Calm: Be a calm woman

Chapter 7 Indifferent to fame and wealth—a calm woman understands that if she is indifferent, she wi

Chapter 7 Indifferent to fame and wealth—a calm woman understands that if she is indifferent, she will not be burdened by material desires (3)
3. Set goals
As with anything, you need a purpose so you don't lose your way.The same is true for financial management. Set two goals for yourself, one far and one near, such as determining the goal of struggle for the next 20 years and the amount of savings every month, so that you will have scruples when spending money.

4. Mandatory Savings
After the salary is paid every month, deposit a certain amount of it, such as 20% of the salary, in the bank, and never use the money easily from then on. After a few years, there will be a considerable wealth. If you do not do this, the money will be lost. It will be easy to spend, and you will not feel much richer.Don't wait until the end of the month to see how much you have left to save, and don't keep using your spouse's account or depositing in your spouse's name, leaving yourself without any bank deposits and credit history.

5. Decentralized financial management targets
Diversifying the targets of financial management can avoid skyrocketing and plummeting. It is the most effective and widely adopted way to reduce risks, because basically all investment targets will not rise and fall at the same time. Therefore, when your financial management is not single, but After becoming a financial management portfolio, the investment return of the portfolio becomes the weighted average of each investment, and part of the risks are offset by individual fluctuations.

6. Diversified investment institutions
You can set a bottom line for your financial management, that is, when the bank funds reach a certain amount, you will use 5 yuan or 10 yuan for financial investment, and you can buy different stocks each time. , you can not only diversify the targets of financial management and investment, but also diversify the investment institutions.

7. Shop Smart
For everyone, the meaning of affordable is different. Some people may be a master at picking goods during a big sale, while others believe in the shopping principle of "rather shortage than excess".Due to differences in personal income levels and lifestyles, the interpretation of the word "smart" is also different, so don't follow the crowd when shopping.Remember, what works for someone else may not work for you.No matter when and where you shop, you must write down every money you spend.Write down leisure and entertainment, transportation expenses, three meals expenses, entertainment expenses, luxury goods purchases, etc., and review your consumption curve after a month or three months to understand which part of your spending is the most, and secondly You can also adjust your consumption behavior so that you don't lose money unknowingly.

8. Save money and make money
Compared with open source, it is much easier to reduce expenditure. You might as well start with small things like saving water and electricity bills, and you will get the effect of accumulating over a long period of time.And this frugal lifestyle is also very conducive to environmental protection.

9. Stock up for emergencies

In order to deal with unexpected expenses, it is usually necessary to deposit a special emergency fund, so as not to use the fixed deposit when the money is suddenly needed and lose interest.

The idea that making money and managing money is more than just saving is clearly outdated.If you want to manage money by yourself, you need to master a more complex knowledge system.At the same time, think of it as a way to improve your life, then there will be no problems in your life that are complicated and difficult.

If life is a journey, then investment and financial management is an upward climb in the life of a female friend.There are no shortcuts, the key is to choose the right way to climb.By reading the content of this section, along the runway of wealth competition, adhering to the "road" of financial management, the "right way" of financial management with your head held high, and the "essential way" of financial management, you will gain not only wealth, but also the share of wealth management Confidence.

Enjoy the most comfortable life with the least money

Ladies, make luxury a vice, and avoid it.However, while I warn everyone not to be extravagant, I also remind everyone that frugality is good, but don't be stingy.If you develop a very stingy lifestyle, your happiness will also be dragged down by money.We must not only strive to be frugal, but also improve our living standards so that we can enjoy the fun of life.

In life, some people are too frugal to the point of being stingy.Two years ago, I knew a middle-aged lady who was just like that.Although her income is quite good, she is reluctant to spend any money, neither buying clothes for herself nor eating in restaurants.She saved nearly all of her money.Although she has saved a lot of money, her life is quite monotonous, because she can't bear to spend money to go to the movies or go out to eat with friends.Because of this, she has very few friends, and no one wants to associate with her.

Ladies, frugality is of course a good habit, but if, like the lady above, you don't want to spend any money, what's the fun in life?What's more, we work hard just to let ourselves live a good life, and now we earn some money, but deposit all of it in the bank. Doesn't this deviate from the original intention of working hard?Therefore, if we are too stingy, we will not be able to enjoy the fun of life, and no one wants to associate with you, because everyone does not like people who are too stingy.

Maybe some women will say to me, Mr. Carnegie, you have confused us now, you told us not to be extravagant and wasteful, and now you remind us not to be too stingy, so what is right?Can you set a standard for us?

Ladies, because your income and economic status are different, of course I cannot give you a standard.But I can tell you a principle of consumption, that is, the principle of moderation.We must not only strive to be frugal, but also improve our living standards so that we can enjoy the fun of life.If we can do this, we have reached our goal.

In this respect Mrs. Rado Gunn, deputy editor of Ladies' Life, has done an excellent job.Mrs. Gunn's income is quite good, but she is a frugal person and never spends money indiscriminately.However, her life is still very exciting.How did she do it?

In life, Mrs. Rado Gunn insists on the following two principles: first, use the least money to do the most things, and never let money go to waste; second, the money that should be spent must be spent, and life must be improved quality.

Whenever the salary is paid at the beginning of the month, she does not go shopping in the clothing supermarket like ordinary ladies, nor does she save all the money like those stingy people.She will first calculate the expenses that need to be spent this month, keep a part of this month's salary, and then save the rest.After making the income and expenditure plan for this month, she strictly followed the plan and never spent a penny.

Mrs. Rado Gunn is not only not a stingy lady, but also a person who pays attention to the taste of life: she never buys clothes indiscriminately like ordinary ladies, but her clothes are all good brand clothes, which are very comfortable to wear. It fits well; she doesn't spend money unrestrainedly like ordinary ladies, but every weekend, she will take her children to restaurants for a meal, and sometimes she will listen to music and watch operas with her family.At the end of the month, she also invites a few friends to the coffee shop for a cup of coffee and chats for hours.In short, in the eyes of everyone, Mrs. Rado Gunn is a lady who pays attention to the quality of life and is very romantic, but what is surprising is that her living expenses are not more than ordinary people, and she even saves a lot.

Ladies, after seeing the example of Mrs. Rado Gunn, don't you envy her very much?In my opinion, she is not only a lady of great taste, but also a smart lady, because she can live a high-quality and happy life with the least expense.

Of course, many women would still be very confused after reading Mrs. Rado Gunn's introduction, because many of them did the same, but not to the same effect.Here, I might as well explain again.The reason why Mrs. Rado Gunn can live a high-quality life with the least expenditure is inseparable from her careful planning on the one hand, and on the other hand, it is because she is not a person who pays much attention to material life, but a A very spiritual person.Because of this, she will not compare with others and spend a lot of money on those luxury goods, thus saving a lot of money.It is precisely because of this that her life looks very tasteful.

Ladies, stinginess, like extravagance, are bad habits that will affect your life and even kill your happiness.

(End of this chapter)

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