The happiest woman who understands her husband

Chapter 73 Financial Management Can Change Destiny, Money Can Create Happiness (1)
Be the master of money, not the slave of money
"Gold diggers" are not a socially recognized group.Gold worshipers blindly worship money, regard the value of money as the highest value, and all values ​​must be subordinated to money. They put family, friendship, love, etc. at the feet of money; they believe that money is not only omnipotent, but also the measure of all codes of conduct standard.It is precisely because gold diggers emphasize the importance of money so much that they become mercenary, often only see the surface of many things, and fail to see their connotation and spiritual level, and often live an extremely empty life.

None of us want our loved ones to be money diggers.Because in the hearts of people who worship money, they can give up everything else for money.This kind of person is too scary!When this kind of person is the richest, she is also the poorest, because she is so poor that all she has left is money.

In the 2008 Miss Asia finals, the No. 1 beauty Yao Jiawen, originally from Xi'an, China, won the highest votes of 137610, and won the crown and the "Most Perfect Body Award".Yao Jiawen is the most educated master's beauty in the audience. She was not noticed before the game, but she became the dark horse to win the championship that night.In the final stage of the two-strong decisive battle with Yan Zifei, she was kicked out by the guest who had participated in the beauty pageant twice before. When she participated in the "Miss Chinese Cosmos Contest" in 2004, she had no choice but to choose her parents as the first choice among the three multiple-choice questions of "Money and Husband", "Money and Parents", and "Money and Country". She did not hesitate to choose money, but was regarded as a "money worshiping beauty" by netizens and bombarded.The guests at the night asked her a sharp question: what is the purpose of participating in the beauty pageant, is it to catch a rich man?She confessed her true feelings: "In 2004, I was scolded for participating in the beauty pageant, thinking that I was doing it for money. Now that I am fighting again, it is actually because I want to be a host, and I want to have this job!" This answer made her votes soar.

From this example, it is not difficult to see that we all don’t like people who worship money. No matter how beautiful a woman is, if she worships money, it will make people feel that she lacks some of the most basic emotions as a human being. We are not the same kind anymore.

Money is not everything, and there is a song "Song of What You Can Buy and Can't Buy" that explains it well: "Money can buy a house, but not a home; money can buy medicine, but not health." ;Money can buy food, but not appetite; money can buy a bed, but not sleep..." Some wealthy millionaires often lament that they are spiritual beggars, that is, "we are so poor that only money is left. Yet?Therefore, we must establish a correct view of money.

There are two kinds of happiness in life, namely "the happiness of life" and "the happiness of life". Those who can obtain these two kinds of happiness should be the happiest people.The happiness of life pursues food, clothing, housing, transportation, fame and wealth; the happiness of life pursues peace and joy, true love and warmth and eternal destination.If your mind is full of money-worshiping ideas, even if your life path is rich in the end, your life path will be poor.Then even if the room is full of high-end luxury goods, you will only be left with emptiness as a companion and loneliness as a pillow.

We must see that money is closely related to life, and we should also see that money is not the whole content of life, nor the decisive factor of life value.The goal of our life is not just to make money, but also to enjoy more happiness and live a more fulfilling life.

Therefore, we are not gold diggers.What we have to do is to regard wealth as a hobby, and we should not completely bow down to it.Only by being the master of money can we enjoy the happiness that money brings us.

Before starting to manage money, define "happiness" well
Women who know how to manage money can usually understand the meaning of happiness more deeply than others.Because, a financial woman is a rational woman, but also a wise woman.They know how to take care of their lives; know how to arrange their families; know how to plan their future.

Many women who know how to manage money feel a kind of real happiness through managing money.Through financial management, they live a colorful and happy life within the income level of themselves and their families.A family, under certain objective conditions, how to live and how to live, the difference is very big.As the saying goes, you can't eat poorly, wear poorly, and you will suffer poorly if you don't plan. This is the truth.

Of course, outsiders may not be able to see how life is going. After all, each family and each person's habits and life goals are different, and the standards are naturally different. Only the parties feel satisfied and happy. , life is better.A woman who knows how to live, she can plan all the complicated affairs of the small family thoughtfully, even in the tightest days, she can live a decent life, everything is in order, and what to do seems to be easy. In control.

We all know that life is not a mess but a life, happiness is not a thought but a creation; tomorrow is not a continuation of yesterday's achievements, but a reward for today's efforts.

Some women are really good at managing money, but they don't understand the meaning of happiness. They always quarrel with their husbands because of money, because they feel that the other party has not paid or underpaid the family expenses that should be paid.When this type of woman saves money, she doesn't think about her family or her children, but about preparing more savings for herself so that she won't have nothing.

In the end, these women lost their families, lost their love, lost their freedom, and lost their beauty.The loss of happiness is because these women don't understand that in the concept of family happiness, there should be no haggling, selfishness, or uneasiness. Words such as calmness, happiness, management, and warmth should be replaced.

