Chapter 36 Lesson 9 Sharing the Happiness of Being Rich

Women's incorrect shopping psychology and habits are the misfortune of a man's life.Because as the "treasurer" of the family, no one can control the quality of his money. First of all, for those women who like to use brand-name products, men should pay more attention.Because such a woman often wastes a man's life because of her vanity that cannot be filled. We often see some women who pursue fashion and like to use famous brands. They wear famous brands almost from the top of their heads to their toes.And were all those women rich? Certainly not.But they can usually spend a small amount of money, skillfully make the whole body is full of famous brands.

Based on the deep-rooted orientation of famous brands, some people naturally want to make money by its charm, so any famous brand can be seen to be counterfeit.For example, Louis Vuitton's handbag is a very popular brand among women, and there are no less than five or six counterfeit manufacturers.As for the quality and types of counterfeit products, there are also many types. Generally speaking, the price of counterfeit products is about one-tenth of the genuine product. Customers who buy brand-name products at this price know it well. These counterfeit goods make many women who pursue famous brands very proud, especially when they have the opportunity to travel, and when they see cheap famous brand goods, they are afraid that they will lose money if they don’t buy them immediately. This kind of women will not bring men good luck. of.

Secondly, pay more attention to women and men who shop based on sensibility, because most of these women will become producers of commodity garbage at home. There is a saying in Japan - if you are not careful, the money will run away with long legs.Therefore, whether the wives who are in charge of the family's economic power are good at shopping will make a huge difference to the amount of savings. Some husbands complain that their wives lack the concept of money and are not good at managing money.For example, a man often complained about his wife's problems: "My wife has a cheerful personality and is good at cooking, but she likes to buy cheap auction items. Whenever there is an auction or a sale, she buys a lot. Many clothes that have never been worn have been put on the shelf. In the closet, she thought she bought it cheaply, but in fact it was a waste of money! Now, because of her waste, our family’s economy has been in trouble."

In fact, when you go to the auction place, you will probably find a few very cheap and eye-catching products, but other products are not much cheaper than usual. By the way, buy back items that are not cheap to achieve the purpose of sales.It can be said that there are quite a few women who have fallen into the trap of merchants. Most of them are affected by the lively atmosphere on the spot and buy unnecessary items. This is the psychology of most women. There are not many women who have the talent to make good use of big auction opportunities. I advise men, once you encounter them, you should take good care of them. As for women who are keen on auction items and like mail ordering such material desires, be careful, they are easy to ruin. Lose your family's "economic future."

A wife who is good at housekeeping generally has a high interest in life and art of life.The handling of housekeeping is largely a matter of dealing with money. "Living within your income range". This is the highest generalization of the art of housekeeping and financial management as a wife.However, doing this well is not an easy task.Can With that said, there are few things in real life that are more heartbreaking and frustrating than a financial blunder.A wife who spends more than she earns is undoubtedly a muddle-headed, extravagant wife.She will not make her husband happy. Although such consumption of superpowers may make her appearance luxuriously decorated, it will not be attractive.

The wives of modern life face a proportional challenge of buying far less for the same money than they did ten or five years ago.The soaring price of various items, the improvement of living consumption standards, the increase of children's education expenses, etc., all make modern wives spend every penny carefully. Others believe that no matter how much a family's income is, the consumption principle of "spend more if you have money, and spend less if you don't have money" should be followed.It seems that this approach is equivalent to not handling the relationship between income and expenditure, and not using the money where it should be used.This is actually a kind of aimless spending, which is tantamount to letting the butchers, bakers, and fashion merchants share their own money.

Therefore, spending money in a planned and budgetary way should be advocated.Budgeting will tell you to cut back on less important projects and focus money on important things.For example, save a sum of education funds for children, buy houses, pension insurance, and purchase some necessary household appliances, tools, etc. If you haven't developed the habit of planning your money, now is the time to learn how to manage your household finances.It's also an important way to help your husband succeed in his career.If your husband has a considerable income, but spends too much, you should help him tighten his wallet and gradually cultivate the habit of planning his money.

Although you can refer to the family budget plans of other successful wives, the actual situation of each family is different and cannot be copied completely.The plan you make must be yours and unique. Here are a few ideas to help you complete your budget plan and improve your financial art. (1) Record your daily expenses so that you have a clear understanding of your expenses.Analyze what should be spent and what can be saved in these breakdowns, so that you can pay attention to it later.A wife once found out that more than 200 yuan was used to buy snacks when she checked the accounts at the end of the month. This is indeed a large amount when her husband's income is not very substantial.She later changed her snacking habits and saved a considerable amount of money.

