Young man, why should I advise you not to save money?

Should we save money?

Entering the workplace, young people, with a hint of excitement and anxiety, began a truly independent and self-reliant life.

However, when the reality makes people unprepared, young people just need to pay rent, meals, transportation and other expenses, and consume more than half of their already small wages at once.

In the future, we will face a series of problems such as getting married, buying a house and raising a baby. We need money everywhere. We are helpless, depressed and depressed.

Recall my parents' teaching: "Don't spend money is to make money!" . So the young people made up their minds that from today on, they should live frugally, scrimp and save, and be careful.

For example, at noon, it takes 20 minutes to go to 30 yuan for a meal. You began to refuse to go out with your colleagues, and microwave the food you brought from home.

Stay at home on weekends and holidays, because as long as you go out, you have to spend money on meals, fares, tickets and movie tickets, and you dare not want to travel. It is purely a matter of spending money;

When you go to the supermarket, you must buy the things with the biggest discount, as well as gifts;

Spend half a night comparing online, just to find the dress with the highest cost performance and the best evaluation;

I really want to buy a book, but I can't bear to spend money. I searched all kinds of forums just to find a free electronic version. When I opened it, it was garbled. At this time, the clock points to 12 midnight.

After all the money-saving plans have been implemented, you are surprised to find that money has been saved, but the money saved is not enough to plug your teeth, while you live like a bad karma ghost and your interpersonal relationship has dropped to freezing point. 2 1 century, the flowers of the motherland should not bloom like this.

In this era full of competition and anxiety, everyone is very aware of the importance of money. Money can help us get rid of poverty and let ourselves and our parents live a well-off life. Let children enjoy a better education; Let people live with more dignity.

However, just by saving money, you can never support yourself to realize these beautiful ideas and wishes. Young people should learn to spend money, and spend money wisely, and spend money on things that can help us make money in the future.

Unless you are a rich second generation with a reliable family background and money to eat, ordinary people just come from working families or peasant families and stay in first-and second-tier cities through universities to try to change their destiny.

At present, the main way for people to make money is to go to work, start a business, become a slash youth (engaged in sideline business), and of course, the income from investment and financial management.

When I say spending money, I mean spending money on it to make money, not on pure consumption and entertainment items, such as online shopping, games and eating, drinking and having fun.

Working at work, starting your own business and becoming a slash youth (engaged in sideline business) have different ability requirements and logic of making money. How should I spend my money?

02

be on duty

In the workplace, everyone is pursuing high salary and high treatment. The core of getting a high salary is to make yourself valuable. In other words, let the enterprise decide to give us a high salary, because we can bring value and contribution to the enterprise, and we have to know whether we are worth the money.

Of course, we all hope to meet a stupid and rich financier and make money by doing nothing. But the probability is so low, just daydream.

Making ourselves valuable means that we need to exercise and improve our ability and level, including knowledge, experience and insight.

So besides attending the training organized by the company, how can you spend money to improve your ability? You can refer to these points:

Promotion of academic qualifications (such as postgraduate entrance examination, MBA, EMBA；; Qualification description, career planner, psychological counselor, project management division certificate, etc. )

Thinking upgrade (paying for consulting experts, attending forums, buying books and courses)

Reserve and improve general abilities, such as English, writing, communication, study, time management, emotional intelligence management, etc. (Pay for consultation, buy books and courses, attend training camps, punch in)

After spending money like this, what you get is promotion and value-added. You have outstanding work performance, harmonious interpersonal relationship, leaders appreciate trust, and rely on your ability to eat everywhere. Whether it's promotion and salary increase in an existing company or job hopping, it's strange that the salary level doesn't rise sharply.

03

Become self-employed

If you leave school, you will have a good project, good friends, be valued by venture capitalists, and start a business with huge funds. Such a story is beyond the scope of this article.

We only say that we have worked hard in the workplace for many years and one day we want to resign and start a business.

In fact, many people in the workplace have had the idea of being their own boss. The most common sentence they ask themselves is: "What can I do?" .

If you can't make money by going out to start a business, you might as well stay where you are and make a small salary, ranging from five or six thousand to twenty or thirty thousand.

However, if you just flash the idea of starting a business every time you are scolded by your boss or promoted and raised, then you will never really realize your dream of starting a business.

