Tell a story I've read in a book before:
The poor complain that fate is unfair, and they do a lot of tiring work every day, but they are still poor.
And rich people don't have to work every day, but they have endless money to spend.
The Buddha asked him how he could feel fairThe poor man said that he would make the rich as poor as he was, and do the same work.
The Buddha agreed, and the Buddha turned the rich into poor as the poor. And gave the two of them a coal mountain.
The practice of the poor is to dig coal day in and day out. After digging it up, it sells it for money and then spends it. After digging like this for a year, he is still poor.
In addition to buying something to eat, the rich save all the money they earn from digging coal. Save enough money to hire others to dig coal for you, so that the rich man quickly makes a lot of money and becomes rich.
I don't know if you have noticed that the key to determining a person's wealth and poverty lies in people's thinking many times.
Thinking differently leads to different behaviors, and different behaviors also lead to different outcomes.
I've seen people save money and end up living on interest alone.
I have also seen some people spend a little money when they earn a little money, and they have worked hard for most of their lives, and they still need to keep running when they are old.
German writer Hakata. "Getting rich is not because of high income, but because of saving," Schaefer said. ”
Personally, I think that no matter how much or less you are earning now, you must have the habit of saving, which may be an important foundation for changing your life or career.
Can help yourself prepare three accounts:
One is an account for daily expenses, such as putting 60% of your income into this account to provide for your own living needs. Rent, utilities, insurance, food, etc., are all debited from this account.
One is an emergency fund account, such as depositing 20% of the income into this account, which is not usually available and can only be used as a last resort.
For example, this time, if our teammates are unemployed, if we have an emergency fund, we can be more relaxed, at least for three to six months or even longer, so that we will not go hungry.
One is an investment account, in which you invest your spare money, which will not be used for at least 3-5 years, or even longer. Generally, the money I invest in ** is the spare money I use. Even one hundred or two hundred is fine.
I saw such a passage in the book "My Wealth Freedom" by the pavilion owner: "Time is the greatest magician, it makes the beauty twilight, the hero is short of breath, and it also makes money grow geometrically, giving you unexpected surprises in the future, which is the effect of "money makes money". ”
I believe in the role of compound interest, and I have continued to invest regularly, even if the market is in a downturn now, I still haven't stopped. Maybe it's not the ** that votes, but your own beliefs.
If you have more money, it is recommended that you can also prepare an insurance account, a play account, a pension account, an education account, and so on.
People who can really save money must have far-sighted thinking, be able to combine their accounts reasonably, know how to manage their own money, and put every money in place.