Just like the "straw hat curve", we can only use a short life of about 35 years to carry our life of 70 or 80 years. Maybe this is far from the truth. After all, there are old and small stages in the world, and you are living for three generations.
It is easy for us to bury our heads in making money and ignore the importance of financial management. The gap between people is the distance caused by repeated choices under the influence of cognition. Making money is important, but financial management is icing on the cake.
Never fall into the misunderstanding that "wealth management belongs only to the rich". Ordinary people need to accumulate and optimize wealth through "financial management". Repeated choices and actions related to wealth are actually combing and changing life. In essence, "financial management is to manage life".
Wealth accumulation cannot be achieved overnight, and it is essential to open sources and reduce expenditure. Generally speaking, it is based on "controlling consumption and developing liquidity skills". Financial management is a systematic project, which runs through people's life and is constantly adjusted according to their living conditions.
Here are some ideas about two-year deposit100000 to share with you. Be careful! Not bad for fresh graduates. )
First of all, a firm "saving rule"-one third of disposable income+one half of bonus income.
Deduct fixed expenses such as rent, car/mortgage from your daily income. , that is, disposable income, and put one third of it into a special account for financial management (only in and out). Don't squander the holiday fees, bonuses and other income with a long interval, and save one half.
When my salary is 4,200 yuan, my disposable income is 2,700 yuan, which is saved every month 1000. I paid a bonus of 30 thousand and saved 20 thousand. The salary in the second year is 5700 yuan, the disposable income is 4200 yuan, and 3000 yuan is saved every month. In the second year, 40,000 yuan was saved, 30,000 yuan was saved and 66,000 yuan was saved.
I have saved100000 in two years, and saving money is really addictive! However, it is also necessary to combine the methods of "reducing expenditure" and "opening source" at the same time. The most important thing is perseverance and perseverance.
Second, the three methods of throttling
Open source depends on ability, and throttling depends on perseverance. Not everyone who insists on running three kilometers can solve the Olympic math problem, but we can run three kilometers first and then learn how to solve the Olympic math problem.
Reducing expenses is the first and most important step in financial management. We should know how to make money and learn how to spend money.
① Set the expenditure limit.
Be sure to set yourself a spending quota, which is the first step to reduce spending. In this way, you will consider the price factor before spending and avoid impulsive spending.
It is recommended to download the accounting APP and use software to assist in the management of expenditure flow. My usual software is "handwriting". There are many accounting software on the market, which can analyze your expenditure structure well for you. You can choose according to your own situation.
Bookkeeping is an important step to control and understand expenditure. If you don't even know how to spend the money you earn, it will be difficult for you to use your money effectively.
(2) Daily necessities should be cost-effective.
For daily necessities, we must consider the cost performance. Life is not necessarily beautiful at the beginning. Let life and income match first, and then let income improve life. Living within your means, excessive pursuit of quality will only make you live beyond your means and fall into crisis.
Compare the prices of shopping platforms before consumption, do a good job of raiders and buy the most cost-effective things. Don't be lazy, saving is earning.
3 "separation" before consumption.
Before consuming, ask yourself "Do you really need it", "Can't the original one be used" and "Can't it be used?" Repeatedly asked three times and added "Is the available quota enough?" . This kind of soul three questions plus quota warning is really useful!
It takes ten years and one minute to earn money. Reasonable throttling, avoiding unnecessary expenses and applying the principle of cost performance are the greatest respects for your hard work.
Third, the three methods of open source
① Deeply cultivate the main business+improve the comprehensive quality.
Don't spend all your energy on overtime and socializing, make time to improve your professional level. After all, you won't make money beyond your knowledge.
Reaching the top of your major may give you a raise, but it may not necessarily lead to a promotion, so training social skills and improving emotional intelligence are also effective ways to promote and raise your salary.
(2) Develop a sideline that interests you.
Income is the same as investment. Don't put your eggs in the same basket. Those who are not so flustered and anxious during the epidemic period must have sideline income. Only by exploring various cashing skills and increasing "after-sleep" income can we realize wealth freedom faster.
You'd better choose what you are interested in as a sideline. At least you can get one by increasing your income and ceramic mood, and you won't lose anything!
③ Selling secondary resources.
You can realize that the resources you use will bring you income according to your own situation. For example, selling idle items can increase income and bring convenience to others. I often hang my idle clothes, electrical appliances, books, training courses, etc. I have earned 2305 yuan on idle fish so far.
For idle items, it is a pity to lose them, but the best way is to hang them on second-hand platforms. If you don't even care about this, you really can't make money.
Finally, I want to say that a person who can control his living expenses, explore and improve his ability, and rationally allocate wealth resources will certainly manage his life well.
The best time to plant a tree is ten years ago and now, so collect these suggestions and take action!
About the author: Smile and be happy. Echo: Live a free life in a self-disciplined way, paying attention to emotional sharing and personal diligence. Pay attention to me! Become beautiful, rich and happy together!