How are those people who saved too much money doing now?

My parents were born in the 1960s with excessive savings, and their life now exceeds that of most of their peers.

Thirty years ago, my parents and uncle and aunt split up. My parents were given 4,000 yuan, and my uncle and aunt were given a house. From then on, my parents began their struggle.

My parents took us to live in a temporary house, so their first wish was to save money to build a new house.

At that time, our village made a living by growing vegetables. In order to make more money from selling, my parents would go to the market 60 miles away from home to sell vegetables. They would push a flatbed cart back and forth and walk, often getting soaked. When you are hungry, you go to someone to ask for a steamed bun to eat and some water to drink.

My dad smoked and chose the cheapest one. My mom’s standard was: just keep us fed and clothed. As for preferences, it didn’t matter. Finally in 1995, my parents saved enough money to build a house.

My brother and I have never had to worry about money since we were young. My grandparents are also relatively happy old people in our village. Even now, there are still many rural elderly people who cannot heat their homes in winter. My grandfather 25 years ago Just used the heating.

Renting a house: My parents have been working outside for 20 years and have never rented a room with a toilet. In the beginning, the rented house was only 100 yuan/month.

Later, my parents earned more than 10,000 yuan a month. They rented a house with a monthly rent of 300 yuan. It was still less than 10 square meters and could accommodate two beds, a small table and a simple tableware.

I once complained that my parents were too stingy, why not rent a big house?

My mother said: "The poor live by saving little by little. If we save money, your life will be easier in the future." But at that time, I could not understand the kindness of my parents. Hard work.

Clothes: I have to complain about a section of my dad’s short-sleeved shirt.

This shirt was originally worn by someone else. It was given to my dad as work clothes. He washed it at night and wore it the next day. My dad wore this shirt for 15 years until an accident. It was scratched, so my dad laid it off.

Twenty years ago, my parents were willing to spend 300 yuan to buy me a down jacket, but they rarely bought new clothes themselves.

During the Chinese New Year in our family, my brother and I buy new clothes every two years (we buy large sizes that will be suitable for the second year). My parents almost never buy new clothes during the Chinese New Year.

My dad is a heavy smoker (he often needs to stay up late for work), which is also his biggest expense besides food, but he usually chooses low-quality cigarettes.

My mother has no other additional expenses except necessary living expenses.

None of the houses my parents rented were furnished with any furniture. Even the refrigerators and washing machines were purchased after my repeated urging.

My parents did not feel uncomfortable living such a frugal life, but actually enjoyed it.

In 2010, my parents bought a house for my brother in a second-tier city and paid a down payment of 300,000. Our family became the first among our relatives and friends to buy a house abroad.

Later, when my brother started his own business, my parents provided another 300,000 yuan to help him. This also gave my brother more opportunities than his peers.

In the end, through unremitting efforts, my brother successfully started his own business. He bought two new houses and a car with his own ability, and he had already returned his parents’ entrepreneurial funds to them.

When I got married, my parents raised 200,000 yuan as a dowry as a gift from my in-laws. My parents took care of all the preparations for the wedding, trying not to leave any regrets for me.

Without my parents’ excessive savings, my brother would not have had his first entrepreneurial capital, and his entrepreneurial journey would not have been so smooth;

If it had not been for my parents, If I saved too much money at the beginning, I might not have enough confidence in my husband’s family.

My parents took all their savings and returned to their hometown in the countryside to take care of themselves. They were still frugal but very happy.

Our house is still the original old house, and even the sofa is from more than 20 years ago.

When my mother first came home, there was no refrigerator at home, so she put the seafood and other things sent by her relatives at the neighbor's house (which was later eaten by the neighbor.)

My brother I bought a water heater, TV, and air conditioner for my parents, and I gave them a refrigerator.

It is worth mentioning that my parents’ wardrobe was my mother’s dowry when she got married. It seems that my parents have no intention of replacing it.

My dad's smoking has changed to mid-range cigarettes, but he still doesn't like buying clothes; although my mother likes to buy clothes more than before, she is still rational, and her food is still simple.

My parents feel that they are living a very happy life now.

Two people in one house, three meals a day, four seasons, good health, filial children, grandchildren, savings and no debt, and the ability to live the rest of their lives the way they like. This should be what many people want. life.

It was my parents’ excessive saving that allowed my brother and I to choose the people and jobs we like.

It was my parents’ excessive saving that reduced the pressure on my brother and me, allowing us to focus more on our small family.

