Should we save money or eat, drink and be merry?

Choosing to save money or eat, drink and be merry depends on one's economic situation and life needs. If you have enough money to meet your daily expenses and fun, you can enjoy your life properly and don't have to be too obsessed with saving money. However, if your financial situation is tight, or you have long-term financial goals to achieve, then saving money may be more important. In any case, we should allocate funds reasonably and balance the relationship between current life and long-term financial management goals.

The significance of trying to save money is as follows:

1. Future living security. By time deposit or purchasing wealth management products, you can accumulate some wealth for your later life or educate your children, protect your life and deal with emergencies. This is the most basic and important significance.

2. Financial freedom. Through long-term continuous deposit and financial management, we can accumulate certain wealth and realize financial freedom, and will not cause difficulties in life because of a decrease in expenditure or income. It takes a long time to work hard, but it can achieve a higher level of living security.

3. Wealth appreciation. By choosing certain deposit and financial management methods, money can appreciate to a certain extent, such as time deposits with long life cycle, stocks, funds and other financial products, and wealth will not depreciate under inflation. This requires a certain sense of investment and risk tolerance.

Comparatively speaking, carpe diem pays more attention to the present satisfaction and experience. Its significance lies in bringing physical and mental pleasure and relaxation. But it will not bring the above-mentioned living security, financial freedom and wealth appreciation.

Therefore, the two should not be completely opposed, and the key is to properly balance them. My suggestion is: we should try our best to save money for living security and future planning, but at the same time, we should enjoy life properly and enjoy life in time. We should not only have the consciousness of taking precautions, but also know how to use wealth to improve the quality of life. Saving too much money may not be worth it, but eating, drinking and having fun too much will cause economic burden. Moderation is the key.

To maintain a moderate deposit while enjoying life, there are the following suggestions:

1. Define the deposit target and make a plan. For example, the proportion and amount of monthly deposits, and the choice of investment and wealth management products. With clear goals and plans, you can enjoy life step by step and realize savings.

2. Set aside the deposit part of income and deposit it at the first time. After the income is recorded, set aside part of the deposit as soon as possible and deposit it in wealth management products or time deposits. This can avoid the situation that there is no balance after the remaining expenses.

3. Rational consumption. Learn to be thrifty in daily consumption and try to avoid impulsive consumption. Buy goods or services that are worth the money, not things that you can't afford. Keep your expenses within the budget.

4. Have an "interesting fund". In addition to the normal living expenses, you can also set aside a part of the "entertainment fund" for entertainment, recreation and experience every month. The use of funds should be reasonable and should not affect normal deposits. This can meet the needs of eating, drinking and having fun in life.

5. Diversified investment and wealth management, rational value-added wealth. In addition to time deposits, you should also know a variety of financial management methods such as stocks, funds, real estate and gold, and choose one or two methods that suit you. Under the premise of controlling risks, let the money increase in value.

6. Perseverance and long-term persistence. If you want to enjoy life and save money at the same time, the most important thing is to persist for a long time. It is necessary to develop the habit of saving money, keep saving every month and invest in financial management for a long time. Slowly, you will see the growth of the balance and experience the comfort of life and the appreciation of assets.

Here are some additional suggestions:

1. Spend money according to the opportunity. In life, we should learn to distinguish which expenses are necessary and which expenses can be postponed. Give priority to the most important aspects of limited funds. Such as daily necessities and health care. Other consumption can wait or wait for next month.

2. Do more price comparisons. Before any consumption, we should browse the prices of various businesses and look for cheap and good choices. Especially for large consumption, it can save hundreds of thousands. We should pursue cost performance while meeting the demand.

3. Clear budget and strict control. In the monthly income, take out the savings first, and then allocate the rest of the expenses reasonably, such as catering, transportation, entertainment and so on. Try not to exceed the budget in various fields, and adjust other expenses in time if it exceeds the budget. Strict budget control can avoid uncontrolled consumption.

4. Consciously increase sideline income. In addition to the main business income, you can choose some sideline businesses to increase your income, such as part-time, online stores, investment income and so on. Additional income can effectively increase the monthly deposit amount without affecting normal consumption. But sideline business also needs to be done slowly, without being too tired.

5. Enjoy the small expenses of life appropriately. Life should not be too frugal, but should be rewarded and enjoyed appropriately. For example, eating with friends, watching movies, traveling and so on. Although these expenses cannot be completely classified as necessities, they can improve the interest and taste of life on the basis of not destroying the normal deposit plan, which is worthwhile.

According to the above principles, I believe you can achieve your monthly deposit goal while enjoying your life. The key is to plan carefully and reasonably, strictly control the budget, increase other income and reward yourself appropriately. As long as you persist for a long time, your wallet and life can be well balanced.