I saw a video on Weibo these days:
A mother who works outside for a long time has little time to spend with her son.
The boy was anxious for his mother and emotionally collapsed, shouting at her:
Money! Money! Money! Knowing money all day long, is money that important
The mother beside her felt heartbroken when facing her son who was losing control of his emotions.
But they can only remain silent.

If you don't work, you can't afford to raise a child, but if you work, you don't have time to spend with your child.
This dilemma is undoubtedly a pain point for every middle-aged person.
Many people in the comment section say:
Child, when you grow up, you will know whether money is important or not
No one is unaware of the importance of money.
But for many people, the importance of money is only gradually realized after being hit by life's "thousand hammers and a hundred blows".
So, we often find that:
When parents are calculating about money, young children find it difficult to understand the bitterness involved.
When young, one person eats enough and the whole family is not hungry;
In middle age, there are gradually more things that are beyond one's control.
So the earlier parents remind their children of these 4 things, the better.
A while ago, there was a hot topic video on a certain platform.
A 37 year old programmer was laid off by the company and couldn't find a new job for six months, so he had to switch careers and set up a stall to sell fresh meat cakes.
The location where the young man sets up his stall is in the "Silicon Valley" of Chengdu, surrounded by many office workers.
He used to shuttle through nearby office buildings, but now he can only set up a stall downstairs.
This gap has made many netizens feel regretful.
The young man has also struggled in his heart.
But there are elderly people and children at home, and everything from mortgage, transportation, to life insurance is money.
After careful consideration, the young man decided to put aside his face:
At the age where money speaks for itself, it doesn't matter whether I like it or not, what matters is having something to do
When people are still young, they tend to prioritize many things over money
Happiness, freedom, dreams
But in middle age, the days of being chased by mortgage loans, retirement, and raising children, whether one is happy or not, and whether one likes it or not, have become luxury goods.
Hold on, it means everything.
Life is not about money, but the life you want requires money for everything
Moreover, the pressure of survival is not actually the most terrifying.
It's not a big deal to lower the quality of life, there are thousands of ways to live.
But once you encounter illness when you have no money, it's truly heart wrenching.
There is a topic on Zhihu:

At which moment did you feel that money was important

The most common answer is:
When we discover that money can save lives
A netizen shared that they have been working outside for more than ten years.
I have eaten the big pot of food in the factory, slept in the street, chewed the hard Mantou, been cheated by the landlord who rented the house, and also been forced to collect money due to debt.
But no matter how difficult it was, he resisted.
Until later, when his father was diagnosed with advanced liver cancer, he didn't have the money to buy medicine to relieve his pain, which caused the elderly person to suffer a lot before leaving.
This made him collapse.
Dad hurts on his body, but I hurt in my heart
So, those who say money is not important often haven't experienced the pain of being short of money.
Although money is not omnipotent, 90% of the troubles in life can be solved by money.
In the past two years, there has been a popular argument online:
Money is earned, not saved
No problem listening, but looking back at our own lives, how many people have multiple earning abilities?
Most people still have to rely on their own wages to support their families, don't they?
My aunt used to do massages to lose weight in her hometown.
Every time it costs 50 yuan, it hasn't increased in price for almost 10 years.
Because this money is hard-earned, many relatives always give advice to Auntie:
How about getting an investment? Or do you want to do some other small business?
But Auntie refused:
I don't have such a big deal, just make a little bit of money
Although she earned less, because she didn't tinker, Auntie has also saved up over 100000 yuan in recent years, and her life is still relatively comfortable.
Previous studies have shown that:
It takes an average of 4 years for those born in the 1970s to change jobs, 3 and a half years for those born in the 1980s, a year and a half for those born in the 1990s, and only 7 months for those born in the 1990s.
The younger a person is, the shorter the time they have to do a job, and naturally they cannot save money.
My colleague's niece recently started a new job and only worked for three days before resigning.
