"Mom, don't worry about it. I can save money myself." Zhao Qianqian held her forehead with her hand. "You just had the operation, so just stay home and rest well."
Wang Yan thought to herself: If I rely on you to save money, you won’t be able to save enough for your dowry and get married in this lifetime!
But she only thought about it in her mind and didn't say it out loud. She said vaguely, "If we work together, we can save money faster."
Zhao Qianqian wanted to persuade her again, but Wang Yan interrupted her directly, "Qianqian, Mom is old. Even if I grit my teeth and persevere, I can't hold on for a few years. If you don't let me go now, in a few years, Mom won't be able to help you even if she wants to!"
"Listen to my mother's advice. In this world, money is a person's courage. Only with money can you have full confidence."
"Going out to work after retirement is not hard, but not having enough money when you need it, that's the real hardship!"
It is said that every three years there is a generation gap, every five years there is a gap, and every ten years there is a chasm. Parents and children have different concepts, and there is probably a galaxy between them in terms of cognition...
Usually, Wang Yan kept silent about it to avoid quarrels and conflicts between mother and daughter. But these days, lying in bed, she thought about it again and again, and always felt uneasy.
With her around, my daughter Yue Guang doesn't have to worry. She can always ask her for help if something goes wrong. But what if she is gone one day? What will happen to my daughter?
The more she thought about it, the more anxious Wang Yan became, and the more she couldn't let it go.
After thinking for a long time, the only solution she could think of was to leave more money for her daughter.
Money is not everything, but it can solve most of the troubles in life. Therefore, Wang Yan resolutely expressed her attitude despite her daughter's opposition.
"Mom, I know money is important. In fact, I've started saving money recently." Zhao Qianqian slowed down her tone and discussed with her, "I don't object to you going out to work, but don't be in a hurry. Take care of your health at home first, okay?"
"If I overwork myself and have to stay in the hospital, the money I earn won't be enough to pay for the medical expenses, right?"
"Saving money? You?" Wang Yan thought, even if she wanted to coax her, she couldn't use such an unreliable reason!
"Yes." Since it was brought up, Zhao Qianqian simply made it clear, "3,000 in medical insurance card, 16,000 in provident fund account, 12,000 in cash, I have the money."
She originally wanted to say money market fund, but was afraid that her mother was too old and wouldn't understand what it was, so she simply used "cash" instead.
Wang Yan's eyes widened. "So many?"
"I was really scared when you fainted and were hospitalized this time." Zhao Qianqian sighed, "I was alone at home these days, either cooking glutinous rice balls or eating bread, and I was very frugal."
"Then tell me, how much did you spend in total from the time I was admitted to the hospital to the time I was discharged?" Wang Yan was skeptical.
Zhao Qianqian said without hesitation, "It took exactly ten days from hospitalization to discharge, and the total cost was 350."
"Why don't you think about it before you speak so freely?" Wang Yan suspected that the data was falsified, but had no evidence.
"That's because I keep accounts every day." Zhao Qianqian said seriously, "I not only write down every expense, but also calculate daily, weekly, and monthly expenses."
"I just calculated it last night, so I remember it very clearly."
Wang Yan stared at her daughter in a daze.
She knows every asset under her name and can easily report her monthly expenses... She is really different from before...
Wang Yan was very relieved - in fact, she didn't want to force herself to go to work while sick. The reason she made the decision was because she was anxious and couldn't stay at home.
When she heard that her daughter had grown up and knew how to save money, she felt relieved.
After thinking about it again, I decided that my health was more important and I didn't need to rush for a month or two, so I agreed. "After I'm discharged from the hospital, I'll rest at home for two months, and then I'll go out to work."
"Okay." Zhao Qianqian's brows relaxed.
Reaching a consensus, the mother and daughter looked at each other and laughed together.
**
After much difficulty in persuading her mother to stay home and rest, Zhao Qianqian was in a good mood and smiled no matter who she met.
Just after sending a customer away, she turned around and saw Shen Nianzhi walking towards her, and Zhao Qianqian instantly restrained her smile.
The difference is too great to ignore.
Shen Nianzhi complained in his heart, what did he do? Why was he so unwelcome?
