My experience, share with you

I was born in the 80s and was born in a remote mountainous area of ​​Guangdong. I am now working in Shenzhen for 15 years. Today's publication of this article is not to show off or boast, because there are always young people who have complained about how to use wages, how to work, how to not work, and want to borrow money to open a shop to be the boss. Some of them have repeatedly warned: It is not as easy to do business as you think. The most basic thing is to learn to manage your finances. If you don’t learn to manage your finances, you will be blinded to you. Maybe it will hurt you for a lifetime. This is not an exaggeration. I already have a few around me. An example of a young boy's ambition, because it feels very easy to come in the early days, you can earn it when you are finished, and even feel that the money is so good after you earn it. Why do you want to go to the province? I also talked about the concept of consumption abroad. When I encounter some difficulties, I have no resistance. If I don’t have the basic living expenses, I will rely on borrowing. If people are poor, it will be difficult to establish a letter, which will make your credit step. One step down, after this happens, if you want to start a business again, it will be more difficult. So today I want to combine some experience with young people. Think that the useful person accepts it, knows that the useless person discards it, and does not like it. I have not graduated from middle school, and I don't have the ability to write. The level is limited. If there is unclear expression, I hope to understand.

I started managing my own pocket money from the third grade, bought my snacks with my pocket money and exchanged scraps with my peers, and then sold the waste to the recycling bin. In the rural areas of the 1990s, children rarely touched snacks, so they turned to diligently looking for waste in the face of snacks. In fact, many neglected wastes in people's lives have made me happy.

In 1997, I entered the middle school era because middle school students were reluctant to waste. Perhaps in 1997, everyone's living standards improved. My old method is no longer working. I found my own "business" during the middle school on a rickshaw. I learned that the pedicure is actually changing parts, and the parts have different old and new prices. I thought if I could take parts from a rotten bike and sell it to the garage. This should be able to earn a certain amount of labor costs. I bought a bad bicycle in the village and tried to sell it. I felt that there was still a profit. Later, the worst ones could also earn scrap money. In this way, I can earn more than 25 yuan a week, and my life is still moist. In the second semester of the second day, I received a bicycle. I don’t know if my alumni had the heart or the intention to steal the new principal’s scorpion’s bicycle and sold it to me. He also deliberately broke the wheel. He said it was his own. After receiving the result, the new official took up three fires and gave the school the charge of selling the crime, threatening to expel me. Because I was sensible since I was a child, when my class teacher called my parents to let me go back to school, I said that I could handle it well, so my parents believed me. But when I went to study, I never dared to step into the school. I am not satisfied with my heart, I will not read it in an angry manner. In fact, the person who steals the bicycle has not been expelled, perhaps self-respect, afraid of people laughing at my family without money, etc. In fact, my parents have given me life every week, I just saved the money. This ended the school.

When I entered the society in 1999, I had a deposit of 1,700 yuan in my own drawer. I followed my brother down to Shenzhen. After I started doing school migration in the museum, I went to 300, 600, 800, 1100, 1300, 1600, and 2,000 yuan. In 2007, I saved 80,000 yuan. In fact, apart from giving my parents money or buying supplements for my parents, my salary is basically not needed. At that time, the museum was in the industrial area, and many factories had to copy. In the process of printing contracts and printing business cards, I learned that each factory needs to find suppliers and customers. I acted as an introducer. Because they are all single-handed, the success is very high. After the success, both of them will give me A certain fee, there is no communication at that time and there is no need to spend any money. So basically enough. My boss wants to change a new house, and sells the old house to me for 65,000 yuan. I originally wanted to decorate it, but I later found out that I could rent it for 600 yuan/month without self-occupation. I also often look at the renovation of the new house. I feel very comfortable after the decoration, and I don’t spend much money. I know that a decoration material is called “wallpaper”. The company opened by the boss’s friend is really cheap and comfortable. Degree attracted me, I told my boss that I want to go to the wallpaper company to work, let him introduce me, so I went to the wallpaper company, the wallpaper company mainly engaged in wholesale and large projects, contact with some wallpaper manufacturers and wallpaper The store has been running in major building materials markets in Guangdong Province for many years. Although all expenses are reimbursed, but the salary is only 800 yuan plus the commission is more than a thousand yuan. In the past, there was no habit of saving the documents in the store, and the other is to spend love.

