Why would someone make you feel that he is very stingy, even...

Why does someone make you feel that they are very stingy, even inviting friends for a cup of coffee would make them feel very painful?

Yesterday when talking on the phone with my friend, we talked about this topic.

Because of this friend of mine, he has a friend who is in this situation.

Every time when eating, if someone else pays first, he will pretend as if nothing happened, will not say anything, and will not return the money to that person.

Actually, the income of this good friend of mine's friend is pretty good.

Basically, every month earns more than ten thousand.

But why are they still so stingy???

This is a question worth pondering.

Because around us, there must be one or two friends like this.

They are mostly very penny-pinching and unwilling to spend a cent.

If there are any benefits from friends, they must be greedy, and everything is calculated to the fullest.

What reasons lead them to be like this?

I'll start by mentioning myself.

I am such a person, and it has been like this since I entered society until I was 22 years old.

Why is that???

Because I wanted to save money, very eager to save every penny.

#This led to being very nitpicky about everything around me.

Very frugal towards myself and towards family and friends.

When did I finally change???

When I was 23 years old, because I was cheated in a money game for rm0.26 million at that time.

At that time, I regretted very much why I had worked so hard to save money for so many years.

I didn't spend it myself, but still owe the banks 0.14 million in debt (out of this 0.26 million, 0.14 million was borrowed from the banks).

Since that time, I have learned to be kinder to myself.

Even if you don't spend it yourself, there will be someone else who will spend it for you 😂😂

At that time, I was scammed out of money.

Then, my good friend was also very stingy at first, but later became more generous.

#We will start thinking

Why would someone be so stingy???

Very stingy towards oneself or people around them

We have summarized several reasons.

#First

Large proportion of expenses compared to income

For example, this person earns RM 3500 a month

And the fixed monthly expenses are RM 3000

So this person naturally cares more about money, otherwise he won't be able to save for himself

Even if you earn RM 10,000 a month

And you are the sole provider for the whole family

The household expenses are rm9500

Naturally, you will become very stingy and lonely 😂😂

#Being a miser is actually not a good thing

I must tell you very responsibly

#Although saving is important

But

Earning is more important than saving, at this point you should invest in yourself

Invest in what???

For example, in terms of networking, you should invite those who are much stronger in thinking than you to dinner.

Because every dinner will greatly improve your thinking.

#Buy some books to read when you come back.

Increase your knowledge in all aspects.

Or take some courses, which can help you earn more money in the future.

#These are all very important.

You must find ways to improve your abilities and earn more money when you have little money, making more money to invest later.

This way, you will be able to save more money for investments.

Let your money start working for you so that you can achieve financial freedom.

If you are like how I used to be, just saving money all the time.

Being a miser, people around you will feel disgusted.

#Then you won't be able to grow your own brain.

Basically your money won't grow.

#Because you have no way to grow your source of income.

Your savings are very limited.

#A change in mindset is the most important.

I dare to say loudly, if I hadn't changed my mindset at that time, my assets would now be missing a zero.

There will be a big difference.

#Then I talked with this friend about another type of person.

He is particularly generous to the people around him.

Basically living in the moment, everyone is living paycheck to paycheck.

These two types of personalities are very different.

And these people often feel hopeless about life.

For example, he earns RM 3500 every month.

Unable to see the hope of buying a house, getting married, and having children, he feels that even if he saves a few hundred yuan each month, there will be no significant change in his life.

It's better to just spend all the money.

Although these people may be happier in life.

Because after all, they live in the present, being a little kinder to themselves, but financially they lack a sense of security.

Because they have not saved any money.

So if they lose their job, it will be very dangerous.

I will summarize for everyone.

#First
When you are poor, earning little money and having little savings.

You must find ways to earn a little more money.

For example, you can have a side job, work extra hours, or start an online business.

When you are poor, remember not to be too stingy, or else you might lose big due to small savings.

#Invest more in improving yourself.

#第二

Remember to spend money wisely, treat yourself well, and find a balance between saving and spending.

Trust me, if you don't achieve a balance.

You see the money being saved.

You will not be happy either.

You will lose a direction, wondering what exactly is the point of saving money???

Because life is too stingy, causing you to lose a lot of joy in life.

Because I have experienced this process, I understand the feelings at that time very clearly.

#第三
You must find a way to learn to invest, even if you are not familiar, you can consider putting the money in epf or buying stable bank stocks or reits for rental income.

#Fourth
Never lose hope in life.

Actually, we are very fortunate in this country.

For cars, we can buy second-hand or domestic cars.

Plus, it is permanent ownership.

Unlike Singapore, where there is only a 10-year lease and you have to buy a car certificate again.

We also don't need to buy expensive parking spaces like in Hong Kong.

a house

We basically have the choice of houses between RM200,000 and RM400,000.

Not as expensive as in foreign countries.

And it's permanent ownership.

For medical, we have nearly free medical care provided by the government.

RBOB gasoline is basically one of the cheapest in Asia.

As long as you work hard.

Our country is full of opportunities.

I think one should strive to progress in life rather than choosing to be flat.

Lie flat

Although it may feel comfortable at first, you will have to work hard for a lifetime.

Perhaps working hard for 10-15 years at the beginning will be very painful.

#But basically your wealth has accumulated.

Just by living on interest alone, it is already enough for you to relax at home for a lifetime.