Zhao Qianqian wanted to move away, but unexpectedly, Shen Nianzhi stepped forward and blocked her way.
“We haven’t talked for a long time, why do you run away when you see me?” Shen Nianzhi’s tone was familiar.
Zhao Qianqian: When I saw you, I subconsciously wanted to cover my wallet.
"What's the matter?" She looked calm and businesslike.
Shen Nianzhi got angry just by looking at him, but he said, "I noticed that you have been ignoring me recently, and I wondered if I had done something wrong. If I have offended you accidentally, I will apologize to you and you won't be angry."
"You haven't offended me, it's just that something happened at home recently and I'm not in a good mood." Zhao Qianqian downplayed the question.
Shen Nianzhi believed it for the time being.
The next second, she smiled brightly and held Zhao Qianqian affectionately, "I'll teach you a trick. When you're in a bad mood, you must buy, buy, buy, and shop to your heart's content!"
"After spending the money and getting the treasure I love, I feel much more energetic."
"By the way, there is a shoulder bag that cost 1200 recently, and it is 1050 after discount. Do you want to buy it?"
Without waiting for Zhao Qianqian to answer, she continued, "It can cure all diseases. This is not a lie!"
"The shoulder bag I recommended to you is very nice. It looks elegant and noble when you carry it, and it makes you look very elegant."
"You will regret missing this event!"
Zhao Qianqian didn't want to make the relationship awkward, but when she saw someone who had no sense of self-awareness from the corner of her eyes, she had to make it clear and express her attitude, "Chen Nianzhi, something happened in my family not long ago. Because I was short of money, I even asked you to borrow money. How dare you instigate me to buy lipstick and a shoulder bag at this time?"
Shen Nianzhi suddenly froze, and she finally realized why she was disliked.
Usually, when Zhao Qianqian said, "I'm almost spending all my salary this month," she would be very tactful and would not come near her anymore.
This time, Zhao Qianqian said something happened at home, but she went to work on time every day and behaved no differently than usual, so she didn't take it seriously. Who knew that she would annoy the other party by mistake.
"I am concerned about you, too." Chen Nianzhi thought for a while and tried to save face, "I am afraid that you will get sick from the depression."
Zhao Qianqian: Even if she is really in a bad mood, she doesn’t want to vent through shopping.
Her mind moved slightly, and the next second her face fell, revealing an annoyed look, "Sorry, I didn't mean to lose my temper with you..."
"In fact, after something happened at home, I borrowed a large sum of money from someone and managed to get through the difficult times."
"I have to save more money in the future and pay off my debts as soon as possible. I can't live a carefree life even if I want to."
At the end of the speech, Zhao Qianqian looked lonely.
It turns out that she was always forcing herself to smile. She was wondering why Zhao Qianqian suddenly changed her personality for no reason!
After thinking about it, it suddenly dawned on him.
"So that's how it is. It's all my fault for not understanding the situation and giving blind advice." She asked with concern, "Are you okay? Do you need any help?"
"I'm fine." Zhao Qianqian showed a tired smile just right.
Shen Nianzhi believed more and more that he was in debt.
She asked a few more questions and then made up an excuse to leave.
"Now he probably won't come to me again." Zhao Qianqian felt relieved.
Yun Luo suddenly said, "Bad friends are also obstacles on the road to financial management."
Zhao Qianqian gradually got used to the system talking suddenly, and at this moment she remained calm and answered in her heart, "So I got rid of her cleanly and neatly."
After learning about financial management, she realized how dangerous her previous lifestyle was. If an accident happened, she would have no way to deal with it.
And Shen Nianzhi…is not as good as she used to be!
Zhao Qianqian lives in the local area and lives with her mother. Shen Nianzhi is from another place and currently rents a house near the company. If something unexpected happens or she is fired by the company, she won't even be able to pay the rent for next month!
"Even so, you still buy bags, skirts, and skin care products and live a refined poor life. You're really brave." Financial rookie Zhao Qianqian disagrees.
Yun Luo reminded the host, "Everyone used to look at you this way."
Zhao Qianqian, "..."
"Let's not talk about the past." Her face became serious and she said solemnly, "I have turned over a new leaf and become a new person."
