The happiest woman who understands her husband

Chapter 77
Start from scratch and use your own money as "oil"

A smart woman knows how to start from scratch, and will not let her money flow away like "water", but will use her money as "oil".If you use too much, the dishes will be greasy, and your life will be extravagant; if you use too little, the dishes will not taste good, and your life will be poor.Therefore, a woman who can use her money as "oil" must be a wise woman, and this type of woman has the most potential to become a rich person.

The retirement conference of a world sales master attracted many elites in the industry. When others asked him the secret of his success, he smiled and said that there is no need to say more.At this time, the lights of the whole venue dimmed, and then four burly men appeared from one side of the venue, carrying an iron horse together with a big iron ball hanging down from the iron horse.When monk Zhang Er, who was present, was puzzled, the iron horse was carried to the podium.

The master stepped onto the stage and knocked on the iron ball, but the iron ball didn’t move. After 5 seconds, he knocked again, but it still didn’t move, so he kept knocking every 5 seconds, and it lasted for a long time. , but the iron ball still didn't move.

Gradually, the people in the audience began to commotion...some people left the stage one after another...but the sales master still hit the iron ball on his own.More and more people left, and only a few remained.

After 40 minutes, the big iron ball finally began to shake slowly.At this time, the iron ball was shaking vigorously, even if anyone tried hard to stop it, it would not be able to stop.

Once the iron ball moves, you can't stop it!This is the huge energy accumulated by a little bit of power!If you want to become rich, you also need to walk this road paved with "bits and pieces".Don't underestimate the little bits and pieces of money you usually spend, the accumulation will surprise you!If you don’t believe me, please look at Song Hui’s consumption records for a certain month:
吃饭（与朋友聚会3次，每次200元，平时在单位食堂每次25元）1100元；房租+水电煤：1500元；购置新衣服：2000元；看电影等消遣：300元；其他杂项：400元；总计支出：5300元。

Song Hui currently accounts for about 6500 yuan per month, so at the end of the month, only about 1200 yuan is left.The amount entered into the account in a month is not a lot, but the remaining money is only a handful.This is probably a situation shared by many women.This is only the case of single women. Women who already have families may be even more depressed. They always live on their fingers, but they still can't live well.Why?It's because you didn't save money when you should save money, and as a result, you can't spend money when you should be spending money.

We have wealth, but we have no right to waste it.Yes, think the same way when you’re on a date, order a set meal for two people, or order a staple food.Don't think it's shabby, it's best for your health to eat seven percent full.

The principle of saving is to avoid waste, resources are limited, maximizing the use of resources is the most scientific saving.For example, when eating in a restaurant, you should control the amount of food you order to just the right range; try to wash the clothes yourself, because washing clothes is also a kind of exercise, and the cost of cleaning clothes alone can already buy two new clothes.

Perhaps, you have developed the habit of spending money extravagantly, and you will look down on these methods of saving money by saving money, but don’t forget that these little things will slowly gather into the power of the sea, shortening your life into Time for the rich.

According to the actual situation, choose the deposit method that suits you

Bank deposits are one of the most traditional ways of saving money, which can be divided into two types: demand deposits and time deposits.

The former has lower interest, but it can be deposited and withdrawn at any time, and the amount is not limited.The latter has higher interest, but there is a deposit period, and if you withdraw before the maturity date, there will be a loss of interest.The purpose of savings is to accumulate financial resources, so it is best not to use the saved money frequently. Based on this consideration, it is better to use fixed-term deposits as savings, and current deposits are only used to store family emergency funds. Keep about 3 ~6 months of living expenses are enough.Time deposits are further divided into time deposits and time savings deposits. The former requires a lump sum of funds, while the latter can adopt the method of "single deposit and lump sum payment".

Only money that is not used within a certain period is suitable for regular deposits, and the longer the period, the higher the interest rate.The key point here is to determine the time limit. For example, if you deposit a fixed amount of money for one year, but you need it urgently after half a year, you have to withdraw it in advance. Semi-annual regular, so the interest is much higher than the demand.

In view of the fact that the longer the term, the higher the interest rate, so regular savings is an important means of long-term investment. Even if the national interest rate is lowered, the interest rate of the saved money will remain unchanged. Interest rate calculation is a common practice of banks, and it is also a measure for the state to ensure that the interests of depositors will not be lost.

Ms. Lin, a housewife, has 5 yuan in private money, which will not be used for several years.However, the interest rate for the survival period is 0.72%, and the pre-tax interest is only 135 yuan after one year. She feels that this is not worthwhile.Therefore, she chose the fixed deposit method of "lump deposit and withdrawal" under the condition that the funds would not be used within a few years, because this method has the highest interest among all fixed deposits.

And white-collar Xiao Zhang, with a monthly salary of 6000 yuan, just started working, does not have much savings, and cannot guarantee that these savings will not be used. In this case, it is more appropriate to choose the current method.

In fact, there is no good or bad between demand deposits and time deposits. The key is to choose the deposit method that suits you according to your own situation.

As far as current deposits are concerned, at present, banks generally stipulate that the minimum deposit of current savings is 5 yuan, and there is no limit to more deposits. Lost report (including password report).The interest is settled once a year on June 6, and the interest from the previous settlement is incorporated into the principal for the next interest calculation.

Demand deposits are used for daily expenses, which are flexible, convenient and adaptable.Generally, the monthly fixed income (such as salary) can be deposited into the current passbook as daily standby funds for daily withdrawal expenses (water, electricity, telephone and other expenses are most conveniently withheld from the current account).

