I was able to save money when I was 5 years old. I saved money to give the fortune teller to change my name.
You may not believe it, but my family was very poor, so I knew I had to save money at a very young age. I saved the New Year’s money and the change left over from buying things for my parents. Remember. I saved 12 yuan. Because my name is not nice, I have always been dissatisfied with my name. One day, my mother suddenly said to me, my son, take the money you saved and use it for fortune-telling and give you a name. Then I took my money to a fortune teller. Based on my birth date, the fortune teller said that I was destined to be short of water, so he gave me a new name for ten dollars.
Later when I grew up, I also knew how to save money when I was in junior high school and high school. Since my family was poor, I didn’t want to spend it. Sometimes I would use the dozens of dollars I saved to buy some daily necessities for my family. .
Later, when I went to college, I often worked part-time jobs. I also had some savings and won a scholarship, but I was still reluctant to spend it. Later, I told my parents that I had some savings, so I didn’t ask them for living expenses.
Later, after I graduated from university and started working, I saved money from work, paid agency fees, and went to Singapore to work. Later, I saved all the money I earned from working and used it to give gifts to my wife and to marry my daughter-in-law. . Haha, all the money I saved is spent to marry a wife.
The money saved after marriage is used to buy a car, a house, and have a baby.
This is what I share with you, my experience of saving and using money from childhood to adulthood.
Many people have started saving money since they were students, but I am one of those people who will definitely spend it all after their salary is paid. Shopping, traveling, parties, giving gifts...etc., there are so many places to spend money.
After getting married, I felt humiliated and uneasy when asking my husband for money, so I made up my mind to start saving money. After having a child, money is really free. The cost of prenatal check-up and delivery is 10,00, and the early stage of milk powder, diapers, etc. are also a lot of expenses a month. At that time, my husband and I had no savings and had to pay rent every month. Fortunately, the child is born in good health and does not get sick very often, and then breastfeeds later, so the expense is not too high. When my baby was two years old, I started to go back to my hometown to be taken care of by my grandma. I quickly found a job and worked hard to make money. During this period, I spent money a lot more sensibly. Later, when my child was about to go to kindergarten, I personally felt that I still had to buy a house. If I buy a house, I would have a stable home. In addition, my children needed a household registration to go to school, so I gritted my teeth, borrowed money here and there, and finally scraped together enough money for the down payment. Fortunately, I was forced to buy a house a few years ago, but the current price is simply unaffordable.
After a child goes to school, investment in education is also a huge expense. Learning Go, piano, painting, English, etc., and various interest classes cost a lot of money, which is completely impossible to calculate. It is simply terrible. This investment increases as the children get older.
With the continuous improvement of living standards, no matter how high the cost of your children is, you should spend it on them. For yourself, you should be frugal and do your best to give your children the best! As parents, we work hard and make money just to give our children a better life.
My family has taught me that money is not easy to make since I was a child...
So I learned to save money when I was very young. When I was a child, my grandfather gave me 80 yuan as a gift during the Chinese New Year. I gave 50 yuan to my parents and left the rest. Spend the next 30 yuan on your own! After the Chinese New Year, I still have 20 yuan~
The monthly living expenses in high school were 400 yuan, and I saved 200 yuan a month. I can just eat meat and vegetables every day.
In addition to traveling in college, I only have 600 yuan a month for living expenses in school. I basically have no money saved for college because college living expenses are not provided on a fixed basis. I only ask my family for money when I have no money! Of course, my mother will usually take the initiative to ask me if I have enough money...
My ability is average. After graduation, I worked in Shanghai, and I only spent 200 yuan a month on food and accommodation in the company... Later, I met my girlfriend, and it lasted three days. Give me 10,000 yuan to buy cosmetics...but I am willing to spend money on my girlfriend. It’s 7,000 a month in Shanghai!
Now I work at home. I only spent about 1,000 yuan a month on my initial salary of 3,000 yuan a month because I have to maintain a car...and rarely buy clothes. Now my salary has doubled but my expenses are much higher. It’s over 3,000 yuan a month. Because I want to tidy up and prepare to find a partner to get married. I don’t want to be wearing only 200 yuan worth of Taobao products and no quality~
I have only saved 120,000 yuan after working for 4 years... It is quite difficult to save money, because when I have more money, I want to spend it... various favors, friends and classmates getting married, etc.
In fact, my family's conditions are not bad... I have two houses in the city and one car. If I get married, I can buy another car worth 200,000 yuan... But I don't plan to change it because I don't think it is necessary now... I just got a job. When I was young, I always wanted to change my car...
I was very frugal, and my colleagues were surprised, saying that not many young people nowadays are as frugal as me! I save but I don’t pick it up! My girlfriend doesn’t save any money where she should spend her money! I also often travel...self-driving tours and the like...
I only learned to save money in my third year of high school!