Until 2019, I saw a shop in the small street next to a building materials market in Shenzhen City. I rented a small street without a transfer fee of 1,500 yuan/month. I think that I have ran so many building materials market and my own knowledge of wallpaper in these two years. With some resources, a wallpaper shop was opened. Opening a store can never be budgeted. The investment is more than expected. If the money is not enough, the original house will be sold. My house sold for 130,000 yuan. Although it is heartache, it is also a helpless move. From a young age, it has its own habit of managing money, hindering the face. I don't know how to borrow money from others. Suddenly there was a surprise, my girlfriend was pregnant. At that time, I also reached the age of marriage. My parents also said that I was getting married. I was married, but the house sold empty, and the original house no longer had rent. There is no ritual in my wedding. I only give 10,000 mothers a "mummy money" to my mother's family. Although she is not happy with her mother's family, she will have raised her daughter for more than 20 years. My wife is not from Guangdong. I even thought that I wouldn’t look down on other provinces. I only sent 10,000 yuan to send their family. Later, I communicated with them. Marriage is not a temporary one. I need money to open a shop. I don’t know how to operate a new store. The income, to leave 100,000 yuan to give me the original financial management, the monthly income of 1300-1500 yuan to get the income to ensure my wife's daughter during the period of birth and the baby's basic living expenses. When my business is stable, I will honor you both old, and my wife and her sister have done some ideological work with the family. This convinced the mother's mother. Going far, go back to business.

There are no ceremonies in the opening of the store. There are not many door-to-door visitors. They are all cheap papers for opening stores. These papers have no profit. Many new homes are not willing to believe. Fortunately, the expenses are small, and I am alone in Shenzhen. But there is business every month, and there is more than one rent. It is much simpler to eat a person. I often buy a few dollars of pork and put it on a rice cooker to eat two meals. When I have to send a living to my hometown, I have tried it. A bottle of bean curd is eaten for a week. The business is getting better in January and January, but as the baby’s birth expenses are also getting bigger, the money earned in the store can be paid down. The money return of the wealth management has been saved. It is 2019 to welcome the second baby, financial management. The deposits have been just enough to pay a fine. The business in the store has also stabilized, and the expenses can still be met, but there is still no savings in this way. In that year, Shenzhen's urban standard management was strengthened, and many of the stalls were rushed away. I once passed the Shenzhen agricultural wholesale market and learned that the wholesale price of fruit and the retail price were bigger than my wholesale wallpaper. I started to make banana stalls and surrounding supermarkets. They sell about 2.98 per catty. My target group is locked in the people who have carefully counted the life. I only sell 1 yuan, not less than two pounds. I pick some low-selling products for 0.5 yuan/kg, and then I can’t sell them. of. The free trial sales volume is also getting bigger every day. Even the fruit shops around me tell me that they can't sell their bananas. The old lady said that I am a fool and I am dead. Some young people say that it is not good. It is too cheap. After half a month, I really didn't make any money, but it was very popular. It took only 15 days from 150 kg a day to 400 kg a day. It was quite stable and fast. Everyone who knows business knows that there is a natural gas, and I have added two products, honey pomelo and pineapple honey. These two products are sold and resistant. I have already earned 2,000 yuan in one month, and I can earn more than 9,000 yuan in the second month, but what is more interesting is that the surrounding fruit shops really don't sell bananas. As a matter of fact, don't really look down on the stalls. I started my career as a stall. This deposit is very well arranged. The profit of the wallpaper shop is enough for the expenses or the surplus. I can save about 150,000 yuan a year. Since I have such a stable financial management, I naturally let go of my spare money. After a few years, I will be at the end of 2019. I have saved nearly 40,000 yuan, still want to buy a house in Shenzhen, children are easy to read, the results look at the surrounding prices are already very high, can only buy a set of waiting for the demolition of the old house 1.2 million 70 square meters. I wanted to take out all the financial management and buy it, but I listened to my friend's suggestion and waited until the policy of March 2019 came out, because I always sold the wallpaper in the daytime, and I forgot to pay attention to the price there, from March 2019. After 30 days, it went up all the way. Until September, I couldn’t resist the heart’s purchase of 1.81 million. Plus, I earned it in 2019, and I added a credit card to make the first payment. However, during this period, I also experienced some people and things, because I have always had business, and I have normal income. It is inevitable that some relatives and friends will borrow tens of thousands of them. I didn’t even receive a penny when I bought a house. All of them said that they could not be given to January next month, and they had not received one point in the past three months. If you don't know how to manage your finances, you are really more profitable. It is not feasible to borrow money to start a business.

This is the experience of a 16-year-old boy from the countryside, to share with you! Still hope to give some young people useful inspiration, but also hope to provide a reference for some elders education! ! ! !