The happiest woman who understands her husband

Chapter 81 Say goodbye to blind consumption and be a woman who can spend money (3)
Don't forget to bring your credit card with you in your daily purchases.She took advantage of the different repayment dates of several credit cards to enjoy the longest interest-free period.Lang Qi invests the same amount in a money market fund while consuming, and a few days before the credit card repayment date, Lang Qi redeems the money market fund to pay off the credit card debt. Item she earned nearly 100 yuan.

Credit cards are also used when decorating and buying big-ticket items.Lang Qi renovated a new house and bought a 32-inch LCD TV, a front-loading washing machine, and a gas water heater, which cost more than 60000 yuan; she also bought a four-piece bedroom set, sofa, and coffee table, which cost more than 6000 yuan. She invested cash in money market funds, and she gained another nearly 270 yuan.

Credit cards are also used for dinner and business trips.When paying for business trips and AA dinners, Lang Qi always pays by credit card. After a while, the credit card has more than 10 points. Not long ago, she exchanged credit card points for a bunch of gifts.

Take advantage of credit cards without giving up on your investment.Lang Qi bought a 11-square-meter two-bedroom apartment in the southern suburbs of the city at the beginning of November last year for 25 yuan, requiring a down payment of 65 yuan. After paying with a credit card, Lang Qi used the interest-free period to invest. error.

Of course, as mentioned in the previous section, although using a credit card can save money and make money, you must be rational when using a credit card. As an ordinary consumer, you still have to decide whether to use a credit card according to your actual needs.The fundamental purpose of using a credit card is definitely not to make money. Making a little money is just a little unexpected benefit that comes with using a credit card.

Credit cards are not a free lunch
In recent years, various exclusive credit card products targeting women have been emerging, and the entire market is full of gunpowder.At present, the women's credit card products on the market are mainly divided into two categories, one is women's themed credit cards, such as CITIC Magic Card and Huaxia Beauty Card; Women's magazine brands, cosmetics brands, and specialty merchants are jointly developed, such as ICBC Peony Avon co-branded card, China Merchants Bank VOGUE titanium credit card, China Merchants Bank Qianse store co-branded credit card, etc.Women already belong to the "main force" among bank credit card customers. It is estimated that you, who love consumption, are also a member of this "main force".

In fact, it is convenient to use credit cards, but we often overlook the fact that credit cards are not a free lunch, on the contrary, credit cards are a very important factor for many women to blindly shop impulsively.Because swiping the card prevents women from seeing the flow of cash when shopping, which reduces the feeling of reluctance. "Since my husband gave me a credit card, I don't need to bring a lot of cash to go out. I just need to sign my name in a smart way to buy clothes and shoes. But because of this, I have no restraint in spending money by myself." , the brand-name cosmetics are fine, the clothes I like are fine, I bought them all, and I don’t feel sorry for the money at all, but when I saw two super big wardrobes at home, they couldn’t fit my clothes. No sense." Look, I believe that there are not a few women who have the same experience, right?
In another situation, in order to encourage women to spend, credit cards often use points to exchange gifts to attract consumers.As a result, women who love to take advantage of small things think that credit cards are really pies that fell from the sky. They not only lend us money, but also give us things for free.So, start spending for points.The numerous promotions of credit card points make women's purses unknowingly wide open. "From now until March 3, if you spend 31 consecutive days with the card, you can accumulate 10 times the points. After that, you can double the bonus points for each additional day in a row. The points can be multiplied by up to 5 times, and the upper limit is 1 points." After arriving at the text message sent by the credit card center, in exchange for 25 times the points reward of this credit card, someone set a record of daily consumption within a month! "On the 50000th day, I regretted it. How could there be so many things to buy? But it was too uneconomical to give up halfway, so I had to bite the bullet and stick to it. This kind of promotion is really scary!" Scary, right?Have you ever done such a horrible thing?
In fact, there is only one ultimate goal of the credit card rewards program - to spend money!Most of the activities such as credit card redemption require a lot of brains, and sometimes it is necessary to compete for speed, such as requiring customers to swipe a certain amount in the top number to get a gift. The superb kung fu of "one leaf does not stick to clothes" must fight wits and courage with the bank.The essence of credit card consumption is "tearing down the east wall to pay the west wall". In the end, you still have to borrow and pay back. Don't pick up the sesame seeds and lose the watermelon.

