Calm: Be a calm woman

Chapter 6 Indifferent to fame and wealth—a calm woman understands that if she is indifferent, she will not be burdened by material desires (2)
Nowadays, there are such a group of people in modern cities: they were originally beauty-loving angels with a lot of income, but they spend money carefully, sometimes they have to bargain hard; commercial housing.They are definitely not misers who are reluctant to eat and wear and only know how to save money, but spend as much as 10 yuan when they should, and be frugal if they should not spend a penny. On the contrary, they live a healthier and more comfortable life.

They are calm and relaxed, throwing away all the excessive luxury and excessive cumbersomeness, and pursue a simple, healthy and happy lifestyle.Compared with their predecessors, they don’t actually need to spend carefully in order to maintain the minimum standard of living. They are more fundamentally different from misers in the traditional sense—paying more attention to planning the future and optimizing the allocation of their monetary income.It can be said that the essence of the new generation of frugality is to arrange life more rationally.

The so-called "new frugality" is actually a rational and pragmatic attitude towards life!Never be stingy with what should be spent, and never waste what should be saved. In other words, spend money wisely.A premise here is to reasonably analyze the composition of living costs such as prices, and then implement "frugality" accordingly.Please remember, rationality + planning + a little bit of trouble = new frugality = ordinary people's happy life.

1. Make money wisely and be thrifty

Cathy thinks it is stupid to simply spend money, and using money to regenerate money is the guarantee of quality of life.She doesn't think thrift should count every penny, but focus on the big picture and let the money spent far exceed the value, which is called thrift.For example, she bought a house the year before last for more than 4 US dollars. After some renovations, she can charge more than 500 US dollars in rent per month. In two years, she has earned more than 1 US dollars. This year she sees that the housing market is good. , sold this house for 6 US dollars, which is equivalent to the money for another house.

You may say that this is called making money wisely, but Cathy thinks it is called frugal rightly.Because in her opinion, she can spend the money on luxury goods, and the more than $4 will disappear immediately. The reason why Cathy has never bought a car is that buying a car is an endless expense. After spending the money for the first time, a lot of expenses will be added to the money spent in the future, but the value of the car is Reduce, this is waste.True frugality is not about not spending, but about spending where it is worthwhile, where it can create more value.This is frugality as Cathy understands it.From her, can we understand the true meaning of "making money wisely and frugal well"?
2. Buying expensive is not as good as buying good
Lisa doesn't like to read books, but always likes to watch movies and TV shows. In her opinion, in the age of electrical appliances, who still uses their eyes to read words.Therefore, buying electrical appliances can always be done in one step. Take the color TV as an example. The color TV bought the most luxurious 25-inch right-angle flat panel at that time, the video recorder bought a brand with recording and playback functions that can automatically flip, and the washing machine bought a fully automatic dryer. Turbine workers, who knows that they have not been used for two years, have all become recycled goods.After learning these lessons, she summed up the principle of "lag of 15 months" that must be adhered to in the consumption of home appliances, that is to say, keep a distance of 15 months from the latest models of products, and when the technology of new products matures, the quality will improve. Double the price, the price has been reduced by half, and it is affordable and reassuring to consume.

In terms of clothing consumption, Lisa's principle is to be rich and colorful, but also to pay attention to benefits.She divides the money for buying clothes into three equal parts: spend a small amount of money to buy classic famous brands, most of which are bought during seasonal discounts, which can be half the price; use 1/3 of the money to buy the most fashionable popular brands, such as striped sweaters and flashy shirts Wait, this part of the investment can make you keep up with the situation, and the image will not be left behind; the remaining 1/3 of the money is spent on cheap nameless clothing, such as unique T-shirts, white shirts, and sports jackets, which can completely follow your style. Choose your own aesthetics.Sometimes an unnamed sports jacket is paired with brand-name casual trousers. The creative play of "owned by her" shows vision and taste.In this way, you can buy classic famous brands without losing the fashionable image, and you can spend less money.