(2) List monthly or annual expenditure plans according to the actual needs of the family.First, list the parts that you must spend every month, such as food expenses, utilities, rent, education expenses for children to go to school, medical expenses, clothing expenses, etc.Secondly, plan out the valuables you plan to buy this month or this year, such as cars, color TVs, air conditioners, and so on.One of the most fundamental principles that you must follow when formulating these budgets must be within your income range, otherwise, you should try to reduce those less important spending plans.

(3) Save a certain amount of money for emergencies.Although you, your husband, and your children are safe and sound, and your relatives and friends are also safe and sound, some unexpected disasters may inevitably come at any time.You can't handle these unexpected emergencies if you're spending all your monthly income on expenses.Therefore, it is very important for a family to keep a certain amount of activity funds in case of emergency.If you temporarily borrow money from others, not only can you not guarantee a smooth loan, but you will also owe a lot of favors. (4) Use the remaining money to obtain greater benefits.It has been mentioned above that you need to save part of the money for emergencies. For a family with a higher income, you don’t have to deposit all the remaining money in the bank, because the bank’s interest is too little after all.You can use the money to invest in some profitable business activities; or buy a house and rent it out to others for rent; or start a deli or specialty grocery store and hire one or two smart people to run it , In this way, greater profits can also be obtained, and the goal of making money from money can be achieved.

