The following is transferred from the Internet:
First, the three links of financial management
1, saving money: it takes two lives to earn one. Many people say it is impossible to withdraw 10% of the money from the bank in a month. So if your company is not doing well, the boss will cut back on expenses and give you two choices. The first is to fire you and compensate you for two months' salary. Second, reduce your salary from 1000 yuan to 900 yuan. Which plan can you accept? 99% people can accept the second plan. Then you make a compulsory deposit for yourself, and directly deposit 10% of the money in the bank after the payment. If you don't take this step, you will never have money to spend.
2. Make money: funds, stocks, bonds and real estate.
3, capital preservation: there are unexpected events in the sky, no one knows what will happen, so buy yourself an insurance, insurance is an important means of financial management, but not all. Making money is like drilling a well to inject a steady stream of water into your reservoir, but drilling a well is not enough. It is necessary to build a dam for the reservoir-accident, hospitalization, serious illness. Because of the example of driving into people's ruin. Example of flying: I sometimes need to fly ten times a month. Every time the plane takes off and lands, I put my hands together. I don't believe in anything I just feel my life is in my own hands again, because I don't know what will happen in the sky. So every time I fly, I buy 500,000 accident insurance from 88 yuan, which is my love and responsibility for my family. This 500 thousand is enough for my wife and children to live for two years, and she can remarry in two years.
One center, three basic points: financial management as the center, saving money as the starting point, focusing on generating money, and ensuring money.
Second, how much can I start financial management?
I don't care how much I save 100 yuan a month to buy a fund. From the age of 20 to 60, it is 637,800 yuan; 30 to 60 years old, it is 220,000; Since the age of 40, 70,000; 50 years old, 20 thousand. Qian Shengqian is the champion of long-distance running, so financial management must start at an early age. The essence of money: you don't love me, I don't love you.
Girls, you must run on your own feet and rely on everyone.
Third, how to allocate assets: a single reservoir should be divided into three parts.
The first type: emergency money, living expenses for half a year to one year. Depository banks, current, fixed-term or money market funds.
The second part: life-saving money, living expenses for three to five years, time deposits, national debt, and commercial endowment insurance. It should be a balance of payments, only a lot more.
The third part: spare money, money that will not be used for five to ten years. Only this kind of money can buy stocks, funds, real estate, or start a business with friends to make such investments, so it must be spare money.
Stock: the stock market is in a flood, so how to go up and how to go back. Only when the tide goes out can we see who is swimming naked. It is not recommended to enter the market at the current point, and buying funds is not a good time.
There are only three kinds of people who can predict the position: a genius, two lunatics and three liars.
Ask yourself three questions before buying stocks: First, do I have a house and insurance? Second, do I have urgent money? Third, am I ready for a strong nerve and a good attitude?
Retired old people should not speculate in the stock market. They can't bear the ups and downs of the stock market either economically or psychologically. Filial children, don't let your parents speculate in stocks.
Have you ever seen people queuing to get rich? Three years later, 90% of the investors who entered the market this year will become cannon fodder, of which only 10% can make money from the stock market. This is the iron law circulating on the cat's paw!
4. When does financial management start?
Start with self-reliance. Senior students are going to start working to save rent. It is a shame for adults to ask their parents for money again, and they will be despised on the cat's paw.
Five, the habit of financial management
1. frugality: less taxis, less beauty, less meals and less cooking. Save your money and invest it in Qian Shengqian. Qian Shengqian, the rich, made the poor in debt. Saving money and respecting money are the habits of many rich people. Li Ka-shing's frugality in his life is well known. One day, when Mr. Li Ka-shing came out of the hotel and took out his car keys, a one-dollar coin jumped out of his pocket. Li Ka-shing bent down to pick it up, and an Indian security guard picked it up and handed it to him. He took one yuan, took out a hundred Hong Kong dollars from his pocket and gave it to the security guard as well. Others are confused. When asked why Mr Li Ka-shing did this, he said, "This one hundred Hong Kong dollars is my reward for serving him. If the one-dollar coin is not picked up, it may be run over by a car, it may fall into a ditch and it will be wasted. Money is used to spend, but it can't be wasted. " We often say that the richer the rich get, the more they dig because they know that money is hard to come by. People who have no money are often "poor and generous".