For those of us who come from rural areas, this kind of life is the best arrangement within our capabilities.

In fact, I am the kind of person who saves money excessively. No matter how much my income is every month, whether it is 10,000 or 20,000, I only spend more than 2,000 on living expenses, and save the rest.

When working as a studio in the past, when the income was high, I could earn 50,000 to 60,000 yuan per month. At that time, the expenses per month still did not exceed 3,000 yuan.

All the remaining money has been deposited in the bank for fixed term. I have been married for fifteen or sixteen years, and this has always been the case.

If you ask us how we are doing now, I would say we are doing pretty well now. Due to the closure of the studio due to the epidemic, I have been unemployed for more than two years. But because I had been frugal in the past ten years, I had saved all my money. So although there is no income for two years, it will not have any impact on our current life. We can retire early.

No one around us can understand our lifestyle. Even my mother, who is over 70, despises our frugal lifestyle.

I have a piece of thermal underwear that I can wear for 10 years, but it has holes in it before I replace it. I bought one online for 18 yuan a few days ago. This is the first time I have bought one in several years. New clothes.

Although we don’t pay attention to dressing up, we still eat very well. We never run out of fish, meat, shrimps, ribs, fruits and the like.

My wife only spends a few hundred yuan on cosmetics a year. She never wants to go to a barber shop and always asks me to trim her hair.

Friends around us always think that we live too hard like this. In fact, if we get used to this way of life, we will never feel hard. On the contrary, because most of the time I don’t spend money on face, I can live more relaxedly.

There are some friends in the same industry who have always had similar income to us, but their daily expenses are more lavish. When their income is good, they use the money to travel abroad, buy nice cars and luxury goods.

As a result, we have retired now, and many of them are still worried about mortgage loans and looking for jobs everywhere.

I often hear many people say that money is for spending, and people who only know how to save have little future. In fact, if there is no opportunity to increase income, the money saved is also real money.

Income cannot be increased if you want to, but money can be saved if you want to.

We did have a hard time when we were young. We were not as cool as others. We had never even been to a bar or eaten Haidilao.

But the hard work only lasts for more than ten years. What’s more important is that when we have the opportunity to make money, we don’t spend money or go out to enjoy it. Instead, we can devote more time and energy to At work.

A few years ago, before the epidemic, we bought an RV after we lost our jobs and traveled around very freely.

I remember the most tiring and hard years. I often told my wife that we are still young and we should work harder. If we work harder for one month now, it will be enough to cover our living expenses for the next year.

Because I know very well that money does not last forever, and people will not always have smooth sailing. When you have the opportunity to make money, you must seize the opportunity.

Saving excessively is not a bad thing, but the prerequisite is that it does not affect your normal quality of life. Our current monthly living expenses do not exceed 3,000 yuan, but we just no longer spend money on face. We eat and play when we should, so the quality of daily life can still be guaranteed.

Our plan is to wait until the epidemic is completely over, and when our children go to college, we will buy another RV and travel across the country to make up for the hard work we put in when we were young.

I have a friend who is overly frugal and likes to save money. Because his wife cheated on him, he was living alone with his four-year-old son. In order for his son to have a better life, how frugal he was!

He used an insulated lunch box to make free porridge in the canteen. He has three meals for himself and a mobile phone that can be repaired and used for ten years. His clothes are the same all year round. He is reluctant to buy new clothes. He is even reluctant to buy more new clothes for his son. His son wears My clothes rarely fit me, and all I wear are old clothes from my cousins.

Whenever there are bottles and cans on the road, he will collect them as waste and sell them for money. He does not sell meat all year round. He has dug a field outside the school and grows vegetables by himself. When his son came home on the weekend, he was willing to buy some meat. When his son ate meat, he drank some soup. He washes his hair without shampoo or shower gel. Just to save more money.

His son graduated from Nankai University last year and directly found a job in a joint venture in Tianjin. He told his parents that he wanted to buy a house in Tianjin. He already had a house not far from his job. I went to look at houses with a classmate, and I liked one of them very much. Without saying anything, my colleague took out 900,000 yuan and supported his son’s down payment! This 900,000 yuan was saved by him through years of frugality.

A classmate who graduated with his son, was employed in the same company, and also wanted to buy a house here. Because his parents had no savings at all and could not support him in buying a house, he had to live a little far away from the company. Rented a house in the suburbs! My girlfriend I was dating in college also blew it!

His son told him, thank you, dad! Without your support, I feel it would be difficult for me to stay here for a long time! It will be difficult!

