The air suddenly became very quiet.
Wang Yan looked annoyed, as if she had said something wrong.
Zhao Qianqian's face turned pale and she bit her lip. She wanted to say something but held back.
In her mother's eyes, she was indeed always extravagant. Although she wanted to change and boasted that she would save money, who knew if it was true or not before she took action!
There are two people in the family. One is very spendthrift and spends whatever he gets. The other one must be more frugal and save more, right?
In the end, it was because she lived too freely and carefreely that her mother had such a heavy burden. If she had 30,000 or 50,000 yuan in savings for emergencies, her mother wouldn't have to treat herself so harshly on food.
After figuring it out, Zhao Qianqian's face became paler and she forced a smile, "Then you have a good rest. I'll go back first and come to see you tomorrow."
"Hey——" Wang Yan wanted to keep him, but didn't know what to say.
She was happy to spoil her daughter because she enjoyed spending money. But she couldn't understand how young people today dared to spend all their salary every month. If it were her, she would never dare to do that.
Without savings, there is no sense of security. After the emergency, the savings are emptied, and then you have to live frugally and save some more. These simple and plain financial management concepts are deeply rooted in the bones and cannot be easily changed.
Even if her daughter didn't understand, she still wanted to do it.
**
While she did not treat the five thousand yuan as money and gave it away casually, her relatives were eating terrible meals in order to save five or ten yuan.
Zhao Qianqian felt so uncomfortable that she almost ran away from the ward.
As night fell and the lights came on, she looked at the lights of thousands of homes, feeling extremely confused.
A lot of things happened in the past few days, and she wanted to examine her life. But as soon as she thought about it, she would remember the examples of wasting money.
Then... my breathing stopped and I felt so heartbroken that I couldn't breathe.
Why was I so ignorant at the time?
Why didn’t I listen to Liang Yan’s advice when I was in college?
Why don’t you learn about financial management when your colleagues are chatting?
The remorse and regret mixed together and almost tore her apart.
Zhao Qianqian walked back in a daze, her mind was blank, and it took her half an hour to get home.
The room was pitch black and eerily quiet.
After work, she went to the hospital and walked home after leaving the hospital. It was almost seven o'clock and she hadn't had a hot meal yet.
In the room, the suitcases were wide open and there was no time to tidy them up.
After the trip, I got home when I received a call from the hospital. I stayed in the hospital for one night, consulted with the doctor in the morning, went back to work in the afternoon, and only returned home at this moment.
Zhao Qianqian suddenly felt as if she was in another world. Giving out red envelopes worth thousands of yuan, taking time off to travel, and buying souvenirs seemed like something that happened in her previous life.
Sighing, she resigned herself to picking up her phone and ordering takeout.
After packing my luggage, having dinner, and washing up, it was already ten o'clock in the evening when I was done.
Zhao Qianqian was lying on the bed, unable to sleep. She tried to call out, "Yunluo, are you there?"
"Yes." Yun Luo replied immediately. As he spoke, the little man appeared beside the pillow.
"Didn't you say you wanted to hibernate?" Zhao Qianqian was curious.
"It will go back to standby after six hours of sleep." Yun Luo said.
…She thought she would be dormant for a week or two.
Zhao Qianqian felt relieved. Then, she carefully asked, "I want to change myself and learn how to manage my finances. Can you teach me?"
"Okay." Yun Luo said.
Zhao Qianqian was overjoyed and jumped up. "Thank you! I will definitely study hard!"
"It's actually not difficult to learn financial management." Yun Luo leaned back on the pillow.
Zhao Qianqian quickly stood up, took out a pen and paper, and pretended to listen.
Yun Luo said in a deep voice, "The first step is to pick up the phone."
"Step 2: Open the search engine."
"Step 3: Enter 'How to manage money with a monthly salary of 4,000'."
“Step 4. Read all the information on the page.”
Zhao Qianqian, "..."
The hand holding the pen was trembling slightly.
Yun Luo continued, "If you feel you have mastered the basic skills, you can change the keyword search."
