I don't think it's necessary to publicly answer the privacy question of how much money I save every year online, and it's of no reference significance to others. Why don't I share some more practical financial advice and help you save more money every year, which I think is more useful than just telling you how much money I can save.
When it comes to financial management, we must say three things, one is desire, the other is the ability to make money and the third is risk control. Talking about financial management without these three things is actually a false proposition. I am very tired, trying to make money, spending all my money casually, but I still have no money. Very tired, very hard, my strength is not used to the point, my ability to make money is poor, I earn less, I can't make ends meet, I can't save money, and I still have no money. Risk control is to give some preventive protection to risks.
Let's start with desire. If we are controlled by desire, we are no different from animals. It's terrible to indulge your desires. Look at the madness of naked loans, and you will know how much harm is caused by poor desire management. Learning desire management is not only good for yourself, but also good for children. Like what? How to educate children to eat less junk food and keep fit? You owe a loan shark to buy your own bag. How can you educate your children not to buy sugar? You deceive yourself, how can you educate your children to believe in the beauty of married life?
Management desire is also divided into two points, seeking true desire and satisfying desire. Managing desire is not simply to suppress desire, but to find your real desire and spend money where it can really satisfy you. For example, what is the purpose of buying bags? To highlight your taste. There is nothing like carrying a canvas bag of Houlang Art (Zhan Sen Art History Publishing House, Art Museum, Smart Planet) to show off your uniqueness in a low-key way. For example, many girls buy beauty cosmetics to satisfy their desires, but do you really need them? Have you run out of lipstick? When managing desires, try "financial thinking" and try to evaluate the satisfaction that this thing can bring you. For example, what can you get if you spend 65,438+0,000 yuan on beauty cosmetics? What does reality bring? This is not a fantasy. For example, some girls say that they can become beautiful if they buy beauty cosmetics. Find a prince charming to help them pay back their credit cards and love themselves for life. This is fantasy. Spending a lot of money on a full-body plastic surgery may not have this effect, so don't pull this reward when you buy some cosmetics. You can actually measure that after buying these cosmetics, you can meet for half an hour. After half an hour, you will start to suffer for the credit card next month. After the evaluation, you will know which desires are real and which are just whim.
After finding your real desire, you must satisfy it. For example, I want to go on holiday with my family. Look clearly, it's a leisure vacation, not a group tour like catching up with the scene. This requires me to book air tickets, hotels and raiders. Five-star hotels, air tickets and resorts are all very expensive.
This is the time to give full play to your abilities. First of all, we must determine the time. Since I hope there are few people, let's choose to travel in the off-season. Choose a place with comfortable temperature. Then start saving money, and see clearly that it is to save money, not to travel badly. What holiday is a poor tour? Hard money like a visa can certainly not save money, nor can it save money. We should pay more attention to air tickets and hotels. For example, we should make use of payment software and the official website of airlines to book air tickets in advance when there is a special price in 99 yuan every month. That's not all. Remember to confirm whether you can upgrade to business class with extra money (usually from 200 yuan to 400 yuan) before boarding the plane. Before the plane takes off, there will be an upgrade if there are seats in business class. This can give the elderly and children a more comfortable environment. The same is true of hotels. If you decide on a good destination, you should visit the hotel in advance. If you decide on a good hotel, you should subscribe to preferential information and check it often. When there is a discount, you must be decisive. For example, in my hotel, although the original price was 2000 yuan a night, I robbed two rooms at a 20% discount for two nights. For the remaining two nights, you can use the netizen coupon (give them 10 yuan red envelope+a book) over 5999 minus 5000. So at the time of final checkout, the booking price is also very cheap, which is equivalent to the price of the next budget hotel. Island resort is all-inclusive, and it is booked through an agent, which is equivalent to 30% off your booking price. Generally speaking, a family trip with an original price of about 65,438+10,000 yuan can be done with 50,000 yuan. Everyone can eat well and live well. Of course, there are disadvantages, that is, people who organize travel should always check the special price information, post on the forum for coupons, and remember many details of the trip. For example, if we want to book two nights before, we have to check out, go to the resort for a few days, and then come back to check in, so that we can use coupons to settle the accounts for the next few days.
You see, satisfying desires can also save money. If your desire is satisfied, but you don't spend so much money, is it a sense of accomplishment?
Let's talk about the ability to make money first. Noguchi pointed out in Learn to Spend Money: "The monetary value of a person can also be calculated by the cash flow that this person can earn in the future. A person's value is not determined by the total amount of cash he has, but by his ability to create cash flow. No matter in what form, no matter what responsibility you take in the economic activities of enterprises or countries, the ability to continuously create cash flow through investment, consumption and work is the most important. Especially young people, the first thing to master is the ability to make money. "
The ability to make money is also divided into two parts, one is the ability to make money actively, and the other is the ability to make money passively.
