Discuss Is my salary enough to spend Why is my salary always not enough to spend?

I don't have enough to spend more than 3,000 a month

At the beginning of the month, I went to the KTV or disco every night, and by the middle of the month, I didn't have to go at night, and I didn't even smoke at the end of the month

em02][em02][em02][em04][em04][em04] View original post

It seems that everyone's salary is not enough to spend, and they have to be handed in, alas

How will you live in the future?

em04][em04][em04] View original post".

It's almost all spent in a month. Sometimes they overspend.

I have money in hand, no matter how much I can spend.

em04]

Who knows how to manage money? Help!!

Teach me!! I have about 1000 a month, and I have to pay 133 CDMA mobile phone bills, and I have to pay for car fuel every 2 to 3 days, and I have to pay 400. I can't buy one or two clothes a month!! 2 days before the paycheck, you have to spend it, it's miserable).

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It took me about a week to get paid

If you don't have any money, you borrow it from a colleague or family member.

It will be returned at the end of the month

And so it goes

It's not a taste to go by day by day.

em04][em04][em04] View original post".

How much money does it take to spend a month Depressed Every day I think about money

em10][em10] View original post".

Now there is no delivery, and it is not enough to spend

em06][em06][em06][em06][em06] View original post

You don't have to pay all the money yourself. I live alone, and my family is all in Shenzhen. [em01]

I haven't been paid for three months, so what's the cost?

What bad luck ...

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In the past, you didn't have to hand in a thousand to save yourself, and the rest was used to spend.

Pay eight hundred now.

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It seems that everyone is basically not enough to spend.

Dizzy! em04]

I really don't want to go to work, I can spend less money than I used to use my pocket money!

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Upstairs, it's not enough to spend so much money like you

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Who has more money to spend?

Smile !! It's not enough to spend.

em01][em05] View original post".

Wages are not enough to spend, I personally think there are the following reasons: first, the price of ** caused by currency depreciation, this year's 100 yuan can not buy last year's 100 yuan of goods, the actual wage growth rate is not as much as it seems, if the growth of wages can not keep up with the price, it can only be more and more not enough to spend; The second is to spend money without moderation, earn more wages, but the desire to consume has been doubled and amplified, exceeding the growth of wages, such as the original need for 100 yuan for human exchanges, now it needs 200 yuan, the original consumption of high-quality and inexpensive clothing, but now you have to pay attention to the brand, so whether your salary can offset the growth of these factors; The third is that there are more social responsibilities, when I just worked, I consumed alone, and the whole family was not hungry, after I got married, I had children, my expenses increased, my parents were old, I had the obligation to honor my parents, and my expenses increased, which were the reasons why my salary was not enough to spend. That's all, I hope it helps.

I feel the same way, I always feel that my salary is not enough to spend, and I always hope that I can earn more money and spend in style.

I feel the same feeling that from 19 years ago, I feel that wages are becoming more and more insufficient, and prices are very fast, is this the rhythm of inflation, is it going to enter a depression period in the next ten years, think about the United States in three years and Japan in seven years, I am afraid, the domestic population is far larger than these two countries.

It's very simple, buy a box of watercolor pens and ask the children to draw on your salary.

Now prices are constantly **, and there are more expenditures; Or because of your own reasons: you don't distribute your salary reasonably, spend money lavishly, and buy it as soon as you see it!

Give yourself a summary of your expenses appropriately, and what you do is up to you.

Because you never look at how much money you have left in your pocket.

As soon as I was paid, I went out with my friends to eat and drink, some bought luxury goods, and then the money disappeared, and some were borrowed, but I was starving and cold. Life is like this, I don't see that I bought anything, but the money is not enough to spend, and in retrospect, it is better than knowing where to spend. How to distribute income in four steps!

01.According to their own specific actual situation, the income is distributed proportionally.

There are two ways in which we receive our monthly salary, saving it or spending it.

But the reality is that it is very difficult for us to save all our salary income, because we have to have expenses to survive, and these expenses are necessary expenses, such as rent, utilities, food.

Therefore, we should divide our income proportionally and our expenses proportionally according to our specific actual situation.

Income is distributed proportionally, which can follow the 631 principle, that is, 60% of the income is used as necessary expenses for living expenses, 30% as other expenses, and the shouting can be expenses such as entertainment, self-improvement, etc., and the remaining 10% is used as an emergency reserve for compulsory savings.

