The happiest woman who understands her husband

Chapter 74 Financial Management Can Change Destiny, Money Can Create Happiness (2)
This step is the most important and most complicated step in financial management. In order to make financial management easy and simple, it is recommended to use Excel software to do it for you.Each of the following major categories should be subdivided so that every penny is known where it goes, recorded every day, summed up every month and compared with the budget.Savings can be postponed to the next month in order to avoid overspending as much as possible, and the budget can be increased under special circumstances.

fixed expenses.As long as it is a fixed monthly expenditure, it will be recorded in detail, such as rent or mortgage loans, various fixed monthly rent fees, various insurance premiums, etc.There may be many types, manual recording is very cumbersome, and Excel recording is very simple.

Necessary expenses.Water, electricity, gas, telephone, mobile phone, transportation, gasoline and other monthly expenditures that cannot be saved.

living expenses.It mainly records food expenses such as oil, rice, vegetables, and salt, and nutrition expenses such as milk, fruit, and snacks.

education spending.Learning expenses for yourself and your family.

Disease medical expenses.Regardless of whether there is insurance or not, it will be recorded according to the cash paid at that time, and will be included in the monthly income column after the insurance premium is reimbursed.

other expenses.The situation of each family is different, so it is difficult to explain it all, but the principle is clear to everyone at a glance. It is actually a running account, but you must remember to remember this running account in detail and clearly, so that every penny is clearly spent, as long as you keep doing it for half a year , Will be able to develop a good habit of "living within our means".Using Excel software to do this work only takes a few minutes at most every day, which is very simple and convenient.

4. Create a budget for living expenses
Refer to the expenditure schedule for the first month to formulate a budget for living expenses. It is recommended to relax some expenditures as much as possible, such as food expenses and nutrition expenses.The purpose of financial management is not to control consumption, not to be stingy, but to spend money in a real, clear, and reasonable way. Therefore, you can list a separate "uncertain expenditure" in the budget, with a fixed several hundred yuan per month. If it is not finished, it will be deferred, and if it is used up, it will be overdrawn next month.The purpose is to make life more relaxed without developing the bad habit of being extravagant.In today's era, even if you have a monthly salary of 100 million, if you are extravagant, you can spend it all in one day.So if you don't know how hard it is to make money, you don't know how expensive it is to manage money.

5. Separate financial management and investment accounts

When the monthly income comes to the account, immediately deposit the cash for the monthly budget expenditure into a current savings account separately. The funds in this wealth management account must not be used for any investment.

Monthly income minus budgeted expenses equals funds available for investment.It is suggested that when making a budget, it should be relaxed as much as possible. Some large expenditures that are concentrated in a certain month should be included in the budget several months in advance. For example, if a large amount of money must be paid in June, it should be paid in January. It is included in the budget, deducted from the income in advance, and deposited into a wealth management account. Normally, it cannot be used for any investment, except for short-term fixed deposits or currency funds.

After careful consideration, the remaining funds can be deposited into investment accounts, which can be divided into the following types: bank fixed deposit accounts, bank treasury bond accounts, insurance investment accounts, securities investment accounts, etc.Bank fixed deposits and bank treasury bonds are currently the main investment channels for the working class. This is mainly because most people know little about financial products, and the lack of information has resulted in nowhere to invest and nowhere to dare to invest.Although insurance investment is very important, the average working class also lacks the ability to distinguish.

Securities is a broad concept. When you mention securities, you can’t just think of stocks as a high-risk investment product, so as to exclude yourself from the door of the securities market. You must know that securities also include bonds and funds.

Women of different ages need different financial solutions
Financial management is a compulsory course for every woman. However, this compulsory course varies from person to person. Women of different ages need different financial management solutions.Your age directly determines what kind of financial plan you should make.

For women in their 20s, if you only know how to pursue food, clothing, entertainment, enjoyment, and vanity, but you don’t know how to make progress, don’t know what struggle is, and don’t want to suffer and suffer...then you are very wrong.

