Chapter 68 Women love money and behave rationally

To put it bluntly, on the road of life, 99.99% of people are chasing fame and fortune, which is not very wrong.Obviously, female friends are no exception. As long as we have the "Tao" to obtain them, there is nothing shameful in itself; As for the key to winning wealth, we want to remind you that winning or losing is not determined by the starting line, but by which runway we choose. Seeing that many women have huge wealth, people generally have three opinions: one is that they are lucky, or that their daughters inherit their father's business, and they will be taken care of by God; The industry belongs to "starting from scratch and doing it with black hands"; the third is that their wealth comes from their hard work and diligence, which is obtained through hard work.But what those who made these summaries never expected is that the real reason is that they have different habits of "managing" their wealth.Yes, take care!It is what we call financial management. Later, we will make a more professional and detailed introduction to wealth management and asset appreciation. Next, we will first lay a directional foundation for women's financial management.

In fact, in life, no matter when and where, our topic is always money.Whether it is doing things, falling in love, going out on a trip, or preparing a gift for your lover, these are inseparable from money. Women's financial management is to get happiness. If they don't have good financial management habits, even if they have a million dollars, they will spend it all one day.Financial management is a compulsory course for women. It is a life-long benefit for women to develop a good financial management habit. In modern society, many well-educated women have long since cast off the shackles of their families, and are active in the workplace to be the masters of their own affairs. Their knowledge and wealth have doubled, and they have absolute independence and autonomy.But generally speaking, female friends still have many "fatal injuries" in financial management.

There is a famous saying that goes like this: "Financial management is always a way of thinking, not a simple skill." For financial management, the first thing a woman must master is an attitude and philosophy. Financial management cannot make you rich overnight. Its essence lies in being kind. Use all available funds in your hands to take care of the needs of all stages of life or family.This is the premise for us to talk about women's financial management.When women manage money, how should they play positive factors and avoid negative factors?The following are nine financial advice tailored by experts for women:

Don't take not knowing how to spend money as a shy part of a little woman.If women in the past could use flirting with their husbands as a way to get rid of the financial deficit, today you don't want to be kind to your cold wallet. Mom's saving principle does not apply to the modern way of life, and the overwhelming advertisements make you feel confused while enjoying it.You need to use your spare time to learn financial knowledge and understand related skills.Don't rely entirely on other people's financial knowledge and decisions; learning personal financial planning can put you on an equal footing with men in family financial decision-making.The financial knowledge and experience you have invested in and accumulated now will accompany you throughout your life, helping you gradually establish a sound financial plan and gradually accumulate wealth.

As with anything, you need a purpose so you don't lose your way.The same is true for financial management. Set two goals for yourself, one far and one near, such as determining the goals for the next 20 years and the number of savings per month.This way you will have scruples when spending money. After the salary is paid every month, deposit a certain amount of it, such as 20% of the salary, in the bank, and never use this money easily from now on. Then there will be a considerable wealth in a few years. If you don’t do this, the money will be lost It will be easy to spend, and you will not feel much richer.Don't wait until the end of the month to see how much you have left to save, and don't keep using your spouse's account or depositing in your spouse's name, leaving yourself without any bank deposits and credit history.

Diversifying the targets of financial management can avoid skyrocketing and plummeting. It is the most effective and widely adopted way to reduce risks, because basically all investment targets will not rise and fall at the same time. Therefore, when your financial management is not single, but After turning into a financial management portfolio, the investment return of the portfolio becomes the weighted average of each investment, and part of the risks are offset by individual ups and downs. You can set a bottom line for your financial management, that is, when the bank funds reach a certain amount, you can propose to use 50,000 or 100,000 of them for financial investment, and you can buy different stocks each time. In this way, Not only can you diversify your financial investment targets, but you can also diversify your investment institutions.

For everyone, the meaning of affordable is different. Some people may be a master at picking goods during a big sale, while others believe in the shopping principle of "rather shortage than excess".Due to differences in personal income levels and lifestyles, the interpretation of the word "smart" is also different, so don't follow the crowd when shopping.Remember, what works for someone else may not work for you.No matter when and where you shop, you must write down every money you spend.Write down leisure and entertainment, transportation expenses, three meals expenses, entertainment expenses, luxury goods purchases, etc., and review your consumption curve after a month or three months to understand which part of your spending is the most, and secondly You can also adjust your consumption behavior so that you don't lose money unknowingly.

Compared with open source, it is much easier to reduce expenditure. You might as well start with small things like saving water and electricity bills, and you will get the effect of accumulating over a long period of time.And this frugal lifestyle is also very conducive to environmental protection. In order to deal with unexpected expenses, it is usually necessary to deposit a special emergency fund, so as not to use the fixed deposit when the money is suddenly needed and lose interest. Making money and managing money does not simply refer to saving. This kind of thinking is obviously outdated.If you want to manage money by yourself, you need to master a more complex knowledge system.At the same time, think of it as a way to improve your life, then there will be no problems in your life that are complicated and difficult.

If life is a journey, then investment and financial management is an upward climb in the life of a female friend.There are no shortcuts, the key is to choose the right way to climb.By reading the content of this section, along the runway of wealth competition, adhering to the "road" of financial management, the "right way" of financial management with your head held high, and the "essential way" of financial management, you will gain not only wealth, but also the share of wealth management Confidence.