Financial problems are problems that every family encounters every day.Now, most of the wives hold the economic power of the family.Women know how to be in charge of the house carefully, and have a comprehensive understanding of family expenses. There are many conveniences in being in charge of financial management.However, there are also quite a few couples who do not negotiate and have frictions on financial issues. In some "wife-controlled" families, the man secretly built a "small treasury".In this way, there will be more troubles.The husband is worried all day, for fear that his wife will find out the secret.If the wife turns a blind eye and closes one eye, nothing will happen.want If the wife is shrewd and not tolerant, it is inevitable that "disasters will cause Xiaoqiang".First, I suspected that my husband was having an affair or had given money to his in-laws, and there were constant quarrels.Then you keep one hand and I keep one hand.The result is that as much money is withheld, so much emotion is withheld, and the husband and wife share the same bed with different dreams.Husband and wife each accumulate "private money", some are emotionally discordant and have their own way out; some are supporting their parents and have different opinions; some are family consumption and each has their own interests; etc.No matter what the reason is, there is only one thing in common, that is, the family has a weak sense of responsibility, and they do not truly regard the family as a whole and fully integrate themselves into it.On the surface, the "small treasury" left by the husband and wife is a matter of money, but in fact it is a destructive accumulation of emotional rifts.Family disputes caused by financial problems, air tension, worry all day long, sneaking around, what family happiness can there be? Husband and wife should respect each other and treat each other with sincerity, family finances should be open, and finances should be negotiated and handled. Not long after a couple of young people got married, the wife suddenly proposed to take charge of all the finances, but the husband did not express his opinion after hearing this.When he went home the next day, he bought a few catties of fruit that his wife liked to eat. Taking advantage of his wife's happiness, he said to his wife, "Tell me, I bought fruit for you or you bought it for yourself. Which way would you be happier?" "Of course you bought it for me!" "If I hand in all the money, how can I show my concern for you?" The way of financial management combining "closed". In real life, the couples in most families are working-class, and they should do what they can to buy household items, and the ratio of savings and investment should also reach a consensus.Couples who are good at managing money and housekeeping will have a good family life; couples who are not good at managing money will have conflicts in family life and often argue over this issue. Although there are diversified options for family financial management models, there is generally one "head of the family".The ideal way is: the daily expenses are under the control of the family members, and the other party can assist them, and they cannot do it for them.Being a family member can be changed, whoever is willing to be whoever is, whoever is a good person will be.In this way, the couple can avoid the "economic crisis" brought about by the "liberalization" that takes money as they please, and also avoids the conflict between husband and wife caused by the "dictatorship" of one party's monopoly of financial power. After getting married, you will live with your lover, you will live under the same roof, sleep in the same bed, and build your common love nest together.No matter whether you held a grand wedding or wore a beautiful wedding dress, after marriage, you should get along together, live under the same sky, spend most of your life together, and usually exchange ideas and To deal with some daily affairs or emergencies together, but how to deal with money? When it comes to financial matters, figure out when the "what's mine is yours" rule applies and when you need Maintaining personal private space is the most basic and important for every couple. Due to differences in values ​​and consumption habits, in life, every couple will find that there will be some contradictions and frictions between "mine is yours" and maintaining personal private space. If one of the husband and wife is very frugal, while the other spends money like water, then it will be very difficult to achieve "what's mine is yours", and the contradictions between them can be imagined. To keep your marriage moving forward, your finances in order, and other things in order, the key is to focus on your mutual communication. When discussing money issues between husband and wife, they should be completely clear-headed and very Calm, not when you are in a bad mood or when you are irritable waiting.Here are some good rules for dealing with "what's mine is yours" This problem does not harm the personal space of the individual. 1 The head of the family from the time of love When the two parties establish a love relationship, they should understand each other's family economic situation, so as to arrange early financial support for their respective parents or families in the future. 2. Build a Family Fund Any couple should be aware that starting a family will have some of the day-to-day expenses such as monthly rent, utilities, gas, insurance policies, grocery bills and any expenses related to children or pets, etc., which should be managed through a common savings account. pay. Depending on how much the couple earns, each should contribute a fair share to this common account.In order for this public fund to work well, there must also be some fixed arrangement whereby the husband and wife may regularly replenish the fund and use it wisely. Your respect for this joint account reflects the respect you have for your marital relationship.Be careful not to use this money indiscriminately, instead, try to save it as much as possible, and you have to realize that this money is an investment in your future life together. 3. Monitor Your Joint Financial Spending Often, one of the couple will act as the family treasurer and run the household expenses because she or he has relatively more spare time or is more willing to take on the job.However, this does not mean that the other person knows nothing about the financial situation of the family and cannot ask. Experts suggest that one person pays the bills, while the other checks the household accounts once a month to balance the family's income and expenses. Doing so can give both people a sense of equal economic status in the family. In addition, try to sit down and talk every month, conduct a summary, and discuss some adjustments to consumption. For example, you can discuss cutting extra expenses or make plans to save money on buying big-ticket items. 