When I exceeded a monthly salary of 30,000, I began to overestimate my level of consumption, thinking that I could be like a poet, living that kind of life with only afternoons and coffee.
Get a cat, get a dog, take the woman you love on a road trip.
In less than two months, half a year's savings were nothing.
So I began to panic, had to sign a contract of sale with several A parties, the entire off-duty time is working endlessly, overtime, stay up late, catch up with the manuscript, non-stop, do not know what color the sun is, do not know what shape the winter is.
Monthly salary of 50,000, but still live like a beggar, like a dog!
Beijing white-collar when will be able to understand:
Also a monthly salary of 50,000, a house in Beijing, a commercial loan of 1.9 million, a monthly loan of 10,000 yuan, but also for 30 years;
Shenyang, a house, a loan of 400,000, a monthly need to pay back 3,500 yuan, but also for 20 years;
BMW a, 190,000 yuan per month, but also 5,000 yuan per month.
On the surface, she is the scenery of the middle class, Beijing has a house, driving a BMW to work, but behind the scenes, she is so miserable that she can not even hold out.
Lining up for an hour at McDonald's just to buy a burger;
Cursing at the curb with the meter maid just to pay two dollars less for parking;
Staying up until ten o'clock to go grocery shopping just to buy a catty of pork ribs at a 7.8 percent discount.
"Can you appreciate that every day when I open my eyes, I think of the millions of dollars of loans still on my back, and I feel that I can't live a solid life without earning 50,000 yuan every month?"
2
One day, a friend asked her, "Do you have any hobbies?
Shi Huili froze at once, her mind went blank, suddenly realizing that she had been reduced to an emotionless, uninterested, joyless money-making machine, with no enthusiasm for anything on weekends, so she had to answer awkwardly:
My hobby is to make money!
Listened to the feelings of countless people: obviously income can be, monthly salary of more than ten thousand, have a car and a house, the day but live in fear: do not dare to rest, do not dare to quit, do not dare to give up, do not dare to fall, and even dare not to die ......
The future with an immense amount of fear, always feel that all will disappear in an instant; the most What I'm afraid of is getting sick, even if it's not a serious illness, it can make decades of hard work instantly turn into nothing.
It turns out that we have been in such a tense, full-loaded state, in a full load of pressure and debt, a full load of life, a full load of work, but also in a full load of wear and tear.
In the face of risk, there is not the slightest ability to resist, even a straw, can crush the camel in the fatigue!
3
More than half of China's households have zero savings
On the morning of December 10 last year, a 42-year-old programmer, leapt from the roof of a building.
A month earlier, he had been talked to by his leader, meaning, you're fired!
Beihang undergraduate, Nankai master's degree, all the way to 985 prestigious schools, Huawei work 8 years, ZTE work 6 years, all the way to the big companies; Shenzhen has a car and a house, two children, hundreds of thousands of dollars a year, and a certain amount of equity.
At least before the resignation, all the way up, is what others want and can not get life, but even so, in front of the crisis, the same is so unbearable.
After the accident, his wife said: the pillar of our family collapsed, leaving me and my 9-year-old son and 2-year-old daughter, four elderly bewildered, let me heaven and earth! Completely at a loss as to what to do in the future? I'm not sure what I'm going to do.
Even with a salary of hundreds of thousands of dollars a year, the ability to resist risk is equally fragile.
His suicide triggered a lot of people's attention, many people said, in his body, see their own shadow: obviously a substantial income, but life has been in a tight, full load state. Some people lamented:
"The situation of people in middle age is that the current income is basically spent on the house mortgage, family spending to pinch the finger to live, a job loss, the whole world collapsed."
The best criterion for determining whether one's life is tight:
If you don't work for six months, can your life still function normally, including your mortgage, car loan and credit cards?
If the answer is yes, then your life leaves room for more than enough to cope with a sudden shock;
But if the answer is no, then your life is actually very tight, and in a state of high load, there is a risk of being overwhelmed.