Due to the low interest rate of current deposits, once the current account has a relatively large balance of deposits, it should be withdrawn in time and converted into time deposits.In addition, for the current account that usually has a large amount of money in and out, in order to allow interest to accrue interest, it is best to settle the current account every two months, and then open a new current passbook with the settled principal and interest.

Fixed deposits are different from current deposits. It starts at RMB 50, and the deposit period is divided into six grades: three months, half a year, one year, two years, three years and five years.The principal is deposited at one time, and the bank issues a certificate of deposit to withdraw the principal and interest.You can apply to the bank for automatic transfer or agreed transfer before the account is opened or due.If the certificate of deposit is withdrawn before maturity, the interest shall be calculated according to the demand deposit.

Fixed deposits are suitable for living savings that do not need to be used for a longer period of time.In the era of high interest rates (such as the early 20s), the deposit period should be "medium", that is, the five-year deposit is decomposed into one-year and two-year deposits, and then rolled and stored in rotation, so that profits can be generated and the return effect is the best it is good.

In the period of low interest rates, the deposit period should be "long". If you can deposit for five years, you should not deposit and withdraw in stages, because the characteristics of savings income under low interest rate conditions are "the longer the deposit period, the higher the interest rate, and the better the income."

Of course, for those funds that will not be used for a long time, but the specific deposit period cannot be determined, it is best to use the "zero split" method, such as dividing a deposit of 5 yuan into 0.5 yuan, 1 yuan, 1.5 yuan and 2 yuan. 4 transactions, so as to withdraw the corresponding part of the deposit according to the specific situation, and avoid interest loss.When the interest rate is adjusted, there is just a deposit that needs to be fixed. At this time, if the interest rate is expected to increase, it will be deposited for a short term; if the interest rate is expected to decrease, it will be deposited for a long time.

When choosing a current or short-term option, female friends should not only consider which one will get more rewards, but also choose a method that suits them based on their own economic conditions.

Save or invest 10% of your monthly income
When making financial plans, many women often express that they do not know how to prepare the funds needed for various financial goals.Here is a financial management tip, that is, to save or invest 10% of your income, so that you will have enough funds to meet your financial needs in the future.This financial management tip is also known as the "10% Rule of Wealth".

For example, if your family has a monthly income of 1 yuan, you can save or invest 1000 yuan a month, and you can save 12000 yuan a year; or, both of you and your husband have income, and you have a total monthly income of 15000 yuan , then 1.8 yuan can be saved or invested a year.10% of the investment can be allocated every month, coupled with the compound interest principle we introduced before, it is indeed possible to reserve a lot of funds over the years.If the salary increases as seniority increases, the accumulation of funds will be even faster.

It's just that people often say that it's possible to save 10% of your income once in a while, but it's not easy to do it every month for several years.Often when the next salary is paid, there is not much money left at hand, and sometimes it is even beyond the means, and the previous savings have to be overdrawn.People who find it difficult to save money are usually not very clear about how they spend the money at hand, and they cannot grasp the flow of money; .

If such people want to save money, they must change their money-using habits and use the principle of saving first and then spending to force themselves to save money.To do this, you can use bookkeeping to help.

You may wish to purchase an accounting book and write down your usual expenses by items such as income, expenses, items, amounts, and totals.By doing this, not only can you know the flow and amount of various uses, but it can also be used as a reference for future consumption.Keeping accounts for a year and a half, and then classifying all kinds of expenses, you can know how much money is spent on clothing, food, housing, transportation, entertainment, etc. and other variable expenses, and further distinguish needs and wants. necessary for review and adjustment.

Needs and wants are frequently mentioned categories of consumption. For example, buying a shirt worth 10 yuan is necessary for work, and buying a coat worth thousands of yuan is necessary; a meal of 10 yuan is a need for lunch, and steak is a must for lunch. want to.After distinguishing needs and wants through accounting, and reducing the desired expenses as much as possible in the future, you will find that there is really some extra money that can be saved, and it may not only be [-]% of income.

In order to help yourself achieve the 10% rule, you can also use the regular fixed investment method to accumulate funds persistently.Regular quota refers to investing in a selected investment tool with a fixed amount (such as 5000 yuan) at regular intervals. According to the principle of compound interest, considerable wealth can be accumulated over a long period of time.

A woman who is good at financial management usually saves or invests 10% of her income in addition to budgeting for fixed and necessary expenses.

Experienced financial experts once said that if you can save 10% of your household income, even if prices rise every year, you can still have a comfortable material life in a few years.

Mrs. Ross is a stubborn, conservative New Englander.She would rather strip naked in Grand Central Station than give up her plan to save 10% of her family's income every year.During the years of economic downturn, their family really suffered enough, and her husband's salary was cut by nearly half.For this reason, when she buys daily necessities, she must try her best to save every dime.Her husband also walks more than 20 streets a day to save on bus fares.But the old habit of saving 10% of household income persisted.This good habit allowed the Ross family to live a relatively better life than other families after a few years.

Whenever talking about this good habit, Mrs. Ross will proudly say: "Sometimes, when we need money very badly, I regret putting it aside. However, I am now very happy that we have maintained a savings plan .The result of saving is that we have a big house of our own by middle age and start to enjoy a comfortable life."

Of course, it is only a principle to set aside 10% of your monthly income and save as much as you can. If you can’t do it, it’s okay to have less than 10%;In short, the 10% rule is a good financial management method for some married women, and it is worth a try.

Know how to live, don't be a penny-pinching "scrooge"

Some people are born misers, rich and stingy, and they are called "masters of nothing".

One of the most typical images of misers is Grandet described by Balzac.A miser like Grandet has kept money all his life, but in the end he got nothing and nothing.

(End of this chapter)