So how do you spend money to prepare yourself for starting a business, and don't stay in the stage of "thinking" forever?

The most important thing is to spend on these two points:

Internet and social networks.

It is best to start a business based on the existing platform and resources, and prepare for your next resignation and start a business.

So you need to consciously accumulate customer resources, supply resources, channel resources and so on. This is indispensable for actively establishing and developing contacts, establishing their own reputation and gaining everyone's trust.

Over time, when you quit your job and start a business, you already have a ready-made source of business and customers, which will help you get through the initial stage of starting a business from scratch as soon as possible.

When you are interested in some entrepreneurial projects, you need to examine the current market situation, customer response, including the dynamics of competitors, and of course, consult senior people in the industry.

If you have started your own business, I believe you need to spend a lot of money to polish products, overcome technical details and recruit like-minded alliances.

04

Slash youth

Slash youth refers to the extra income obtained by engaging in other jobs in their spare time besides their existing jobs.

For example, some people use weekends to provide teaching services, such as teaching people to play ball games, swim, take photos and play the piano, or engage in work in their spare time, such as writing, design, translation and painting.

In short, on the basis of not delaying my work, that is, ensuring my basic monthly salary, I use my skills to engage in sideline business to increase my income.

So how to spend money to become a qualified slash youth who can earn money?

Develop interests and skills.

Find your interests or strengths first, and then spend money to reach a certain professional level in this respect before you are qualified to provide charging services.

For example, spend money on books, participate in training (online and offline), learn knowledge, teachers/experts pay for consultation and guidance, and obtain qualification certificates.

Mix circles and find resources.

Many times, if you want to find potential customers, you need to plunge into a platform or circle first, and you can quickly get potential customers through the introduction of friends or teachers.

A friend I know works as a piano tutor in his spare time. She has maintained a good cooperative relationship with many musical instruments. When the piano shop sells the piano, it will introduce her to the guests by the way. In addition, the musical instrument store regularly organizes large classes and recommends her as a teacher.

To be a slash youth, you should take the initiative to make more friends with your peers, which is conducive to sharing information, learning skills and learning from each other.

Buy books, tools, teaching AIDS and equipment needed by slash major.

If you start the charging service as a slash, the equipment will not work. Try to buy brands with good reputation in the industry, otherwise it will give people an unprofessional feeling, thus reducing your goodwill and trust.

For example, teaching people photography, photographic equipment is not a small expense; To teach people to draw, the quality of their brushes, pigments and drawing boards must be very good.

05

Finance and investment

When you have accumulated a certain amount of funds, you can start to consider planning reasonable financial management methods, so that Qian Shengqian can enjoy the benefits brought by investment.

Of course, young people who have just entered the workplace may not have much money for financial management, but it is very necessary to cultivate this awareness and learn basic knowledge first.

06

We are young people living in 2 1 century. Of course, we should enjoy life properly, embrace the world and broaden our horizons.

It is no exaggeration to travel once a year, whether at home or abroad. The people, events and sights we meet during the trip will bring us different experiences and perspectives of thinking.

Buy some classic and high-quality suits and shoes, so that you can dress appropriately, feel refreshed and confident when you emerge. In this era of looking at the face and looking at the face value, don't pass by because of your untidiness or untidiness.

In the case of conflict between money and time and energy, decisively choose time and energy first, and exchange money for time and energy. For example, renting a house closer to the company saves several hours of commuting time; If you are not interested in cooking and think cooking is a waste of time, you can order takeout. The first-class seat of the high-speed rail can make you work and study with more peace of mind, so don't choose the second-class seat.

In this way, you suddenly find that there are really many places to spend money, and there is no money to save.

Luo Yonghao, the founder of Hammer Mobile, said: "A person who can save money is not confident in himself." He said that when he was in his twenties, he earned 600,000 yuan a year in New Oriental, but he never saved any money. Young people should not save money. Those who dare to spend every penny will certainly make a lot of money in the future.

My interpretation of this sentence is:

Young people can't save money. Learn to spend money, spend it on the cutting edge, and make yourself a more energetic, valuable and profitable person. This is the most meaningful thing.

When you invest in self-improvement, effective social and personal development, building your comprehensive strength and improving the necessary quality of life, these investments will eventually return to you, 65,438+00 times, 65,438+000 times, or even more.