The above two aspects are just two small acts of bankruptcies brought by credit cards to us women. What's more, if you don't know how to use credit cards according to the principles, you will become a "card slave" and even violate the law.

For example, Ms. Yang, she ended up breaking the law because of credit card overdraft and default on repayment.Ms. Yang applied for a credit card in 2006, and has been using this card for spending and cash withdrawals for more than two years.Ms. Yang is engaged in the building materials business. Affected by the financial crisis, the liquidity turnover is not good, but the bank's reminders arrive as scheduled. "Money was tight at the time, so I wanted to procrastinate for a while, and repay the overdue fee together with more funds." Ms. Yang didn't care about the bank's phone calls, letters, and door-to-door collections.It wasn't until the end of August 2008 that police officers came to her door that she regretted it: "I never thought that overdrafting a credit card would constitute a crime." More than 8 yuan, and the bank has not repaid the payment for more than three months. According to the relevant laws and regulations, he has committed the crime of credit card fraud.In the end, after the trial, the court sentenced him to 9000 months of criminal detention and fined him 5000 yuan.This is losing his wife and losing his army!If I knew today, why bother?
Credit cards have no human touch. As long as you owe money, your credit history will be affected. If your credit history is affected, it will be difficult for you to borrow money from the bank in the future!We really don't advocate this kind of behavior that makes a lot of money because of a small loss, and leads to continuous troubles because of a moment of refreshing.After all, as I said earlier, "credit cards are not a free lunch," you have to pay for your lunch.Therefore, women who are using credit cards, don't forget to pay back on time!

In addition to timely repayment, there is another point that needs to be paid great attention to in repayment, that is, the repayment must be completed!What is the end?It's not bad to score a single point.Even if you only owe the bank a penny, over time, your troubles will increase!

Peng is an early credit card user who has been repaying on time before and has not had any trouble with the credit card. In September 2008, she spent RMB 9 with her card.Before the repayment date, she paid back the consumption amount in multiple installments.But she found out afterwards that because she misremembered the repayment amount, she underpaid 4 yuan.As a result, she was surprised to find that on October 0.8, the bank charged her two interest payments totaling more than 10 yuan, which was 31 times the amount owed!After checking the bill online, Peng immediately called the bank's service hotline for consultation.It turned out that according to the bank's credit card regulations, if the user fails to repay the loan in full in a certain month, the bank will charge interest on the entire consumption amount of the month.In other words, although the bank only owed less than one yuan, the bank charged interest based on the entire consumption amount of 800 yuan.

have a look!If you also encounter this situation carelessly, wouldn’t it be a big loss!Credit cards are not so easy to talk about. A penny owed is a money owed, and it cannot be erased casually!

Therefore, based on the above aspects, we must keep in mind when using credit cards that credit cards are not a free lunch. We must use credit cards with restraint, planning, and memory so as not to be burdened by credit cards.

Coordinating the use of the salaries of both spouses

For ordinary young couples, the key to financial management lies in how to integrate and coordinate the use of the two salaries. After all, working families with dual careers account for the majority of our society.However, two salaries also mean two different values, two kinds of assets and liabilities, and it is not easy to coordinate it, let alone easy.Women should pay special attention to this aspect, and don't let it become a stumbling block to hinder your family happiness.

The so-called positioning problem, generally speaking, is to determine the ratio of husband and wife to share family finances.Generally speaking, husband and wife share in family finances including the following three types.

1. Average sharing type

That is to say, both husband and wife deposit an equal amount of money from their own income into the joint account to pay for daily living expenses and various expenses.The rest of the income is spent at your own discretion.

The advantage of this method: After the husband and wife jointly bear the living expenses for the family, there is still a part that is completely at the disposal of the individual.