Let's talk about the ability to make money actively. In the modern business society, Shi Zhezhi analyzed in detail four kinds of abilities needed for a job: communication ability, logical thinking ability, data production ability, professionalism and business spirit. Improving these abilities can directly improve the ability to make money. Develop your learning thinking and keep investing in yourself, and your ability to make money will become stronger and stronger.
I'm here to remind you that investing in yourself is really investing in yourself. I have written a lot of books, and there is a great demand for such manuscripts as 20 17. The fee for excellent manuscripts once rose to 1 10,000 yuan, and there were a lot of platforms for manuscripts. Editors write letters everywhere for the contract. In order to maintain the relationship with editors, I opened a writing class to teach you to write books. After you finish writing the manuscript, I recommend it to the editor. After editing the manuscript, you can sign a contract and submit it for a long time. Many people are enthusiastic when they sign up. When signing up, they all leave a message "invest in yourself" and "expand new areas of making money". But after a week, I checked everyone's course reading records and found that most people just looked at it that day and then stopped logging in.
The decision-making mechanism of spending money is very simple, and the decisive factor is whether the value we get is greater than the money we spend (price). However, when you sign up for the writing class and pay the fee, the investment process is not over yet, and it can be said that it has just begun. You need to spend time, energy, reading and practice, internalize the course content into your own knowledge, and then transform the knowledge into ability through the transfer of samples, and the return of this investment process will be revealed. But only once, you only need to go through this process once, and you have mastered the skill of self-investment, which has a magic power and will make you better and better. This is the key to "the thinking of the rich". This is also the reason why many students excitedly sent me red envelopes and told me that they saw the dawn after signing the contract and getting the down payment. This is an experience to realize your own ability, which will stimulate you to make more self-investment and make your ability to make money stronger and stronger.
If you don't study after paying the fee, it's not an investment, nor is it to improve your ability to make money. This is a kind of consumption, the above-mentioned desire consumption, what you buy is a kind of comfort, a kind of self-comfort that you strive for.
Now let's talk about passive earning ability, which is also the key to financial freedom, that is, to invest your wealth and bring passive income. When it comes to financial management, what do you think of? Do stocks, futures, buy a house. First of all, these professional investments are too risky for us, and secondly, they are too extravagant.
Cultivate financial thinking and recommend Noguchi's Learn to Spend Money. Noguchi uses stories to teach you the necessary knowledge of finance, behavioral economics and statistics. Through specific examples of spending money in life, such as buying lottery tickets, bookkeeping, bookkeeping, supermarket shopping, etc., readers are guided to think with financial thinking.
When it comes to financial management, if you avoid the problem of risk, you will be questioned about professionalism. The risk is not only that you invest in stocks and futures, but also that the risks in our life will destroy the financial situation of our family. Think about whether you often see donations and crowdfunding online. Poverty caused by illness and accidental poverty are the key risks in financial management. There are also two kinds of insurance, one is social insurance and the other is commercial insurance. I advise you not to give up social insurance. On the one hand, your expenses are low, on the other hand, there are indeed many benefits. The five insurances paid by the company, one old and one young, are more than 100 every year after the baby is born, and the agricultural insurance bought by farmers is social insurance.
The only function of insurance is to be able to resist risks, which is the only meaning of insurance. It's not investment, it's insurance. When it brings benefits, it is when you lose it. Life is spent in constant investment and constant resistance to risks. When we buy insurance, we can reduce the loss when accidents happen and keep our quality of life unaffected. When buying insurance, evaluate your ability to pay, the risks covered by the insurance, and the speed and quality of the insurance company's claims.
The hardest thing to manage money is to control yourself, which is also the hardest thing in life. Poor self-control is also the biggest reason why some people are tired but have no money. A classmate in a writing class said, "I have signed up for a week and I am very tired, but I feel that I have learned nothing." I quickly reminded him: "You are tired because you are still dancing 1 1 in the middle of the night, not because you are tired of studying." He plays games until 1 1: 30 every day. When he was almost sleepy, he began to watch the writing class and fell asleep after reading it. I was late for work the next day and worked overtime. I was always like this, of course I was very tired. Many times, it is not the turn to compete for talents. If you do well, you will be ahead. You can control yourself to spend the time playing games and watching classes, so that you won't be too tired when you are sleepy.
Choose 10 years for an easy life. When you are in your thirties, you will find that your earning ability is poor, and you will start to live an anxious life. Choose to work hard to accumulate 10 years, return to the family in his thirties, shift his focus to his parents and children, and begin to fulfill his obligations and take responsibility. When you are young, you should either read more books or earn more money. ?