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Some time ago, I told my wife that when we pass this difficult period this year, we will also begin to learn financial management. My wife said, yes! Living at home should be carefully calculated. I asked a colleague about financial management these days, and he told me an example. If your monthly income is 10000 yuan, spend 9000 yuan and deposit 1000 yuan; Another person’s monthly income is 5000 yuan, spend 2000 yuan per month and deposit 3000 yuan. So do you think that person’s income is high? His answer is the latter. This should be an idea about financial managers. Let’s not discuss whether his statement is correct, but from the perspective of financial management, at least personally think that we still agree with the second-place approach. Of course, there will be many people who agree with the first approach. Many things can only be straightened out, and our thinking will be clear. Therefore, it is natural to make money. From the first point of view, we tentatively consider them as realistic hedonists. This definition has no derogatory or commendatory meaning, and his discussion in this article belongs to neutral words. What this kind of people care about is the quality of our own life at present, so there are also such people in our life who start to cry for poverty after getting paid at the beginning of each month, it will continue until next month. Although they are crying for poverty, their life quality is particularly high. What they wear is brand, what they pay attention to daily necessities is fashion, and what they eat is high-end hygiene. Can you say that this kind of people live a luxurious life? Why do they say that their life is luxurious? They also use their own hands to get rewards through hard work. How to use it is their right. This is not called Luxury. It is a pursuit of high-end life. It is always good to pursue, as long as you are willing to work hard. But one thing, I want to clarify my personal point of view separately. Even if each of us has the right to pursue a high-end lifestyle, we can also have such a life attitude, but don’t develop such a living habit. If one day we regard living high-end life as a habit, we will compare and envy. This kind of life is not pursuit, but addiction. We pursue a high-end lifestyle, but we also need to learn to be proud of our head in ordinary life. The real high-end life can be grounded in any field. From the perspective of the second kind of people, we can say that this kind of people are preparing for a rainy day, or they are prepared. The lifestyle they are most accustomed to is playing safety cards, thinking about the way to retreat for themselves in the future, and this kind of people will not force themselves to a dead end. They don’t pay attention to the quality of life in front of them. They think clothes are used to avoid cold and hide ugliness, food is used to fill the stomach, and daily necessities are convenient for life. So as long as there is it, no matter new or old, no matter rigid or fashion, let alone the image. Maybe we will say that they are stingy. Why do you say that they use what they earn and follow their own path, without causing losses to others. This is not stingy, but they are good at preserving their own strength so that they will not force themselves to death at the most critical moment. Of course, because of this, we can not strictly demand other people around us, let alone have unnecessary disputes with relatives because of such things. Money is earned for spending. We can manage money or save money, but we can’t call it family conflict. It will be smooth if you put it in a reasonable way. The kind of person you are will naturally tend to that kind of person. But at the beginning of the article, we talked about living at home. Now that we want to live, what we consider is not the couple, but the whole family in the future. Of course, financial management is necessary. We all want to live the life of the first kind of people, but we also need to have the mentality of the second kind of people. The first is our pursuit, and the second is our mentality. If we still work hard, we should have the right choice for ourselves. But don’t forget our pursuit. Many things can only be made rich if we straighten them out. Zhang Pengchao likes the snow in spring on December 20, 2014 (prose editor: Jiangnan wind) Spring elimination snow, multi-the yao nian, unspoken. Reading from afar, it is just above that snowfield. The snow is really beautiful, after all it is spring… Waiting Waiting is a kind of persistence, sticking to a certain belief and never giving up. 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