Once said:

“From birth to death, every step of life should be a cash transaction. If we’re not like this, then heaven is not a place governed by political economics, and there’s no place for us.”

From ancient times to the present, many people have talked about money, even famous people couldn’t avoid this word.

Life makes people ordinary, and some people become not so ordinary. When it comes to money, many people become ordinary.

One person can’t live without money, and a family can’t live without money either. An individual hopes to have money, and after having a family, they hope to make their family better and have some savings.

Like during the Spring Festival this year, we encountered an epidemic, and the village was locked down. People couldn’t go out, and few people could come in.

At that time, people without money had no good days because they had to buy everything, and they couldn’t go out to earn money. That’s when we realized the importance of savings.

I remember a neighbor who borrowed money everywhere because they had no money to buy food and drinks after the village was locked down. The neighbor was very anxious and finally had to seek help.

So, having some savings is better, which gives you a sense of security. If you don’t have savings, you’ll be in trouble when something big happens, and others can only help you for a while, not for a lifetime.

At any time, only having your own savings is real security.

A family always lacking savings is mostly due to these three reasons, and it’s time to wake up.

Not Earning Money

Famous writer said:

“A bowl of water seems clear, but if new water doesn’t flow in, it will dry up over time.”

Sometimes, a family wants to have savings, but they need to keep earning money from outside. If they don’t know how to earn money, even if they have some money, it will be spent.

Those who have savings have basic earning abilities. Although they may not earn much, they will work hard to earn money.

There are many people around us who have hands and feet but no savings. Some are healthy and strong but still ask for money on the street. These people are lazy and don’t want to work hard, so they won’t get much in the end.

Those who earn money outside are pursuers, and they can have savings.

Savings are not obtained by waiting; they are earned through hard work.

Those who don’t earn money and don’t have savings are not working hard. There’s no free lunch, and a good life requires hard work.

If someone or a family has never worked hard, they will either stay in the same place or get worse.

Living a good life is difficult, but falling is easy.

Spending Money Recklessly or Having Many Unexpected Expenses

A family without savings might be due to their consumption concept.

I remember when I was a kid, our family had a lot of food, but my cousin would always waste food. Every time he came to our house, he would throw away a lot of food during meals, and sometimes even throw it outside.

It was a famine back then, and our family didn’t have food. Sometimes, money and food are the same; if you have a lot of money but waste it, you’ll find that when something important happens, you’ll have no money.

So, around us, there are many people who seem to live a very comfortable life, buying whatever they want without worrying about money. But when they encounter difficulties, they’re the first to borrow money from others.

A friend told me:

“I earn 50,000 yuan a month, and my wife earns 40,000 yuan a month, but we can’t save 10,000 yuan because my wife likes to buy luxury goods.”

So, many people are like my friend, earning a lot of money but spending a lot, so they can’t save.

Of course, sometimes families have major expenses, like someone suddenly gets seriously ill, and they spend a lot of money. In this case, the family’s savings will be depleted.

So, being cautious is most important in life, and we should exercise regularly to keep our bodies healthy.

Always Lending Money to Others

“A married-out daughter is like spilled water.”

This saying is about marriage, but sometimes you’ll find that when you lend money to others, it’s like giving away your daughter—you might not get it back.

Lending money to others is like giving away your daughter; when you lend money, you’re a good friend to others, but when you ask for it back, others might not want to give it back or even ignore you.

Smart people won’t lend money to others because they know that once they lend money, they might not get it back.

Moreover, some people who lend money to others might even bring trouble to themselves. Others might think of ways to harm them, which can be dangerous.

Those who always lend money to others seem to have a lot of money, but in reality, they might not have a single penny. The ones who keep their money in the bank are the safest.

A family always lacking savings usually has reasons, and the biggest reason is that family members don’t manage their finances well. Sometimes, unexpected expenses occur, and they’ll spend a lot of money.

But some people are good at lending money to others, which seems like they have the money, but in reality, it’s already someone else’s.

Living in this world is not easy, and managing a family is even harder. Smart family members will work together to earn money, calculate their expenses, and lend money to others carefully to avoid unnecessary losses.