2. Bookkeeping: Keep an account every day. If not, you can keep an account every three days. Some people spend a lot of money on cats, but in fact they don't.
Sixth, the misunderstanding of financial management.
1, financial management is the business of the rich: both the poor and the rich can manage money, form good habits, invest, and let money do something for itself.
2, busy, no time to manage: have time to play mahjong and no time to manage money? Chairman Mao kept accounts every day. Don't say you don't have time, no matter how busy you are, you can't beat the chairman.
3, financial management is to buy stocks to buy insurance: all the money used to buy stocks is gambling, not financial management. Insurance companies say that their products can be guaranteed, saved and invested, so why do they need fund companies?
4. With less money, financial management is ineffective: the secret of financial management is "cherish money, save money, Qian Shengqian and persevere"
5. Don't know how to manage money: you can learn if you don't know. Financial management is not difficult. It's never too late to start studying.
6, financial management is to make a fortune: financial management has nothing to do with making a fortune. Financial management is to plan ahead, help your wealth grow safely and steadily, and achieve your life goals.
7, financial management should follow the crowd: financial management can not follow the crowd, must be personalized.
8. Men and women are different in financial management: financial management is the same for everyone, and women are more impulsive. Women can try to restrain some impulsive consumption in financial management. If they are not impulsive at all, they are no longer cute. Men "analyze" and women "feel".
Seven, five one project financial management:
1, live within your means for life.
Boxing champion Tai Sen started boxing at the age of 20, and by the time he was 40, he had earned nearly 400 million dollars, but he spent too much money. This villa has more than 65,438+000 rooms and dozens of sports cars, and he also keeps a tiger as a pet. As a result, by the end of 2004, when he went bankrupt, he still owed the IRS $65.438+million. If you were not born with a golden key, you should enjoy it after 40. You must work hard when you are young, and the hardest thing is to be poor when you are old.
Don't dream of getting rich overnight.
There will be no pie in the sky. What is in the sky? Rain, snow, sandstorm, occasionally drop a flowerpot or something, no pie will fall. There is a saying in China that "money doesn't enter the emergency door".
40%-50% of the time in a year is untrustworthy. Think about other people's motives. Things that sound too perfect are often not true. Many people who won the first prize in the lottery are still poor ten years later, because they bought a big house and a car and took advantage of dozens of poor relatives. Mentally, I can't stand it, just like Fan Jinzhong who suddenly fainted. You have to punch in every day to earn MP!
When someone gives you a seemingly good investment opportunity, ask yourself six questions (such as property hotel): 1. Who is selling my things, and what is the reputation of the other party? 2. What did I do with my money? 3. What kind of money do I earn? Profit model. 4. Is the rate of return reasonable? Annual income 1%-5% is low, among 5%-8%, more than 8% is high. If I don't vote, can I sell it? 6. If you can't sell it, can you use it for your own use? If more than two of the six questions are in doubt, it is not credible.
Don't let the debt haunt you all your life.
House slave, car slave, card slave. Most negative people in China are 28-35 years old. For example, buy a house of 100 square meter in Hunan, 300,000 yuan, 20% down payment, 60,000 yuan, deed tax, etc. 20,000 yuan for decoration, 20,000 yuan for home appliances and 20,000 yuan for indoor soft decoration. Without 200,000 yuan, you can't live. Monthly repayment should be below 30% of income, and 50% will be very uncomfortable. Think about whether you have the financial ability to buy a house. Want to buy a house is a house slave.
Car slaves are even worse, and cars are constantly being consumed. Rich people in Japan take lunch boxes by bus every day. Credit cards are financial opium.
Check the audience's wallet: college students spend 1800 per month. The monthly salary of master in Beijing is 3000 yuan, and that of undergraduate is 2000 yuan. Young people should not have empty illusions about their future life.
To change your life, you should start with a small amount of money, return the card, return the car, return the house, save money and invest.
You will never become a bank. If you want to get rid of finance, you have to pay back the principal instead of interest.
4. One husband, one wife and one son
Marriage is either the greatest wealth or the greatest debt. So don't get married and divorce easily.
Step 5 concentrate on investing
There is an old saying in China that "one trick is fresh, you can eat all over the world, and you can live a happy life by investing in your life, not gambling". Don't do it unless you are familiar with it and don't know how to vote. Some money is not yours.