No matter what we accomplish or achieve, the premise is that we want to do it, and only by "wanting" can we put it into action, and the stronger this desire for "wanting", the greater the possibility of our realization. The same is true for realizing the first bucket of financial management in life. First of all, you should have a strong desire to "save some money", which is the source of your goal.

So how do you build this desire?

Use dream portraits. This is to realize your goal after imagining and depicting a successful portrait in your mind. The more detailed, vivid and real you are, the better you feel, such as what kind of clothes you wear, what kind of smile you have on your face, what kind of admiration your parents, relatives and colleagues have, and what kind of specific response you have. You should open your heart and immerse yourself in a happy, quiet and enviable scene. As long as you experience the sense of joy, accomplishment and satisfaction after success, you can stimulate your desire to save money.

Of course, desire and imagination alone are not enough. The important thing is to put it into action, otherwise it will really become daydreaming!

In the execution of the action, there are also some methods and skills to help you stick to it, that is, to establish a positive feedback mechanism-that is, to break down the big goal of "saving a sum of money" into many small goals, and reward yourself appropriately after each small goal is completed, so that you can feel the progress and achievements in time and be more confident to complete the final big goal.

So how to build it?

You can take month, quarter, half a year and one year as key time nodes. After each node reaches the target (such as saving 20% or 40% of salary every month, saving 1 1,000 yuan or 20,000 yuan every quarter, etc.). ), give yourself a small reward-set according to your own preferences, such as watching a movie, sleeping in, shopping in the afternoon and having fun.

With the motivation to save money, we will enter the next step: how to implement it concretely.

2. Savings formula to achieve the goal

Rogers, an investment guru who founded Quantum Fund with Soros, an international investment tycoon, and is as famous as Warren Buffett, parted ways with his first wife because of the differences in the concept of saving money, and thought that "it was a failed investment experience".

Rogers thinks that money should be saved for investment, while his wife thinks that money should be eaten, drunk and merry. For example, his wife wanted a TV set, but Rogers said that he would save the money and invest it to buy ten TV sets in the future. His wife retorted, "I just want a TV set now!" " "Finally two people divorced.

Almost all successful people like Rogers have an important ability-the self-control of delaying enjoyment, that is, restraining the current consumption enjoyment and saving money to save the first bucket of financial management principal in life. But how can we save money and money?

We used to think that the savings formula was as follows:

Income-expenditure = savings

That is, after deducting our daily expenses from our monthly income, we get savings, which is a widely recognized way of saving money. But if you combine the story of Rogers above, you can get a different formula:

Income-savings = expenditure

Although both of them live within our means and refuse to overdraw, on the surface, they are simply the exchange of savings and expenses, but their essence is completely different, reflecting two completely different solutions and methods: the former values monthly expenses and thinks that these expenses are rigid, and the money left after meeting these needs constitutes savings; The latter puts more emphasis on saving, thinking that the amount of monthly savings is rigid, and only when this is met can expenditures be arranged.

If we take Rogers' story again, it is that the former thinks that buying TV is a necessary expense, so the savings will be reduced; The latter thinks it is most necessary to save the money for buying TV as savings, so that the goal of the first bucket of money management can be realized earlier.

Saving money requires self-control and can resist the impulse of consumption now, which can be traced back to the strong desire-the strong determination to "save a sum of money" mentioned in the first section.

But when we save money, do we still need to keep it in the bank like our parents? Don't!

3. The form of saving money should keep pace with the times.

Now let's talk about financial management articles. When it comes to saving money, most of them are mainly bank deposits. The methods are as follows:

52-week method

In the 52 weeks of a year, save a certain amount of money every week than the previous week. For example, you can deposit it in 50 yuan for the first week, 55 yuan for the second week and 60 yuan for the third week. By analogy, you will have an initial financial capital in one year or several years, which is more suitable for European and American countries that implement weekly salary system.

12 deposit receipt method

Within 12 months of one year, deposit a fixed deposit certificate with a term of one year every month. In1March, that is, the first month of next year, you will have two certificates of deposit with a term of one to several years. After enjoying the compound interest income, you will also get a lot of initial investment.

With the rapid development of financial innovation, these ways of saving money are too traditional and outdated ―― lower returns and worse liquidity. Actually, we have a better choice.

Monetary fund

It has both the liquidity of demand deposits and the profitability of one-year time deposits, which can completely replace the aforementioned 12 deposit certificate method. At present, the redemption of money funds is almost real-time, which can be used to pay for consumption on many platforms like cash. Its annualized income is about 4%, slightly higher than that of one-year time deposit, and the income is paid on a daily basis-if the time deposit is withdrawn in advance, only the current interest income can be obtained.

Automatic investment plan

You can invest a fixed or variable amount every month, week or fortnight to accumulate original financial capital. If the time is short, you can choose a bond fund with less risk and fluctuation. If the time is more than three to five years, it is even more recommended to invest in stock funds or index funds. This will not only save money, but also get a high probability (as long as a bull-bear cycle) of investment income.

Online finance

At present, there are many big brand mutual fund platforms similar to Baidu Wealth Management, and their risk control, performance payment, legal compliance and other aspects are very trustworthy. Generally, there will be short-term fixed wealth management products within 1- 12 months, with an annualized income of about 6%, which is mostly higher than that of bank wealth management products. Individuals can make appropriate purchases according to their idle funds in order to obtain higher returns.

Buy a house for monthly payment

In fact, the monthly loan for buying a house is also a way of saving. Only at the moment of high housing prices in first-and second-tier cities, there is a high down payment threshold and monthly pressure, but for those groups who can increase the down payment and earn a higher monthly income, they can be considered. Under the background of urbanization dividend and economic dividend, real estate investment is still a good investment channel. Not only will the house be profitable if it is sold, but it will also be profitable if it is rented. Mortgage/credit loan financing is more convenient.

Elbow oil has the best polishing effect. Only with determination, it is not difficult to realize the first bucket of financial investment!