With the development of the Internet era, the word financial management is a topic often discussed by many people. In addition, this year's ** is not bad, many people have joined the ranks of financial management, and even after dinner, they will talk about today's income.
However, many people's financial concepts are not very correct, and they mistakenly regard speculation as investment, and many times they want to go in and make a sum of money and come out. Admittedly, this kind of thinking can definitely make money when it is good, but when it is a little worse, it is possible to be permanently trapped.
Then, in addition to this, if the following wrong financial concepts are not changed, it is also difficult to establish a correct financial management system and make money.
1. If you have money, you will manage your finances, and if you don't have money, you won't manage your finances.
When many people hear the word financial management, they will feel that they have a big head, and the reason why they have a big head is because they have no money. Chubby used to be very enthusiastic about financial management to his friends, and often advised them to manage their finances.
However, in the end, the answer was: "After all that, I don't even have any money, so what do I have?" "In fact, financial management does not have to be a lot of money, even if the principal is small, you can start financial management.
For example, at present, the purchase threshold of many ** is as low as 10 yuan, and there is no threshold for currency**, which is a way to manage money and a way for ordinary people to make money.
Only by starting with small money and enjoying interest income can we gradually change the concept of money, and then try our best to save a lot of money. In the future, we will be able to continue to snowball the funds and get bigger and bigger.
Second, money is only called money when it is spent, and it is someone else's if it is not spent.
I'm sure you've all seen a group of people who firmly believe that money is only their own if it's spent, and if your money is saved and not spent, it's always from the bank.
Actually, this is a completely wrong idea. If every time you pay your salary, you will spend all the money and spend it, in case there are some changes in the family and you need to use the money urgently, and you will find money from **? In the end, it may be to borrow money from relatives and friends, but the taste of borrowing money is not pleasant.
So, get rid of the so-called idea of spending money. After saving the money, it is much more cost-effective to carry out reasonable financial management and appropriate asset allocation to calculate the effect of compound interest than spending or putting it in the bank, and it also earns more.
3. Blindly believing in the recommendations of others and lacking assertiveness.
Some time ago, a piece of news blew up the entire network, that is, the owner of a loan network surrendered, and it was this behavior that made the majority of investors lose all their money, and many people regretted that they should not invest so much money.
In fact, in the final analysis, a large number of people blindly listened to the recommendations and propaganda of some ** and big V, and then were taken away by high interest income.
Among Chubby's friends, one of them borrowed hundreds of thousands of dollars from relatives and friends to invest in this product, and the final result was that there was no other way than to go to the police station to file a case and appeal, and it was a question whether he could recover part of the principal.
Therefore, when you are usually fine, it is especially important to read more financial books to understand your own risk level and allocate assets reasonably. Don't just look at the benefits without risk. Otherwise, the final outcome will be nothing.
Fourth, what others buy, you will follow.
Another misconception of financial management is that when you see someone else making money, you want to buy the products you buy. For example, Hershey's, there are a lot of experts on the Internet, today this will be the limit, tomorrow that will be profitable.
All kinds of benefits are envied by ordinary people. So, they voted with these people, and in the end, only a small number of people made money and were imprisoned. And when he loses money, he starts to scold others, saying that they recommend randomly.
This is obviously caused by the crowd. The right thing to do is to understand your principal and then assess your risk tolerance level. Then you can determine which financial management project is suitable for you, rather than following someone else's purchase.
In real life, you can't even trust the recommendations of friends, so how dare you dare to boldly listen to the recommendations of strangers on the Internet?
In fact, the wrong financial concepts in life are far more than the above points, and many experiences are summed up after losing money. However, during the bull market, many people simply don't listen.
Everyone is an ordinary person, those so-called experts, they just read two more books than you, watch more financial news, they don't have the ability to ** the market, so they don't need to deify them too much.
The best way for ordinary people to get rid of these misconceptions about financial management is to read more financial books, understand some phenomena and risks, and slowly establish a financial management system that conforms to themselves.
Otherwise, it's just speculation. When you are lucky, you earn, and when you are unlucky, you lose.
It's not easy to type, please give Chubby a thumbs up after reading, thank you first! ）