Yun Luo: "When life becomes unbearable, Chen Nianzhi will also be (forced) to change his ways."
A monthly salary of 4,000 yuan cannot sustain a life on a monthly salary of 10,000 yuan for a long time. It's a simple math problem.
Zhao Qianqian, who has experienced this, sighed from the bottom of her heart, "But it was too late by then."
She didn't sympathize with Chen Nianzhi, but felt sorry for him, thinking of herself who had been forced into a desperate situation.
Yun Luo: "You can only rely on yourself to awaken your financial awareness. No one else can help you."
**
Many people laugh at themselves, "I understand a lot of truths, but I still can't live a good life."
In Yun Luo's opinion, the biggest problem is that they understand but don't put it into practice.
However, the host Zhao Qianqian does not have this problem.
Although she started late and her starting point was low, she was very tenacious. Once she made up her mind to do something, she would do it seriously and meticulously.
When she was asked to keep accounts, she would carry a small notebook with her. She would summarize and analyze the results every night and would never go to bed before she finished her work.
Asked to save money, she persisted for months. She spent 800 yuan a month, with fluctuations of no more than 100 yuan. Occasionally, she would spend an extra 200 to 300 yuan when encountering special circumstances, such as the wedding or funeral of a colleague, or social interactions.
Ask her to read books to learn about financial management, and she would always hold her phone and read eagerly. After browsing the web, she would spontaneously search for "classic financial books" and buy e-books to read and expand her knowledge.
Before I knew it, a year had passed.
At the end of the year, the year-end bonus arrived. Zhao Qianqian didn't even look at it and directly bought the money market fund in full.
Yun Luo reminded, "Check the total amount of money funds."
Zhao Qianqian was slightly startled, and took out her phone to check. When she entered the page, she saw that the account balance was 52137.32.
Her eyes widened in disbelief.
However, no matter how I rubbed my eyes or turned the table over and over again, the number remained the same.
Zhao Qianqian stood up in shock, "Having 50,000 in savings?! Me? In just one year?"
Yun Luo suddenly appeared, sat on the host's shoulder and smiled, "The road ahead is long and difficult, but if you keep going, you will reach your destination. Congratulations."
Zhao Qianqian's fingers were shaking, her words were incoherent, and her heart was pounding.
Yun Luo reminded, "There are 4,000 in the medical insurance card and 23,000 in the provident fund account. Adding up all the funds, the total is 79,000."
Zhao Qianqian was so happy that she almost fainted!
She sighed repeatedly, "No wonder my mother likes to save money. It feels so good to have savings."
The author has something to say:
[After being reminded by a reader, I checked and found that the "expected return" of bank wealth management products is no longer allowed to be mentioned. It is now called "performance benchmark"]
**
Reader's Science A:
In some areas, even if you don’t cross the province, you have to apply for treatment in a different place. For example, if you want to go to the provincial capital Hangzhou for medical treatment, you have to complete the procedures before last year, otherwise you have to pay in advance.
If you encounter any problems, besides asking x degree if you don't understand anything (x degree is not comprehensive and some are not very timely), you can also call the mayor's hotline.
That is a comprehensive type. Even if you don't know, you have to call the relevant department and then ask one by one.
**
Readers' Science B:
If you have a serious illness and your family is in financial difficulty, you can apply for temporary assistance from the office or community where you live. Depending on the situation, you will receive a subsidy of several hundred to several thousand yuan.
[This is true, I am sure. But if the readers hadn’t reminded me, I wouldn’t have remembered it…]
**
Featured Reviews
#When Yu'ebao first became popular, there was a popular saying, "It's not the alarm clock that wakes me up, but the income from Yu'ebao"#
#How could you wait until now to update this treasured article? I wish it was already finished! #
[It’s great that this article can be published. The first copy was published when the “Real Movie” was serialized, which was September 2017. (A reader told me that he waited for two years and finally saw this article published...)]
#Before I started writing, I thought it was a copy of a serious financial crisis, but I didn't expect it to be about financial management in daily life#
[Reading difficulty from low to high, the Western financial crisis will be written later]
Continue read on readnovelmtl.com