"For example, 'The rules of financial management', 'How to save money if you live paycheck to paycheck', and 'How can a novice learn financial management'."
"You can also search 'how much savings should I have three years after graduation'. Look at the current situation of your peers and use this as a motivator."
"Self-study?" Zhao Qianqian hesitated.
Yun Luo told her, "You don't know anything right now, you don't know anything, you have to start from the basics. You can understand this knowledge after reading it, you don't need anyone to teach you."
"If I don't understand after reading this, can I ask you?" Zhao Qianqian was a little nervous. She had no confidence in the face of the unknown.
"Okay." Yun Luo agreed.
Only then did Zhao Qianqian feel relieved.
Pick up your phone and search as you asked.
The first word she entered was "financial management rules." Zhao Qianqian thought that this word sounded like a summary and should be easier to learn.
After pressing OK, countless links suddenly pop up on the mobile page.
Zhao Qianqian clicked on the first article and saw that the article detailed the rules of financial management:
1. Expenditure = Income - Savings
At the beginning of the month, you get your salary, pay for your daily expenses, and deposit the remaining cash in the bank at the end of the month. However, if you do this, your monthly expenses will be huge, resulting in little left over from your salary. If you save 30% of your salary first and spend the remaining 70% as you wish, you will still have enough money and your savings will increase.
2. Income Trisection
Every month when I receive my salary, I divide it evenly into 3 parts.
One part is used for living, to pay for necessary expenses such as rent, water, electricity, communications, and food.
A savings.
One part is used as dream-fulfilling fund, which can be used freely. For example, save it for a year, find an opportunity to travel, or buy clothes and shoes, or participate in training and certification.
3. 4321 rule
40% of the household income is used for mortgage and other investments, 30% is used for household living expenses, 20% is used for bank deposits for emergencies, and 10% is used for insurance.
4. Double Ten Law
The family insurance limit should be 10 times the family's annual income, and the premium expenditure should be 10% of the family's annual income.
The premium allocation among family members should follow the principle of 6:3:1. The premium and insured amount purchased for the main income earner should account for 60% of the family's total insurance assets, the insurance purchased for the secondary income earner should account for 30%, and the insurance purchased for children should account for 10%.
In addition, the article also talks about the importance of keeping accounts and setting annual and monthly budgets. The principles are simple and easy to understand.
Zhao Qianqian seemed to have opened the door to a new world and began to read eagerly.
Before I knew it, an hour had passed.
Yun Luo reminded, "Host, please take a rest. You have to get up early to go to work tomorrow."
"These articles are so well written. If I had seen them earlier, I wouldn't have suffered so much." Zhao Qianqian felt sympathetic and was deeply touched.
Yun Luo took a quick glance and saw the text on the screen read, "...You never know which will come first, tomorrow or an accident. What should you do when you need money but your wallet and bank card are empty? So from the moment you get your first salary, everyone should develop a sense of saving."
Isn’t this the true portrayal of Zhao Qianqian!
"The best time to plant a tree is ten years ago, the second best time is now. It's not too late to wake up at the age of 26." Yun Luo's voice was ethereal, "In this life, you may not be able to study, but you can't avoid dealing with money."
"I have to work harder." Zhao Qianqian made up her mind, covered herself with the quilt and went to sleep.
**
The next day, Zhao Qianqian got up at 6:40, washed up, went out, and bought breakfast at a street stall.
"Boss, I want a pancake."
The boss was a dark-skinned man. He said in a deep voice, "Do you want to add tenderloin, ham, or luncheon meat? You can also add an egg."
Zhao Qianqian usually chooses to add eggs and tenderloin, but today, she reluctantly refuses, "No, I'm losing weight."
Hearing this, the boss buried his head in making pancakes.
Soon, the pancakes were ready. Zhao Qianqian took her breakfast and hurried to the bus station to catch the bus.
In the past, she would wait for a long time for a taxi and would not wait for it. She thought it was better to take a taxi than to be fined for being late.
After a while, I got used to it and no longer felt that taking a taxi was a waste of money.