4
However, most people's lives are in a state of high load:
1. Zero Savings
A friend described his state of life in this way:
Monthly paychecks are issued, mortgages, credit cards, you have to deduct most of the rest, how much the baby spends, how much it costs to eat, how much his wife spends on clothes and cosmetics. The first thing you need to know is how much you're spending on the baby.
Once you've spent a lot of money, you'll often have to fight for a dollar, and at the end of the month, you'll be looking forward to getting your paychecks in early. I can't sleep at night. What if I get sick? The first thing you need to do is to get your hands on a new one, and you'll be able to do that. What if I get sick? I don't have any savings at home!
Southwestern University of Finance and Economics, China's Household Finance Report, says that the top 10 percent of households in China have 75 percent of all savings, while another 35 percent of households are said to have more savings, and they account for 25 percent of all savings.
Finally, what are the savings of the remaining 55 percent of households? The answer is - zero.
To put it in human terms, more than half of the households in China have almost zero savings, not a penny of extra money.
What does zero savings mean?
In foreign countries, you might be able to rely on a robust social security system and not fall to pieces.
But what does zero savings mean in a society with a completely immature social security system for housing, health care, retirement, education and unemployment?
It means that the slightest crisis can crush a family to the point where they can't lift their heads up at all.
2. High debt
Tianya saw a post about debt:
"I don't know how to get to this point, from having a car and a house with more than 20 million deposits to the current debt of more than 1 million, despair, I would like to commit suicide, but go home and see two children waiting to be fed, the heart of a hidden pain!
Every day, I received a dozen debt calls, I collapsed, and for a week I could not sleep, and if this continues, I will go crazy if I don't kill myself!
Today, I told my wife that I wanted to commit suicide, and she said, "If you want to commit suicide, take your two children and jump off the building with you!"
Now, debt suicide is no longer considered news. Just a Baidu, everywhere: "80 couples snuggle suicide, debt of ten million, only 70 yuan left on the body" "college students campus loan debt of one million, unable to repay the message suicide"......
Highly indebtedness is the norm for Chinese families.
Some scholars have pointed out that from 2007 to 2016, the debt rate of Chinese households more than doubled. Already, more than one-third of households fall into the high-debt category, and the 30 percent may be unbearable.
Such a prognosis is optimistic; economist Lang Xianping is even more pessimistic:
"In China, 99 percent of white-collar workers and their families are about to face bankruptcy. And it's inevitable bankruptcy! There is no way out! This thing could be happening in the next 2-10 years. You can try to be as skeptical as you want about that number. But it's bound to happen, and it's by no means alarmist."
3. High Spending
The irony is that you can't help but buy and spend an alarmingly high amount of money when you clearly don't have any money on your card to pay off your debts.
There are two kinds of high consumption, one is passive, do not spend can not, for example, after the purchase of consumption, Lang Xianping know a lot of white-collar workers, monthly income of more than 10,000 yuan, feel special bully, pay the mortgage, feel that you can also buy another set.
High-end neighborhoods, luxury decoration, feel that the status of the status has improved, consumption is also higher requirements: expensive food, transportation, expensive tuition, medical costs are more expensive ......
In fact, you're not really middle class, but the "being middle class"! The first thing you need to do is to get a good deal of money from the government. With a monthly salary of just 10,000 to 20,000 dollars, and basically nothing left but the cost of living, a lot of people simply can't afford it!
The other is active, can not help but buy buy buy, not expensive to a certain extent simply can not meet the value of consumption, coupled with blindly follow the trend
Big brand lipstick, eyeshadow, lipstick, luxury brand bags ...... almost become a woman's standard. No, you are cheap, cheap goods, trampling on their own women, even their own do not love their own women, men are even less likely to love your woman ......
Whether there is money or not, must buy. No money, borrow, open credit card, naked loan, also have to buy. This is a symbol of identity, a symbol of women, a symbol of nobility ...... subway, LV bags everywhere; as well as, even the room is not, but driving a small car around the young people ......
