I heard from the older generation that they used to be frugal because of material scarcity, but now we have abundant material but we re-advocate thrift. Do we have enough money? Is our energy insufficient? It is undeniable that we live in a materialistic society. The more people contact, the more eager to pursue more material enjoyment, and it becomes more and more difficult to satisfy. my country's national conditions are large population, relatively poor resources, fragile environment, and weak endurance. From a macroeconomic perspective, the Chinese government strives to advocate the development of a conservation-minded society, and continuously implements corresponding measures such as protecting arable land, advancing scientific and technological development, encouraging resource-saving new technology patents, improving systems, and increasing efficiency. At the same time, individuals should also be responsible for their families and individuals, establish and maintain a sense of conservation, and gradually form a conservation-oriented financial management concept.
It is often the case that many white-collar workers in the workplace have considerable income and live a splendid life. At the end of the year, the disposable cash on hand is not saved, and there are even "young people". A very important reason is that most young people lack the sense of frugality, spend money lavishly, and have no planning for financial management. In contrast, most of our grandparents have average incomes, but they live frugally and know how to manage money, and they have saved a lot for decades.
In European and American countries on the other side of the earth, Americans’ "grabbing with food" led to a serious subprime mortgage crisis, which evolved into a financial crisis, and the economy fell into a trough, not only harming themselves, but also affecting the world economy. Nowadays, the prevalence of consumerism affects many Chinese people. Some of the consumption of many people is not actually a life need, but only to satisfy a psychological desire or vanity. And consumption expansion beyond the scope of one's own economic capacity will inevitably damage the normal financial balance of payments. According to statistics, 70% of white-collar workers have unhealthy consumption habits. The main manifestation is "moonlight". If the household’s various consumption expenditures are too much, there may not be more spare money to invest, and so cannot To realize the effective appreciation of family assets, the pace of buying a well-off life is slow. If you want to change this situation, you must plan your life. It is best to divide your monthly daily consumption expenditure into three items: basic living expenses, necessary living expenses and additional living expenses, and develop a good habit of keeping accounts. Doing so will help sort out the daily expenses of the family, reduce unnecessary expenses and save money, thereby accumulating more cash for other investment and financial management projects.
The current financial crisis is raging, inflation is fierce, and many companies are also facing layoffs or even bankruptcy. Jobs are precarious. White-collar workers who looked promising yesterday may suddenly lose their jobs and their financial resources the next day. People have no foresight and must have immediate worries. Therefore, in the long run, if you want to easily cope with the potential personal risks brought about by the economic crisis, you must start from now on pursuing the values of economy and maintaining healthy consumption habits.
As a result, some people began to choose another way of living in advance, and began to advocate new frugality. New frugalism originated from abandoning excessively gorgeous decorations and various trivial functions, and emphasizing the beauty of simplicity to guide the secular life. After being extremely luxurious, he began to return to basics. When the swelling desire can no longer satisfy people's hearts, it begins to fade, until all the extra things are discarded by the wrong way. Frugality is a virtue. We have consumed too much of the earth’s natural resources. The cumbersome and trivial desires have exhausted people’s energy, so we regained the traditional virtues and began to advocate simplicity. life.
In the past, living materials were poor and living resources were scarce. People were afraid of being poor. Therefore, to save every drop of water, every kWh of electricity, a piece of clothing could not "new three years, old three years, sewing and mending for another three years". Money can't wait to break a few flowers. The current frugality is a backwash against the extravagant and wasteful life. It is the pursuit of a simple fashion sense. It is an attitude that tries to simplify oneself and pursue a relaxed life in a fast-paced life by reducing the complexity and triviality.
What new frugality abandons is the excessive profligacy and waste of money and material. Facing the temptation of the material life, stay unmoved, do not follow the trend, but arrange life more rationally and love life. Every day you can take the bus and subway to observe the people around you more directly; choose a hiking holiday and experience the process and details of the journey with your heart. This is a gesture of life and also a kind of enjoyment.
