A sign of someone getting rich: your attitude towards money changes

I believe that my initial change was naturally due to the sluggish market causing a job change and a salary cut, but during this process, I was able to go from living paycheck to paycheck and accumulating debt to now having a monthly surplus, managing my money with a plan. Most importantly, I did four things right, which ultimately adjusted my view of money: 1. Work hard to pay off credit card debt and stop overspending. Last year, during the first four or five months of reducing my expenses, my monthly repayments were still high. I reviewed my bills and found many installment plans from before, scattered across different accounts, adding up to a significant amount. Plus, with multiple accounts like Huabei and several credit cards, the total was even more shocking. It took me half a year to gradually pay off these debts. Since then, I started using my debit card more often instead of credit cards, so I could see my expenses more clearly and keep track of my balance in real time. After paying off all my credit card debt this year, I began setting aside a fixed amount each month. I save one-third of my salary every month. If I have any leftover money, I no longer buy unnecessary things to "reward" myself; instead, I put it directly into savings. Seeing my savings grow again makes me feel fantastic! 2. Don’t chase bargains or hoard items; only buy what you can use immediately. I used to love trying new things—wanting to test every new model besides the latest one. Hoarding was manageable because I would eventually use everything up, but buying a bunch of useless stuff was troublesome. I’d open it, use it once or twice, then toss it aside—wasting money. Now, I’ve changed my habits. I only buy things that are necessary or that I need immediately. Occasionally, if I impulsively buy something, I review it afterward and choose to return it. 3. Be brave to talk about money; don’t feel embarrassed when facing acquaintances. Over the past two years, many colleagues have had conflicts or been "optimized" out of their jobs. Knowing I handle financial matters, they come to me with their problems. I used to be shy about discussing money and would help everyone for free. Some people paid voluntarily, but many just thanked me after I spent a lot of time helping them over a week or two. Now, I carefully evaluate each case. For simple questions that can be explained in a few minutes, I don’t charge. But for more complex situations requiring significant time and effort, I outline the process and inform them of the subsequent fees. Surprisingly, most people are happy to pay, especially since I offer friends a discount—friendship prices—so they feel no debt, and they’re not afraid to bother me. It makes both sides more comfortable. 4. Plan your spending and consciously manage your funds. This August, I plan to go diving in Egypt, so I’ve started saving accordingly. My current savings of 40,000 yuan are enough to cover my trip expenses, which makes me feel more at ease. Given the poor economic situation, I prefer to spend less and save more. Next, I plan to save for this year’s insurance, emergency funds, and other payments due at year’s end. Living with a plan enhances my sense of control over life, gradually restoring order and improving my ability to manage and perceive my finances. At the same time, I am building my personal management system to make controlling my life more convenient and intuitive. #Gate广场五月交易分享