01 Misunderstandings of financial management
I often hear from friends around me that because I earn so little, I have no money to deal with. Let me ask, when is your so-called rich time? Is a monthly income of tens of thousands considered rich? Is it rich if the ancestors left a legacy of 1 million? It is difficult to define the boundary between having money and not having money, so instead of worrying about whether you have money or not, it is better to spend your time on how to manage your own money.
I dare not start a business, dare not leave my job, have a salary of several thousand yuan, no passive income, and no money to save. In reality, wage earners with a monthly salary of less than 10,000 yuan still account for a considerable proportion. Every time the so-called per capita salary level of the xx city is announced, you will find that almost all netizens are "delayed again!"
In fact, managing money has nothing to do with having more or less money. The accumulation of wealth is not a game in which a person with an IQ of 120 can definitely beat a person with an IQ of 90. Applying it to financial management, if you earn thousands of dollars, you may not be unable to invest in financial management, and there are many people who earn more than 10,000 yuan a month, and there are many people who "eat dirt" from moonlight to debts.
02 Stories about financial management
Lao Wang buys melons Lao Wang took 5 yuan to the melon garden to order watermelons. The melon farmer said that he could not even buy half a watermelon. Lao Wang was not reconciled. Pointing to a small unripe watermelon in the melon field, he said: "You can't buy good melons, so you can order this small watermelon."
The melon farmer thought that Lao Wang would give up after he said so, but he readily agreed and paid 5 yuan to order this immature little watermelon. The melon farmer was puzzled: "You can't eat the small watermelon, what's the use of it?" Lao Wang said: "Anyway, the small watermelon is mine after paying the money, and I'll come back to get it in two months."
Two months later, Pharaoh arrived as promised. He arrived at the melon field and happily took home a big ripe watermelon.
Buying melons seems to be an inconspicuous matter, but it contains the principle of "investing in advance and earning future money". In the process of investment and financial management, it doesn’t matter if you don’t have money. Buy a “little watermelon” with a small amount of money. As long as you can wait patiently, no matter how ugly or inconspicuous the little watermelon is, there will always be a day when it will be ripe.
Financial management should start from small things, and you must restrain yourself from any small detail. Without self-discipline, discipline, frugality, and patience, the mentality of always expecting the sky to fall is terrible, and it is impossible to succeed.
If you have spare money, if you can't make good use of it, the final result will also have a huge difference. Financial management has never been related to more money or less money. The amount of money only affects the choice of financial management methods and specific tools. Those who claim to "earn money first and then manage money" have a fixed mindset, that is, only rich people manage money. This kind of thinking is also reflected in "financial management is investment" and "financial management means money makes money".
03 The meaning of financial management
Buffett said: If this is a game for the rest of your life, you'd better get in early. There is also a famous saying in the market: Those who only know how to work hard will lose the opportunity to make money.
Many people know that financial management is very important, but for various reasons, they hesitate to take action. They are always looking forward to the most perfect time to enter the market.
▲Financial management is to manage money for a lifetime, not to solve urgent financial problems.
▲Financial management is to manage assets and income, resist inflation, and realize asset value preservation,
added value.
▲ There is no chronological order for financial management, regardless of age group, whether you have money or not,
Whether you are poor or rich, you need to manage money.
▲Financial management is to use less income to earn more wealth and improve the quality of life.
▲Financial management must have a good psychological quality, regardless of the small and not greedy for the big, not impatient or procrastinating,
Don't be rash or blind, do what you can.
In fact, financial management is not the monopoly of the rich. People who have more or less money need to take good care of their wealth. Only by learning how to manage money can you manage money reasonably, enhance your and your family's ability to resist unexpected risks, and improve your quality of life.
Financial management is not about buying a stock, or depositing money in Yu’e Bao. Adhering to bookkeeping (revenue and expenditure planning) is financial management, and insurance planning is also financial management. The purpose of financial management is not only to increase or not depreciate, but more importantly, For a relatively long period of time, the continuous health of your financial situation will be guaranteed, so that you will not be afraid of various risks in your future life.
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