"No one can write a good hand naturally. Only by a lot of practice the day after tomorrow can you become a master of calligraphy. So is financial management. There is no such course in school. Only by learning more about financial management knowledge and understanding different ways of investing and managing money in life can we manage money well.
Perhaps we have heard the experience and truth shared by many financial experts and experts, but there is still no way to manage money well. Yes, financial management needs more practice. The best way is to participate in different forms of investment, such as funds, stocks, online loans, insurance, credit cards and so on. As the saying goes, "all roads lead to financial management, which one is faster" is to find the most suitable financial management method for you.
You know, fat people are not eaten in a day, and the poverty of young people is not caused in a day. Aimless shopping and unrestrained consumption are the biggest enemies of money. If you want to lose weight, you must control the absorption of calories and increase exercise consumption. Similarly, if we want to save money, we need to increase wages and avoid unnecessary expenses.
Simply calculate an account. If you keep saving in 500 yuan every month, you will get 6,000 yuan a year and 30,000 yuan in five years. You can sign up for training, travel abroad for half a month, and even consider buying a scooter with a loan.
If you insist on bookkeeping, you can find the "latte factor" in your life by looking back at your consumption last month, and you may save a lot of money every month. Saving money and keeping accounts is the basic course of financial management. There is no shortcut, you can only stick to it and get a reward. "
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Precautions for novice financial management
While making a financial plan, we should also determine the financial objectives, such as 1 month, 3 months, 1 year or even longer. However, it should be noted that some people may set their goals too "ambitious", such as becoming millionaires and multimillionaires in one year ... unless their original salary is high enough, they should give up these unrealistic fantasies as soon as possible.
The farther the goal is from yourself, the less obvious the incentive effect can be. And after a long time, you will gradually lose confidence and eventually give up investment and financial management. Only by achieving small goals first can the road to financial management go further.
Choosing investment channels is an important part of financial planning, but when making it, don't have too many illusions about income and don't always think about getting rich overnight. For example, some people want to make a fortune by speculating in stocks and futures, but these investments are also risky, which can make people earn a lot or lose a lot.