After being a father for so many years, I have tried hard to save more money and support my children at critical moments. It will have a great impact on their children’s employment and future!

There is such a person beside me. I especially love saving money, and I feel a little perverted about saving money. Commonly known as perverted depositors.

People should save some money, not just every month. But over-depositing goes to the other extreme.

This person I know is a colleague of mine. He loves money more than his life. The idea of ??saving money is deep in my heart.

Wash your hair and clothes in the workplace.

Before I go home, I drink another bottle of water.

I never eat breakfast, saying that I just need to eat two meals a day.

I went to the city once, 60 kilometers, by bicycle. If the bus fare is only 10 yuan. Just to save these 20 bucks.

Every day at lunch at work, everyone is so hungry that they want to hold on to the wall and walk. He said that he would eat less when he got home in the evening and save money.

In fact, I was speechless. Naturally, as time went by, I became sick. All the money saved was given to the doctor [face covering]

A friend of mine owns a car and a house, and her husband is a manager in a factory, with a monthly salary of more than 10,000 yuan. The friend also opened a children's shoe store, earning an income of Quite a bit. This can be said to be a high-income family in our small county in a fifth-tier city. But knowing her, I don’t envy her at all, but rather sympathize with her!

Why do you say that about her? Because she is a money saver, her husband's salary is stuck in her hands, and she only gives him a few hundred yuan of pocket money every month, and saves all the rest!

As for herself, she squeezed herself to the limit and deposited a sum of money into her bank card regularly every month! Everyone in business knows that business is seasonal, sometimes it is good and sometimes it is bad. How to save money when business is not good!

But she was able to save money, because she was in charge of family expenses. When business was not good, the whole family went on a vegetarian diet and deducted her husband's pocket money, the children's pocket money, and even the children's purchases. Money for clothes, and money for study materials!

As for herself, she was even more extortionate. When purchasing goods, I went there with her several times (I sell clothes, so it’s safer to go in the car together). She basically didn’t buy anything in the morning or at noon. Those who were eating, because food was expensive there, were really hungry and couldn’t bear it, so they bought two steamed buns to eat. You have to know that when shopping for goods, you have to walk all the time and sometimes have to carry some things, which is very tiring! It’s incredible to think about it!

Not to mention other things, she could not buy more clothes or shoes for several years, and she bought the cheapest daily necessities.

Now, after saving money for more than ten years, her conditions are already very good. Not only does she own a car and a house, but she also bought several large storefronts on the pedestrian street!

But because of her excessive saving, her health is not good. She is always sick and takes Chinese medicine from time to time. For a person in her forties, she is 1.65 meters tall and only weighs over 80 kilograms!

The relationship between husband and wife is also very tense. They have been divorced several times. My husband feels that he lacks everything now and can enjoy life occasionally. However, he has been saving money for a long time and his friends are reluctant to spend a penny. Even when he buys medicine, he always buys the cheapest one! How can you be willing to enjoy life? The relationship between husband and wife is becoming increasingly tense.

What makes my friend even more troubled is that her son is in high school, and it seems that he spent a lot of money to get there (the couple had a long quarrel over the money for their son’s high school education), and he is very introverted. I don't want to talk to others, I have a bad temper, and I feel very low self-esteem!

Therefore, I think saving money is a good thing, but saving too much may make you fall into the habit of excessive saving, which will be difficult to extricate yourself and seriously affect your family's life.

My sister’s mother-in-law is a person who saves money excessively. Thirteen years ago, they could be said to be one of the top people in the village. Thirteen years ago, a family was very wealthy if they could only spend two to thirty thousand yuan. , but they had at least more than 400,000 yuan in deposits at that time.

Twenty years ago, when my brother was young, they built buildings early and became "rich" in the eyes of others in the village. Later, my sister and brother got married. The second year after marriage. My sister proposed to buy a house in the city. At that time, housing prices were very low, and one could be sold for 400,000 yuan. However, my mother never agreed, so they had a big fight. In the end my sister failed. Later, my sister found out the reason why she was still reluctant to buy a house: she was afraid that my sister would run away with her family's money. If we get divorced, half of the house will be given to my sister.

Later, my brother proposed to do business and wanted to open a clothing store. It requires 100,000 yuan. However, they only have 10,000 quick cash in hand.

So my brother and my mother discussed investing 100,000 yuan in him. But my mother never agreed. She feels that doing business is risky. What if she loses money? She cannot do business. Money should be saved and not spent.