3. Pick out the taste of life
Susan, 24 years old, is a fashion magazine editor. She earned $3000 a month when she first started working, and handed over $1000 to her family. Although her salary is not high, her identity as a fashion editor gave her a higher taste in clothes.In her own words, famous brands are also made by people.For example, two days ago, she took a fancy to a set of Chanel's classic tweed suits, so she used her work to print out the pictures from the Internet, and then used them to buy materials according to the measurement, and then found a tailor she knew to order.As for the cost, the total cost of handwork and fabric is only 300 US dollars. If it is a genuine product, it will cost more than a thousand dollars.Talking about her own life, she is really one-on-one: In terms of beauty, internal adjustment is always more important than any expensive cosmetics for external use, so it is better to use food supplements to benefit; pay attention to the distribution of clothing purchased every month: 1/3 classic Famous brands, 1/3 are popular in the season, and 1/3 are small stalls, so that you can not only sell high-end places, but also reflect your own style; make clothes and shoes according to your favorite famous brand styles; it is better to spend money to hire An aunt cooks, and then brings lunch to the company by myself, which is healthy and hygienic; taking a taxi to and from get off work is worse than taking the subway, and taking the subway is worse than riding a bicycle. If conditions permit, you can walk within the starting fee of 10 dollars, which is both relaxing and exercising. , beneficial to physical and mental health.

4. Taste life, frugal tips

Accumulating wealth is nothing more than two ways to increase income and reduce expenditure. It takes more time to increase income and reduce expenditure is simple and easy.Some "stingy experts" offer us the following tips for frugal money management:
(1) Constantly allocate part of the salary from the salary, 5%, 10%, 25% can be saved anyway;
(2) Find out where your money goes every day, every week, and every month, that is, list your budget and expenditure in detail;
(3) Check and check all receipts to see if the merchant has overcharged;
(4) Keep only one credit card, and it is enough to prove your identity, and the outstanding debts must be paid off every month;
(5) Commuting to and from get off work by public transport saves parking fees, gas fees, insurance premiums, and time spent looking for parking spaces;

(6) Read more "practical manuals" about self-cultivation and investment to get rich. It is best to borrow from the library or download from the Internet to save money;

(7) Simplify life, the house is not too big, buy a second-hand car, go shopping at cheap stores, auctions, etc.;

(8) Weigh the value of the things you buy, and think about "is it worth the money?" Cheap goods may not be worth it, and expensive goods may not necessarily guarantee the quality.

Women love money and behave rationally

Around us, there are many women who have huge wealth. People generally have two opinions: one is that they are lucky, or that the daughter inherits the father’s business and will be taken care of by God; the other is that their wealth comes from their hard work and diligence. It is obtained through hard "hard work".But what those who made these summaries never expected is that the real reason is that they have different habits of "managing" their wealth.Yes, management—that is what we call financial management. Later, we will give a more professional and detailed introduction to wealth management and asset appreciation. Next, we will first lay a directional foundation for women's financial management.

In fact, in life, no matter when and where, our topic is always money.Whether it is doing things, falling in love, going out on a trip, or preparing a gift for your lover, these are inseparable from money.

Women's financial management is to get happiness. If they don't have good financial management habits, even if they have a million dollars, they will spend it all one day.Financial management is a compulsory course for women. It is a life-long benefit for women to develop a good financial management habit.

In modern society, many well-educated women have long since cast off the shackles of their families, and are active in the workplace to be the masters of their own affairs. Their knowledge and wealth have doubled, and they have absolute independence and autonomy.But generally speaking, female friends still have many "fatal injuries" in financial management.

There is a famous saying that goes like this: "Financial management is always a way of thinking, not a simple skill." For financial management, the first thing a woman must master is an attitude and philosophy. Financial management cannot make you rich overnight. Its essence lies in being kind. Use all available funds in your hands to take care of the needs of all stages of life or family.This is the premise for us to talk about women's financial management.When women manage money, how should they play positive factors and avoid negative factors?Here are nine financial advice tailored by experts for women:

1. Update concepts
Don't take not knowing how to spend money as a shy part of a little woman.If women in the past could use flirting with their husbands as a way to get rid of the financial deficit, today you don't want to be kind to your cold wallet.

2. Learn to manage money
Mom's saving principle does not apply to the modern way of life, and the overwhelming advertisements make you feel confused while enjoying it.You need to use your spare time to learn financial knowledge and understand related skills.Don't rely entirely on other people's financial knowledge and decisions; learning personal financial planning can put you on an equal footing with men in family financial decision-making.The financial knowledge and experience you have invested in and accumulated now will accompany you throughout your life, helping you gradually establish a sound financial plan and gradually accumulate wealth.

(End of this chapter)