If it is a kind of happiness to be able to live a wonderful life within one's own economic level, then there is another kind of happiness that is also indispensable to women.That is to fulfill your dreams!After becoming wives and mothers, many women have given up their dreams and let time ruthlessly age themselves.In fact, a woman who really understands the meaning of happiness knows that she needs to live for herself in this life, and needs to work hard to realize her dreams.

We need to have our dreams, and we need to reflect our life value through the realization of our dreams.At the same time, we need love more!

When we manage money, we do not manage money for the sake of managing money, but hope that through financial management, our love will become more abundant.We hope that through financial management, we can make our families live happier; we hope that through financial management, we can make our loved ones live more smoothly.To be surrounded by the love of others is a kind of happiness; to pursue what one loves is also a kind of happiness; to admire each other is happiness; to be together for a lifetime is also a kind of happiness.As long as there is love, our happiness will not be so dry, and our happiness will not be so short and shallow.

If you plan to start financial management today, please don’t forget to ask yourself first, "Am I happy?" What kind of happiness do you want? This is a very important question, because it will be the driving force for your financial management and also your Financial purposes.A woman who knows how to be happy will have a more beautiful life.

Record household expenses and take the first step towards reasonable financial management

Keeping records of family expenses is for better family budgeting.Because you can only know which expenses are essential, which expenses are dispensable, and which expenses are wasteful only when you have an understanding of the family's income and expenditure situation.So as to lay the foundation for reasonable financial management in the future.

As an example, an American couple, when they started keeping track of their household expenses, were surprised to find that they were spending more than $70 a month on alcohol.They weren't alcoholics, however, just an enthusiastic couple who welcomed their friends to "come over for a drink" when they were in the mood.To this end, they made a wise decision: instead of opening a free bar, they used the more than 70 dollars on outdoor sports.

You know, living at home, the expenses of going in and out are very sporadic.Three meals a day, transportation, entertainment, etc. seem to be fixed, but there will always be some inadvertent extra expenses. At the end of the month, you will be surprised. up.So, from now on, prepare a ledger and write down every expense in your life.This method may seem simple, but it is very effective.

To keep accounts, you must first choose a good bookkeeping method.As long as you are willing to spend time, starting from daily bookkeeping, digitizing and tabulating your financial status, you can not only easily know your financial status, but also make plans for the future.

The most commonly used accounting method is to record in the form of a running account, which is registered one by one according to time, cost, and items.To adopt a more scientific method, in addition to faithfully recording every consumption, it is also necessary to record the payment method adopted, such as credit card, cash payment or loan.

Secondly, we must pay special attention to remembering the expenditure of good money.The whereabouts of funds is divided into two parts: one is recurring aspects, including daily expenses, which are recorded as expense items; the other is asset aspects, which are recorded as asset items.Assets provide future long-term services. For example, if you spend money to buy a refrigerator, cash and the refrigerator are both asset items. One decreases and one increases. If the refrigerator has a life span of five years, it will provide medium and long-term services; if you buy real estate, it will also bring life. comfort and long-term service.

Finally, collect and sort out all kinds of accounting documents.If bookkeeping is the first step in financial management, then the centralization of vouchers must be the primary task of bookkeeping, and you should develop the habit of asking for invoices for daily consumption.On weekdays, on the invoices collected, clearly record the consumption time, amount, product name and other items. If there is no product name on the receipt, it is best to add it immediately.

In addition, bank withholding receipts, donations, loan receipts, card swiping receipts, deposit and withdrawal receipts, etc. must be kept one by one, preferably in a fixed place.After the vouchers are collected, they are divided into six categories according to the nature of consumption: food, clothing, housing, transportation, education, and entertainment. Each item is arranged in date order to facilitate future statistics.

Keeping accounts is expensive, and you must clearly record the coming and going of money.The reason for not being able to develop the habit of keeping accounts is not only weak will, but also too trivial to keep accounts. It seems that it is not worth the effort to record money expenditures.

In fact, there are a few bookkeeping tips that can assist in continuing the bookkeeping habit.

First, there is the rough recording method.

The daily expenses are quite trivial, and it is of course best to be able to record them item by item. However, if those who give up keeping accounts purely because of this factor, they can use the method of only recording approximate expenditures instead.For example, if the three meals a day add up to a total of 25 yuan, then the food expenses for one month can be recorded as 750 yuan (25×30).Other projects can also be handled in the same way. Simplify the method and record the key points, and it is easy to turn bookkeeping into a habit and maintain it.

Second, there is the expenditure review method.

It is not enough to record daily consumption like running water, it is more important to analyze money-saving skills from these boring data.The review consists of two parts:

From the perspective of income, think about whether there are other possibilities of "open source"; from the perspective of expenditure, check whether each expenditure is necessary and reasonable.

In addition to recording daily living expenses, there must also be a record of family property.

