Talk about the change of my own view of money.
At first, it was actually what everyone called the Chopper Party. If you have something you like, you can't help but buy it in buy buy. You think it's best to have it right away and don't want to wait for a moment. For girls, buying clothes, shoes and bags seems to be an endless thing. Every time I go out, I always feel that I have nothing to wear, and there is always something I like in the closet. Delaying satisfaction is a very painful thing for me ~
Immersed in the joy of receiving express every day, haha! I will see what new packages have arrived today every day. After I bought it, I found that many of them had been lying there sleeping without unpacking their notes, but they were obsessed with buying it at buy buy.
My mother always said: the quality of clothes is greater than the quantity. Not much, but perfection. In my opinion, most people will only wear it a few times anyway, and it will not be fresh all the time, so for me, style is more important.
Slowly, with the accumulation of time, there are more and more places to put these clothes and shoes at home, and I find that it is actually a burden to clean them up. There are many donations that can be given away and donated.
If you haven't used it for more than a year, you may just lie in the corner and sleep, which will cause great waste of resources and money.
As time goes on, I don't think this is the case in the long run. We still need to learn some basic financial management concepts. So during the maternity leave, I systematically studied the related knowledge of funds, stocks and convertible bonds. This is a daily - happened thing. You don't manage money, and money ignores you. This is especially true in many cases. Don't forget, there will be repercussions.
If you don't know how to manage money, just put cash in your hand. With the acceleration of inflation, the depreciation rate will be faster and faster! And the same money in different hands, the value and income will be very different.
At the beginning, I invested in some index funds at the beginning. When you use the investment calculator to fill in the principal and yield of the investment, the formula is as follows:
PMT(R/ 12，N* 12，FV， 1)
R = expected rate of return
N= years of investment
FV = expected income+principal
As can be seen from the formula, the final income depends on three values, principal, yield and investment years. Time is the same for each of us, neither more nor less. Then what we can change and improve is the principal and rate of return. In fact, it is to increase the r value as much as possible.
In fact, the fund is a low entry threshold investment method, because the initial purchase amount is very low, 100 yuan can start, and the risk is relatively small, the income is relatively stable, and it is a wealth management product suitable for most people. However, there are many kinds of funds.
For example, according to the type of investment, it is divided into: money fund, bond fund, stock fund and mixed fund;
According to the trading channels, it is divided into: on-site funds and off-site funds;
According to the operation mode, it is divided into: open-end fund and closed-end fund;
According to the investment mode, it is divided into active funds and passive funds.
The target of your investment is different, and the yield is different. In addition to funds, common investment targets in the market include: stocks, gold, futures, bonds, real estate, digital assets and so on.
It is the feet that make money off the field and the means of transportation that make money on the field, so it is very important to choose the investment products that suit you.
Investment is something that you can only make your own decisions, and the benefits are directly proportional to the risks. The higher the income, the greater the relative risk. The first principle of investment is that you don't know how not to invest, but what is the just need of investment? To avoid danger!
Later, I had the opportunity to join the practice group of teacher Xiao Lai's box fixed investment, learned about digital assets, and further improved my cognition. Investment is like a boiled egg.
What we need is to invest in eggshells and put them there as nonexistent money for a long time.
When ideas and cognition have changed and improved from the bottom, there will be no unplanned consumption. I often think of what the teacher said when he laughed: you will eventually become a simple person. Actually, it really is. Learn to spend money on making yourself better or improving your ability and cognition. Paying is actually very cheap!
Learn to make money with money, not just spend it. When you can really understand that a dollar spent today may increase a lot in the future, you will be more cautious about it.
In fact, everything is a choice, and choice is greater than effort! Learn to be responsible for your own choices, and also learn to be responsible for your own future!