The happiest woman who understands her husband

Chapter 78
As a woman, we should not be misers who only sleep with money in our lives. We need to take good care of ourselves, cherish our beautiful appearance and golden years. Treat yourself like a poor Cinderella?What's more, the era of safe and secure wealth has passed!Today, you may encounter various unpredictable situations such as unemployment, inflation, and financial crisis at any time!At that time, even if you have money in the bank, it is not surprising that you are living on the street!

As a married woman, we not only need to plan for our own life and future, but also need to be the financial planner of the whole family, so that the family funds can give full play to their role, not just make the family work hard Hard-earned money moldy in the bank.

Here is a little story that happened to a miser couple.Maybe after reading it, we will have some ideas.

Wife: Husband, have you put away the money?
Husband: Wife, don’t worry, take it easy!
Wife: Where to put it?

Husband: In the crack of the wall!

Wife: Didn't you say put it in the refrigerator?

Husband: Okay, okay, can I put it in the refrigerator next week?

Spring, summer, autumn and winter, year after year...five years later...

Husband: Wife, prices keep rising, should we use the money to buy a house?
Wife: Husband, come and see, the banknotes are all eaten by mice!
……

This is the primitive way of saving money, and it is also the mockery of money for those who cannot take advantage of it.Today, in today's ever-changing currency market, there are still people who keep repeating this primitive method in order to have peace of mind. However, the original wall cracks and refrigerators are now replaced by banks.

Around me, there is such a colleague.For this colleague named Feng Rui, saving money is the only joy in her life.She has insurance, she deposits, and she uses the safest and most secure way to carefully keep every dollar she earns.Tell her to invest?If the risk is too great to ignore, who will be responsible for losing the principal?

Normal people make money to make their lives superior and comfortable, but Feng Rui does not. She takes accumulating wealth as her pleasure in life.So, she saved small money into big money, turned big money into fixed deposits, and then organized the small money generated by the fixed deposits to become big money.She doesn't wear makeup or wear new clothes, except, of course, if someone gives her a gift, but mostly she resells her makeup and new clothes, unless there are slow-moving items.She doesn't eat big meals, of course, except for other people's treats. If there is a large amount, she will take it home.For all the preferences of women, she has absolutely no.

If a woman makes it like this, I don’t know what’s the point; if saving money like this, I don’t know what’s the point of saving the money.It’s right to love money, and it’s right to save money, but to love money so much, to love money so much that you don’t give up on yourself, and to love saving money more than loving yourself, this is not only contempt for yourself, but also for money. contempt.

Yes, we love money, but we should not be misers, and we should not just save money with peace of mind.What's more, the money is stored in the bank. After inflation, the money is equivalent to saving less and less!
Putting money in the bank can also be "profitable"

Of all the money management methods, putting your money in the bank is the least risky, but it is also the lowest return.Many women disdain to pay attention to bank deposits. They are keen to show their talents in the stock market or even the property market to seek asset appreciation.But no one can guarantee that every investment will be profitable.In fact, almost zero-risk bank savings, as long as you master certain rules and skills, you can also make money in the bank "profitable".

1. Twelve certificates of deposit method

Deposit a portion of your monthly salary into a one-year fixed deposit, and do this every month, and you will have 12 one-year fixed deposits in one year.Then from the second year, a fixed deposit will mature every month.If the expired money is not used temporarily, you can add new money and continue to make regular payments.In this way, you can ensure that you have living money on hand and can enjoy the interest of fixed deposits.This "snowball" method of saving money guarantees that you don't lose the opportunity cost of managing your money.

2. Ladder deposit rule
For example, if you have a fund of 10 yuan, you might as well divide it into 5 equal parts, and deposit 1 time deposits according to the period of 2, 3, 4, 5, and 5 years.After the first year, the expired 1-year certificate of deposit shall be renewed and changed to a 5-year fixed deposit; after the second year, the expired 2-year certificate of deposit shall be renewed and changed to a 5-year fixed deposit.By analogy, after 5 years, the 5 certificates of deposit will all become 5-year certificates of deposit, but one certificate of deposit will expire every year, and all of them can enjoy the high interest rate of 5 years.This method is suitable for women who already have a fixed fund.

