(1)
Money is not everything, but nothing is impossible without money.
During the winter vacation this year, my father became seriously ill again. After my father was discharged from the hospital, I became ill. After my symptoms were relieved, my mother became ill. I wanted to rationally write down the causes and consequences of my father’s illness as soon as possible, but my thinking is still swayed by some emotions, and I can’t be as rational as possible. When emotions control my thinking, it is easy to fall into various traps laid by others. There are all kinds of people in the blogosphere. I don’t want to make enemies with people who are good at creating traps, so I decided to postpone writing a blog post about my father’s illness.
My father’s illness has not been cured, and it can be said that there is no real treatment. The medical expenses for six days of hospitalization are about 10,400 yuan (10,400 yuan), of which 4,900.00 (4,000,900 yuan) is reimbursed by the new rural cooperative medical system. About 5,500.00 (five thousand five hundred yuan). Other expenses during hospitalization are about 1,500 yuan (one thousand five hundred yuan). Except for 1,000 yuan (one thousand yuan), which my father brought with him when he went to the hospital and paid the deposit, the rest were paid by my credit card and then repaid in full with my own salary. Years later, my father and I went to a hospital in the provincial capital that was the only one in the province that could treat the disease. The doctor said that the initial treatment cost was about 120,000 yuan (200,000 yuan), and the new rural cooperative medical system in other places in the province would reimburse up to 30,000 yuan. It means that during the early treatment period, you must pay 220,000 yuan by yourself, and then go to the city’s medical insurance center for reimbursement accounting, and finally pay about 90,000 yuan at your own expense. The problem is, I emptied my property, emptied my savings, sold the house, and sold the right to use all the land in the family, but I couldn’t get enough 90,000 yuan .
After my father was discharged from the hospital, my mother and I fell ill one after another, and the cost of seeing a doctor was about 2,000 yuan (two thousand yuan), which was not reimbursed by the new rural cooperative medical system.
After school started, I found out that I had been through a scam. The house I rented was subletted to me by a teacher who resigned from the school. He got involved in a dispute with the landlord and deducted 9,000 yuan (9,000 yuan) from me and did not refund the rent to me. After several days of negotiation To no avail, I compromised. This year, my health is not very good. I don’t want to get angry again because of this. Nine thousand yuan is my current salary of 2.5 months + subsidies for remote areas. I can earn it myself. Northeasterners are too honest and will always be bullied outside. This is a common phenomenon. Of course, what I need to know is that what I lose is the money that I can earn again, and what he loses is the blessings and lifespan that he may not be able to earn anymore. Which is more important?
On the evening of April 8, 2022 (Friday), I was accidentally injured by a very thin wire with rust. According to my medical knowledge, I expanded and cleaned the wound, but I cannot guarantee that it will be cleaned. I asked the dean for leave. After approval at various levels, the dean, the director of the academic affairs office, the director of the personnel department, and the vice president agreed to the application for leave. I was able to go to the central hospital for tetanus vaccination the next day. I bought tetanus antitoxin for 35 yuan. The nurse diluted it 20 times and performed a skin test. It was found to be strongly positive, which meant that I could not inject tetanus antitoxin. If it was forcibly injected, it would cause me to die within 10 minutes (principle: Type I allergy), and then spent about 300 yuan to inject tetanus immune globulin.
There are also a variety of unsatisfactory things, which are not listed here one by one. The various bankruptcy this year made me have to examine the importance of saving money. “If you have food in your hands, don’t panic.”
(2)
I have had different work experiences before, unemployed. In the previous job, the salary was very low. For example, when working in a secondary school, it was more than 2,280 yuan per month, and later it rose to more than 3,340 yuan according to the policy; For meals and other consumption, I only had 2,000 yuan in hand when I resigned, but when I paid the rent, I used the unexpired fixed deposit of more than 2,000 yuan, which is equivalent to no balance.
I really started saving money when I became a college teacher in September 2021. Relying on the salary of about 4,200 yuan (four thousand and two hundred yuan) per month + subsidies for remote areas, as well as the class hour fee + counselor allowance + examination fee + examination fee + dissertation guidance fee + invigilation fee at the end of the year +Incentive performance, etc. As long as you tighten your belt, you can save about 30,000 yuan per year. My income cannot be compared with that of teachers in Jiangsu, Tianjin and Shenzhen, not even one-fifth of theirs. Therefore, it is meaningless to compare the income of teachers in Jiangsu, Tianjin and Shenzhen with ours.
