Because I am still in the stage of pursuing financial security, I am more concerned about the way to get rich, in layman's terms, how to have more money.
I don't know if you have found that all kinds of famous brands and luxury goods will appear more on people who are not very rich. If you think about it carefully, there may be the following factors: some people are not satisfied with their own wealth, so they empathize with vanity. "I seem to have a good life and a lot of money?" Do it.
I say this because not long ago, I was one of these people, and I was even more arrogant. I didn't have the financial strength to buy all the genuine products, and then I embarked on the road of buying all kinds of factory goods, hoping to be looked very handy.
Until recently, I put away my impetuousness, reflected on my life state and heart, and found my goal through reading, introspection and self-discipline: I want to become rich.
We need to customize a long-term (7-year) goal and a short-term (3-year) goal for ourselves.
Long-term goals are more important, because when we are on the road to getting rich, the obstacles ahead will block our sight of short-term goals. Without the support of long-term goals, we are more likely to be depressed and decadent
My 7-year goal: to achieve wealth freedom.
My three-year goal: to achieve a quality life.
Now, let's see how the author provides us with a step-by-step road to wealth.
0 1 saving
First of all, we should get into the habit of keeping accounts, so that we can know our own expenses, make a summary, reduce unnecessary consumption and make a budget for next month's expenses.
Recommended application: tracking financial management (I used this app for more than 500 days).
Recommended reason:
1. Monthly expenses can be classified, and income and expenditure can be seen at a glance.
2. The budget can be fixed.
Secondly, we should consciously form the habit of saving. Store 10% of the proceeds. If the residual income after deducting the budget is less than 10% of the total amount, 10% will be stored at the moment when the salary is paid.
Invest with savings.
Everyone should have heard the story of geese laying eggs. One day, a poor farmer found that his goose had laid a golden egg on his farm. Farmers can't believe it, so they take it to the bank for identification. As a result, goose eggs are pure gold. The farmer was overjoyed and sold the golden eggs.
The next day, the farmer found that the goose had laid another golden egg. He continued to exchange golden eggs for money, but soon the farmer was not satisfied with his goose laying only one egg every day. One day, in order to find out, he cut the goose in half and found that there was nothing in the goose except a golden egg that was forming.
Our accumulated savings are our geese. Remember: don't use your savings, use them to invest.
Suggestion: Open a separate account to store these savings and set up a fixed investment fund.
03 increase income
We should not only cut expenses, but also open up new sources and try our best to increase income.
How to increase income?
We should become experts in our field and the best people you can be. Use time+method+talent+money+cooperation with others to seek the most fruitful results.
No matter what difficulties we meet, we should concentrate on doing them.
1. What should I do?
2. What do I know?
3. What opportunities do I have?
Withdraw a certain amount from the salary increase as savings.
When we achieve the goal of salary increase through our own efforts, we should change our belief in money.
If you have completed your savings plan according to the first step of this article, you should be used to your current planned life by now, so take out 50% of your monthly salary increase to save and fatten our goose so that it can lay bigger eggs!
Let's act. I hope we can all change our faith in money from now on. I hope we can all get rich as we wish.