What will you do to make best of your money?
Before starting day’s topic, I would like to follow 文俊521's opinion and suggest that the topic would make more sense if it is revised to “what will you do to make best use of your money”.
Nowadays, a graceful word “white-collar”(白领) is being used more and more in describing those who work in high building and dress formally. I guess this vivid title springs from the color of shirt a general work wears. A majority of young employees in big cities have accepted this calling. However, one of my friends has another explanation for “white-collar”. In his mind, after receiving a monthly salary, he needs to pay the rent fee, the gas and electricity fee. To maintain his life, he has also to buy oil, rice and some instant food. Sometimes he goes to restaurant with his friends. He also needs to do shopping and buy necessary clothes. It seems all the cost is reasonable. He may be lucky without a girlfriend and no need to pay extra money to buy gifts for her. At the end of each month, little money is left in his pocket. He sighs: I am indeed a “白领” which means my salary is used up and no money left as if I have not received the salary. Generally, young people living a similar life is also classified into the group of “moon light” (月光一族).
As a matter of fact, my friend is not alone as the above phenomenon is quite common. The pace in big city is fast and pressure is terribly overwhelming. It is no easy to save money at all. What is worse, the prices of everyday things increase while the salary remains the same level. Just take the price of pork as an example, even if it was just a joke to compare pork with female graduate in yesterdays’ topic, it indirectly shows the pork is somewhat expensive. The average pork price was about 16 yuan ($2.3) per kilogram, however, its current price is about 32 yuan ($4.5) per kilogram. If one is determined enough to save money, he may prohibit himself away from pork and only chooses vegetable and steamed bread. Then his life qualities can not be kept. It also does little benefits to his health. Therefore, a challenging topic is in the front of every “white-collar”: “how to make best use of money. “
I would not discuss here how a well-off family to invest their savings. My topic involves only the typical white-collars including me. Most of them do not have many savings, and do not make detailed plan in how to use the money, neither. I am such an example in point. In the beginning of every month, my salary is distributed to my account in the Merchant Bank, and I do not check them often. When I need money, I go to bank and get some. I do not calculate carefully how much and how I spend. Now that I am not good at using my money, I do not have much experience on it, I only share some of my thoughts here.
The background introduction has already listed several useful methods for reference. In my opinion, they are all effective ways. For me, I think, it is undeniable that a chief measure is to try to work hard and get promotion. When your salary rises, it is a most effective and direct way to improve your savings. From another perspective, under the same level of salary, making a detailed plan on everyday cost is necessary. When you have a clear idea of your cost, then you think twice when buying something. In addition, when you pay for something, you would better use the cash instead of credit card or bank card. It is a subconscious hint that using cash can make you cherish every coins you use.
Hehe, I am not an expert on this topic, but I know we still have a long way to go. Well, cherish every coil, when you use it, think about the hard work you’ve paid to earn it.
最后由 我赛赛 于 2008-09-09 22:17:12编辑 |
我是月光族
