Why are many people reluctant to spend money after earning it, and they all have it in the bank?

In life, many people are reluctant to spend money after earning it, and will choose to deposit it directly in the bank, because they want to save some money in the bank on a regular basis. In this way, a certain amount of savings can be achieved, and for some young people today, the ability to earn money is far lower than the spending power to spend money. Because young people's spending power is too strong, there are some young people's financial management ideas.

It is to deposit the money you earn every month directly in the bank, so that young people can live the life they want to live. <>

For some contemporary young people, if the monthly salary is calculated at 5,000 yuan, young people will deliberately consider saving 2,000 yuan directly when they save money. Use the remaining 3,000 yuan for daily living expenses, and the 2,000 yuan saved will be directly deposited in the bank, which is equivalent to earning only 3,000 yuan. Only spend the 3,000 yuan, if it is not enough, you can consider spending the money you have saved, young people because of insecurity.

That's why I want to save money. <>

In fact, when it comes to the life of young people, not every young person will have advanced consumption.

There are also some young people who will work hard for their lives. In order to make your life more prosperous, save a part of the funds every month. When facing some emergencies for parents or children at home, it can be used for consumption, which is obviously a good way to manage money.

Although there is not much interest in the bank, young people want a kind of stability in saving money. <>

As they get older, young people can also realize that saving money is the safest option. Although it is said that it is stored in the bank, it cannot be seen or touched, but as long as you want to use it, you can withdraw the money directly from the bank. The money stored in the bank is considered a personal asset, and if you choose to use all the money you save every month for consumption, or use it for investment, there is a certain risk, so saving money has become a favorite financial management method for young people.

Because these people have lived a hard life, they know that money should be used on the blade, instead of spending it lavishly, and when they need it urgently, they can't get the money, so they can only borrow money from others in a low voice.

Many people are reluctant to spend money because some people hope to leave a fortune to future generations, or be able to take out the money themselves when they need it, instead of seeking help from others and keeping the money in the bank, which is not only safe, but also has interest to take, which is also a good thing for the bank.

Some post-80s and post-70s people are reluctant to spend money after earning it, and they are stored in the bank, these people have experienced hard times, know that it is not easy to make money, and do not want to borrow money when they encounter difficulties, so they want to leave some way back for themselves.

The purpose of making money is to have fun, but money still has to save a little, saving money and having fun in time are both important aspects of life, the two are not in conflict, we should achieve balance and moderation. Here's what I think.

1.Saving money is a very good habit that can help us cope with emergencies and improve the quality of life, and people with financial backing will have a greater sense of security and self-confidence, and can face the challenges and changes in life more calmly. However, we should not be too frugal and save money, which will lead to a life that is too boring and constrained, and we should strike a balance between saving and enjoyment.

2.Having fun in time allows us to enjoy life better, reduce stress, and increase happiness. However, we should not over-consume and enjoy ourselves and lead to insufficient savings, and if we are unable to cope with the uncertainty of the future, we should strike a balance between enjoying old age and saving.

To sum up, saving money and having fun in time are interrelated, we should make a balance between the two, rather than a trade-off, according to our actual situation and needs, moderate savings and consumption, so that our lives are more balanced and beautiful.