The poorer you are, the more you buy, the poorer you get, and some people like to spend money indiscriminately even though they don't have money.
Although money is not saved, but spending money indiscriminately is definitely not saving, when you have not found a good way to open source, you must first learn to throttle, rational consumption.
People who can't take out 1,000 in their pockets are easy to fall into a consumption circle, when they buy things, they are greedy for small profits, love to show off their wealth, and often fall into the dilemma of getting poorer and poorer the more they buy.
The "4 things" that poor people like to buy the most.
01. Buy a bunch of useless small kitchen appliances
I love life and like to lie flat, so I buy a bunch of small household appliances.
When you buy it: "It's definitely going to work".
After buying it home: "It's really an IQ tax".
Then it was left in the corner of the kitchen to eat ashes......
For example, breakfast machines, wall breakers, air fryers, ovens, coffee machines, bread machines, electric baking pans, etc., who hasn't bought a few?
These household appliances are expensive and impractical, so imagine getting up in the morning and making breakfast without hurrying, and then washing up and enjoying it perfectly before going to work.
In fact, I don't get up until the last minute every morning, wash up casually and go out, so I don't have time to cook.
Netizen @ a lemon said that a bunch of small kitchen appliances were planted by the network map, and the sisters on the Internet were particularly diligent, virtuous and capable, and wanted to learn a little, and then followed the trend to buy it home and used it once or twice before it was idle, which was too troublesome.
In fact, many of the pictures on the Internet are posed, or from the actual needs of your own life, there is no need to buy it.
Do more homework before buying, the number of times a small household appliance with a single function is only a handful, and ordinary families have a steam oven, or air fryer, microwave oven, which can basically cover daily needs, and the rest can be abandoned.
02. Buy top-of-the-line electronic products
Electronic products are updated very quickly, the year before the fourteenth, last year's fifteenth, this year's October on the sixteenth, many people as soon as the new model is replaced.
Some people blindly follow the same style of celebrities, and they must take it, and some people think that the expensive one is the best, and they must buy the top match.
Electronic products, in my personal opinion, are enough.
A friend has used a mobile phone for 6 years, and many people don't understand, why hasn't he changed it?
Once when it came to this problem, he said that the performance of the mobile phone is fine, and it is the same as the new mobile phone, so why change it.
In fact, buy the right is not expensive, electronic products will not have any subversive technological innovation after upgrading, the depreciation after buying is super fast, the freshness is just that moment, there is no need to change for the new style.
If you buy it, you will be ready to replace it for 3~5 years, take care of it when you use it, and try to stick the film with the shell.
03. Take out a loan to buy a big house
As the saying goes, you can eat as much as you have the ability, a salaryman, with a fixed salary of tens of thousands, but has an obsession with a big house, and you have to buy a house beyond your ability, then, from the moment you get the house, you will be anxious and regretful.
If you need to scrape together to get a down payment on buying a house, you really have to think again.
For example, netizen @Lingsister said that she bought a house in 08 with a mortgage of 1.8 million, and then YQ came, the income decreased, the house price collapsed, although she lived in it but the pressure was very high, and then her teammates were fired by the company and had no income.
I feel that my life is over, I feel that I am so tired, I can't eat well, I can't sleep well, my mind is full of money to be repaid, and I am afraid that the person who collects the money will call my parents and friends, and I will pay this back, and I forget to pay back that, I am afraid that it will be overdue.
Working 30 days a month, I don't dare to take vacations, I dare not leave my job, I don't dare to get sick, I just want to work hard to earn money every day.
To be honest, mortgages crush many people, and when buying a house, only the moment of making a down payment is happy, and the time waiting for a new house to come down can be very painful.
Bank loans every month, if it is a mortgage of more than 10,000 per month, several thousand of it are bank interest, so in the current environment, you must be cautious when buying a house.
04. Buy a luxury car for the sake of face
The car is just a means of transportation, when you get it, for example, the car you bought for 500,000 yuan today, and you don't want it tomorrow, it will immediately depreciate by 20%, and you can only sell it for 400,000.
Buying a car should be bought under the condition of their own economic strength, especially young people who have just come out of society, newborn calves are not afraid of tigers, often start to take out loans to buy cars with half of the down payment, and the salary of 5,000 yuan per month will cost 2,000 yuan to repay the loan.
A friend borrowed money to buy Mercedes-Benz in order to marry his wife, and only earned a little a little a month.
After buying a car, there are still problems with car maintenance, such as car maintenance, car insurance, fuel costs, parking fees, etc., tens of thousands of dollars a year.
Therefore, if your own conditions are not enough, don't buy a luxury car, buy a car that suits you according to your own ability, and it is best to buy a car in full, even if you don't buy a car?
In fact, the transportation is very convenient now, you can choose the subway, bus, online car-hailing, taxi, etc., the price of the car ≠ worth, don't let the car define you. #理想家生活#