In your 20s, you should be the age to learn the most basic knowledge of financial management, and the age to learn how to take care of yourself.Miss out on financial planning at this age, and you could spend the rest of your life in muddled money habits.

You have to learn to keep accounts, through which you can discover the problems in your consumption and develop good habits of saving and planning.

You have to accumulate more, even if you only save a few hundred yuan a month, you can invest through the fixed and fixed investment of the fund.Relatively speaking, the investment portfolio can be allocated more stocks, stock funds or allocation funds and other products with slightly higher risks.

You have to improve yourself and accumulate intangible wealth.As the saying goes, investing above the neck is always right.Newcomers to society and the workplace, broadening their horizons, enriching themselves, and improving their overall quality and work ability are all of great benefit to the improvement of self-worth.

Don't use your youthful arrogance to show disdain for these things you should do, you know?Your disdain will make you struggle 10 years more than others in the future.When you are enjoying the joy of using money recklessly, your peers have already started the initial attempt to manage money, digging the first bucket of gold for yourself when you were young.Liu Yamei is such a woman.

Liu Yamei started stock trading when she was in college, and her initial stock trading capital was 1 yuan of start-up funds borrowed from her father. "I didn't know anything about stocks at the time, but my brothers were all stock players for many years. They told me that women are born with a sixth sense, especially me. I am very lucky. I will definitely succeed. I was a poor student at the time, and I made 400 yuan a month. The living expenses of 1 yuan, I have to save for several months if I want to buy a beautiful dress, and I have to reach out to my brothers. It feels really uncomfortable to have no money. So in response to the old saying, the ignorant has no fear, my bottom line is that I lost all 10 yuan , After going to work, slowly return it to Dad. Don’t be afraid of losing, this is the capital of youth, and you can start over.” Liu Yamei believes that when you are young, you can’t use money to enjoy it, you should invest it with money to let it appreciate.As a result, after four years of university, Liu Yamei turned the [-] yuan borrowed from her father into [-] yuan with a conservative attitude.

Liu Yamei, who is still a college student, has used her financial plan to lay a certain foundation for her to enter the society.What about you who have entered the society?You have already started to get a salary, you have more money than Liu Yamei, right?But, have you made money?Where is your money going?As Liu Yamei said, 20s is a good time to accumulate capital, why not allow yourself to witness the power of financial management in the past few years?
When the age of two prefixes comes to an end, the carefree urban women in the past will suddenly find that there are more hazes in their lives: the mortgage has risen again, the husband needs to add a car, and the money for parents to see the doctor Sales are increasing year by year, and suddenly there are many young women competing for positions in the company... Also, the cost of giving birth to a baby and raising him until he is 18 is actually 49 yuan!As a result, women in their 30s began to worry more. They need to pay attention to themselves and their families.

More than 30 years old is the stage with the largest family expenses and the heaviest financial burden.At this time, women need to change their financial management strategies in their 20s, and gradually shift the focus from individuals to families.Consumption needs to be planned, and investment needs to reduce risk.

Women in this age group should configure some essential skin care products and clothing according to their age, income, status and work needs, or have some entertainment activities, interpersonal entertainment expenses, and even complete marriage events, etc. Generally expensive.In terms of investment, some stable products can be appropriately added to gradually reduce high-risk investment products, and some products with slightly higher liquidity can be allocated to deal with possible short-term large expenditures.

Once a new member joins the family, it is necessary to re-examine the family financial composition.In addition to the original expenses, the baby's upbringing and education expenses are a huge expense.When the baby is one or two years old, you can start to purchase education insurance or regular regular investment funds to raise children's education funds. The investment period of children's education funds is generally more than 15 years.

In addition, the more economically stressful the period, the more important the allocation of insurance.

Maybe you didn't have the idea of ​​managing money when you were in your 20s, so you can only start from scratch at this stage and manage your money well.

