The year-end bell is about to ring, bringing not only New Year's hopes, but also personal financial review and reflection. For many people, how to keep their money bags has become the most important issue at the moment. Thankfully, insiders have come up with a simple and practical oneManage your moneyPrinciple: "Three don't buy, three don't sell". It's not just a slogan, it's the culmination of financial wisdom. So, what does this "three don't buy, three don't sell" contain?This article will take you one by one.
The end of the year is a time to calmly think about the future, and for most people, buying a luxury sports carInvestmentsA mansion or buying a yacht is full of power. However, we must be rational about reality and our own needs. Just as it is unreasonable to keep a horse in a small apartment, buying one does not correspond to one's actual situationCommoditiesNot only does it take up space, but it can also be a huge financial burden. Look at the situation rationally and avoid making unwise purchasing decisions because of impulse.
Expanding:CommoditiesIt refers to those items with a high value and a large amount in a single transaction, such as houses, vehicles, etcLuxuryWait. Purchased at the end of the yearCommoditiesSpecial caution is required. First of all, we need to have a clear goal and rationalityBudget。ForBuying a houseWe need to think about ourselvesEconomythe situation, future development plans and the direction of the real estate market, etc. Secondly, we want to be explicit about the purchaseCommoditiespurpose. Is it for self-occupation or forInvestments？If it's for self-living, we have to think about itBuying a housegeographical location, surrounding supporting facilities, etc. If it's forInvestments, we have to analyze the market trend, the future value-added space, and consider the rentRate of returnWait. PurchaseCommoditiesYou need to think carefully to make sure that your decisions are informed and in line with your own circumstances.
The merchant** activities at the end of the year are often dazzling, and all kinds of discounts and discounts are hard to resist. However, in the purchaseLuxuryWe need to keep a clear head and not be fooled by fictitious offers. Wear it on a cold winter dayShort sleeves, it looks like perhapsFashion trends, but in reality it is impractical. ExceededBudgetofLuxuryNot only will it put a strain on our finances, but it can also lead to regret and distress after the purchase.
Expanding:LuxuryAs a way of spending, it often attracts people's eyes and wallets. Especially at the end of the yearBusiness**Period, all kinds of fictitious offers and discounts are hard to resist. However, we are buyingLuxuryBe cautious. First of all, we need to be clear about our needs andBudget。According to their ownEconomystrength and actual needs, reasonable settings to buy clothes, bags, watches, etcLuxuryofBudget。Secondly, we need to learn to distinguish between real and fake offers. In the merchant's first period, many products are marked with discounts, which seems to be very cost-effective, but in fact, some merchants may just inflate the original price and pretend to give us discounts. We need to learn to distinguish between real offers and fake discounts, so as not to be deceived by the rhetoric of merchants. PurchaseLuxuryYou need to choose carefully to make sure that your purchase is within the affordable range and is truly affordable.
The end of the year isFinanceperiods of higher market volatilityInvestmentsIt is one of the areas that is most susceptible to emotional influence. At this time, we should avoid blindnessInvestmentsHigh riskInvestmentsProducts. When the market is in flux, blindlyInvestmentsIt's like dancing on the edge of a cliff without guardrails, it's a risky and irresponsible act. At the end of the year, we should remain rational and choose stable and low-risk onesInvestmentsway, such as:Fixed DepositsTreasury bondsWait.
Expanding:Investmentsis an important means to achieve financial appreciation, however,InvestmentsThe market fluctuates, and risks and opportunities coexist. In this special period at the end of the year, we should choose more carefullyInvestmentsProducts. First, we need to understand our own risk toleranceInvestmentsTarget. DifferentInvestmentsThe degree of risk of the product is different, and we need to choose the right one according to our actual situationInvestmentsManner. Secondly, we must pay attention to the trend of the market and hot industries, and grasp a certainInvestmentsKnowledge and skills. YesInvestmentsThe basic principles and basic concepts of timely follow-up market dynamics and make wise onesInvestmentsDecision-making. At the same time, we want to decentralizeInvestmentsrisk, don't put all your eggs in one basket. By proper dispersionInvestments, which can be loweredInvestmentsrisk, improve the overall return. InvestmentsIt is an art that requires us to keep learning and Xi and practice. At the end of the year, we should remain calm and rational and avoid blindnessInvestmentsand choose the one that suits youInvestmentsManner.