But today, she set the alarm and woke up early just to avoid traffic jams during rush hour and wait for the bus for a long time.
Standing at the station, Zhao Qianqian ate breakfast and looked around from time to time.
Yun Luo suddenly said, "Host, take out your phone."
The voice suddenly sounded, and Zhao Qianqian paused. But she regained her composure soon and took out her phone as she was told.
"Search for 'bus app'." Yun Luo instructed.
Zhao Qianqian didn't understand what he meant, but she did it anyway.
The app was quickly downloaded and installed on the phone. Enter the city you are in and the bus number you are waiting for, and the phone screen will suddenly show the route, stops, where the nearest bus is, and how many minutes it will take to arrive.
Zhao Qianqian widened her eyes. There is such a magical tool for waiting for the bus in the world!
Yun Luo: "This software can query bus routes in more than 300 prefecture-level cities. The software is completely free to use, but the query process requires data traffic."
"Wait until the app shows that the train will arrive in 1 minute, pack your belongings and get ready to board the train."
Zhao Qianqian saw the screen on her phone displayed "3 stops/5 minutes", which meant that the next bus was 3 stops away from the current station and would take 5 minutes to get there. She could finally have her breakfast in peace.
After chewing for a while, the app prompted, "The bus will arrive in 1 minute."
Zhao Qianqian put away her breakfast and prepared to get in the car.
Dozens of seconds later, the bus stopped in front of her on time.
I got on the bus, punched in, and found that it was not rush hour and there were several empty seats on the bus.
Zhao Qianqian found a random seat and sat down, continuing to eat breakfast.
**
Suddenly it was lunch time.
Zhao Qianqian ordered takeout as usual, then took out a small notebook and wrote down carefully, "x year x month, breakfast 5 yuan, lunch takeout 25 yuan."
"It's more economical to bring your own food." The elusive system reminded again.
Zhao Qianqian was shy and said, "I can't do it."
"Put meat and lettuce in white bread and it becomes a sandwich. Is there anything you can do?" Yun Luo said.
Zhao Qianqian, "..."
What the system said made so much sense that she was speechless.
"If you just want to eat it occasionally, instant noodles are also a good choice." Yun Luo said again.
Zhao Qianqian: "Thank you, but I don't want to eat sandwiches and instant noodles every day. That's too miserable."
Yun Luo did not force it: "The system is only responsible for giving suggestions. It is up to the host to decide whether to adopt them or not."
Zhao Qianqian was firm, "You can save money on other things, but you still have to eat well."
Yun Luo stopped talking.
The author has something to say:
Mobile travel (also known as mobile bus) is really a magical tool.
The financial management rules are excerpted from Baidu, with some additions and deletions to the content.
**
Popular science from readers in the comment section:
Some surgeries cannot be exempted from medical insurance immediately, and you need to pay for them yourself and then get reimbursed with receipts. (For example, if you need treatment across provinces, or go to a big hospital in another place to see a good doctor, etc.)
In addition, postoperative medications may not be covered by medical insurance, such as some imported drugs, but doctors will prescribe them and they must be used. It is not that they are making a lot of money, but the effects are really much worse than domestic drugs. I have seen patients who used domestic drugs to save money and suffered great pain and poor recovery (neurological surgery).
In short, although we have medical insurance, we should still try to save money and not spend it all. Money is the backbone and courage of a person. If you can afford it, it is also good to buy some commercial supplementary insurance (to cover some expenses that medical insurance does not cover)
[The summary is very accurate, I will put it in the article to popularize common sense for everyone]
**
Another reader's opinion
There are restrictions on commercial insurance, and the premiums are related to age, health status, and occupational category.
If you apply for insurance after a confirmed diagnosis, you will be directly rejected. If you conceal your medical condition when applying for insurance, you will be refused compensation.
If you need to make a claim for an illness caused by a disease that occurred before you took out the insurance, it may not be fully compensated. There is a certain chance that the claim will be rejected.
【This person’s addition is also correct】
[There are too many big shots in the comment section. What should I do if my comments are longer than the main text in the future? (Thinking with my chin on my hand)]
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