In the past, I have tried various ways to save money, such as bank time deposits, certain ebao, wealth management products from shadow banking, etc., but I have not been able to save money.
①A treasure
The platform that a certain ebao relies on, a certain payment treasure, will always induce you to spend the money in it. Mouyun’s speech in Shanghai has already revealed his purpose.
A certain payment treasure can really change a generation of Chinese people, from online shopping to “cashless payment” that penetrates all aspects of life, allowing us to spend money without pain, and trying every means to prevent us from saving our current money. Then use all angles of the society we can contact to penetrate into us the idea of borrowing and consumption, and gradually let us adapt to the advanced consumption habits through channels such as Huabei and borrowing, so that we cannot save future money.
Tell me what happened to me:
When I have turned off “Huabei”, when I use a certain Alipay app to pay, it will suddenly set Huabei as the default payment method. I’m used to entering the password quickly to pay, and I didn’t notice this problem at all. As long as I press my fingerprint or enter my password, without additional confirmation, Huabei is immediately activated and the payment with Huabei is successful. Is this similar to the “monthly payment” method of a certain regiment?
In order to withdraw cash from a certain Alipay without any fees, I opened an online merchant bank account. In 2022, a mobile phone number bound to Alipay (not my usual mobile phone number) often receives automatic voice and manual calls, which induces me to open an online business loan.
In 2022, I read a lot of people complaining that a certain Alipay is restricted from payment, transfer, and withdrawal functions for up to 3 years. If you call the customer service phone for consultation, you will be blocked by the official, you will no longer be able to access the manual service, and you will be blocked again if you call a different number. Among these people, quite a few are involved in the withdrawal of cash from a certain ebao or the redemption of wealth management products in a certain Fubao, which means that as long as you withdraw cash, you will be blocked depending on your mood, “Your money is yours, but I can deprive you of it. right to use”.
The same problem occurred in the payment of a letter, which is in competition with a Fubao, and the limit time can be up to permanent.
Mouxin Payment launched “distribution” in 2022 and began to tempt users. A certain letter’s micro-loan can still hide the entrance (even if most people don’t know how to hide it), but the distribution is just like Huabei and borrowing. The entrance can’t be hidden there all the time.
②Shadow banking wealth management
Shadow banking wealth management products are relatively complex, and the returns are getting lower and lower. I used to open an account through Minsheng Plus Bank, and some other fund companies (can’t remember the name), and finally gave up. There are two reasons: 1. The purchase and redemption of funds requires a series of operations. Although the time cost is not large, I don’t like it very much; 2. With such a small amount of money in my hand, I can’t generate much income from it, so I spend so much thought on it. There is no need to choose fund products. Point 2 is the root cause. A wealth management product in Fubao has caused two of my colleagues to lose money. One of them has lost more than 30,000 yuan in the principal of 80,000 yuan. Fortunately, I have not purchased any financial products other than a certain ebao in a certain Alipay. Anand’s prediction was very accurate.
③Bank fixed deposit
Fixed deposits are the safest way to save money. Five years ago, the interest rate of bank deposits was relatively high, especially the local joint-stock banks gave relatively high interest rates within the legal scope. Now, five years later, the interest rate has dropped a lot, and the interest rate of the six major state-owned banks is even lower. For example, the one-year interest rate of CCB is 1.75%, and the local city commercial bank can reach up to 2.25%. Except for large-denomination certificates of deposit, I don’t have 20W, so I can’t handle large-denomination certificates of deposit.
Before the action of breaking the card, when I apply for a card in a bank, I usually ask to activate the professional version of online banking or mobile banking, so that I can apply for a fixed deposit without going to a bank branch. Because of this, I used to withdraw my fixed deposit in online banking in advance, and then spent it.
In order to keep myself from falling into a quagmire, in April this year, I decided to apply for a passbook. A current passbook occupies a Type I account, and I can only apply for a regular passbook.
