Fear is not because of difficulties, but because of fear, so things become difficult. Many people are nervous about financial management, and subconsciously think that they are not born with money.
There are also many people who think that "things you like don't necessarily make money, but they cost money." Why shouldn't you get financial rewards for doing what you like? It is because of sincere efforts that work is valuable.
The work itself is often worth at most half of the reward, and the other half comes from your idea and the courage to realize it. Therefore, the remuneration of organizers and collaborators is different.
It is best for people to start saving money from a very young age and form a habit.
How much money we can earn depends on our self-confidence, and self-confidence depends on whether we focus on what we can do well or what we are not good at.
0 1 How to manage money
The first step is to be clear about your inner desire and know what it is before you can get it.
Read this wish list every day so that you can really take them to heart, and then you should pay close attention to it and look for opportunities that can help you realize your wishes. A person who doesn't look for opportunities can only rely on luck to give something at most.
The second step is to make a dream map and imagine it with pictures. Don't think too much and forget to act. It is a smarter choice to start at once. Look at the photo album several times a day and imagine the scene after you own it. Dreaming of their own success, always constantly imagining the scene when their wishes come true.
Don't judge before you act. If you don't imagine the beauty of success, you can't achieve your goal. Where you focus, you will blossom and bear fruit. Most people always spend their time on things they don't like, instead of thinking about what they really want.
People often find various reasons to prove that one thing cannot be done first.
Before you spread your wings and fly, you must believe that you can reach your destination. You have to imagine that you have these things. Only in this way can small wishes become strong wishes.
Whether you can know how to achieve it right away is not the most critical. More importantly, you do have the desire to realize your dream, otherwise, you will give up when you encounter some difficulties.
What makes us feel pain is often a problem that we didn't expect at all.
Don't dwell on those schemes that don't work. Don't pay attention to what you are not good at and what you don't have.
Whether you can make money depends not on whether you have good ideas or how good you are, but on whether you are confident.
Whether you are confident or not determines whether you dare to do something. Without this confidence, you won't start doing it, and nothing will happen unless you start doing it.
Step 3: Make a dream piggy bank for your dream and save money for your goal.
Only by making a good budget can we control consumption, and we must abide by saving first and then consuming. If you don't know how to allocate, you can learn from the allocation of little girls in books:
50% raise geese
40% dream piggy bank,
10% overhead
Of course, this ratio depends on your own situation and can be changed reasonably. It is important to have the idea of reasonable planning.
Step four, write a success diary every day. Write down at least five achievements, anything small. It is much better to be overconfident at headquarters than not to be confident. Keep a diary of success and imagine a bright future.
Always help others solve problems in order to make money; Always focus on what you know, can do and have.
Find out what you like to do first, and then think about how to make money through these things. Only by doing what you really like can you really succeed.
People who are interested in money will have more colorful lives and make very interesting friends.
Regarding the above four points, it should be pointed out that:
First of all, carry out your plan even if you encounter difficulties and problems. If all goes well, anyone can finish the task. With the real questions, we can know who is strong and who is weak.
Only a few people can continue to carry out their plans unswervingly. And those who are particularly rich are good at making the most beautiful achievements in the most difficult times.
Second, when everything goes well, stick to it. There are always thousands of things that may distract attention, and these things should be done at a fixed time.
Third, follow the 72-hour rule. When you decide to do something, you must take action within 72 hours, otherwise you probably won't do it.
How to please people with financial difficulties
Four principles to get rid of financial difficulties:
1. For those who are in debt, cancel all credit cards.
2. When paying in installments, try to pay back the loan as little as possible every month. The higher the installment amount, the less the daily expenses each month.
Expenditure always increases with the increase of income. Distribute your money reasonably and learn to live within your means.
3.50-50 consumer loans, half repaid and half saved. Don't wait to pay off your debts before saving money, start at once.
It is unwise to use consumer loans, so spend the wealth accumulated before.
4. Ask before consumption: Is this really necessary?
Once you overcome the fear of losing face, the world will open its doors to you. Fear of difficulties, mistakes and shame has ruined the lives of countless people. Our fears stem from our imagination of those uncertain things. The more we imagine the possibility of failure, the more afraid we are.
Once you focus on positive goals, you won't be afraid.
