Aunt Zhao, who has no idea of financial management, and aunt Han, who is budget consciousWhen I first went to work, I met my colleague aunt Zhao. She is a good person, but she has no idea of financial management. Let alone financial management, she has no good arrangement in daily life. At that time, her son was in junior high school. The husband and wife both worked to earn money. Their monthly salary was not enough. They often borrowed money to support themselves at the end of each month.There is also an aunt Han, who is the same age as aunt Zhao. In one department, the husband and wife's wage earning son goes to junior high school. However, their living habits and living standards are quite different. Aunt Han arranges her life skillfully, and she is careful. She almost never buys food outside, let alone eats in a restaurant. She always cooks at home. But aunt Zhao thinks that it doesn't cost a lot of money to buy something at ordinary times, and it's also convenient. Then she doesn't like to cook and buys it outside, or even goes to a restaurant without any reason. It's this easy job, but it cost her all her salary, month after month.Highlight the family's economic strength when children start a familyWhen their children were young, they could not see the gap between the two families. Until their children got married, the economic strength of the two families showed different levels.Aunt Zhao's family couldn't afford much money and her son's first girlfriend blew up. In the next few years, her son didn't meet the right one. This also gave aunt Zhao the opportunity to reflect and save money actively. At this time, she also reached the age of retirement. She just knew that she was in a hurry to save money and retired. Moreover, compared with the on-the-job salary, the retirement salary was much less and it was more difficult to save money 。 On the one hand, she needs to save for retirement, on the other hand, she needs to marry her son and daughter-in-law. On the other hand, the parents of aunt Zhao and her husband need to take care of each other when they are old. At this time, aunt Zhao feels the pressure and the burden on her shoulders.But what's the use of feeling stressed? When she wanted to buy a house for her son, because it was difficult to borrow money for retirement, she came to me and asked me to guarantee the loan for her. When she worked together with aunt Zhao, she got along well and agreed to her request. Later, I didn't guarantee it. The reason is that if I had a loan, I couldn't guarantee it. It's a good thing for me to have no guarantee. But aunt Zhao's house couldn't be bought. She found other colleagues and was rejected for various reasons. At this time, her son was in his thirties, so she would not marry without a house. She asked aunt Zhao urgently to borrow money from her brother, who finally sold her house to her at a low price and asked her to pay in installments. Finally, the house came to her.Later, aunt Zhao looked after her son's children. After her husband retired, she went out to work to earn money. Her pension was almost spent by her son's grandson, but she still couldn't save money. Because her grandson is too young and old, her physical strength and energy are not as good as before, exhausted.Han's family bought a house soon after her son joined the work. Later, everything went well with her son's marriage and birth. Now her grandson is in primary school. Aunt Han also participates in some group organizations, such as singing, Poetry Association, tourism, and living a relaxed old age.Perception: life style determines quality of life 
From Aunt Zhao, I can see that life style determines people's quality of life.To live a life is to live well in every detail. To save money is to save from every day. If small money is spent at will, then the sum of small money every day will be big money in a month or a year. Everyone knows the principle of accumulating more and less, but it's not easy to do it in practice. Just like our daily bookkeeping, bookkeeping changes our lives, knows what money should be saved, what money must be spent, and plans our lives in a planned way.