Therefore, of course, they are caught in an infinite vicious circle of paying back their credit cards after paying their wages and living a life of borrowing money every month. At first, they didn't think there was anything wrong, but when they were ill once, they suddenly realized that life can't be like this!
The following is Xiaoya's self-report, to see how they successfully fought back.
Looking back on our life in the past two years, great changes have taken place-from moonlight clan to good financial partners.
We have been preaching to enjoy our present life. Maybe we grew up under the protection of our parents, without any pressure, intoxicated in the happy time of swiping credit cards, which is quite a bit of a literary youth.
However, our literary and artistic ability and level are not enough to support our own lives. There is a pair of young artists who are free and loose, saying that the wind is rain, and the final result is a mess of life, so that when they are sick, they start to borrow money from our parents.
But it was also from that time that our lives were planned.
I think many people are still the same as I used to be. Reckless consumption, no matter how expensive, I want to go to the movies, eat steak and find a western restaurant to entertain myself. I don't think it's a problem to get paid next month and eat about 500 yuan anyway. I just want to buy any clothes, shoes and bags I want, and I don't care about any useless bottles and cans. I don't want to travel to various places at my own expense during most holidays. ......
After all this, I can only wait anxiously for next month's salary in the moonlight, and it seems impossible to save money.
At that time, I thought saving money sounded vulgar.
Now that I think about it, there is a sentence that is particularly suitable for myself at that time: XX melodramatic!
After a long time, we gradually find that the gap between ourselves and others is getting bigger and bigger. They began to plan big problems such as buying a house, decorating, changing computers, and providing for the elderly for our parents, but we have no money and are not qualified to consider these problems. Borrow money from your parents even if you are ill. Then we began to reflect on what we had done.
Those fickle literary attainments, which are maintained by money, bring a little "spiritual pleasure" (largely because you have a sense of satisfaction rather than real pleasure when you want something), but they eat into my purse. Let's have nothing and do nothing.
In fact, real spiritual pleasure does not need these gorgeous forms at all. So we began to change little by little, starting with financial management and starting from the heart.
First of all, about excessive consumption.
We will never eat like before. We will watch our favorite movies. We will look at group purchases in advance to see which ones are more suitable for us, and we will not follow our inclinations.
As for movies, the cat's eye is not bad. Before 1 yuan, watching movies was quite affordable. We will seize the opportunity and time, then make a group purchase and find the one with the lowest fare. Fortunately, I once lowered the ticket price one hour before leaving the venue, and I found it very cheap.
For online shopping, we summed up a very effective method, which is not what we need in time. At this time, placing an order and putting it on hold for a week will greatly reduce your desire to buy them, which can save a lot of money.
Don't buy any other interesting trinkets or purely decorative things, because it is really useless, and it will occupy the place in the home, making the home more chaotic and entering a state of being reluctant to throw and occupying no place.
With a small holiday, you will no longer travel everywhere, because you can't achieve the effect of traveling except people, and the prices of air tickets and accommodation will be greatly increased (many hotels can't use group tickets). You can go to the park, climb mountains, bring your own fruits, snacks and outdoor blankets during the small holiday. You will find that you can not only relax, but also achieve the effect of health and saving money.
Charge! It is a necessary expense and a link that cannot be saved.
The degree of education and professional knowledge can largely determine your income, and the improvement of knowledge will also affect the increase of your assets. Therefore, timely charging is an essential link.
In terms of financial management, I still don't support people to buy books blindly, either because they are too academic and have no foundation to understand or understand, or because they are too metaphysical to help.
So I suggest you go to a professional financial education institution, such as Global 14 Day School, where my husband and I have classes together.
Second, learn to save by force.
Saving the expense of excessive consumption, we finally bid farewell to the moonlight life, started to have some balance, and then went to the compulsory saving link.
Fixed investment can be regarded as an effective means of compulsory savings. For us, there is no deposit before, and some financial management methods have higher starting thresholds and can only be discouraged, but there is no pressure for us to make a fixed investment. Under compulsory savings, you can not only have deposits, but also get good returns. Why not?
However, don't think that fixed investment is something that you can make money without studying. A colleague of mine knew that my study of the fixed investment course had little effect, so he followed him to make a fixed investment. As a result, I saw that it was a poor fund, and the days behind it would definitely be difficult.
This also let me know how important it is to keep emphasizing "don't touch if you don't understand"!
I think many people will agree with my previous idea that there is not much balance and there is not much point in saving money. You know, that's not the case. It is beyond you to achieve the expected financial goals through financial planning. Therefore, financial management can not help but care about small money, but also plan ahead.
After that, I'm sure you must be as shocked as I am. This is the power of re-voting. "How can you become a local tyrant without accumulating small money?" Big money is accumulated by small money. Many people have little difference in income, but they can live two different lives after many years. This contrast is often different from the attitude towards "small money".
After a year of hard work, I finally got a deposit and bid farewell to the overdraft life in advance. This inner peace is far greater than the comfort you have been enjoying, and we have reached a real state of "spiritual pleasure".
Third, rational distribution of assets.
This link is very important, which will directly affect your later property appreciation. Since we didn't have fixed assets before, we can only plan from the existing salary.
My husband invests 2000 yuan every month, and the rest of his salary is used for daily expenses, including utilities, gas, internet access and my cosmetics.
My salary recently took out 1500 as a planned fixed investment, and I am going to take it out one year later to invest in wealth management products with higher yield. After all, the funds are not very abundant now. When the funds accumulate to a certain extent, we should consider allocating other investment and wealth management products to improve the income.
1000 as a bank deposit to meet the demand for timely use of money. The rest of the money is also used as daily expenses for occasional recreation. After all, the quality of life cannot be reduced.