The reason is: "The working atmosphere is not good
When I was young, I always hoped that my work could be perfect:
More money, less work, closer to home, better company benefits, leaders not PUA, harmonious atmosphere among colleagues
But it's only after being beaten up by society that I realize:
It's really a pipe dream to want both
Not to mention us ordinary people, even those "social elites" in the news find it difficult to have a completely satisfactory job.
An employee of Ali complained roast before.
After being laid off by a large company at the age of 35, I could only find a job in a small factory.
I originally thought 'it's okay to have a lower salary, you can still find leisure time'.
After a 40% salary reduction upon joining, it was discovered that:
Small factories are more competitive than big factories!
Not only is there no time, but the money is even less!
it happens that there is a similar case.
A Pinduoduo employee joined Pinduoduo after graduating from 985 university.
The total contract amount can be 120000 yuan per year, but there are no holidays throughout the year.
Now he has returned to Alibaba, the general contractor has been halved, with only 65W, but he can take weekends off.
You see, it's the same for elites. If they want money, they won't rest, and if they want rest, they won't have money.
In fact, to some extent, looking for a job is like looking for a partner, there are problems after looking for it for a long time.
Whether it's the guy who insists on delivering takeout despite the raging storm, or the big factory employee who holds a high salary with air conditioning but works year-round.
Where is the perfect job?
Many people are not aware of:
Our salary not only includes income from labor, but also includes a portion of 'compensation for grievances'.
The meaning of work is never about comfort.
But it gives us the capital to settle down, giving us the confidence to raise children, afford our parents' medical expenses, and not having to endure the panic of waking up at midnight.
Of course, ten o'clock does not mean that everyone must not resign.
If we encounter leaders who are good at PUA, or if the work itself has seriously affected our physical health.
Resignation is worth considering.
But please remember:
90% of work problems cannot be solved by resigning.
So before making a decision, you must think carefully.
After all, having a job and a stable income is not easy in the current environment.
As an ordinary person, if you don't have the ability to "open source", you naturally need to have the awareness of "cutting costs".
But there seem to be endless pitfalls when it comes to saving money.
Let me ask everyone first.
Double Eleven has just passed, have you all stocked up?
Stocking up has probably become the most convenient way for most people to save money.
But Ten o'clock Jun has already read many stories online about "stepping on landmines" due to hoarding goods.
A netizen took advantage of the discount on Singles' Day to store clothes for their child for a year.
As a result, when it came time to wear it, I forgot what clothes I had bought, either I had never worn them before or I had bought the same type of clothes again.
The little money from Double Eleven province has been lost again due to repeated consumption
Some netizens took advantage of the discount and hoarded a bunch of fruits.
I'm afraid that if I can't finish eating, I will eat it every day, which not only makes me feel nauseous, but also spoils the unfinished fruits.
Actually, without joining the excitement of discounts, you can save money by buying as much as you eat
Some netizens hoarded a bunch of skincare products, thinking they would make a steady profit, but when the shelf life expired, they didn't use them up and had to throw them away.
The discount offered by the merchant is a good deal, but I just have one face, I really can't use so many skincare products
Similar stories are probably not uncommon in our lives.
In the final analysis, one sentence:
Storing goods to save money often ends up with a loss.
Buyers are never as skilled as sellers!
In addition, there is another money saving pitfall that many people step into without realizing it:
Big money is never spent, small money is constantly spent.
My classmate works in Guangzhou and earns over 10000 yuan per month.
He has low material desires and is single. Apart from rent and meals, he hardly needs any other expenses every month.
In theory, he can save a lot of money.
But recently he has been complaining:
I don't know why the money disappeared inexplicably
After careful questioning, I found out:
He loves watching dramas, but different platforms have different dramas.
Only members can avoid watching 2-minute advertisements.
Every time he waved his hand to open the membership.
In addition to videos, there are also music members, information search members, fresh food shopping members, JD members, Taobao members
Each platform only costs a dozen yuan, not much money
But after counting down a few hundred yuan this month, it's gone.
In addition, occasionally going out to have a good meal with friends, taking the subway but taking a taxi at will, and forcibly making purchases for discounts and promotions
These orders may seem like small amounts of money, but when added together, the salary is gone.