With no choice, my sister and my brother had no choice but to go out to work. The money they earned had to be taken home and given to my mother for her to keep.

How can my mother be so obsessed with saving money?

She has a small vegetable garden, which is full of vegetables. She never goes to the street to buy vegetables. Save all the money you save.

She said she doesn’t like eating meat, so she never buys meat. When my brother buys meat, she always says it, but eats it more than anyone else. When making a table for a feast, we always pick up meat to eat.

When the children wanted to eat ice cream in the summer, she never bought it. She made her own mung bean water for the children to drink.

Children always buy bigger clothes rather than smaller ones. A coat should be worn for at least 5 years.

She saved all the money she saved.

So how much money did they save by saving like this?

Thirteen years ago, my mother’s brothers and sisters all bought houses in the city, but she was the only one who didn’t. Now a house can cost at least 1 million. She is the only one who still owns the building built by her family more than 20 years ago.

Since there is no business, my sister and the others can only go out to work. More than ten years ago, their wages were very low and they didn’t have much money to save. In recent years, their wages have increased, but they only earn more than 5,000 yuan a month. Money, minus the expenses for two children. The salary of two people has to support four people, and they can't save much money.

Because she saves money too much and is too frugal, the relationship between my sister and her is not very good, and conflicts between mother-in-law and daughter-in-law occur frequently. He is unwilling to eat or drink, and he does not give food or drink to his children. The two children were pitifully thin. My sister talked about this many times and they often quarreled over this issue.

I feel that it is very bad to save money too much. It will develop a habit of being overly frugal. Old people who are used to being frugal may feel that there is nothing wrong with it. But the daughter-in-law has not experienced the hardships of that era, and they cannot understand it. Over time, conflicts between mother-in-law and daughter-in-law arose.

Excessive frugality is not good for children. Children are growing up and not being willing to let them eat is not good for their health.

What do you think?

According to my observation, most of my friends who have the habit of saving money are in this state:

Spend wisely and pay attention when buying things. Cost-effective, you don’t need to borrow money to buy big items, and you can even pay it off in one go;

Work hard to earn money, and you don’t have to worry if you become unemployed. At least you don’t have to worry about living expenses during the half-year gap;

Clear financial planning, money to honor parents, daily savings, and money for future marriage, car and house are all arranged in an orderly manner;

Live a calm life, have a stable mentality, and will not be too worried when encountering some financial problems. Panic.

In short, compared to the moonlight people and the debt-ridden people, people who have the habit of saving money obviously have a more stable life and have a stronger ability to resist risks.

Some people may say: Prices are so high now, and the money saved after a year of hard work is not enough to buy a house of one square meter. Saving money is meaningless. It is better to enjoy life in time, which can also improve the quality of life.

To be honest, I had this kind of confusion before, until a friend of mine shared her experience of saving money and turning around. I changed and became more interested in saving money. Not only did my quality of life improve. , the happiness index is also rising!

There is a boy in the village who has played with me since childhood. His parents really like to save money. It can be said that they are reluctant to eat or wear clothes. They spend their whole life just to save more money and build houses for their two sons. , get a wife!

In order to save money, Faxiao and his brother grew up wearing clothes bought from other people. Throughout the year, the whole family, except for visitors during the Chinese New Year, went out to buy some food, and they didn’t get much food at all!

Some people say that the land can be planted a little, but they have never grown vegetables in the land, because the land where vegetables can be grown can produce more crops and sell for more money!

When Fa Xiao was in junior high school, I was in the same class. We had holidays once every two weeks. My living expenses were 30 yuan, while Fa Xiao’s living expenses were 25 yuan, 24 yuan for meal tickets, and 1 yuan. Money learning tool! Many times I saw Fa Xiao swallowing silently while watching others eating snacks!

Later, when Fa Xiao graduated from junior high school, he went out to work, got a girlfriend, and his parents built a house for them in advance! They got married successfully!

But not long after they got married, Fa Xiao got divorced. The reason was that Fa Xiao’s wife felt that Fa Xiao’s family was too impatient and reluctant to buy anything. Many times when she bought something by herself, her family criticized her like a landlord. Own!

What’s more important is that Fa Xiao’s wife can’t stand the living habits of Fa Xiao’s family. She has to save on everything, buy cheap food, buy clothes at the cheapest price, and even buy medical treatment. The cheapest medicine, going out for a meal is simply impossible!

In the end, Faxiao got divorced!