"My husband is my high school classmate. He works in a monopoly industry and his salary is three times that of mine. We are a typical weekend couple. He works in a suburban county and I live in the provincial capital. I have a dormitory at work and my home is also in the provincial capital, so I live a happy 'single woman' life from Monday to Thursday. On weekends, I basically go back to my husband. Although there are few housework, we are too lazy. We hired a part-time worker to clean twice a week. I haven’t cooked at home for several years. Later, my son was born, and my husband bought a car worth more than 31 yuan. Later, my son was half a year old, and I couldn’t let him live in the dormitory with me after maternity leave, so I started asking about houses like crazy. Finally, within a week, I used up all the money at home and bought an existing house. During this process, I realized that I had missed a lot of opportunities to make money: first, It was a mistake to buy a house after buying a car. Second, when buying a house, all the cash on my husband’s card was current, and there was no time deposit certificate at home, which was a pity for the interest. Third, I never started a business at home, wasting a lot of money. Fortunately, I am [-] years old It’s not too late for a woman to work hard now, she still needs to applaud herself and encourage her.”

This is a reminder from a married mother in her 30s. Because she didn’t have a financial plan in her 20s, she missed a lot of opportunities. After having a child, the expenses gradually increased, and the expenses of the house and car also appeared In front of my eyes, financial concepts such as insurance also flooded my mind.We wish her well, it's not too late for her to start!How about you? Are you ready for your 30s?
Compared with women in their 30s, a 40-year-old woman is more likely to get lost.I thought I belonged to the family, and all my life revolved around my husband and children, but I suddenly found that the once full and busy self was empty. At this time, we need to find ourselves again.Women should not regard themselves as flowers, flowers will always wither; women should treat themselves as trees, in order to withstand the wind and rain, to bloom and bear fruit.

So, if you are 40 years old, don't complain about time rushing to make you grow old so quickly, you should prepare a "pension" for your retirement life.At this time, smart women will arrange funds separately according to the status of family members.Since there is less pressure on the rigid expenditure of family funds at this time, you can purchase insurance for yourself or family members, and consider purchasing another house if you have sufficient funds.However, it is still not suitable for high-risk investments such as stock speculation, and it is advisable to switch to low-risk products such as government bonds or money market funds.

You have to believe that no matter what age you are, you are a tough tree, and a proper financial plan is the fertilizer to keep this tree flourishing.It's up to you to find the right fertilizer for you and make it work for your flourishing.

Health is the capital of happiness, actively invest in the body

The competition and pressure of modern society put many people in a state of high-intensity work. "Overwork" often leads to body aches, neurasthenia, insomnia, hair loss, irritability, depression, etc.However, according to a newspaper survey of nearly 20 professionals, these "overworked" professionals spend less than 500 yuan a year on health, and some even spend less than 100 yuan.The health expenses mentioned here include the expenses of physical examination, drug purchase, medical treatment, purchase of health items or fitness expenses.In other words, although many people in the workplace know that they are "overworked", they have not invested too much energy and expense to adjust this "overworked" state.So, are you also a "overworked" workplace person?How much do you spend on health each year?
Most of the women said that apart from going to the pharmacy to buy some cold medicine when they have a bad cold, they spend little money on health throughout the year; many women said that the physical examination organized by their work unit is the only time they go to the hospital every year.

Many young people think they are in good health and don't need to go to the hospital all year round. Occasionally, they can go to the pharmacy to buy some medicine to solve the problem, which can cost dozens of yuan at most.

For example, Ms. Wu said: "I am young and in good health. Of course, I should take advantage of my good energy to do more projects and save more money to lay a good foundation for future life. I seldom get sick all year round. Stomach pain, just go to the pharmacy to buy some medicine, and the annual health cost will not exceed 100 yuan."

Similar to Ms. Wu, many women are willing to spend on cosmetics and clothing, but rarely pay attention to their own health.Apart from going to the drugstore to buy medicines for bad colds or "minor problems" such as stomachaches and headaches, they spend almost nothing on health.

