It was more than ten years ago that I first cared about financial management. I remember that it was only 3, yuan a month. To be honest, there was hardly any money left at that time, and I could only support myself every month.
At that time, financial management was supposed to rise, so I always heard people say, "You don't manage money, and money ignores you." If so, I especially want to know, but I can't start. Find a professional. It's very shabby to have only a few hundred dollars in hand. I'm afraid others will ask me about my principal and say it shamefully. One day I asked my colleagues in the office, do you know anything about financial management? Can you recommend some books or methods? A male colleague looked at me with disdain and said, "Financial management?" How much money do you have and manage your finances? " Since then, I have always believed that financial management is an exclusive game for the rich.
I didn't realize the great crisis until a few years ago, when I paid the down payment on my house and my face was clean and I had to borrow money for the first few months. Because of the urgent need for money, I began to seek opportunities, and I began to read several books on financial management seriously, only to know that financial management has nothing to do with having money.
Seeing that many people here may question that financial management has nothing to do with wealth?
Let's briefly talk about my understanding of financial management:
The first thing you need to have in financial management is the ability to plan your life reasonably. Only when you plan your life well can you have money to manage your finances. Secondly, there are some comprehensive abilities, such as self-control ability, negative pressure ability, etc ...
Many people think that only when they have money can they put money in the bank, make wealth management products or invest in the stock market, so as to achieve the purpose of making money.
Actually, you are wrong. Why manage your finances? It is precisely because there is no money to manage money that the first skill you need is the ability to plan your life reasonably.
Only by making a reasonable plan of life, spending every sum of money on what is just needed, and omitting unnecessary expenses, can there be savings, so as to achieve "money", and then put this small sum of money into the market, so that it can generate tiny interest. Many people look down on this small sum of money, but they don't know the truth that every little makes a mickle.
In fact, it's not easy to save this money from the tight living expenses every month. Since then, I have started to keep accounts, and I have never let go of a popsicle and a piece of chewing gum, in order to save unnecessary expenses next month. I set myself the goal that even if I don't eat popsicles or chewing gum for a month, I will save one less piece of clothes in the bank in 1 yuan.
Self-control ability is actually easy to understand, that is, reasonable expenses should be strictly implemented.
many times, it is actually very difficult for us not to satisfy our body's preferences. For example, if you want to eat a popsicle in your mouth, from the heart, there is very little money, which should not affect our plan; As a matter of fact, I may have really spent these two dollars, which led to my goal not being achieved at the end of the month, and I only saved 998 yuan. If I just deposit the money in the bank or regularly, I won't feel much difference, but if I vote for a fund, I'm sorry that your vote failed!
another aspect of self-control, financial management is a long-term project, not a short-term one. So don't give up after three to five months, feeling that the results are very low, or stop after a year or so when you feel that you have saved a sum of money and have a desire for something, you should have a long-term and firm belief.
negative pressure means having a peaceful attitude towards the market. Don't think too much about the volatile market.
a friend who just started to invest in the fund is highly concerned about the recent market. Whether it's earned or dropped, just ask me quickly, is it time to sell it? It has risen for several days in a row, and I asked if it is time to increase leverage.
dear, if you pay so much attention every day, your heart is prone to problems. First of all, master your own investment ratio, then learn more about investment, basically understand the market rules, set a target rate of return, be prepared for a protracted war, and leave the rest to the market.
when you set a monthly deposit target, you have to look for opportunities to open up sources. All kinds of part-time skills are essential, and then we can achieve our goals through study and further study.
Financial management is actually a positive incentive process. When financial management has certain results, it will encourage us to grow faster and become stronger.
after the target rate of return is set, once it is reached, it is necessary to make a quick move and not be greedy. If you hesitate to wait and see, you may miss the best opportunity. Similarly, when the market is good, don't be greedy and blindly increase leverage, which may lead to quilt cover. Therefore, after setting the investment ratio and target rate of return, it will be strictly implemented, and it will be shot when it is time to shoot. Don't pay attention to it after the shot, lest it will cause your own regrets.
financial management is not a game for the rich. On the contrary, the poor should manage their lives first, and then gradually grow into big coffee.