What is emphasized here is that if we encounter excessive consumption such as friends getting married or inviting colleagues to dinner during the period, we will also spend by credit card and will not stop the fund's fixed investment and salary plan, otherwise the loss will outweigh the gain.
After all, it is a win-win situation. Fixed investment will bring us good income, and credit card points can be exchanged for small gifts. Of course, we can't give up credit cards. After all, there are preferential activities waiting for us, such as half-price meals and other discounts. Why not?
For mature families, attach a four-step property distribution plan. After two years of financial management, we also have a lot of deposits that can be implemented as follows:
1, daily life costs money.
The rice, oil, salt, sauce and vinegar tea is used for various expenses in daily life. Generally, this money is planned to pay for the daily living expenses of the family for three to six months, accounting for about 65,438+00% of the total assets of the family.
This is a sum of money that everyone should prepare, but it is also the easiest to overdraw. Nowadays, the use of credit cards is very common, and some daily expenses, such as clothes, skin care products and entertainment, depend on the money. If you spend too much, you need to make up for it through other accounts.
Financial management measures: this money needs to be withdrawn at any time, which requires high liquidity. Of which 1/3 can be deposited in the form of bank demand deposits, and the remaining 2/3 can be used to invest 1 month in short-term financial management.
2. Money used to save lives in times of crisis.
People eat whole grains, and in our daily life, some unexpected problems will inevitably appear, which is also called risk. When these problems arise, a sum of money is needed to deal with these risks. For families, it is a good way to buy appropriate insurance, mainly in small and large amounts, to protect sudden large expenditures of families and to protect family members well.
Financial tips: buy insurance for your family reasonably, and effectively reduce the burden in case of accidents.
Thirdly, take Qian Shengqian as an example.
It is no secret that money can "give birth" to money, which generally accounts for 40% of a family's stable assets. This money can bring sustained cash flow to families while fighting inflation.
It should be noted that investment is not equal to financial management, and you cannot blindly invest in order to obtain income. You know, the rational allocation of family assets is the key to achieving sustainable income. And high income corresponds to high risk, so we should pay attention to diversification of investment, so as to effectively diversify risks.
Financial Tips: Futures, precious metals, funds and stocks are all good choices. However, it should be noted that any investment takes time to learn, and it is necessary to fully understand the risk-return characteristics of products before investing. Don't touch it if you don't understand.
Fourth, protect currency appreciation.
This part is used to improve one's ability or as money for future protection, such as investing in one's own skills (this is actually very important, improving one's ability can effectively improve the income level), future pension, children's education fund, etc. This part of the money generally accounts for 30% of family assets, and the most important thing is to ensure the absolute safety of the principal.
Now our life is on the right track step by step, and our hearts are much more practical than before. At the same time, we should get plenty of spiritual food and plenty of material food.
In this way, we changed from a couple in debt in the moonlight to the best financial partners. Seeing that the deposit in Cary is increasing day by day, the feeling of sureness is beyond words. Our financial portfolio is not the best, but I believe it will help you more or less. Finally, I hope that everyone will have more and more deposits in the card and become a real wealth management coffee.
1. Insist on charging and take knowledge reserve as the economic base.
2. Control consumption, live within our means, and eliminate the mocha factor in life.
3. Do a good job in asset allocation and planning, so that family funds are on the right track.
4. Compulsory savings, the establishment of capital accounts.
5. Qian Shengqian has a stable income.
In this way, the above points have nothing to do with whether you have money or not
There is a very poor poor man. A rich man saw his pity and was kind enough to help him make a fortune.
The rich man gave him a cow to cultivate the land. When spring comes and seeds are sown, he can stay away from the word "poor" in autumn.
The poor began to struggle in hope. But in a few days, cows will eat grass and people will eat, and life will be more difficult than in the past.
The poor thought, it is better to sell the cattle, buy some sheep, kill one first, and the rest can have lambs, and then sell them when they grow up to earn more money.
The poor man's plan got his wish, but after eating one sheep, the lamb was delayed and had a hard life, so he couldn't help eating another one.
The poor thought: if this goes on, it is better to sell the sheep and buy them into chickens. Chickens will lay eggs faster, eggs will make money immediately, and life will improve immediately.
The poor man's plan got his wish again, but the days have not changed, and he has lived a hard life and can't help killing chickens. Finally, when there was only one chicken left, the poor man's ideal completely collapsed.
He thought: it is hopeless to get rich. It is better to sell the chicken, make a pot of wine and drink three cups, and everything will be fine.
Soon spring came, and the kind-hearted rich people sent seeds with great interest, only to find that the poor people drank pickles, the cattle had long since disappeared, and the house was still very poor.
The rich man turned and left. Poor or poor.
Many poor people have had dreams, even opportunities and actions, but it is difficult to stick to them.
Thinkers say that many poor people are poor because of poor thinking.
Investors say that the secret of his success is: when there is no money, no matter how difficult it is, don't use investment and savings. Stress will help you find new ways to make money and pay your bills. This is a good habit.
Character forms habits, and habits determine success.
The more people with stories: the quieter and simpler they are.
The shallower and thinner people are, the more impetuous they are.
Strong: not without tears, but still running with tears.
People get old first: not looks, but desperate enterprising spirit.
I used to be like this poor man. I can't see the opportunity and I can't seize it.
Missed many opportunities to become better.
I wasted years.
I think if I understand these truths earlier and know compound interest earlier, I will live better.
Many people say: I understand the reasons. Why are you still alive like this?
Why can't you live this life when you know so much?
Because you just thought you understood, but you didn't take action. Why does fate care for you?
Many people would rather live hard than study hard, so they will live for decades.
Fortunately, I gave myself a chance to change before living the life I wanted.
As you can see, financial management doesn't need money. The less money you have, the more you should manage your money. The breakthrough from 0 to 1 is very impressive.