It is necessary for the family to establish three books of financial management: the family financial management book, the family's invoice file for valuables, and the family's financial asset file.

1. Financial accounting book

Its account books can adopt the "three-column style" of income, expenditure, and balance. In terms of method, the amount of income and expenditure can be recorded in the form of a running account sequentially, month-end settlement, and annual summary.At the same time, set up detailed ledgers according to family economic income (such as salary income, operating income, borrowed funds, etc.), expenses (such as seven things to open the door, purchase of clothes, etc.), and record according to the amount incurred, month-end summary, annual make a summary.

2. Invoice file

Mainly collect shopping invoices, certificates of conformity, warranty cards and manuals, etc.When encountering quality accidents and causing losses to oneself, the shopping invoice is undoubtedly an important proof for seeking justice and safeguarding one's own legitimate rights and interests, so it must be kept properly.During the warranty period, the warranty card is the product warranty certificate, and the manual is a good helper for maintenance personnel in case of failure.

3. Files of financial assets

Relevant information can be recorded in the book in a timely manner. When deposit certificates and other instruments are lost or stolen, they can be verified according to the family financial files and reported in time to reduce or avoid economic losses.

Draw a roadmap for family financial management, and follow the map to find the "leader"

As the host of the PBS special "Money Savings for Smart Women," David Bach is widely regarded as one of the nation's finest financial advisors and educators.He said that a smart woman draws a good financial roadmap with her heart, as long as she follows the roadmap, wealth will be at her fingertips.Next, we share Bach's seven financial management strategies with you.

Write down the goal: Only the written down is the goal, otherwise it is just empty talk.If you don't write your wish down, you won't waste time thinking about it.Think about how many times you've had a "bright idea" that you thought was going to make you a ton of money, only to forget about it a week later.Why?Because you didn't write it down.If your goal is worth your effort and time, then it's worth writing it down—and if you don't, who should?
Objectives must be detailed, quantifiable, and testable.For example, writing "I want to be rich by 2010" is pointless.You should write something more detailed, such as: "I will save 10% of my gross monthly income, so in 3 years I will have $4.8 in savings, the pre-tax retirement account minimum. "

Take immediate action in the next 48 hours and move towards your goal.Let's say your goal is to be able to buy a vacation home.Well that's a long term goal and realistically you can't expect to achieve it in at least 5 years.But that doesn't mean you have nothing to do now, start working on this goal in the next 48 hours.For example, you can ask for a list of some reputable real estate agents, and then you can choose to call some of them to see if you can get some information about houses for sale to see if they can meet your price requirements and satisfy you. you are interested.You can do a lot more, the key is to do it.Take action to make your written goals seem real and certain.

Put your goals where you can see them every day.For example: in the handheld computer, on the wall, on the bathroom mirror.The point is that you can see your purpose every day.By browsing every day (preferably in the morning when you first wake up), you can continuously strengthen the purpose of life, and finally become very personal and real.

Tell someone you love and trust about your goals.How can friends and colleagues support and help you if you don't tell anyone what your goals are?

No matter how many items there are, to be a person who is good at managing wealth starts today.

Under normal circumstances, there may be three roles of women in family financial management and decision-making: the first is the main pillar or one of the pillars of family income, and is also the decision maker of family expenditure and investment; the second is the secondary role of family income. The main role, but the main role of household financial expenditure and management; the third is a subordinate role in terms of household income, a non-principal decision maker in household investment, but has decision-making power in household expenditure.

In either case, women are an integral force in family financial decision-making.Unless you're planning to give up your financial decision-making power entirely, learning about family finances can be beneficial.

In fact, whether you are independent or dependent, you are actually your own master, just like looking in the mirror every day before going out, thinking about what I have done to improve my wealth management ability every day?Then you go and do something.Day after day, year after year, your intelligence becomes your wealth, the wealth of your children and husband, and the wealth of the whole family.

Housekeeping in a proper way, five steps of family financial planning plan
In the information age, assuming that everyone understands the basic applications of computers and the Internet, it is best to understand the simple use of Excel software.The financial management steps are based on the family as a unit, women can refer to its principles to implement.

1. Family Property Statistics
Household property statistics are mainly to count some physical properties, such as real estate, household appliances, electrical appliances, etc. You can only count the quantity. If the original documents at the time of purchase are still there, you can collect them together and keep them properly, especially some important ones. It is recommended to keep the documents permanently.This step is mainly for better management of family property, and we must be aware of our own property so that we can "increase income and reduce expenditure" in the future.

2. Household income statistics
Income includes all kinds of pure cash income per month, such as net salary, rent, other income, etc., as long as it is cash or bank deposits, it is included and classified in detail.Any potential gains that do not result in cash or bank deposits are not counted and should be included in the Household Assets Statistics.For example, the future pension insurance is only included in the income when it is actually received.Although this is not in line with the accounting method, for the family, cash and bank deposits are the actual money available every month.

3. Household Expenditure Statistics
(End of this chapter)