3. Automatic transfer rule
Now, banks have launched automatic transfer service.When a woman saves, she should agree with the bank to automatically re-deposit.In doing so, on the one hand, it avoids the loss that the deposit is not transferred in time after maturity, and the overdue part is calculated according to the current interest rate; If the deposit is automatically transferred, the interest will be calculated according to the higher interest rate before the adjustment.If the interest rate rises after maturity, it can also be withdrawn and then deposited.

If you need money urgently, but the certificate of deposit has not yet expired, and it was deposited when the interest rate was high before, there is no need to withdraw it in advance, because the bank stipulates that the interest of the time deposit is calculated according to the demand deposit when the deposit is withdrawn in advance.At this time, you can use the certificate of deposit as collateral to get a bank loan, and the loan will be repaid after the certificate of deposit expires.Of course, you need to calculate in advance. If the loan interest repaid at that time is higher than the deposit interest, then this method is not advisable.At this time, you can go to the bank to handle part of the early withdrawal, and the bank will issue a new certificate of deposit for the remaining part of the deposit, and still use the original deposit date as the value date, so the interest earned on this part of the time deposit will not be affected.

Assuming that the spare money in your hand is not expected to be used within a few months, it is more cost-effective to choose a regular three-month or six-month period, but you need to find out whether the bank where you deposit has an automatic transfer service.Choosing a bank that can automatically transfer deposits will save you the trouble of going to the bank. After the deposit matures, the interest and principal will be automatically transferred and interest will be calculated.

For example, if you have 1 yuan in your hand, first deposit it for three months, and the interest will be 79.09 yuan when it matures. In the second, third, and fourth quarters, it will continue to be automatically transferred with interest, and the interest will be 79.71 yuan and 80.34 yuan respectively. 80.98 yuan, the total interest after one year of rollover is 320.12 yuan, which is 1 yuan more than the survival period of 251.72 yuan.

It can be seen that knowing some tips on deposit interest calculation is conducive to the growth of our wealth. Female friends can go to the bank more often when they are free or learn some common sense and skills of deposit through various channels to help our wealth continue to increase.

Be firm in saving money and break away from the "Moonlight Clan"

Nokia vice president Frank Nove usually has three phones in his pocket. "I usually use these two the most." He pointed to the VertuSignature and VertuAscent on the table and said, "When I exercise, I use Nokia waterproof phones, and sometimes I also use other models. Which one depends entirely on my mood at the time."

Ha, depends on the mood?Isn't this argument a reflection of the behavior of many "moonlight clans"-spending money lavishly, just to satisfy the desire of "wanting".As Frank Nove explained: In the essential sense of need, we don't need a Ferrari, we don't need a Porsche, we just, or want it.

According to the survey, 21% of British women aged 25 to 80 spend more money than they earn, 46% have credit card overdrafts, and their average debt is 3830 pounds. Only 21% of the surveyed women say they have the habit of saving. 14% realize that they should save money to pay off their loans.Overall, nearly half of the women became "payrollers".The survey also found that the more well-educated and smarter women are, the higher their material desires and the larger the fiscal deficit.Remember the columnist Kelly in "Sex and the City"?That is a woman with a high IQ who is materialistic!
A female columnist said that the reason why she chooses to go to college is because education can guarantee the quality of life in the future.But she didn't expect that after the graduation ceremony, the road in front of her was not the golden road, but a quagmire of various debts.All workplace experts say: "Clothing is an investment, and you should dress for the job you want, not the job you already have." And the job you want, like the life you want, is always in an endless supply The world is improving and changing, especially for bright and highly educated girls.They like city life, like to spend money, and they don't want to let their youth be blank and regretful.