If you don't force yourself, you will never know what your ability is. Don't forget that the things that make us proudest are often the hardest things to do.
Have the ability to help others, and also have the ability to make others trust you and be willing to ask you for help.
Don't bemoan what you have lost, but be grateful for the time you have had.
Half of the money earned is used, four-fifths is used to achieve short-term and medium-term goals, and one-fifth is used for daily expenses.
The improvement of the quality of life is not achieved by hoarding more and more high-tech products, but by having more free time, regaining the fun of neighborhood life, expressing feelings sincerely, and being able to engage in artistic work or start a business independently.
Cut expenses, reduce consumption, and become rich through thrift. Living in a civilian community, driving an economical car, persisting in constant financial investment for a long time, and making successful friends with coaches may not be a big circle, but it must be delineated and restricted.
How to increase wealth
Dog Qian Qian said: Making money is not boring. On the contrary, it will bring exciting moments and release people's creativity.
The premise of excitement is to do what you like. Do what you like to make money. Gia's cousin Marcel told Gia to pay attention to what she knows, can do and already has. Marcel likes riding a bike, so he earns money by riding a bike and delivering bread. Gia was inspired and found a job to walk her neighbor's dog. She didn't feel tired at all, but she felt happy in the process of walking the dog and entered the flow. It is this first bucket of gold that gives Gia a stable income and opens up more means of wealth step by step.
What you like can last forever. When Mr. Jin wanted to pay Gia for taking care of Qian Qian, Gia said angrily, "I am willing to take care of Qian Qian because I like it as soon as I see it, not to make money." So long-term profitable projects must be like this. You really like it from the bottom of your heart, and you are willing to continue doing it even if you don't get paid. But just because you are willing to do it for free, you can put your heart and soul into it regardless of any difficulties and failures, make better results than others, and do it longer than others, because this is what you like.
Earning money should bring value to users.
Qian Qian the dog said: Solve a problem for others, and then you can make a lot of money. So money-making projects must solve a problem for others.
This problem can be a pain point or an itchy point, and it is best to cool it down. The pain point is just like Mr. Hannekamp can't walk his dog because of a stroke. Gia helped walk the dog and solved Mr. Hannekamp's pain point; Itching point is like Marcel's customers don't want to get up early to buy bread on weekend morning, so Marcel sends bread to help them solve the itching point; Playing cool is like Gia giving a speech to children at school, so that they can learn how to make money, spend money and manage money. This is a cold spot that is both painful and itchy.
Earning money must bring value to users, so that users are willing to pay the bill and pay the bill happily. On the other hand, because it brings value to users, children can better appreciate the beauty of helping others, instead of turning making money into a zero-sum game.
Learn to invest, including investment banks, investment funds, and invest in yourself.
When it comes to investment, many people may find it too abstruse. I believe that most people still think of stocks directly and dare not touch them. Bodo Schaefer, the author of Qian Qian the Dog, tells us that investing is much easier than most people think. Remember three investment principles:
1, you should put the money in a safe place.
My money should lay a lot of golden eggs.
My investment should be simple and clear.
Corresponding to these three principles, the author introduced the fund to us. The seemingly difficult fund becomes very simple here, which fully conforms to the above three investment principles.
One thing must be remembered: don't put urgent money into the fund. The money here should be kept in it for 5- 10 years. For those who can wait for such a long time, the fund is almost a risk-free investment.
? How to choose a fund? The author of this book also gives some precautions:
1. The fund should be at least 10 years old. If it is profitable for such a long time, then we can think that it will work well in the future.
2. We should choose large multinational stock funds. This kind of fund spreads risks by buying stocks around the world, so it is very safe.
3. Compare the trend chart of the fund. We should observe which funds have the best year-end returns in the past 10 years.
After watching Qian Qian the Dog, you will be surprised that financial management is so simple, and the focus is on action. You think that 100 step is actually not as good as the actual 1 step.
Finally, end with a sentence in the book: If you don't do what you do today, you will never know what you can do after putting some pressure on yourself. What a person feels most proud of is often the most difficult thing to do. Let's take action now. Find it difficult. Why? Maybe it's easier than you think.
(September No.2021,No.202 184 of the writing brand IP special training camp, punched in: reading, 3302 words, * * * accumulated 3257 10+8 17 (two articles were added) =326527 words.