In the end, you did not live into the way you want to be. Instead, you're living the way the marketers see you. The businessmen's favorite is the one who goes out without a brain.
The price is, sleep at night will surprise, so much money is not paid back, what do I do, what do I do, what do I do ......
5
The writer Maonan told a story, it is his friend, in the district of a utility to work, or a contract laborer, the salary is not high, but the unit The bad habits learned a lot, love of face, talk about ostentation.
Seeing that other people have cars, he also bought one, the kind of zero down payment, high interest can be.
Monthly that a little bit of salary, just enough car loan and fuel costs, the daily state of life is to drive the car on the road blocked an hour to the unit to work, in fact, take the subway, half an hour will be enough.
A few years down the line, not a penny saved, but also looking around for friends to borrow money. I'm not sure if I'm going to be able to do that, but I'm going to be able to do it," he said. I'm not sure if I can afford to do that, but I'm sure I'll be able to do it," he said.
The full load of life state, inevitably bring full of crisis, depending on when the outbreak, 2 years, or 10 years. It's like when you fall from the top of a dozen-story building without a parachute or a safety mat, and there's only one outcome - a broken head and a shattered body.
Before the crisis has come, what can be done is to start from now, put down your body, do not pretend to have money if you do not have money, honestly, build your safety cushion.
Desire management (delayed gratification)
Even if you're a bully, the ability to make money can never catch up with the ability to consume, this is the reality. A lot of risk, comes from your excessive desire to consume.
The first step in financial management is to manage your desire to consume.
Before you buy, measure whether that item is really needed, whether it is urgent and necessary. If you are thinking of buying a car when you don't even have a house, you will probably be miserable.
Don't rush into a standard consumer lifestyle before you're 40, you don't deserve it yet!
Also, education investments need to be made within your means. Income is limited, do not cut your head to the expensive school to send, harm yourself, but also may harm the child.
Safety reserve
Many people like to talk about foreign countries, they do not have savings, not still living well? That's because of the different national conditions, those countries with savings rates lower than China's, in addition to the really can't eat enough to save money, which welfare is not better than ours?
The huge pension deficit of 4.7 trillion, young people can not receive a pension, or a question! Some people lament that it is good enough to live until retirement. That's why it's important to have a family emergency reserve.
Generally speaking, a family's emergency reserve to cope with unemployment should be able to meet at least three months of fixed expenses. That means if you get fired, you can clothe and feed yourself for three months, and 6-12 months is even better.
It's simple, have money on you to be crisis-proof.
Don't sacrifice your other half's career
The man who easily says I'll support you, most of them don't carry a brain.
A major role of marriage is to protect against risk, and being a full-time mom will only increase the risk of the family greatly, and calculate a sum of money to understand.
4 elderly +2 children +2 adults, 8 people's expenses on your head, as well as mortgage, car loans, education, health care, transportation, accidents, etc., you are sure that a person can afford?
Before the age of 40, you can overdraw your body, stay up late and work overtime.
After the age of 40, what?
From the safety factor of the family, don't easily give up your other half's career, even if the salary is not high, it's still better than being a full-time mom or dad!
Cautious about raising a second child
The reason why I bring this up is that with the opening up of the second child, many couples, unable to resist parental pressure or the temptation of having a second child, are also tempted by the thought of having a second child.
How much does it cost to have a second child, some have calculated, 0-23 years old, a conservative estimate is 1 million yuan, not taking into account price increases and inflation, it will only be more, not less.
But most families, in fact, are not prepared for the original tight financial situation, may be because of the second child, an instant explosion.
Many of my friends are like this, the original two people to earn money into a hard to carry, mortgage, car loan, milk powder money, pressure to kick the air, credit card brush out of the, the chanting white unlimited overdue, even the weekend do not dare to come out to play.
For the second child, it is necessary to be cautious and cautious again, if the reserve fund is enough, no comment. If not enough, first optimize the financial structure of the family, so that your family has enough to cope with the risk, and then consider the second child, very realistic, but also very real.