Cons: Problems can arise when one partner has a higher income than the other, and the less earning partner will feel unhappy for having less disposable income.

2. Ratio sharing type

According to the personal income, the husband and wife propose the necessary living expenses according to the income ratio, and the remaining part is distributed freely.

The advantage of this approach: The husband and wife share the household income based on each individual's earning capacity.

Cons: As income or expenses increase, one partner may become dissatisfied.

3. All collection type

Couples pool their income to cover family and personal expenses.

The advantage of this method is that no matter the income is high or low, the two are equal, and the party with the lower income will not reduce the disposable income of each other.

Disadvantages: On the other hand, this method is likely to cause differences or disputes between husband and wife due to disagreement on expenditure.

To choose the most suitable sharing type, you must first carefully analyze the family's financial situation and choose according to the specific situation.Therefore, before determining the type of sharing, couples should carefully sort out their own family accounts and find out the characteristics of family finances from them.To put it simply, husband and wife financial management can be separated into income and expenditure accounts, or a period can be defined as a cycle, such as a month or a quarter, with one column for income and the other for expenditure, so that it is clear at a glance whether the balance of income and expenditure is in the end.

The income account should be recorded:
(1) Basic salary: various subsidies, bonuses and other relatively fixed income.

(2) Deposit principal and interest income due.

(3) Gift money and red envelopes received for birthdays, housewarming, etc. in the relationship between relatives and friends.

(4) Occasional income, such as rewards for participating in social activities, price difference for stock speculation, scholarship income, etc.

Expenditure accounts should be recorded:
(1) In addition to all necessary expenses for living expenses, it also includes telephone bills, water and electricity bills, tuition fees, insurance premiums, transportation expenses, etc.

(2) Shopping for clothes, home appliances, eating out, traveling, etc.

(3) Gifts purchased and gift money paid by relatives and friends.

(4) Expenditures for deposits, purchase of government bonds, and stocks.Men often want their wives to spend every penny wisely.

No matter how beautiful they are, wives who are confused and spend a lot of money will not be attractive for a long time, because their bad habits in financial management will make their husbands bear a heavy financial burden.

With the development of the market economy and globalization, the abundance of material things, we can buy more and more things, but now we need to spend more and more places.For example, with the inflation of prices and the improvement of living standards, the investment in a child's education has become larger and larger. As a wife, these are issues that have to be considered.

Some wives may think that as long as the family income increases, all problems can be solved. This is a very wrong concept, because according to the analysis of relevant experts, for most people, increasing income only leads to an increase in expenditure.

Therefore, a smart wife should renew her concept of financial management, spend every penny wisely, and not waste money without planning and aimlessly.

Let go of comparisons and live a life with a lower income
Showing off the mood and state of comparison is a kind of "peacock psychology", which is a very common psychological hidden danger for modern women.Once a "peacock" mentality appears in dealing with others, it is easy to fall into a situation where you are constantly comparing and competing for victory.

Song Jinggang called his friend to complain. He said that he loved his wife very much, but his wife made him feel more and more tired.Song Jinggang and his wife were college classmates. After graduation, they both stayed in Beijing to work.Song Jinggang said that their relationship was good at the beginning. Although the monthly salary of the two is not a lot, it is enough to rent a house and daily expenses.However, ever since my wife saw that a classmate in college had made a rich boyfriend, her psychology began to lose balance.It used to be that she never picked famous brands when buying clothes, and she even went where the cheapest ones are. Now she spends hundreds of dollars on clothes, not only clothes, but also leather bags and shoes.

Song Jinggang was breathless for his wife's consumption, but in order to satisfy his wife as much as possible, he had to save again and again. It was really difficult for the economy to turn around, so he asked friends to borrow money.Last month, when Song Jinggang worked overtime at work, his wife called and said that she was treating friends to dinner and asked Song Jinggang to prepare 800 yuan to pay the bill.Song Jing was furious as soon as he heard it. The 800 yuan was basically 1/3 of his salary. He couldn't help but get angry with her.But his wife said aggrievedly: "Why is it that other people are not as good as me in terms of appearance and qualifications, so they can find a rich man who can have everything they want, but I want to live this useless life with you..."