Maybe many people have their own piggy bank at a young age and will put some of their own New Year's money in it. Because I am the youngest in the family, my financial power is usually in the hands of my sister. [Wit] When I was little, I gave all my New Year’s money to my mother for safekeeping. When I went to school, because I went to the same school as my sister, my living expenses were kept by my sister. At that time, I just ate whatever I wanted every day without thinking about it. I wanted to save money. When I was in my third year of high school, I only went back once a month. I just thought about buying some food for my family to take back. Then I started saving money. I saved some every week so that I could buy something to take back when I went home. After we grew up, my mother no longer cared about our New Year's money, and she wouldn't take it if we gave it to her, so I could save some of the New Year's money every year. At that time, I only saved money to buy something for my family. Food, buying clothes for parents, very simple ideas.
It has been several years since I started working. Although I don’t spend money lavishly, my monthly salary is not much, so I haven’t saved much money. Now I save money so that I can start my own business. It adds to the burden on the family because my parents are working too hard and they just want to save more money so that I can do what I want to do and live the life I want, so that my parents can be more relaxed.
I started saving money from the first month of my job, and I didn’t save much in a month. Later I found that I saved less and less every month. Maybe it’s because I have money and confidence, and I spend more money. Get up as you please.
When I saved it in March 2019, almost three years ago, an accident left me with nothing. I felt miserable and had to start from scratch again. I have been saving for another month now, a little bit.
When I first wanted to save money, I didn’t think about why. I just saved money just for the sake of saving money, because when you have money, you feel safe, especially when you live alone outside.
Later, I started saving money for a purpose. I wanted to buy a car and a house, I wanted to travel, and I wanted to tell my parents that I could earn money to support myself and them without getting married.
It’s so sad. My money, my three years of hard work, disappeared in an instant.
I started working officially in 2010. The real idea of ??saving money started in 2015. I saved money to buy a house and get married. Because I wanted to have a home with my then-girlfriend, my heart was no longer so wild, and I wanted stability. My ex-girlfriend, we were in the same class from the second grade of junior high school in 2006 to January 3, 2018. We have been together for twelve years, carrying my entire youth.
From 2010 to April 2014, because I had no skills and no diploma, I had been working in a factory in Shenzhen. During this period, I worked as a courier for half a year. Later, the courier point was transferred. So I resigned and stayed at Foxconn for three years. During this period, my monthly salary was only three to four thousand yuan. I sent 1,500 yuan home every month. The rest was enough to last until my salary next month without borrowing money. Life is already pretty good. How can I save money? There is no concept of saving money because it feels too far away.
I left Foxconn in 2014. By chance, I got involved in the Internet e-commerce industry. Until now, I am still in this field. I can be considered a freelancer. I mainly have free time and do not need to work 9 to 5, but The working hours are also relatively long, and the hours are linked to the income. I started planning to get married in 2015, and my income was not bad at that time, so I slowly started to save money. I earned a lot, and spent money lavishly, which was a bit bloated. My girlfriend at the time was in charge. It is quite strict and strictly requires a fixed deposit of 20,000 yuan every month, so by 2017, the deposit was about 700,000 yuan in two years. Then I bought a house in my hometown and paid the down payment. In September of the same year, my girlfriend felt unwell. , cancer was detected (I had abdominal pain for a period of time before, I went to the hospital for a check-up, and the doctor said it was gastroenteritis). The pain became worse and worse, so I was worried that it was the appendix. When the doctor performed surgery, he found a lesion after incision, and the test results showed that it was cancer, and it was in the middle of the appendix. It's late. At that time, everyone was confused and couldn't accept it. They thought it was a misdiagnosis. The wedding date and banquet had already been booked. They thought that they would be discharged from the hospital soon after minor appendix surgery and then hold the wedding.
Unfortunately, as luck would have it, she was always by your side during this period. At around 8pm on January 3, 2019, she left. I came across this issue by chance, and I started writing about it as I thought. I saved money for her in the first place, and it was only through her supervision that I could save it, otherwise I would probably lose everything. We have been together for 12 years, but I regret that we cannot grow old together.
I started in 2009. I was afraid of poverty when I was a child, just to have a decent family. When I was a child, my family was very poor in the village. I can’t blame my parents, because my grandparents left the house and property when we separated. My uncle was given a pot of rice and three bowls, and the family was given a pigsty. The pigsty was built by my father, so there was nothing. I was not given a bowl, so my father and my grandfather made a fuss about it. I was also beaten by my grandfather. When I was a child, I would be locked at home without anyone to take care of me. I would go to the brick factory to play, but I would not leave. Sometimes I would fall asleep when I was tired from crying. In winter, my brother and I would fight over the quilt, and we had no clothes. I went home not to do homework but to do farm work. When the kerosene lamp ran out, I lit a fire to do homework. If I couldn't finish it, the teacher would beat me the next day. I was the only one in the whole village who was miserable. Who would believe that I, a born in the 1990s, would be so miserable? Later, my family was poor. I failed to graduate from high school and had to work part-time. It was so miserable to be alone in Suzhou. My health is not very good now. In the past, people in the village bullied my family. Now there is no one who does not envy our family, or even respect it. There was no one before. My family is small and poor. It leaks even when it rains. I use a basin to catch it. Now if you walk with your eyes closed for a minute, you won’t fall. The house is the widest and most beautiful in the village! But now those guys who bullied my family have money and no land, and they are so jealous that they are bleeding!