And the money left after subtracting the necessary expenses from the monthly income is what we can use flexibly, about 30%-40%.

Even if you want to save a little more money and compress yourself.

01 Salary to parents.

It reminds me of how my first salary was spent?

My first salary was very low, it seemed to be only 220 yuan, and I gave 200 yuan to my mother, and 20 yuan was left to buy daily necessities.

At that time, I was young and my ideas were simple. I want to earn money to my parents and subsidize the family. I want to help my parents save money for my younger brother to marry a daughter-in-law.

So, my first salary was basically turned in, and the purpose was very simple. I didn't buy gifts for myself, I didn't buy gifts for my family or friends, I didn't do anything earth-shattering, and I didn't have any special meaning.

It came so lightly, and then left so quietly, as if it had never been, and there was no sense of ceremony. I don't even remember thinking about it.

02 Buy gifts for loved ones.

Although my younger brother is younger than me, he works earlier than me.

My brother's first job was to work as an assembly line worker in a factory, and I worked hard enough for a month.

When I got home in the afternoon, I brought back a watch, saying it was given to me. The dial and strap are golden, delicate and beautiful, and that's when I started to like gold.

The younger brother said that he had visited several watch shops and thought that this was the only one that was the best.

I was so moved that I was about to cry, afraid that he would laugh at him, so I held back my tears.

Since then, this watch has accompanied me throughout my youth, from my school to work, to starting a family and having children, and until now, I still keep it. This should be the most valuable of my assets, at least in my eyes.

03 Send red envelopes to your parents and family.

In September this year, my cousin came to work in Shishi. helped her find a house, and took care of the chain to clean up. I'm very happy that I have one more family member by my side.

At the end of October, my cousin paid her salary.

My cousin was super happy and sent a happy red envelope to her parents, thanking her parents for their nurturing grace, and smelled happiness through the screen.

Of course, my little cousin was also very sensible and cute and sent me a red envelope to share her joy.

It just so happened that it was my birthday. Luck.

1. Read. The distribution of wages needs to be decided according to the level of consumption each month, if you are working outside, then you need to set aside a part of your salary to pay rent, water and electricity, which is the most basic expense, so you need to plan it every month.

2.If the salary is relatively low, then you can choose the bus or subway and other ways to travel, but you need to pay special attention to the catering, try to cook by yourself, not only very hygienic.

Interpersonal communication, every month will always expand the circle of friends by inviting friends to dinner, but we also need to pay special attention to abandon the bad social circle, which will waste time and a lot of money, and the consumption of interpersonal communication needs to be controlled at about 500 yuan per month.

4. A part of the monthly salary needs to be set aside for learning, because at any time you need to continue to study, so that you can continue to improve, so you need to take out a part of the salary to buy books, or take out a little salary every month as training money.

5.Investment and financial management. Some people's wages will be smaller, but we also need to pay special attention to setting aside a little money every month for investment and financial management, but we can't be blind, and we can directly deposit it in the bank.

6.If the salary level is relatively low, then the cost of consumption entertainment will naturally be relatively small. Generally speaking, the cost of consumption and entertainment needs to be controlled at about 500 yuan. Of course, if you want to accumulate it, it's also very good.

When we receive our salary, we have to distribute it to meet our needs. Different people have different ways of distributing their salary income. ......For me, my monthly salary distribution includes three aspects: meeting the needs of myself and my family, using it for my hobbies and hobbies to make myself happy, and saving the money I have left over for my own savings.

1. For your own salary, you should first use it to meet the living needs of yourself and your family.

In your salary distribution plan, the first thing is to use your salary to meet the living needs of yourself and your family. ......This is your most basic need and the most important expense for yourself. Only when you and your family have a comfortable and stable life can you feel comfortable and happy, and your life will be happy.

2. I have to take out a part of my salary every month for my hobbies and hobbies, so that I can be happy.

Everyone has their own interests and hobbies, and this is the best way to keep yourself happy. ......Therefore, I will use part of my salary for my own hobbies. ......Of course, this part of the cost accounts for a very low proportion of their salary distribution, on the one hand, because their hobbies do not cost much, and more importantly, they do not want to spend too much money in this area and affect their lives.

3. For the balance of salary, I will save it as savings.

When you have allocated the part of your salary, you will save the rest as your own savings. ......This part of the savings is to prepare for future emergencies. With this part of the savings, your life will be more secure, and you will be more at ease, so that your life and work will be more stable, and you will feel more down-to-earth.