New frugality advocates a simple life, but not at the cost of reducing the quality of life and reducing the full content of life, but removing unnecessary complexity and reflecting the authentic life. Not luxurious, not complicated, as long as it is simple and everything is simple, it is a kind of happiness and a kind of relaxation.
Don't take evil for small things, and don't take good things for nothing. There is no need to deliberately be frugal in life. The only thing that can be saved is to bow down. In fact, saving is in our daily small actions: turn off the faucet when bathing and wiping the shower gel, and one shower may save 50 liters of water; Only 0.5 liters of water is required, and if the tap is left on, 45 liters of water will be drained in 5 minutes, and so on. New frugality is a positive attitude towards life and a manifestation of the progress of human civilization. In fact, looking at the entire history of human development is a history of removing the rough and fine, gradually peeling off the extensive development methods, seeking more reasonable, more economical, more harmonious, and more in line with the sustainable development of ecological civilization.
Frugality is a virtue, and we need to reinvigorate good traditions.
Frugality seems to be difficult for women. They are always influenced by fashion, but fashion is always changing. No matter how hard you try to follow, it is difficult to keep up with the trend. Girls who admire gorgeous beauty, they want to lead the trend directly, so they think that the most important decoration will never be missing in their collection, and they will always catch up and follow, but they will never be able to enter the mainstream world and will always be trapped by reality. But there are always smart new thrifters who don’t have to buy clothes and dress up all day, and they can always capture the elements of fashion. It can be classic, it can be retro, or it can show the difference of DTY. In fact, frugality is as simple as that. It is the principle of life and fashion.
People often have such a misunderstanding, the so-called financial management is not money to make money, it is investment to make money. This is actually a narrow, metaphysical concept of financial management, and it cannot achieve the ultimate goal of financial management. In fact, financial management is to use money wisely and wisely to keep the financial situation of individuals and families in the best condition. How to firmly grasp every investment opportunity to make money, how to make better use of every penny, this is a science. Financial management is a kind of wisdom and a process of continuous learning and improvement. Financial management is a kind of life. Experience the happiness of financial management in practice. Financial management is not only the management of personal assets, but also an attitude to life. Money is sorted out bit by bit, and happiness is unearthed in ordinary life!
Learning to manage money is a kind of self-satisfaction and one of the ways to obtain happiness. In the concept of many young people, happiness comes from the need and pursuit of quality of life. Therefore, the new poor people pursue happiness first, and the meaning of life is enjoyment; the rational people are more stable and must be safe to live; the Zhiben people continue to challenge entrepreneurship, and live new ideas and excitement.
New poor: The new poor is not really without money. They are influenced by modern consumption concepts and enjoy life to the best of their ability. Most of these people are white-collar or gold-collar workers, with high education, decent jobs, and considerable income. But most of their money is used for sports, travel and other entertainment and leisure. They work hard, and they also work hard when they consume. They love themselves, pay attention to the comfort of life, understand the trends and flock to them, and are happy to appreciate the beauty of life in a different landscape.
Rational race: How should we deal with the relationship between income and expenditure? Financial experts recommend: Divide monthly income into three, one third of which is used for savings, one third for consumption, and one third for investment. The rational people can better grasp the degree of income distribution. They can often save, invest and consume effectively according to this ratio. Generally, they can live easily. The research on saving and consumption skills of the rational people has also made their income rise steadily. . Financial management is not stingy, not a miser, but consumption does not have to spread vanity. It’s the consensus reached by the rational family on financial management.
Knowledge tribe: Knowledge tribe has a higher income and more sources of income, and belongs to the high-educated and high-income group. But most of them are simple and focus on innovation. They have their own unique and risky financial plan-"venture investment". They use the knowledge storm to revitalize the funds, put the money back in the market, and use their insight into the market and the spirit of hard work to become their own bosses, making money grow faster. In fact, what Zhibens enjoy more is the joy and achievement of making money.
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