Hearing what his wife said, Song Jinggang felt an indescribable feeling in his heart. He couldn't tell whether it was his own incompetence or his wife was too vain.He just felt that if he wanted to achieve the life required by his wife, he didn't know how many years he would have to struggle.For a while, Song Jinggang was like a deflated ball, feeling inferior, lost, and sad. Driven by his self-esteem, he had no choice but to file for a divorce with his wife.Because Song Jinggang felt that such a married life was too tiring.

As the saying goes: "People are better than others, and people are pissed off." No matter how good we are, there will always be people who are better than ourselves.In particular, the material contrast is endless.For example, Song Jinggang's wife separated from Song Jinggang, and may find a man with better financial ability than Song Jinggang, who temporarily meets her needs.However, as long as there is a mentality of comparison, she will still be dissatisfied, and she will find that there are people who live better than herself, so what will happen in the end?Want to repeat the past?If it continues like this, will she be so lucky every time that she can get what she wants, not to mention for the time being, when will she feel peaceful and happy in her heart?

In fact, it is not uncommon to see women with a mentality of comparison like Song Jinggang's wife.They can easily fall into the psychological trap of "unbalanced".Some married women, seeing that other people's lives are better than their own, complain to their husbands at every turn, comparing their husbands with other men.In the end, some got angry and quarreled, and some scared their husbands away.Giving up the unrealistic pursuit of goals can save you a lot of psychological pressure. If you have more than enough heart but not enough strength to pursue desperately, it will only make yourself exhausted.

There is a rich man abroad who has accumulated hundreds of millions of wealth, but he has a life creed: live a life lower than his income.Why do you have to be "poor" when you have a lot of property?The millionaire believes that having a lot of money is also a kind of pressure. Living a life lower than the income is not only "thrifty", but also to achieve psychological balance.There is no limit to luxury, but it is comfortable to maintain the "lower grade" living requirements and to let go of the psychological conflict of comparison.

In addition, try the following strategies, which can also cheer for the abandonment of excessive comparisons.

1. Don’t be too hard on yourself
People who are easy to compare with always have very strong self-esteem. They are used to setting their goals very high, and they always like to overwhelm others in everything they do.However, due to limited ability, when the goal cannot be achieved, it will be unsuccessful all day long.At this time, they will regard themselves as successful in order to seek self-comfort and satisfaction; or get rid of their sense of loss by showing off and comparing themselves to maintain their self-esteem. "How can everything be as you want, but I want to be worthy of my heart." Don't be too demanding on yourself, keep your emotions calm, and do your best.

2. Don't expect too much from the people around you
Some psychologists pointed out that people who like to compare often place their expectations on the closest people around them when their own abilities are limited.However, if this "expectation" is not realized, it will inevitably bring great disappointment and even a sense of despair to the parties concerned.Everyone has their own life and life trajectory. The so-called "everyone has his own ambitions", so why do we have to impose our own ideas on others?Not only is this unwise, it's also impractical.

3. Always tell yourself: "Content with happiness"

Some people are psychologically unbalanced because they have too many goals, compete with others everywhere, and often force themselves to be in a state of tension.Always tell yourself: "Content with happiness."

4. Peace is the most important thing when getting along with others, and less self-seeking opponents
Peace is the most important thing when getting along with others, and don't regard others as opponents psychologically.Everyone has his own piece of sky above his head, you don't have to live the same way as others, it's the greatest blessing to live a relaxed life.

There are many kinds of beauty. A gorgeously dressed woman is certainly beautiful, but a woman who is brimming with happiness from the inside out is even more attractive.A wise woman understands that it is not necessarily more important than material things, but more important than heart.If you live a super-income life, you must have the best clothes and jewelry, regardless of the balance of income and expenditure.For such a woman, no matter how much money a man earns, it is not enough for her to spend.Over time, the man will turn around and leave.There is a saying: "If there is no skin, how will the hair be attached?" If the man turns around and leaves, your happiness will naturally disappear.

(End of this chapter)