Knowledge is not valuable. In the Internet age, knowledge is everywhere and you can learn without spending money.
Knowledge is valuable. If you learn and follow it, you can easily save a sum of money over time.
Zhao Qianqian was so happy when she found out that her money fund had more than 50,000 yuan. She was so excited that she screamed in her heart, "I have 50,000 yuan! This is not a small amount of money! This is the first time I have so much savings in my life!"
Yun Luo: "Host, calm down. I am currently at work and might be seen by others."
She is a person who is in debt in the company.
After taking several deep breaths, Zhao Qianqian managed to calm down. However, there was an amazing light flashing in her eyes, which could not be concealed at all.
When the year-end bonus arrived, everyone was very excited and got together to discuss how to spend it.
This one said she planned to round up the amount and then go to the bank to buy financial products together with her other savings.
He said that he had been carrying a mortgage for decades, and only when he received his year-end bonus did he have some extra money. He planned to buy new clothes for his family and some food to have a good New Year. Of course, he couldn't spend all of his year-end bonus, and had to keep three or four thousand for emergencies.
Another said that he planned to get married next year. He planned to save his year-end bonus and not spend a penny.
…
Amidst the laughter, it was time to get off work.
Chen Nianzhi walked hurriedly and disappeared in a flash.
Colleagues joked privately, "Is she planning to spend all her year-end bonus in one night, just like last year?"
"She gave money to the mall, but she ended up being more anxious than the mall."
Some people also envy Shen Nianzhi's carefreeness, "Being single is so relaxing, I wonder what she will buy for herself this year."
Zhao Qianqian was afraid that she couldn't control her facial expression, so she didn't join the discussion.
Seeing that it was past the end of get off work time, she left quietly.
**
No conversation along the way.
When she got home, Zhao Qianqian could no longer contain her joy and shouted, "Mom! The year-end bonus is distributed today! My savings has increased to 50,000!"
Wang Yan was preparing dinner in the kitchen. When she heard this, she rushed out immediately, "Fifty thousand?! Just one person? Just one year?"
Because she came out in such a hurry, she even forgot to put down the spatula.
"Yes." Zhao Qianqian was overjoyed, "I'll show you the account balance later!"
Hearing this, Wang Yan was so happy that she didn't know what to do.
It was Zhao Qianqian who calmed down first, "Mom, cook the food first, be careful not to burn it."
Wang Yan then returned to the kitchen, but the corners of her mouth were raised high and she couldn't calm down.
Soon, dinner was ready.
Zhao Qianqian was surprised, "Why are the dishes so good today?"
Since they decided to save money, the mother and daughter agreed to work together, so they usually eat very simply.
Wang Yan smiled and said, "After recuperating at home for two months, didn't I go out to work?"
"I get a salary from work and another from retirement, and I make more than 5,000 a month. After deducting expenses, I have quite a bit left every month. Adding last year's savings, I just made over 50,000 this month."
"New Year's Day is coming soon, and I wanted to prepare some delicious food to celebrate. Who knew you also saved 50,000!"
Zhao Qianqian's heart moved, "No wonder people say that the harder you work, the luckier you will be."
She only persisted for a year before good things happened one after another.
**
After dinner, Zhao Qianqian wanted to help wash the dishes, but Wang Yan sent her back to her room.
Zhao Qianqian couldn't persuade her mother, so she had to obey.
Sitting at her desk, she opened her account book and began to check if there were any omissions in the day's expenditures. After confirming that the records were correct, she analyzed which expenses could be saved.
After keeping accounts for a year, I can control myself and not spend money recklessly most of the time. But sometimes, I suddenly want to eat something. For example, at noon today, I couldn't help wanting to drink milk tea.
Thinking that her year-end bonus would soon arrive, she thought it was no big deal to reward herself with a cup of milk tea, so she bought it. But when she reviewed her spending at night, she felt that drinking milk tea was expensive and would make people fat, so she shouldn't have bought it.
Zhao Qianqian was writing in her account book when Yun Luo suddenly appeared and asked, "Do you know what inflation is?"