In the context of the continuous invasion of Western consumption concepts, a group of young people also fell in love with excessive consumption and became the moonlight clan.Especially girls are brave enough to try new things, such as new clothes, new food, and new cosmetics.And master the development of fashion trends, and become a modern figure who is ahead of the times. "Moonlight" are the merchants' favorite consumers, because they have a strong desire to spend and can spend money.Those who don’t make a lot of money, their monthly salary is bare, and those who can make money are only rich for 30 days.Compared with the savers who work hard to save some money, the "moonlight family" approach is: spend as much as you earn.Now, let us take a look at how some of our friends have become moonlight clans through examples.

Zhang is 26 years old this year and is an administrator of a foreign company with a monthly income of 3000 yuan.In terms of expenses, Zhang is not a big spender: In order to reduce the rent pressure, she rented a house with her colleagues; she usually eats foreign fast food with her own coupons for dinner; she rarely buys brand-name clothes, and basically changes them frequently Chang Xin's "big street goods"...Although he is so "thrifty", at the end of each month, Zhang's salary is still spent and there is no surplus.She always complains: "Where does all my money go?"

Chen, a marketing planner of a company, has an average monthly income of 5000 yuan.Although this girl earns a lot of money, she spends more.Dare to play anything, dare to buy anything, and occasionally borrow money from friends to get by. Almost every month is a "rich man" at the beginning of the month and a "loser" at the end of the month. I have worked for 3 years and have no savings at all .

With a generous salary, but under the banner of poverty, the monthly salary is exhausted——Zhang and Chen both belong to the very "fashionable" "moonlight clan" nowadays.What we need to analyze is that these two people have different income levels and different spending habits. Why have they both fallen into the quagmire of the "moonlight clan"?
Chen's "moonlight" is naturally derived from "dare to play anything, dare to buy anything", spending money too extravagantly and without restraint.What about Zhang?Although she does not spend money "lavishly", she lacks organization and planning.For example, she is called "joint renting", but renting a house is not necessarily cheaper than renting a house alone; she eats discounted foreign fast food, but is it cheaper than cooking at home?She does not pursue famous brands when buying clothes, but pursues "frequently changing and always new". How many pieces of "high-end goods" do she buy every month?Is the frequency too high, or is the utilization rate low after purchase?There are many, many mistakes in spending money like hers.

Therefore, whether it is Chen or Zhang, you should reflect on your living habits, especially your consumption habits. If you don’t want to become a member of the mighty "Moonlight Clan", you should live within your means and spend money in a planned way .

As the saying goes, "money is the guts of a person". Without money or with little money, the desire to consume will naturally be small. With money in hand, the desire to consume will immediately expand. Therefore, it is best for the moonlight clan to control the desire to consume. Can record and "monitor" monthly income and expenditure to prevent unnecessary consumption.

Another thing is to strengthen your confidence in saving money, write down the reasons you want to save money, including those well-known reasons, such as retirement, buying a house, college education, travel or a big expense that you have planned for a long time, such as cars, yachts, etc. .There are other reasons as well, such as financial security, inner peace, helping others, peace of mind, and other bits and pieces.Only by knowing why you want to save money can you stick to it.Write these reasons at the top of your budget and carry them with you in your wallet.

Then push yourself into the habit of creating a budget for your monthly expenses.The easiest way to create a budget is to use the free online budgeting service, Honeycomb.Or you can use Quicken, MicrosoftMoney and other software.Of course, you can also simply use a spreadsheet to make a column chart of income and expenses (including savings).This practice allows you to give a maximum estimate for this month's expenses and a minimum savings.

We remind all women "moonlight clan": spend money carefully and manage money wisely.Although consumption, like drama and dance, is a way of self-expression, it can heal emptiness, world-weariness, and kill idle time, but these are all temporary.

(End of this chapter)