Financial management, operation, arrangement and management; Wealth, wealth, assets. On the whole, financial management refers to managing one's own finances, the core of which is to control assets and liabilities, which is mainly reflected in the management of capital flow.
In daily life, I always see that others have sufficient assets and a happy life. They can buy anything they want, and often go out to restaurants and get together with friends. I always feel that such a person must be dragging a thousand dollars and eight hundred dollars. In fact, he may be just an ordinary working class like everyone else. There are no monopolies, nouveau riche and consortium bosses in society. But after all, it is a small part, and most people may be immersed in the mud beach of finance all their lives. In the final analysis, they have no intention of using their own finances, and they can't even tell what liabilities are and blindly expand, and what assets are discarded at will.
Financial management should expand assets and reduce liabilities.
Youth is not capital, but the ability to work by using youth is capital. Since graduation, we have been working and doing business to make money, which shows our capital. And youth cannot buy wealth directly. Asset items are items that can bring positive income to your wallet. For example, if you invest in a house, you need to pay back 2,000 yuan every month. If you rent 3,000 yuan yourself, you can get a cash inflow of 1 1,000 yuan (excluding the interest cost of the investment principal here), then this house is your asset item.
Expenditure is not a debt, and unreasonable expenditure enlarges the debt. I always look down on my daily purchases at buy buy. Have you ever thought that I used toilet paper for one year in Double Eleven, which made me heavily in debt? Although many people always think that using cheap time to store some daily necessities is to save money, it has caused the loss of capital cost, space cost and management cost. I also invested in a property, because the auction house has never delivered it, and I have no money to decorate it after delivering it to you. During this time, you have to pay the mortgage for it every month, so that your wallet will flow out for him every month. In this way, this property is actually a debt. Liabilities are items that bring negative capital inflows to your wallet.
An event can achieve positive cash flow through reasonable planning and use, which is financial management. Always thinking about expanding assets, reducing liabilities, and finally making asset returns far exceed liabilities is the success of financial management.
Misunderstanding of financial management:
1. Stock trading, foreign exchange speculation, gold speculation and digital currency speculation are not financial management, but speculation.
Many people think that financial management requires investment, and investment is stock trading. This is a very wrong decision and a deliberate misleading of social communication! First of all, it is uncertain whether the A-share market is a market suitable for value investment. Secondly, it is uncertain whether A-share participants have valuable investment (yes, definitely, but the proportion is very low). Compared with the mature capital markets such as the United States, investing in stocks (which is not an ignorant business) can get rich returns by getting dividends and bonuses, which is difficult to do in A-shares. Moreover, the secondary market of the stock market reflects a more professional investment method. It is still a good proportion to make one profit, two draws and seven losses, which may actually be more terrible. So this direction is not a good financial direction, but it is precisely this year that these things can fill people's ears most.
Second, realize financial freedom as soon as possible and enjoy poetry and distance.
Many financial problems in our lives are predictable. For example, three important scenes of financial expenditure-children's education to getting married and buying a house, parents' medical burden for providing for the aged, and their own and their spouses' pension reserves. I went to work after graduation, but how many people can save money to buy assets during this period? Love, chic, return to parents, weak assets inflow, it is difficult to reserve; From the birth and education of children to marriage and home ownership, the wealth you have saved may be directly consumed at that moment according to the current social situation; Parents' pension and medical care have improved a lot, but who doesn't want their parents to enjoy their old age? So, are you ready for the peak of your financial expenditure? If there is no preparation, these things come. What should we do except borrow money?
The general view of accounting freedom is that the income from investment or financial management projects can exceed the normal inflow of one's own work without worrying about unemployment. Or take the initiative to lose your job and do what you want to do. But how can we plan to accumulate faster? This is financial management.
It is usually optimistic to finish work at 45. However, many people want to complete wealth accumulation, realize financial freedom and enjoy the blue sky, sea air and future in Xiong 'an, Tibet by the age of 30 ... The ambition is good, but the reality is often skinny. Too eager to achieve the goal often makes people take the so-called shortcut, but finally take a step back-in fact, God is fair, and there is a direct relationship between pay and return.
Third, work earns less than others.
Work is the main way for most people's wealth to flow in. But people always don't like their jobs, their income and their bosses at work. Instead of trying to improve their working ability and earn more money. Looking at another mountain, this mountain always wants to change to a better platform, but the result is that the average income is lowered in the process. Instead of denying the pursuit of a better platform, we emphasize the importance of planning.
Financial management is simply the management of your own cash flow. There are many tools, but it is necessary to distinguish the relationship between financial management and investment-investment is an advanced project in financial management and requires considerable knowledge and skills to participate.
Financial level: reasonable deposit reserve; Purchase wealth management products; Fund; Stock market; Foreign exchange market; Futures market; Bonds, real estate, equity, etc.
Other aspects: invest in food, clothing, housing and transportation projects, and do small business or big business in your spare time. ...
Allocate your own funds reasonably, try to avoid the burden brought by debt, and hope that readers can complete the accumulation of wealth as soon as possible, realize their life goals and enjoy a meaningful life.