You know, the best "learning" is "teaching".
the day before yesterday, I did some practical exercises according to this theoretical basis.
first of all, I sorted out all the funds and liabilities on hand.
I always thought that the funds and liabilities in my hand could be balanced. Only after finishing sorting out them did I find that the liabilities exceeded the funds by more than 2,.
add up all the funds in the bank card and Alipay, and there is 1541.31.
add all the credit card bills and the debts of Huabai, Weipinhua and JD.COM IOUs, and the total amount is 12,844.55.
As for the debt, there is a very worthy reference in Qian Qian the Dog. Just pay the minimum repayment first, and don't rob Peter to pay Paul.
it's the poor people's thinking that they want to pay off their debts at one time.
I've always thought that my debt is a little small, and I don't have a better leverage. The best way to increase the leverage of my family is to buy a house, but I can't come up with so many down payments at one time, and the house in my hometown is valuable and has no market.
so, I'm not worried about debt at all.
Then, divide the funds according to the theory.
I first made a simple combination in my notebook and found some bank cards that I haven't used for a long time.
Cash pool: China Bank Savings Card+Yu 'ebao+Yu Libao, accounting for 4%, totaling 4,216; This part is for the convenience of use at any time, and the daily expenses and the benefits of Yu 'ebao are better than nothing.
target pool: China merchants bank savings card+51 personal investment, accounting for 1%, totaling 154; I have done two Class I cards for investment promotion before, which can split the target. There are also small investments for more than 1, yuan on 51 people's investment, which is more suitable for the target funds.
Jin' echi: ICBC savings card+GF Securities+fund fixed investment, accounting for 4%, totaling 4,216; Before GF Securities opened an account, it was the ICBC savings card, which was directly used. Most of my little golden goose is still invested in a safe fund, and a few of them try their best in the capital market when the stock market is good.
insurance pool: savings card of China Construction Bank/Bohai Bank+51 personal investment, accounting for 1%, totaling 154. The savings card of Bohai Bank has an account of Tim Jinbao when it is opened, which is similar to Yu 'ebao, and it can be used at any time to get a little income.
after this division is completed, I will find the ICBC savings card, China Construction Bank savings card and Bohai Bank savings card to correct the mobile phone number, correct the mobile phone bank password and update the ID card information.
these three cards haven't been used for some years. if it weren't for the division of cash pools this time, they would still be shelved.
The day before yesterday was Sunday. When I went out, I was wondering if the bank was closed.
As a result, there are some surprises, and they are all at work. There is still one day off during the working hours of China Construction Bank, Saturday; ICBC and Bohai Bank, simply, people go to work every day.
Even banks are so hard to compete and operate. As individuals, there is no reason not to work hard or struggle.
after laying all the foundations, I went to the library to take care of them.
The whole time took an hour. I was almost mechanical, and I divided the funds into four pools no more, no less.
financial management is to fight against your own humanity, and you can't chop and change.
I feel very organized and not so messy after all the classification and care are clear.
Before it was taken care of, Alipay had some funds, which were scattered in Yu 'ebao, Yu Libao and the fixed investment of the fund. It was a part of the savings card of China Bank and a part of the savings card of China Merchants Bank, which can be said to be very chaotic.
now, the financial affairs that feel like a mess are becoming clearer.
Although there is not much money at present, at least the way of thinking about financial management has been formed, and then the habit is formed.
financial management, catch up early, not late.
Buffett entered and exited the NYSE at the age of 13.
Last night, my daughter-in-law said that my previous article had no depth.
I asked her how to be deep, but she couldn't say, just thinking that financial management should be deep and not so white.
this is a misunderstanding.
every time I talk about financial management, it seems like something tall.
The emergence of Yu 'ebao in Alipay has lowered the threshold of financial management, becoming more and more common.
it's not that the richer you are, the richer you are.
after sorting it out like this, I clearly know what I need to do most now.
open source.
I asked her if she felt that she couldn't stand it.
she said, yes.
I hit the nail on the head, is it because I have no success now?
Daughter-in-law smiled. Yes, if you succeed, it's all right to fart.
I agree.
when you succeed, it makes sense to say these things again.
the folded wood is born in the last minute; The nine-story platform starts from the base soil; The journey of a thousand miles starts with one step.
It's no small matter. Only by doing and persisting can you succeed.
for example, I have been running for 12 days, and the mileage has reached 3.14 kilometers.
In the future, when someone inadvertently turns to my sharing of running for 1 days and running for 1 days, what kind of feeling will it be.
either admire it.
either, this guy is a eraser.