Similarly, Fa Xiao’s brother’s marriage did not last long and he also got divorced!

My parents still haven’t figured out why their two sons got divorced! He always complains about his family’s bad luck and misfortune!

As everyone knows, it is the words and deeds of their parents that cause their children to develop the same habits as them, excessive frugality and excessive saving!

My aunt has gone crazy in order to save money. She did save a lot of money, but it was all cheaper than other women. The money she saved between her teeth was used by other women to eat, drink and have fun. My aunt is the kind of person who saves money excessively. She is reluctant to eat, drink, and even buy milk and meat for her children in order to save money. They eat vegetables all year round, and her son is crying when he wants to eat pork ribs. She is not willing to buy them for him to satisfy his craving.

Her cousin is already in high school. She also went to her relatives’ houses to pick up clothes that others did not wear for her cousin to wear. Moreover, the clothes she picked up were not suitable for her cousin’s age, which made her cousin angry. Wiping away tears. My mother couldn't stand it anymore. Whenever the season changed, she would take her cousin to the mall to buy them from the inside out. The conditions of her aunt's family are very good, and her uncle is also very profitable, but once the money is in her hands, she is not willing to take out a cent. When my aunt was in her 40s, she got sick and passed away. It started out as a minor illness, and I was reluctant to spend money on treatment. After a few years, it became serious. At the end of the day, I was still worried about the cost of medical treatment. As a result, not long after she left, her uncle brought back a woman. In fact, when my aunt became ill, my uncle already had a woman outside. After my uncle married this woman, she played mahjong, had beauty treatments, and traveled every day. She was as happy as she wanted.

When my poor aunt was sick, she was not even willing to stay in the hospital. In the end, all the money she had worked so hard to save was used by other women to eat, drink and have fun. It was really not worth it! Personally, I think saving money is a good thing, but you shouldn’t go too far. Don’t lower the quality of life of yourself and your family just to save money, especially if you don’t treat your children badly.

I have a friend who saves money excessively. He is very frugal. He has been very frugal since he started working in the early 1990s. No matter how much his salary has increased, he plans to spend every month anyway and tries to save money. And financial management, now I am worth more than ten million, and my life is getting better and better.

This friend graduated from college in the early 1990s. After graduation, he tried every means to save money. At that time, my friend’s unit was very profitable, with a monthly salary of about a few hundred yuan. Sometimes there were bonuses of thousands of yuan for good performance, but my friend did not Spend more money, but save all the money. In about one or two years, I saved about 10,000 yuan. Later, I started investing in the stock market. Later, when I had money, I also invested it in the stock market. Then about 2000, my friend started investing in the stock market. The market value of the stock market is more than 100,000 yuan, which is several times higher than the original investment.

After 2000, a friend moved to a new employer in a second-tier city, and his annual salary rose to about 200,000 yuan. However, his consumption did not increase, and he still maintained a low consumption and continued to save money. Around 2005, this friend bought a house. Later, his salary increased to more than 30,000 to 400,000 yuan, but he still maintained the habit of being frugal. Later, around 2008, he bought a domestic car worth 100,000 yuan to drive. I continued to save money, and later took out loans to buy two houses in 2009 and 2010.

Up to now, my friend’s salary has been maintained at about 400,000 yuan a year. The real estate loan has basically been paid off, and he has replaced it with a domestic car worth about 200,000 yuan. Moreover, through saving money and managing money, my friend has also made money. I have a deposit of about 3 million yuan, and now my total assets have reached more than 12 million yuan, of which the real estate value is probably more than 9 million yuan. I have basically achieved a life of wealth and freedom.

My friend is now about 54 years old and has six years left to retire. The total assets are 12 million, three houses, and 3 million in deposits are invested in long-term high-dividend blue chip stocks in the stock market, which will pay dividends of about 6% every year. This is 180,000 yuan, plus an annual salary of about 400,000 yuan per year. This life can be said to be Pretty good. However, my friend does not spend lavishly, and still maintains the habit of saving money. His annual consumption does not exceed 100,000 yuan, and his annual new investment in the stock market is no less than 400,000 yuan. My friend predicts that when he retires at the age of 60, the stock market will probably It has a market value of more than 5 million yuan, and the annual dividend income is no less than 300,000 yuan. In this way, friends’ lives may become better and better.

To sum up, people who save excessively will generally live quite well if they work hard and manage their finances prudently. If the opportunity is right, it is possible to achieve financial freedom earlier, which may allow My life is getting better and better.