First, the three links of financial management

1. Saving money: earning one and spending two lives are poor. Many people say that it is impossible to force 1% of the money to be deposited in the bank 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. The second is to reduce your salary from 1, yuan to 9 yuan. Which plan can you accept? 99% people can accept the second plan. Then you make a compulsory deposit for yourself, and deposit 1% of the money directly into the bank after issuing the money. If you don't take this step, you will never have money to spend.

2. Make money: funds, stocks, bonds, real estate

3. Protect money: No one knows what will happen, so buy insurance for yourself. 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 and 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 will put my hands together. I don't believe in anything. I just feel that 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 5, accident insurance from 88 yuan, which is my love and responsibility for my family. This 5, is enough for my wife and children to live for two years, and she can remarry in two years.

one center, three basic points: taking money management as the center, saving money as the starting point, focusing on generating money, and protecting money as the guarantee.

second, how much can I start financial management?

I don't care how much, I save 1 yuan to buy funds in one month, which is 637,8 yuan from the age of 2 to 6; From the age of 3 to 6, it is 22,; Since the age of 4, 7,; 5 years old, 2 thousand. Qian Shengqian is a champion of long-distance running, so financial management must start from a young age. Nature of money: you don't love me, I don't love you.

girls must stand on their own feet, rely on everyone to run.

third, how to allocate assets: individual reservoirs should be divided into three parts.

the first part: emergency money, living expenses for six months to one year. Depository bank, current, fixed-term or money market fund.

the second part: life-saving money, living expenses for three to five years, fixed deposit, national debt and commercial endowment insurance. It should be break even, only more things than less.

the third part: idle money, which is not 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 idle money.

stock: the stock market is like a tide, 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 location: a genius, a madman and a liar.

Before buying stocks, ask yourself three questions: First, do I have a house and insurance? Second, do I have urgent money? Third, am I ready for strong nerves and a good attitude?

Retired old people shouldn't buy stocks. They can't bear the ups and downs of the stock market both financially and spiritually. Filial children should not let your parents speculate in stocks.

have you ever seen people lining up to get rich? After three years, 9% of the investors who enter the market this year will become cannon fodder, and only 1% of them can make money from the stock market. This is the iron law circulating on the cat!

fourth, when will financial management start?

start with self-reliance. Senior students should 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.

5. Habits of financial management

1. Frugality: Less taxi, less beauty, less food for dinner, and the money saved to invest in Qian Shengqian. Qian Shengqian, the rich, keeps the poor in debt. Saving money and respecting money are the habits of many rich people. The frugality of Li Ka-shing's life is well known. One day, when Mr. Li Ka-shing came out of the hotel and took out his car keys, he jumped out of his pocket and dropped a one-yuan coin. Li Ka-shing bent down to pick it up, and an Indian security guard picked it up and handed it to him. He took the one-yuan money, took out a hundred-yuan Hong Kong dollars from his pocket and gave it to the security guard, and also gave it to the security guard. Others were puzzled. When asked why Mr. Li Ka-shing did this, he said, "This one hundred Hong Kong dollars is my reward for his service to me. 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. The money is used for spending, but it cannot be wasted. " We often say that the richer the rich, 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 it doesn't work, you can keep an account every three days. Some people spend mp's on the cat, but in reality they don't.

6. Misunderstandings of financial management

1. Financial management is the business of the rich: both the poor and the rich can manage their money, form good habits, invest, and let the money do something by itself.

2. Busy, no time to manage: Have time to play mahjong but no time to manage money? In those days, Chairman Mao kept accounts every day. Don't say that you don't have time, no matter how busy you are, you can't beat the chairman.

3. Financial management means buying stocks and insurance: all the money goes to buy stocks, which 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 little money, financial management has no effect: the secret of financial management is "cherish and save money, Qian Shengqian, and persevere."

5. I don't know how to manage money: if I don't know, I can learn. It's not difficult to manage money. It's never too late to start learning.

6. Financial management means getting rich: financial management has nothing to do with getting rich. 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, it 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 just 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 Projects of Financial Management:

1. Abide by living within our means throughout our lives

Tai Sen, the champion of boxing, started boxing at the age of 2, and earned nearly 4 million US dollars by the age of 4, but he spent too much money. The villa has more than 1 rooms, dozens of sports cars, and keeps tigers as pets. As a result, by the end of 24, he still owed 1 million US dollars to the State Taxation Bureau when he went bankrupt. If you were not born with a golden key, you should enjoy it after 4 years old. You must work hard when you are young, and the hardest thing is to be poor when you are old.

2. Don't dream of getting rich overnight

There is no pie in the sky. What is there in the sky? Rain, snow, sandstorm, occasionally fall a flowerpot or something, there will be no pie falling, there is a saying in China that "money does not enter the emergency door". 4%-5% of the time a year is not credible. 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 drilled dozens of poor relatives. Mentally, I can't stand it, like Fan Jinzhong, who suddenly fainted. You have to punch in the cat HI every day to earn an MP!

When someone gives you a seemingly good investment opportunity, ask yourself six questions (for example, a property hotel): 1. Who is selling my things and what is the reputation of the other party? 2. What did my money do? 3. What kind of money do I earn? The profit model. 4. Is the rate of return reasonable? The annual income is 1%-5% low, 5%-8% medium and above 8% high. 5. If I don't vote, can I sell it? 6. If it can't be sold, can it be used for personal use? If more than two of the six questions are in doubt, it is not credible.

3. Don't let debts entangle you all your life

House slaves, car slaves and card slaves. Most negative people in China are 28-35 years old. For example, if you buy a 1-square-meter house in Hunan, 3, yuan, a down payment of 2% to 6, yuan, a deed tax of 2, yuan, 8, yuan for decoration, 2, household appliances, and 2, yuan for soft interiors, you can't live in it without 2, yuan. Monthly repayment should be below 3% of income, and 5% will be very uncomfortable. Think about whether you have the financial ability to buy a house. Trying to buy a house is a house slave.

car slaves are even worse, and cars are constantly consumed. Japanese rich people take the bus with lunch boxes every day. Credit cards are financial opium.

check the audience's wallet: college students spend 18 yuan a month. The monthly salary for a master's degree in Beijing is 3, yuan, and that for an undergraduate degree is 2, yuan. Young people should not have empty illusions about their future life.

to change your life, you should start with small money, pay back your card-car-house-save money-invest.

you can never be counted as a bank. to get rid of finance, you should pay the principal instead of interest.

4. One wife and one child

Marriage is either the biggest wealth or the biggest debt. So don't get married and divorce easily.

5. Concentrate on an investment

There is an old saying in China, that is, one trick is fresh, and you can eat all over the world. If you make a good investment in your life, you will live a happy and happy life instead of gambling. Don't do it if you are unfamiliar, don't know how to vote, and don't follow the crowd. Don't force some money if it's not yours.