"I know." Zhao Qianqian answered without hesitation, "The money supply is greater than the demand, which causes the continuous and general rise in prices."
"For example, five years ago, the average salary in the city was 2,600 yuan, and rice was 2 yuan per kilogram. One month's salary could buy 1,300 kilograms of rice."
"Five years from now, the average city wage will be 3,318 (annual growth rate of 5%), and rice will be 3.22 (annual inflation rate of 10%). One month's salary can buy 1,030 kilograms of rice."
"The wages received may seem to be higher, but the actual purchasing power has decreased."
“So some people say that money is becoming less and less valuable.”
Yun Luo asked again, "How to beat inflation?"
Zhao Qianqian replied, "Invest in stocks, funds, futures, real estate, and gold collectibles."
After saying that, she immediately added, "But I don't have the courage."
It would be great if we could buy some financial products and withdraw money whenever we need it - this is what most ordinary people think.
Yun Luo looked at the host, "You know that if you can't beat inflation, you will lose, but you still don't dare to take the risk?"
Zhao Qianqian confessed, "I am afraid that I will lose my principal after taking risks, so it is better to be slowly eroded by inflation."
At least the loss is slower.
Yun Luo was choked and could hardly speak.
"I'm just an ordinary person and I don't expect to make a fortune. As long as I have money to treat my illness and can retire safely, I will live a happy and healthy life." Zhao Qianqian said sincerely.
Yun Luo: "No future."
Zhao Qianqian didn't take it seriously and said with a smile, "Ordinary people are content with what they have. If you are too ambitious and can't achieve it, your life will be very unhappy."
Yun Luo pondered for a moment, and suddenly said, "That's fine."
Zhao Qianqian, "?"
She didn't understand what the system meant.
Yunluo said, "I read the news and found that there have been some changes in the government recently. It is estimated that a new commercial district will be built in the north in the next five years."
"You bought your house a long time ago. Although it's old, it's in the city center and costs 21,000 per square meter. There are new properties for sale in the north, and they cost 7,000 per square meter."
"If I sell my current house and buy a new one, I can get two for one. Even if I take taxes and renovation costs into account, it's still a good deal."
Zhao Qianqian fell into deep thought, and after a long while she asked, "If the prediction is inaccurate, and the northern part doesn't develop in the future, wouldn't that be a loss?"
"It is possible." Yun Luo did not deny it, "Investment is risky."
But then she added, "Whether the book value of the house is a loss or a profit, as long as you don't sell it, it will have no impact on your life. This is a self-occupied house."
Zhao Qianqian thought about it and felt that it made a lot of sense.
No matter whether the house she lives in is worth one million or ten million, as long as she doesn't sell it, there is no way to realize the value. All she owns is a house.
"If you change houses, you can buy two rooms on the same floor and take care of your mother nearby in the future," Yun Luo analyzed.
"The house I live in now is old and dilapidated, and there is no direct bus to the company. Apart from the good location, there are no other advantages."
"Even if you don't consider investment and only consider the residential properties, it's worthwhile to change houses."
"Give me some time, I want to think about it seriously." Zhao Qianqian said.
Yun Luo didn't care. "The system is only responsible for giving suggestions. Whether or not to adopt them depends on the host."
**
A few days later, Zhao Qianqian found an opportunity and subtly mentioned the matter of changing rooms to her mother.
Wang Yan: "With our family's financial situation, how can we afford a new house? Don't even think about this."
As he spoke, there was a hint of envy in his eyes.
Zhao Qianqian suddenly understood that her mother was willing in her heart.
After checking the information and confirming that the new building had a good layout, convenient public transportation nearby, and complete living facilities, she made up her mind, "Change!"
Buying and selling a house is not easy.
First, their house had to be sold, and the mother and daughter had to rent a house outside for the duration.
Secondly, after buying a new house, you need to decorate it and get rid of the odor.
After everything is ready, moving into the new home still takes a lot of effort.
Hearing that changing rooms is so troublesome, Wang Yan backed out, "Why don't you just not change? I'm too old to bother with that."
