-law, is a special hard-working man, home and outside of the home what work are covered, every day hard to just sit idle for a few minutes to doze off.
My mother-in-law had two sons in her life, my husband is the oldest, probably because she is the only woman in the family, the men are pampered her, every woman loves beauty, but like my mother-in-law to borrow money to go to buy new clothes is not rare, and then expensive clothes as long as she likes to borrow money to buy, anyway, that is, even I can not afford to buy the price.
Today's meal is not appetizing to take the money to go downstairs to buy and eat, I asked her in the old countryside where to buy? She said she would buy snacks fruit to put at home, do not want to eat eat fruit snacks, I said okay ah your son did not learn from you, can eat well, she came to a, fruit snacks is her alone, even if it is the son has no share, the husband, not to mention. Well, I said your family raised a lady oh!
Out shopping, we thought of taking the bus convenient and quick but also save money, she can not, must take a cab, can directly to the door to save walking. I chose to ignore directly, scolded us all the way, cursing the kind. Buy clothes when you choose the most expensive, the most flowers, the most brightly colored, in her words he is suitable for the red pink, since childhood, like to have flowers, expensive quality is certainly good to wear not bad, I said your closet is bigger than me plus your son and grandson, that full of a cabinet full of clothes when to wear it all ah? She came to say that those old clothes I do not like to wear, well, people want to wear new models, catch the fashion. Then my husband and I will continue to wear the old style! Save some money and buy my son two sets of change of clothes! After buying clothes for the grandmother over budget, today is here to buy clothes for the grandson, the child grows fast last year's clothes are small!
After the winter bath body heat, she did not listen to advice not to wear thick clothes, wearing a fall coat and pants in the house to get around, we do not have heating in the South and only open a heater, a week to take a bath on the cold once, are accustomed to, go to the hospital doctor is annoyed with her, oh, the cold cold and flu to take some medicine on the right, can not be hung up on a hangman's bottle is coming again. But I have to work ah, can not always take time off to accompany her to hang water ah, that every other week to hang three days of water also need money ah, her son and I do not go to work can? She said that the medicine is too slow, the injection is good fast, I said that the total injection is not good for the body, and occasionally play okay, she said that the doctor must give her the most expensive and best medicine, I said okay, you take a shower and wear good clothes do not get a cold, take the money to go to the hospital to give you to buy beautiful clothes how good.
Most of the people in our village. Eating a few vegetables and meatballs hot pot, smoking Chinese cigarettes, chatting with the three villages must go out to mix the best: a naval officer, a Beijing businessman, a university professor. These three children and I was more familiar with how familiar, without my family which has him and so on, listen to the ears callus.