Advice for ordinary people: Be mentally prepared in advance to live in poverty

Recently, there have been many discussions about "consumption downgrade", and an interesting phenomenon has been discovered: there are fewer people posting designer bags on social media, and more people sharing their experience of shopping on second-hand platforms. This generation of young people is proving through their actions that saving money is the real skill! But true wisdom does not lie in passive cost cutting, but in actively establishing a "risk resistant" lifestyle strategy.

1. Redefine "Poor Days" New Standards [SEP]. Day Expert Kondo Mari Hui once said, "Leave what catches your heart, not what others think is necessary."

2. Establish a cooling off period for consumption

Leave your shopping cart idle for 48 hours, and you will find that 80% of things are not needed at all. Big data shows that delayed consumption can reduce impulsive shopping by 63%.

3. Develop affordable sources of happiness

Library borrowing, park picnics, homemade coffee The Harvard Happiness Class study suggests that the duration of pleasure brought by low-cost activities is actually longer.

2. Rules for Building Financial Buffer

1. Establish three firewalls

Emergency savings (3-6 months of living expenses)+medical insurance+skill reserves, just like putting three layers of "bulletproof vests" on life. Even if suddenly unemployed, one can turn around calmly.

2. Develop monetizable skills

Writing, editing, baking During the epidemic, people with side jobs had a 40% lower anxiety index than the general population. Remember: the iron rice bowl in modern society is not a certain position, but the ability to earn money at any time.

3. Establish a commodity exchange circle

community idle group and skill exchange platform, and exchange idle air fryers for neighbors' hanging irons. This "sharing economy" model is quietly becoming popular among white-collar workers in first tier cities.

3. Anti fragile consumption wisdom

1. Buying an expensive but cost efficient coat

3000 yuan and wearing it for five years is more cost-effective than buying three pieces of fast fashion every year. The wardrobe philosophy of French women's "less but more refined" is actually the most economical consumption strategy.

2. Invest in health in advance

Regular physical examinations, high-quality bedding, and eye protection desk lamps These seemingly 'luxurious' expenses can help you save a large amount of future medical expenses. Remember: the body is the biggest fixed asset.

3. Establish a resource map

Remember the cheapest fresh food stalls, the best tailor shops, and the most reliable maintenance technicians in the community. These life information can save a lot of unnecessary money at critical moments.

4. Rich mentality in poor days

1. Beware of the trap of "scarcity mentality"

The more one feels "short of money", the more likely they are to make short-sighted decisions. Trying to replace 'I can't afford it' with 'I choose not to buy it' has a completely different mindset.

2. Cultivate a sense of sufficiency

The Nordic philosophy of "lagom" (meaning "just right") is worth learning: it's not about chasing after more, but about feeling what you already have with your heart.

3. Keep the possibility of upgrading

Allocate 5% of your monthly income to invest in learning, just like regularly depositing money for your future self. Knowledge reserves are the hard currency that never depreciates. The true mindset of the wealthy is not about account balance, but the ability to live well no matter what happens. Those who adapt quickly during the pandemic often have been prepared in advance. Remember: a good life is not bought with money, but managed with wisdom. Starting from today, build a life system that is "even in economic crisis, opportunities cannot be defeated" for yourself!