Zhao Qianqian was very determined, "No matter how troublesome it is, it will only take half a year. Just bear with it and it will pass."
Wang Yan wanted to say something else, but was interrupted. Zhao Qianqian said word by word, "Mom, you are old, I want you to live in a good house."
"I bought a new house. If nothing else, it's more convenient for me to go to work than before."
"When you get older, I'll live in the same building and I can come over anytime I want to see you."
When people get old, they are afraid that their children will not be around. Wang Yan was immediately moved when she heard this.
After thinking about it, she gritted her teeth and agreed, "It's only one year anyway, let's change it!"
**
After the house was put on the market, it was quickly bought because the selling price was slightly lower than the market price.
At the end of April, the payment was made and Zhao Qianqian and Wang Yan moved out of the old house.
In May of the same year, Zhao Qianqian bought two adjacent houses in a new building in the north, one in her mother Wang Yan's name and the other in her own name.
In mid-May, the decoration of the new house began.
At the end of August, the decoration was completed and ventilation was completed.
On December 31, before New Year's Day, Zhao Qianqian and Wang Yan moved into their new home.
After renting a house for a year, Zhao Qianqian could feel that her money-saving speed had slowed down significantly. After a year of frugality, she only saved 20,000 yuan.
Fortunately, such days are finally over.
The night she moved into her new home, she slept soundly with beautiful expectations for the future.
**
The next weekend, Zhao Qianqian slept in for a rare time. She didn't wake up until the sun was high in the sky.
As soon as I opened my eyes, I saw Yun Luo sitting beside the pillow in a daze.
"What's wrong?" Zhao Qianqian was no longer afraid of this little man in a suit. In her eyes, Yun Luo was a friend and a benefactor.
Yun Luo said, "I just received a notice that I have to leave."
Zhao Qianqian was startled and all her sleepiness disappeared.
"Where are you going?" You blurt out in confusion.
"Around the next host," Yun Luo said, "there are too many financial novices, too many on the verge of bankruptcy, and too many waiting to be saved."
Zhao Qianqian remained silent.
The system comes suddenly and leaves hastily, always catching people off guard.
"When are we leaving?" Zhao Qianqian asked. When she asked doubtfully, she realized that her voice was very hoarse.
Yun Luo: "In 20 minutes."
"So urgent?!" Zhao Qianqian was quite annoyed that there was not even enough time to hold a farewell party to say goodbye.
Yun Luo said, "Time is limited, hurry up and get up. I will give you one last lesson."
The author has something to say:
[Due to the subject matter, the time span of the same instance will be very long]
**
Readers share their experiences:
Keeping a record of your mistakes is a repetitive process that I just can't keep up.
I have bought cosmetics before, and sometimes I thought it was cheaper by adding more items to a purchase, but I ended up only using them once and letting them expire, so in the end it became more expensive.
[Author: This case is really common, everyone should take it as a warning.]
**
Author's Science
Advantages of Electronic Savings Bonds
1. The highest credit rating and the best security. Since savings bonds are national bonds issued by the Ministry of Finance on behalf of the Central People's Government, they are guaranteed by the national credit and the Ministry of Finance will repay the principal and interest upon maturity. They have the highest credit rating, which is unmatched by other investment tools guaranteed by commercial credit.
2. Interest is tax-free and the income is stable. The interest rate of savings bonds is fixed, and the interest income is exempt from personal income tax. The issuance rate is higher than the after-tax income of bank savings deposits of the same term.
3. Convenient purchase and scientific management.
4. Flexible cash conversion and good liquidity. You can withdraw money in advance when you need it.
[Electronic treasury bonds can be purchased at bank branches or through online banking]
[Electronic treasury bonds pay interest every year and the principal is paid in the last year]
[Because it is very safe and has a high interest rate, many people rush to buy it. Every time it is publicly issued, all the quotas will be snapped up in about 20 minutes. ]
[The issuance time is not fixed every year. You can search for "x-year electronic treasury bond issuance time" at the end of February to find the date.]
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