4 stay independent It's the 21st century and independence is the rule of the game.Many financial advisors agree that all individuals should have their own personal account, at their own discretion, which can be viewed as an adult need. This arrangement allows you to do what you want, such as you can play golf every week, and he can play with his favorite tools.This is the best way to avoid strife and to spend your own discretionary income without feeling dependent or held back. Note, however, that you should still record your spending truthfully and be open and honest with each other just as you would about anything else.You need to think of your lover as your friend, not your enemy; as your financial advisor who wants to help you, not as a disciplinary officer who wants to spank your ass. 5 Take out life insurance Everyone should have life insurance so that if something unfortunate happens to one partner, the other has some protection, at least financially.You can buy an easy-to-understand policy and learn more about the details of the plan.If you have insurance before marrying your lover, remember to make your lover the beneficiary of your insurance, because this designation overrides any will. 6. Build a Retirement Fund Women generally live longer than men, and you are going to live a very, very long time, but maybe your spouse doesn't live as long as you.For this reason, the two of you should have your own retirement plans, either in the form of IRAs or pension plans that make your spouse the beneficiary of your retirement funds. 7. Saving private money Despite your best efforts to avoid this from happening, there may come a day when you have to admit that your love has come to an end and your marriage is over. Many financial experts recommend that women, in particular, should save money to use it through the worst times of your life.Depending on what you can afford, you may or may not tell your spouse about this self-defense fund; if you tell your spouse, you should describe it as an emergency fund to make you feel safe, not in " squeeze your husband" money. A man who cares about pennies and pennies will make women feel disappointed, and will also make men feel contemptuous.In other words, how can a man who is unwilling to give even money give emotion? But the "memory" of the wallet is limited, while the expenses are infinite.If you want to be an acceptable "playboy", you can't spend money recklessly, but you should formulate spending strategies according to your own financial situation. Strategy 1: thick accumulation and thin hairstyle Some men usually have no chance or condition to show his generosity and generosity, but in desperation, they can only save money secretly, so that good steel can be used wisely. Once they have the opportunity and conditions, they will spend enough for women at once.Let the woman experience the momentary dizziness in the plain rhythm, and feel that she is the happiest woman in the world at that moment, and has the most generous love from a man.The usual timidity is only for the concentrated investment at this critical moment.Let me love as much as I can, let you spend as much as I want. Strategy 2: Thin water and long flow Under the same conditions, some men show delicacy and tenderness, without the majestic momentum of ups and downs, without the finishing touch, and some are everywhere.Maybe there has never been any particularly expensive and outstanding dedication, and it doesn't matter if it lasts forever.A card, an exquisite handicraft... Let the woman feel his thoughtfulness every moment, every little investment is like a soft whisper in the ear, making the woman ecstatic.This kind of man spends money in a steady stream, and his love lasts forever. Strategy 3: Prudent and intelligent Some men never show off every penny they spend for women. They always pay the bill before the woman knows it. You will never see him show the money in front of the woman.From their mouths, women rarely hear the word money, which is a noble and extraordinary temperament.Even though they are average people financially, they look richer than they really are.This kind of man is often deep, wise, and steady, and their love is heavy, never flashy or trivial.On the issue of spending money for women, they always do it naturally and logically, without making a fuss, and without deliberately emphasizing anything.Everything is controlled by them in a very measured manner. It seems that there is no process of spending money, only the fact that women feel comfortable and calm.With this kind of man, a woman only has love in her eyes, only deep affection, only a sense of security and the mellow fragrance of old wine. Strategy Four: Dramatic Creativity Which woman does not want dramatic emotions and the kind of heart-pounding surprises, talented and talented men often spend money in unexpected ways, and the money gets twice the result with half the effort.In their view, spending money is a kind of wisdom, a kind of creativity, and a kind of performance art.Maybe he will travel across cities and provinces just to buy back the little bear toy that she lost when she was a child for more than a dozen dollars; maybe he will ask a violinist to play in front of the woman's window, so that the beautiful notes will be plucked The heartstrings of a woman; maybe he will give her a lively and lovely pet to accompany her when she is alone; maybe he can't afford ninety-nine roses, but he will buy ninety-nine candles and put them in front of her, In the hazy moonlight, they made a huge heart shape, and then lit candles one by one... It is a phenomenon worth discussing that men keep private money, and it is something that wives especially need to understand.In many families, the wife is often the head of the house, in charge of financial power, and likes to exercise economic control over her husband.In fact, this kind of "control" often has two purposes: first, it is to restrict the husband from having sex with others;So I feel that once the economic lifeline is stuck, it seems that my husband will be honest.This is actually a very stupid idea.And, it will have the opposite effect.Therefore, even if you find out that your husband has a little "private money" and a "small treasury", you should not feel that great. You must carefully analyze the specific situation of the man's private money. (1) The life of the parents is difficult, or the parents are sick, or the younger siblings need money to go to school. I really want to help the family, but I am afraid that my lover will disagree, so I secretly save a few small money to supplement the family.In such a situation, you should be considerate of your husband's feelings.When there are difficulties in the family, how can children stand idly by? Parents have raised their children, and children must honor their parents and support them.If you did not express your opposition to your husband supporting the family, but your husband did it without telling you, it is your husband's fault. But there is no need to quarrel with him, but you should first clarify your point of view, and then point out the "little treasury" thing.At this time, the husband will feel embarrassed.If you have had a dispute with your husband about similar things in the past, you should check yourself and offer some help to your husband's family in the future.As a result, your husband is not only happy with your change, but also no longer has to secretly save money. (2) When you spend money, you are lavish and lack long-term plans. You often rush month after month, leaving no penny left.But the husband really wants to save some money to buy some things for the family, but he is afraid that you will not be able to save enough, so he can only secretly set up a "small treasury" and use it to modernize the family.If this is the case, you can't ask about the "little treasury". As long as it does not affect normal living expenses, you should pay attention to savings.When your husband sees that you want to be with him, there is no need to secretly save money. (3) The husband has certain hobbies, such as smoking, drinking, growing flowers, and raising fish... But you strongly oppose it and implement an economic blockade in