Don't think this is a spendthrift exclusive to young people.
Similar incidents are not uncommon among middle-aged people.
Some people are reluctant to buy good clothes for a few hundred yuan, but they will buy a bunch of cheap goods for dozens of yuan.
After wearing it for less than two days, it shrunk, faded, and had stitches, and both the clothes and money were gone;
Some people buy a pile of scrap metal for a small discount, only to be forgotten in the corner and eaten dust after using it twice.
Every penny spent seems to be useful, but it also seems to be useless
There is a concept in economics called the latte effect.
Many optional habitual expenditures may seem like small amounts, but over time they can become a heavy burden
For example, if we drink a cup of coffee (15 yuan) every day for 30 years, we will spend 160000 yuan.
This money is enough to buy a small car!
Although some people always say, 'Don't buy it and save 100%!'
But everyone has a shopping desire, and suppressing it blindly is quite inhumane.
So, spending money right is more important than simply spending less.
I once saw a netizen sharing her mother's experience of "earning 3000 yuan per month, but saving up for two houses".
Auntie is 55 years old this year. She was laid off from a state-owned enterprise in her early 30s and divorced her husband.
From then on, she began her frugal life.
Auntie's daily life is very frugal, with monthly expenses controlled within 700 yuan:
Eat only one sweet potato for breakfast, and be mostly vegetarian for lunch and dinner;
Skincare products are the cheapest in supermarkets;
Pick up all the clothes my daughter doesn't want
Despite being stingy, I never hesitate when it comes to spending money.
After the divorce, the aunt borrowed money to buy a welfare house and spent several years paying off the debt.
Afterwards, she rented out the welfare room and rented a small old one herself to earn the difference in rent.
Then, relying on rent and salary, I saved up money for several years and bought a one bedroom, one living room old rundown before the housing prices skyrocketed.
Auntie retired at the age of 45, with a pension of less than 3000 yuan.
But she saved another 100000 yuan over the years by doing odd jobs, retirement benefits, and rent, and renovated her old and rundown house.
Nowadays, Auntie's monthly income is stable at six to seven thousand yuan.
Recently, a netizen is getting married and she has prepared a dowry of 100000 yuan for her daughter.
I have to say, my mom is really amazing
This aunt has achieved the ultimate goal of 'this province, this flower'!
But on the other hand, Ten Point Jun does not advocate for everyone to imitate.
Some people enjoy the sense of security that a house brings, while others enjoy the freedom of traveling around.
Some people enjoy the refreshing simplicity of life, while others pursue the exhilaration of shopping.
The source of satisfaction is not having everything, but getting what you want.
So the most important thing is:
Only by understanding one's own needs can one truly spend money wisely.
Here, at 10 o'clock, I would like to provide you with a few general money saving tips, hoping to help you:
a、 Before hoarding, it is important to understand your own needs and the expiration date of the goods.
For example, if you only cut your hair once every three months and only need four haircuts per year, there is no need to apply for a "10 haircuts per year membership card".
Just looking at the activity, even though I made a profit.
But whether it's forcing yourself to cut your hair 10 times or only giving up 4 opportunities for a haircut.
Upon careful calculation, we have all suffered losses.
b、 Develop the habit of bookkeeping.
Although it's a clich é, it's really useful!
The key to bookkeeping is to know where your money has gone.
Nowadays, we are all used to electronic payments and have no feeling when spending money!
Bookkeeping can intuitively reflect the flow of our money.
I don't feel like taking a taxi for just over 10 yuan, but after spending a few hundred yuan in a month, it's bound to be painful!
After the pain, I will know where to save money next month.
Ten o'clock has always felt that:
No matter how much money is, it will never be enough to spend.
After all, desires are infinite.
So, plan the money you earn and perceive the money you spend.
Save money that doesn't matter, spend the money that must be spent.
This is the sustainable way of life.
Click on 'Watching' and wish everyone material and spiritual prosperity!
How do you usually earn, spend, and save money? Do you have your own skills or stories? Welcome to the comment section to share with everyone.