Chapter 71 spend your money wisely

When financial experts advise everyone to tighten consumption, they often come across this statement: "I earn money to consume, if I don't consume, I still don't earn money. Besides, there are so many restrictions, and life is too much. No strength.” Yes, the purpose of teaching you how to manage your money well is also to enable you to better meet your needs in life and substantially improve your quality of life.So a concept that needs to be weighed by everyone is: Consumption, spend your money wisely! If funds do not move, money becomes dead money.So, how can we prevent the money from lying there rigidly and idle there, and let it "move"?

As the saying goes, "It is better to run a business and open a store if a family has a lot of money." Of course, this does not mean that female friends should spend all their money on "business and open a store". , should make further planning for financial management, find new products suitable for financial management, and then focus on investment and financial management, and spend money on the "knife edge".Our female friends all have this feeling in life: no amount of money is enough.Why?Because "sitting and eating" will inevitably bring about "empty mountains".If you regard those so-called idle funds as a snowball, if you put it on the snow, it will only get smaller and smaller; on the contrary, if you roll it up, it will get bigger and bigger.Only by circulating can more profits be made. This is also the reason why "the stagnant water is afraid of being scooped with a spoon".

Life lies in movement. When financial management becomes a part of our women's life, the same goes for funds, which need movement, that is, participation in circulation.People who are good at financial management can use the money to buy bonds, stocks and other investments, turn "dead money" into "living money", and let it increase your profits in circulation.For example, a certain lady can spot the timing of stock trading and make it run healthily. The longer the time goes by, the snowball of money will become bigger and bigger. A woman who knows how to manage money will use the money in her hands wisely.

As the saying goes: "If you have money, don't let it sit for half a year." This is a very philosophical financial management.It clarifies that financial management should use funds reasonably, do everything possible to speed up the turnover of funds working for you in financial management, reduce interest payments, and make the snowball of financial management even bigger. Funds have been mobilized, so how can the money be put on the cutting edge and be used to the greatest extent possible?As a female financial manager, you should pay attention to the following two aspects: Good at analyzing the trend of wealth management products and investing money in projects with high returns.

Women are good at calculating and saving money, depositing money in the bank, the annual interest rate is no more than 10% at most.And investing money in some financial management projects will have greater benefits.They did a fine calculation.If the profit return rate is 10%, and the rolling turnover is 4 times a year, the value-added of 40% can be obtained.If the observation and analysis of the market trend is accurate, each turnover will make a profit of 30% or more. Then, if the turnover is rolled 4 times a year, the profit obtained will exceed 100%.Therefore, many shrewd women will not deposit money in the bank when their funds have a certain scale. Even if they do not find a favorable investment target for a while, they would rather hold the cash and wait for the investment opportunity.

In a society under the market economy system, one of the keys to the success of financial management is the value-added of financial products.Always pay attention to the wealth management market, grasp the timing of the entry and exit of wealth management products, so as to gain the initiative of wealth management.Jiancang savings waiting for appreciation space rather than backlog.According to the principles of marketing, financial managers must do everything possible to grasp the psychological needs of target public consumption in order to achieve the goal of profit. During the entire holding process, they will resolutely refuse to enter when they should not, and are absolutely unambiguous when they should sell.

Maybe we really can't pretend to be noble when it comes to financial management. The key to financial management is participation, but risks are objective and always exist.The ancients said: "Fortune comes with misfortune, and misfortune depends on blessing." The benefits of financial management and the risks of financial management coexist and are directly proportional.How to save the day in the waves of financial management?In addition to sufficient research and analysis, you should properly listen to the opinions of experts, because only when you confirm the returns and benefits of financial products, can you really make a move without fear of action.

Regarding investment and financial management, on the one hand, we emphasize that we must work hard and intensify our efforts. On the other hand, we never forget to remind our female friends that financial management is risky.Financial management is a kind of consumption, and it is also a kind of wise spending. We never advocate getting rich overnight as a miracle of financial management, because we advocate that financial managers manage "wealth" rather than "life". It is a game of wisdom, not a gamble that bets on life.