Hello everyone, I'm Muzi practicing.
Benjamin Franklin once said, "Habit is a tenacious and tremendous force, and it can dominate life." ”
40%-60% of our behaviors are based on habits, and good habits will continue to compound and benefit you immenselyBad habits will pull you into the abyss, which you also call fate.
Today I will share 4 minimalist good habits, simple, do it, and help you easily develop a rich physique:
1. Insist on bookkeeping.
In life, the vast majority of people who do not keep accounts only have the concept of savings and living expenses, but do not have the concept of family assets and living costs.
For example, if we don't keep accounts, we often budget for what big expenses we have this month, and we don't have a lot of money at the end of the month.
At this time, if you encounter a large amount of expenses outside the budget, such as a classmate's marriage, a colleague's treat, a relative or friend's illness, etc., it will disrupt the original plan and even put the rest of your life in an embarrassing situation.
Only by insisting on bookkeeping and having a clear understanding of the cost of living and family assets can you better plan your next life and reserve the corresponding funds and time to deal with special situations in life.
Bookkeeping isn't about saving money or controlling spending, but sticking to bookkeeping can help save a lot of money.
When I first started bookkeeping, my teammates' reaction was: there is something to remember, and bookkeeping can't make more money.
Although bookkeeping can't make more money, I still insist on keeping accounts every day, from home appliances and furniture to daily grocery shopping, fruits, milk, etc.
I don't think bookkeeping is cumbersome, but bookkeeping allows me to clearly see what money is spent, what money should be spent, and what money should not be spent, which invisibly saves a lot of money.
2. Spend money in moderation.
As the old saying goes: you can do as much as you can.
I think the same applies to everyday spending: see how much money you can earn, and then decide how you want to spend it.
It is necessary to combine one's own income level, maintain reasonable desires, and resolutely do not spend what should be spent, and resolutely not spend what should not be spent.
Don't be greedy for cheap, don't blindly pursue big names.
3. Learn to manage money.
If you don't manage your money, your money won't care about you.
The sooner you start managing your money, the richer you will be.
Distribute your monthly salary wisely, such as 50% for low-risk long-term investment, so that the money can make money on its own40% is used to achieve short- and medium-term goals, and 10% is used for daily pocket expenses.
It is worth noting that financial investment here does not refer to blindly following trends.
Thinking back to the beginning of 2020, ** was applauded, I took out tens of thousands of yuan and followed a **blogger who followed on the Internet to enter the market.
Because I blindly followed the trend, **chased all the way up, and then went all the way back**, it has been almost 4 years now, and I haven't returned to the capital.
People can't make money other than cognition, and I'm glad that I didn't invest much when my cognition was low, so I could only spend money to buy lessons.
Investment is risky, and while managing money, we must evaluate our own risk tolerance, and learn the corresponding financial knowledge before making decisions.
4. Invest in yourself.
Warren Buffett said, "There is one investment that is more valuable than all other investments – and that is to invest in yourself." ”
Investing in yourself is the only business in the world that is sure to make money without losing money.
How you invest in yourself and how you manage your time will determine who you will become.
Read, write, improve your skills, learn new knowledge, break your comfort zone, challenge your limitations, meet interesting souls, and broaden the possibilities of life......
Only by investing in yourself and adding value to yourself can you have the ability to make money continuously and choose the life you want most.
I will share here today, cultivate 4 minimalist good habits, and hope that we can all develop a rich physique and live a rich life that will benefit us for a lifetime.