Ms. Wu said: "I haven't calculated my health expenses for a year, but it must be very small, because I almost never go to the hospital. Now that I think about it, I hardly ever go to the hospital except for the physical examination organized by my unit. , let alone spend any money on health.”

These workers spend so little on health in a year, is it to save money?In fact, they are not trying to save this expense, but feel that since they are young and in good health, if they feel slightly unwell, they should just take a rest and let nature take its course.

Today, when health has gradually become a philosophy of life, there are still many young women who do not like to make positive health investments.Yoga and Pilates have become so common, but not many people are enthusiastic about them, and taking supplements can also secretly be said to be extremely life-saving.But, to sum up the opinions of experienced people, having a healthy body when young is indeed an important savings, and it is also a savings with a high interest rate.

When Xu Yingying was in her early 20s, she suffered a lot due to health problems.In the first year of working after graduating from university, in order to prepare for the postgraduate exam, I stayed up late and fell ill several times; later, I would ask for sick leave from the unit at least two or three times a month, and even fainted while working overtime, which scared me a lot colleague.Ultimately, she decided to quit her job and focus on improving her health first.She went to the Chinese medicine hospital to check her pulse, cooked Chinese medicine tonics, and worked hard to do exercises that suited her body.

Within a few months, there was a noticeable effect.According to the opinions of Chinese medicine, as long as young people pay a little attention to health management, it is easy to produce obvious results. It seems that what is said is true.She is different from those friends who feel exhausted after the age of 30. Xu Yingying has changed from her previous sickness and is more energetic.The health of her savings has seen the most obvious effect in her thirties, the busiest time of her life.

Many women are prone to minor problems such as indigestion and menstrual pain. Although there seems to be no radical cure, as long as diet therapy, yoga, etc. are used for conditioning, it is actually easy to get satisfactory results.There is another point that women often neglect. In fact, physical pain has a lot to do with diet. If the usual eating habits can reduce the consumption of ice and cold drinks and drink more warm water and hot water, it will effectively improve the physical condition. Pain bug!Therefore, as long as you take care of your body a little and make remedies for minor ailments, it will benefit you throughout your life.If there is something uncomfortable in your body, save the money of going to the beauty salon two or three times and buy some supplements!I believe that not only the body, but also the spirit will become healthy.

Diet adjustment can improve your physical condition, while exercise can enhance your physique and bring you more vitality.If you can persist in running or cycling for more than 30 minutes, you will reach the so-called "Runner's High" state.In this state, people will feel the euphoria similar to taking drugs such as heroin or morphine.This pleasure is produced because the human body secretes a special hormone.It is said that this hormone has a special effect on the treatment of depression.Without any side effects, you can make your body feel happy and happy. Is there anything better in the world than this?Perhaps because of this, people who like to exercise until they are sweaty always look energetic.They never accumulate stress, but use exercise to release stress, so they will not appear narrow-minded and have a more positive attitude.It’s a common belief that exercise drains our energy and leaves us less able to work, but it’s actually the opposite.Exercise is like eating, it provides energy to the body.

Therefore, it will be more difficult for women to lose weight and diet without the assistance of exercise.Sports are not only activities that require technical equipment and are limited by the environment, such as skiing and tennis.Some people with underdeveloped motor nerves will eventually lose enthusiasm and give up sports if they want to learn this kind of high-tech sports. This is a stupid behavior.So start now and get into some sports that anyone can do!
Of course, there is no need to exercise to the point of joint ligament injury like some people.You just need to be able to feel happy from exercise, addicted enough to be willing to do exercise repeatedly.Because, it is true that some people will need to do more exercise to feel pleasure like taking a magic potion.Even if you don't have to reach the "Runner's High" state, as long as you take a hot shower after exercising, you will have a feeling of wanting to sing about life.When you have this addictive mood, your life will have a new change.

The body is the capital of happiness, and only with good health can one enjoy money and happiness.Dear woman, we should abandon the previous concept of "no illness is healthy", and we should not only care about our body after illness, but should be willing to spend spare time and financial resources on physical fitness in normal times.

(End of this chapter)