I graduated in 2015 and found an apprenticeship in the beauty industry. The salary was not high at first, only 1,000, so I didn’t save any money for the first year after I started working. I spent all my time studying. Until the winter of 2016, the business was good. I started saving money only after my salary gradually increased. Almost two-thirds of the money was saved to go home to my parents every month. Because I still have two younger sisters who are still studying and the family needs money, so I When you go out to work, you generally don’t spend money randomly. Because I don’t have many friends, my job provides food, accommodation, and work clothes. I rarely buy clothes outside, and the most I buy is snacks.
The purpose of saving money is 1. to increase living expenses for mom and dad, because the family is poor and only relies on income from the fields, and there are two younger sisters studying
2. I hope my sisters can go to good schools. The school can provide some living expenses. They have just enough food every week. They don't say how much they will give, and they don't dare to ask for more, so they rarely buy snacks.
3 Saving money can also help the family and reduce the family burden.
When did I start saving money? Taking a closer look at the past, the true meaning of saving money was after graduating from college, with wine and stories.
My mother applied for a card. Every month I opened my salary to set aside for daily expenses, and the rest I went to the bank to manually transfer money to her. At that time, the monthly remittance target was 2,000 yuan, and the word "responsibility" began to appear on my shoulders.
Why do this? Because it can increase my mother's psychological comfort, the remittance every month makes her feel that her children can survive outside, and she doesn't have to worry about me so much.
My mother didn’t touch a penny of the money she sent to her, and she later gave it to me when I got married.
There was income before this.
During the few years I was studying, the scholarships totaled about 10,000 yuan. It was not about how good my academic performance was. Because I didn’t apply for a good choice, the school I came to was very easy. Falling in love, working a part-time job, listening to lectures in class, having snacks at the end of the semester, plus some teachers asked me to help him with exam questions. When I was a student, my passion and enthusiasm really carried me with me when I walked. I always like to participate in various school activities, and I get a lot of bonus points in the comprehensive evaluation, so it is easy to get a first-class scholarship.
In addition to falling in love, I would do different part-time jobs every semester: odd jobs at KFC, supermarket promoter, etiquette clerk, order issuer. Counting scholarships, my annual income during my student days was an average of 3,000 yuan. I have forgotten how I spent all this money. The most impressive thing is buying a Dell computer.
So after the salary is actually paid, remitting money to my mother will give her psychological comfort and let her do whatever she wants; on the other hand, I can save money, because I am really afraid that I will not know where the money is spent. Although the money is not much, it is already difficult compared to peers.
After saving money, I will be even more cautious about spending, and I won’t spend what I can’t afford not to spend. Fortunately, the house I rented at the time was an old house shared with my colleagues. The rent plus water and electricity bills was 700 yuan every three months. It is located in the first ring of Shenyang City, in the Taiyuan Street Commercial District, near Shenyang Station, and only three stops away from the workplace. During the same period, most of my classmates and friends rented a house and paid 5,000-6,000 for half a year.
In addition to rent, most of the expenses are meals, and the only thing I can save is dinner. I bought a rice cooker to cook porridge, and bought some cakes, steamed buns, or pies at night. They are so delicious. Good deal.
For daily clothing expenses, buy the clothes you need after your salary is paid every month. Basically, don’t spend anything you can’t afford. When a person is out in the field and doesn’t have much money in his hand, he really has to think twice about recharging his phone bill. Only those who have experienced it can deeply understand the pain, because when the money saved to my mother is needed, I can’t ask for it, I can only break it. Live life on your fingers.
Saving money is not just money, it is a person’s faith and persistence.
It must have been just after the New Year this year. I am thirty-three this year. I really didn’t think about how to save money in the past. Just last year, my mother was sick and had an operation. When she was hospitalized, she paid 50,000 yuan. I was dumbfounded at the hospital bills and felt so helpless. I used to be a moonlighter with nothing to do. I couldn't save money with a salary of several thousand yuan a month. I had two children and my wife didn't go to work to look after the children at home.
I started looking for part-time projects just after the Chinese New Year. I also wanted to drive a logistics truck, a small blue-brand car, but logistics companies have to provide drivers, and they must be in their company. Buying a car costs hundreds of thousands of dollars, which is a huge sum of money for me. I gave up. I am a coal miner and have no other skills. Apart from being able to drive, my other skills are mining. The ability of coal is gone. Later, through the introduction of friends, I started to promote bulk liquor. The profit was quite high, but it was difficult to promote it, especially for a sales novice like me. Anyway, in two months, I had promoted it to more than a dozen restaurants, which was considered a small business. Be successful.
As for saving money, it was simply impossible for me as a coal miner to support my family with a salary of three to four thousand a month, and to save money, so I had to find a part-time job and rely on it. I don’t have much ambition to earn more money part-time. What I want is to make money so that my parents can enjoy themselves and my wife can buy clothes without first looking at the price tag before considering whether to buy them or not. When her children ask for toys, When my parents are sick, I don’t buy them for my children because I am short of money. When my parents are sick, I go to the hospital with money and no longer borrow money from everywhere. Whether it is saving money or making money, we are all here to make life better for our families. better.