Yesterday I read an article on financial management and added another fund to my fixed investment account, which resulted in an extra 200 yuan of financial management expenses every month. As a result, the monthly fixed investment task became even heavier.

My desire for material things is not very strong, and my daily consumption is not high. I spent a lot on food in the past few years. Now my desire for food is not that strong. Compared with material enjoyment, I prefer to see my financial account.

The numbers are getting more and more. I previously made fixed investments in 24 funds in my Tiantian Fund account. I sold one this month and there are 23 funds left. I opened an account with Ant Jubao at the beginning of this year and made fixed investments in 26 funds in the account. Although the fixed investment amount is not the same.

It’s a lot, but you can’t add up to it, and you need a principal of 10,000 every month.

Of course, these 50 funds were not all selected at the beginning, but after a while, I saw them recommended, and then I added them to the account. I just kept adding and adding, and that’s all. Today I added another one.

There are only 51 of them. From now on, Xiaoji’s monthly rations will be a heavy burden. After all, I only have 10,000 liquidity outside my fund account. Alas... I told my husband that I think I should chop off my hands.

, he said, you didn’t spend it randomly, you were investing, don’t chop it, don’t chop it.

Every time I buy consumer goods such as clothes and accessories, I have to put it off again and again. If I can't put it off anymore, I quickly spend some time and make a quick decision.

However, when I saw the recommended fund, I bought it without waiting for a moment.

Of course, I have also tasted the fruits of financial management. I spent a lot of money this month. If it hadn’t been for the 20,000 yuan in the investment account, I would definitely not be able to endure it.

If I really can’t get through it after a while, I’ll sell some of the ones that make the most money and raise the new ones first.

This is also in line with the take-profit rules for fixed investment.

Just rely on the recycling of previous capital, of course, it won't last too long, the key is to open source.

The deal I had negotiated with the young master for a principal of 10,000 yuan and a one-year interest rate of 12% did not come to an end. Since he had 10,000 yuan in cash, I couldn’t bear to see him wasting investment opportunities, so I planned to recommend Huiding Investment, a company called Two Ants, to him.

Fund, 50 yuan per week, allows him to persist for 3-5 years, and he will be able to witness miracles by then.

He was very interested at first, but when he came back after lunch, I spent half an hour choosing a fund for him, and he actually told me that he planned to buy lottery tickets for 10 yuan every day. It was the same as fixed investment in funds. It would definitely be witnessed within 3 years.

A miracle, to be honest, I was confused at the time.

Sister Jing said bluntly: You are thinking like a poor person.

The young master looked like a dead pig and said, "I am just a poor man."

Then, he reached out and asked me for two dollars.

I thought to myself, I originally planned to give you a farewell gift before leaving, but you don’t appreciate it.

In fact, the reason why I am so obsessed with fixed investment is because my family background is not good and I have a strong desire for money. When I was in college, I read a lot of financial management books and started the fixed investment plan very early. However, due to various reasons during the period, I never made it.

Can continue to persevere.

This fixed investment lasted for more than a year, and I certainly didn’t want the plan to die prematurely.

The young master comes from a relatively good background, has never been short of money, and is very smart. As long as he does not encounter any serious accidents, he should be able to live a carefree life.

The reason why I bother so much is because we are both masters and disciples, and we are afraid that he will have an unexpected accident in the future, so we can help him prepare a way out.

Of course, he is not the first colleague who has been instilled in me with financial management concepts. From Sister Jing to Xiao Shao, Brother Zhu, and Sister Li, they have been attracted by me one after another. I have recommended fund fixed investment and P2P platforms that I have tried.

Pass to them.

I am relatively optimistic about the Little M account at the moment, but external reviews have mixed reviews. When I recommend it to them, I will also explain the level of risk to them. Whether they want to enter the market is all voluntary.

In 2015, I opened a small M account with 1K USD, but within half a month I added another 1K USD account. I had no liquidity at the time, so I borrowed 7,000 yuan from my best friend to open the account.

After gradually recovering the principal, in October 2016, I struggled with whether to open a large account of 5K US dollars, with a principal of more than 30,000 US dollars. I hesitated for a month. During this period, I also chatted with Sister Jing several times. Sister Jing said:

Go ahead and do it after you think about it. The best case scenario is that you can make a lot of money in the future. The worst case scenario is just a loss of 30,000 yuan. You think 30,000 yuan is not a small amount now, but in fact, 30,000 yuan is not enough.

With half a year's salary, you will have many opportunities to earn back this 30,000 yuan in the future, so you might as well give it a try boldly.

I thought about it for a while. If I didn't open an account and the platform operated normally in the later period, I would have missed a good investment opportunity and I would definitely regret it. If I had opened an account, the worst-case scenario would be a loss of 30,000 yuan.

I'm still young, so even if I lose 30,000 yuan, I have plenty of opportunities to make it back.

So I cashed out all the funds from a certain P2P platform that I had been using for more than two years, and opened it first.

We started collecting money one after another at the beginning of the year. It is expected that all the principal will be recovered by August, and an additional 10,000 yuan can be earned. Before the Lunar New Year, another 30,000 yuan can be withdrawn. As long as the platform operates until August, it will be profitable in the future.