order to get rid of your husband's hobbies.However, the husband refused to change his habits, and even set up a "small treasury" to make it convenient for him to use the money.In this case, you don't have to get angry, but reason with your husband and point out the harm of certain hobbies.But an economic blockade must not be implemented. This will not solve the problem fundamentally, and it will make him even more reckless when saving money.In addition, you cannot object to some of your husband's hobbies.For example, raising some flowers, grasses, insects and fish properly can not only beautify the environment, but also cultivate one's temperament.If you are magnanimous on these issues and don't embarrass your husband, there will be no point in saving your husband's money. (4) The relationship between the husband and wife is very bad, and they seem to be in harmony with each other, and save money in private to keep a backup. This situation can only be solved by improving the relationship between husband and wife. In fact, for a wife with a small mind, she can be happy about it, instead of getting into a dead end.In fact, in the past, it was often the wife who left private money to prevent her husband from abandoning her or encountering an accident, but now the husband also keeps "private money", which just shows that women's status has been improved.This should make you happy! However, it cannot be ruled out that some husbands leave "private money", maybe they are looking for flowers and friends outside, and fooling around with their lovers.However, it is impossible to put an end to this kind of behavior by economic means.From another point of view, if the husband keeps a little private money in his hand, he will not conflict with his wife on some small expenses. Many people in life often say: "Money is the root of all evil." Indeed, there are many pitfalls for those who try to make a fortune overnight by fraud, no doubt about it. Most people let their fear and greed get the better of them, and that is the beginning of ignorance.Because of fear or greed, most people live in earning wages, salary increases, and labor protection, without asking where the life path of this emotion-dominated thought leads.It's like a painting: the donkey is pulling the cart because the driver put a carrot in front of its nose.The driver knows where to drive his cart, but the donkey is only chasing an illusion.But the next day the donkey would still pull the cart, because another carrot was put in front of the donkey.Reinforcing fears and desires is a sign of ignorance, which is why many wealthy people often fear.Money is a carrot is an illusion.If the donkey could see the whole image, it might rethink whether to go after the carrot.Successful people know that money is an illusion, like a donkey's carrot.It is because of fear and greed that countless people hold this illusion and think it is real. Some people go to college and get a good education, so they can get a high-paying job.He got it too, but he was stuck with money because he never learned about money in school.And the biggest problem is that he believes that work is all about money.It is out of fear that most people are afraid of losing their jobs, of not being able to pay their bills, of being exposed to natural disasters, of not having enough money, of going hungry, and most people expect a stable job.In order to seek stability, they will study a certain profession, or do business, and work desperately for money. Most people become slaves to money. Money comes and goes, but if you understand how it works, you have the power to harness it and start building wealth.The reason why they just want to stop doing it is that most people have not grasped the real law of money operation after receiving school education, so they have been working for money all their lives. In the modern society both husband and wife work and are content with two incomes.Feeling successful and bright, they decide to buy a house, a car, take a vacation and have a baby.So here comes the problem: a lot of money is needed.So I started working harder, looking for promotions and raises.Get more training so they can make more money.Their income has gone up, but at the same time their spending has gone up.They get big paychecks and wonder where the money is going.They keep working for the boss of the company, but what awaits them is more and more debts and collection notes, so they work harder, get more debts, and fall into the vicious circle of financial stress. They then advise their children to study hard, get good grades, and find a secure job or career.They work hard all their lives, but then the process repeats itself in their next generation.One expert pointed out that this is called "rat race".He pointed out: Once people are exhausted all day long to pay the bills of life, they will be the same as those little mice running around in small iron cages.The faster the mouse's little hairy legs kicked, the faster the small iron cage turned, but when they woke up the next morning, they found that they were still trapped in the mouse cage. Many people are afraid of not having money and are unwilling to face their fear of not having it, to which they react without thinking.They will go and earn a little money, but then pleasure, lust, greed will come and control them, and they will react again, still without thinking.They get scared, so they go to work, hoping that money will take away the fear, but money won't take away the fear.So, fear chased them, and they had to go to work again, but the money still couldn't get rid of the fear.In fact, many people get rich not because of desire but because of fear. They think that money can eliminate the fear of being without money and being poor. So they accumulate a lot of money, but they find that the fear is stronger, and they are more afraid. lose money.There are some people who are already rich but are still working like hell, and some millionaires are even more afraid than they were when they were poor.This fear makes life very bad for them, and their weak and impoverished side is always screaming: I don't want to lose the good life that my house, car, and money have brought me.They even worry about what their friends will say if they run out of money.Many people become hopeless and neurotic, despite their wealth. Fear leads them into the trap of working, making money—working—making money, in the hope that one day the fear will be eradicated.But every day when they wake up, they find that fear has woken up with them again.Fear is keeping thousands of people awake at night with worries.So, they get up and go to work again, hoping the paycheck will kill that damn fear.Money rules their lives, they refuse to discern the truth, money controls their emotions and souls. In addition to fear, there is another emotion in the world: desire, some people call it greed. It is quite normal to want something better, prettier, more interesting or exciting.Therefore, people always end up working for money in order to realize their desires. Fear and desire are two emotions that can lead you into the greatest trap of your life.If you allow them to control your mind, you will live your life in fear, which is cruel.Working for money, thinking that money will buy you happiness, is also cruel.Waking up in the middle of the night thinking about bills to pay is a horrible way to live, living by how much you pay is not really living.These are brutal.Do your best to avoid these pitfalls, if possible, don't let these problems happen to you, don't let money rule your life.