Comparing the interest rates of lump sum deposits and withdrawals of all local banks, a commercial bank has the highest interest rate.
| shelf life | Annual Interest Rate (%) |
|---|---|
| three months | 1.43 |
| six months | 1.69 |
| one year | 1.95 |
| two years | 2.73 |
| three years | 3.5 |
| five years | 4 |
If the deposit is more than 10,000 yuan, the lump-sum deposit and withdrawal rates are as follows:
| shelf life | Annual Interest Rate (%) |
|---|---|
| one year | 2.25 |
| two years | 2.85 |
| three years | 3.5 |
| five years | 4 |
On the day I entered the city, I went to the bank to apply for a regular passbook. At the same time, I saw that CCB’s passbook was very beautiful, and I also went to CCB to open a passbook with a huge sum of 1,000 yuan.
Figure: Two passbooks
Bank staff said that at present, banks generally do not handle current passbooks. If you need to apply for current passbooks, you must provide proof of work and other materials just like applying for a card. However, some people still apply for regular passbooks, and they only need their ID cards.
A few days later, when I entered the city for the second injection of the hepatitis B vaccine, I went to the Municipal Social Security Bureau to issue a social security payment certificate, and went to the bank to open a debit card for a class I account, but I did not have online banking and mobile banking functions. This card is not bound to any payment platform. My plan is to transfer the money to be deposited to the debit card account of the commercial bank after the salary is opened. When I go to the city to do other things, I will stop by the bank to withdraw the current balance and deposit it into the regular passbook.
After applying for the passbook, I checked online the experience of applying for the passbook shared by others. One user commented that impressed me:
Why is there a savings account these days? ! Isn’t it all bank cards and apps now?
One user replied:
The bank card app is bound to the mobile phone, and then it is convenient for consumption. Hahaha, I also get a passbook. When I spend money, I have to go to the bank and I am too lazy to go, and the money is left.
This reply hits the nail on the head.
I saw two videos, and made comments on the role of passbooks in saving money and controlling impulse spending:
” Passbook is back? Many college students started using cash and passbooks, what happened? 》
Using passbooks to control your spending desires is an effective way.
(3)
I used to suffer from consumerism.
At present, capitalists take advantage of the weaknesses of human nature to precisely strike. With their promotion, the hardware facilities that Internet consumption relies on become more and more convenient, which enhances our impulsive consumption behavior. When we use online payment tools, or even borrow for consumption, we only see changes in numbers, and we don’t feel the pain when banknotes are handed over to merchants. Even, some platforms induce us to pay without password, it is so easy to spend money, and then save the password, can we still think about it when paying?
A few days ago, I used another domain name that Alipay gave me to renew the fee. Since I unbound the physical bank card and only bound the Liaoning Zhenxing Bank digital bank card with a balance of 0, I chose online banking to pay. The online banking interface that Alipay jumps to is very difficult to use. I have tried different banks, and they all require very complicated operations. When buying tickets on 12306, the online banking payment interface jumped to is completely different from that of a certain Alipay, and you can even use mobile banking to scan the code to pay. I have reason to suspect that a certain Alipay deliberately increases the difficulty of online banking payment, induces you to use fast payment, and reduces the difficulty of consumption, thereby reducing the hesitation time when you consume, and making it easier to spend money.
On Zhihu, some people who seem to be high-income white-collar workers in the center of big cities ask with a sense of superiority, “Why don’t banks completely ban passbooks?” “Now that bank cards are so convenient, is there any need for passbooks?” , I never thought that there are still a huge number of people at the bottom of the society who can’t pay with mobile phones, can’t use ATM machines, or even be fooled into buying insurance when they make deposits in some banks. The China Banking Regulatory Commission assumes social responsibilities and will not allow capitalists to act recklessly. According to the documents of Guoban Fa [2020] No. 45 and Banking Insurance Jian Ban Fa [2021] No. 40, traditional transaction media such as passbooks, deposit certificates, etc. must be retained; Bank Announcement No. 10 [2018] and No. 18 [2020], no institution or department shall refuse to accept cash, and a small number of institutions that refuse to accept cash have been punished. For example, the Didu Suburban Railway did not allow passengers to use cash fined for buying tickets .
Some people may say that impulsive consumption is your lack of self-control, don’t blame others. Our self-control declines. Isn’t it because “others” boiled frogs in warm water through the above method, and we are slowly forced to change various habits.
Note: I have capitalized some of the amounts because I am worried that some people will question my wrong number; the “city” in this article are all prefecture-level cities.
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