At the end of the year, we need to pay special attention to those that increase in value steadilyLong-term investment。theseInvestmentsIt's like a big tree that grows slowly, and it takes time to witness its value grow. ForWait. Long-term investmentvariety, we should remain patient and confident, not easily**. After all, time is the best witness, a steady increase in valueLong-term investmentIt will create more wealth for us.
Expanding:Long-term investmentis a widely adopted oneInvestmentsStrategy, which shares the benefits of asset appreciation and dividends by holding an asset for a long time. At the end of the year, we should be cautious about what we holdLong-term investment。First of all, we need to be rightInvestmentsof assets to understand their prospects and potential. If we are confident in the asset's growth prospects and haven't held it long enough, then we should be patient and not take it lightly. Secondly, we need to pay attention to the market **andEconomyTrends, timely adjustmentsInvestmentsTactics. When the market is volatile, we should not be blind**Long-term investment, but should be based on changes in the market and their ownInvestmentsgoals to be set accordinglyInvestmentsPlan. Finally, we need to get a good grasp of itInvestmentsrhythm and timing. InInvestmentsWe must seize the opportunity to ** assets with low prices and good prospects, and at the same time avoid short-term operations of chasing up and down. Through rational and prudentInvestments, we can get long-term stable income.
The year-end moment is also a time to review and summarize, and we often take out some items with emotional value, such as old **, handmadeGiftsSouvenirsWait. Although these objects do not create wealth, they carry our memories and emotions and have a unique value. At the end of the year, we should not rush to these items with emotional value, but cherish them as part of the good memories.
Expanding: Objects with emotional value are a part of our lives, and they bring us endless memories and warmth. At the end of the year, we should not take these items lightly, but cherish them. First of all, we need to recognize the unique value of these items. They are witnesses to our growth process, carrying our emotions and memories. Whether it's an old **, handwritten letter, or handmadeGifts, stillSouvenirsand monuments, which are all an irreplaceable part of our lives. Second, we need to learn to look at these objects rationally. Despite their sentimental value, they are not the only criterion for our quality of life. We can't sacrifice ourselves for the sake of our emotionsEconomyBenefit. It should be based on the actual value of the item and its ownEconomycondition to decide whether to **. Finally, we need to be good at protecting these items. With proper preservation and care, we can extend the life of these items and let them continue to accompany us and become a part of our lives.
The year-end moment is a time to think about the future, and many people think about itInvestmentswithStart a businessproblems. For those with future development potentialStart a businessproject, we should not give up easily, but should stick to it and strive to achieve our dreams. Start a businessIt is full of risks, but it is successfulStart a businessThe project will bring us great returns.
Expanding:Start a businessIt is an act of chasing dreams, and it requires us to put in the effort and sacrifice. At the end of the year, we should not give up on those with future potentialStart a businessProject. First of all, we need to be rightStart a businessproject to understand its market prospects andBusinessOpportunity. If we have faith in the project and have the resources and capacity to move it forward, then we should stick with it. Secondly, we have to formulate a reasonable oneStart a businessPlans and strategies. Start a businessWe need to have clear goals and plans, we need to know the path we want to take, and develop strategies and measures accordingly. Finally, we need to be good at adjusting and improvingStart a businessProject. Start a businessIt is not a straight road, and we will face various challenges and difficulties. In the face of difficult situations, we need to remain calm and confident, adjust and improve the project in time, and look for new onesBusiness opportunitiesand direction of development. With perseverance and perseverance, we can achieve our ownStart a businessDream.
"Three don't buy, three don't sell" is a concise and practicalManage your moneyPrinciple. At the end of the year, we should not buy something impracticalCommodities, do not buy exceedingBudgetofLuxury, do not buy high-risk onesInvestmentsProducts. At the same time, we should not easily sell stable and value-added onesLong-term investment, do not sell items with sentimental value, do not sell future development potentialStart a businessProject. By following the principle of "three don't buy, three don't sell", we can manage our personal finances rationally and prudently to ensure the steady growth of wealth. Let's become more rational and wise financial stewards in the new year!