Chapter 66 The head decides the pocket

Most women in life may often feel embarrassed to talk about money, and are afraid of being misunderstood as stingy and money-smelling.But as a modern woman, there is absolutely no need to have such thoughts. After all, real life is inseparable from money, and daring to talk about money is a manifestation of daring to face reality. For female friends, financial management is not only a contest of wisdom, but also a game of ideas.As a woman, how can I win my place in financial management?If you have money, you need to manage money, and if you don't have money, you need to manage money.At this moment, the most important thing you need to solve is the conceptual problem: your head determines your pocket, only by getting rid of your wrong financial concepts and establishing a new financial management experience for modern women, can you manage your money well and have more wealth.

Common misconceptions in the minds of modern women include the following: Some people who are full of self-confidence often have this kind of saying, I don’t manage money much, and of course I don’t spend everything every month, and I live a good life.There is still a little money left over for pocket expenses every year.There are not a few people who have such thoughts. At first glance, it seems that this kind of lifestyle is also very good. You don’t have to worry about financial management.But, if you think about it, do you really need money? Sharry, 31 years old, a sales manager of a company, can calculate hundreds of thousands of income in one year, which is also the idol-level life envied by most people. Only then did I collect the "life-saving money", and then I gradually reduced my expenses. Going to a five-star movie theater became watching DVDs at home, and taking a taxi to work turned into catching a bus or taking the subway. In short, I began to think about every expense Spend, try to save yourself some money.

Thinking about how young I am today, I have plenty of energy and physical strength. If every day is "drunk today", how will I deal with it in my future life?Facing the arrival of the elderly society, a couple has to raise four elderly people, somewhat helpless.In fact, the higher your income, the higher your financial management channels and income. Preventing problems before they happen is necessary for yourself and your family. Don't say that you will start financial management after you really have enough spare money. You should start now, the sooner you start, the sooner you will benefit.The reason why I say this is not only because there are many female friends around when they talk about financial management issues, they often say: "I have no money to deal with." The "appearance rate" of this sentence is very high.Almost 80% of the young female friends I have met will say the same, especially the female friends who have just graduated and worked.In fact, property is the same as ability. We can hardly say that a normal person has no ability.

Now, getting married and buying a house have become "two big mountains" in front of many young female friends, so many young women start to curl their lips when it comes to financial management: the salary on hand is excluding rent, food and drink, buying clothes, and paying monthly payments. Not bad, how can we manage money without money?This is a general point of view.Liu Yanbin, a famous financial planner, has repeatedly pointed out on many occasions that many women's understanding of financial management has fallen into such a common misunderstanding.In fact, financial management does not have to wait for you to have money, but to achieve your financial security and improve your quality of life under the existing conditions.

Today, more and more young women are beginning to realize this, especially in recent years when there are more and more means of financial management and financial products are becoming more and more abundant, raising a family and managing money have become equally important. Many female friends have this kind of thinking, and even some women will take it for granted that "increase income and reduce expenditure" must first increase income, otherwise, without sources, financial management will become water without a source and a tree without roots.Yes, that’s right, but financial management and earning money are not contradictory. The two often complement each other. A person with a high income should have better financial management methods to manage his property. In order to further improve your living standards, Or to accumulate strength for your next "challenge goal".

In fact, in a sense, financial management is also a means of "making money" and a way for us to achieve our goals.Looking at those big shots, they all have strong financial concepts. If you don’t plan to have a more challenging life (meaning your risk will not be high), if you also ensure that the people around you will always be safe and healthy, Then you can indeed "pamper yourself".But in fact, this hypothetical premise is almost non-existent, not to mention that even if you have the strength to start your own company, or want to make some investments, you still need to manage money, and you will feel the importance of money management to you Sexuality, because you want to start a business and invest in these economic activities, which means that the economic risks you face have increased. You must enhance your risk resistance ability through reasonable financial management methods. While achieving your goals, you must also ensure your own economic security.

"Waiting" is the enemy of women's financial management!Especially when we first have financial awareness, we are often waiting for an opportunity to manage money. In fact, what we have to do is not to wait for the opportunity first and then invest, but to invest first and then wait for the opportunity.From the compound interest formula of asset appreciation, we can also see that the biggest factors affecting future wealth are the return on assets and the length of time, and the amount of your current capital is relatively uncontrollable, that is to say, you do not It may be taken for granted how much money to invest in financial management. "Don't do nothing because of the smallness of kindness", this is not only an advocacy for human character, but also a warning of love for financial managers.

Financial management allows female friends to enjoy the sense of accomplishment brought by the results, and at the same time, it also makes them face challenges in the financial management process.Many times, financial experts are giving us proof that: if a person invests $800 a month, then in 40 years we may become the owner of millions or even tens of millions of wealth.At this point, some people will ask impatiently: "Want to wait for 40 years?! I don't know where I am after 40 years, maybe I have stopped dealing with money for a long time, and I still need the billions of dollars to do it. What?" Yes, here, on the one hand, the experts are telling us to develop the habit of managing money, and on the other hand, they are also telling us that we need to spend some time and energy and persevere in getting rich.At the same time, it is also reminding female friends that time is an indispensable factor in financial management.Only in a relatively long period of time will your compound interest come into play. By luck, you may get rich overnight, but you may also go bankrupt overnight.

The head determines the pocket, and it is more fully expressed in the game of financial management. To revitalize the dead money that belongs to you, you must first revitalize your brain. A dead brain can only make the small money that belongs to you worry about yourself, The health and safety of your family members can be preserved carefully. Over time, you may preserve your "capital" and lose your "rolling wealth".