How to become a richer person?

If you want to succeed, you must know and use three skills.

1. Time management?

Where is your time, where is your achievement. ?

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Taking an hour as a person of 60 minutes is more efficient than taking an hour as a person of 60 times. ?

"People who are not good at controlling time often feel that time is not enough." This sentence is very reasonable, but how can we make good use of time? This is a question that time management experts have tried to answer in the past decade. The following are some of my experiences in using time for your reference:

Get to the point. There is only one focus at a time, and only one thing at a time. Smart people should learn to grasp the key points, solve important problems first, and then solve secondary problems. ?

Use the 80/20 principle well. That is, put your energy in the most effective place. ?

William moore, an American entrepreneur, earned only $ 160 in the first month when he sold coatings for Glidden Company. He carefully analyzed his sales chart and found that 80% of his income came from 20% of his customers, but he spent the same time with all his customers. Therefore, he asked to reassign his 36 least active customers to other salespeople, while he focused on the most promising customers. Soon, his monthly income was 1000 dollars. Moore never gave up this principle, which eventually made him the chairman of Kelly Moore Coatings Company. ?

A time waster wastes a lot of money, tables and figures. This method was recommended to me by Mr Wang Zhongqiu a long time ago, and I think it is very effective. Many letters and forms can be pre-tabulated and digitized with the help of computers, and can be output in just a few minutes. ?

Taking an hour as a person of 60 minutes is more efficient than taking an hour as a person of 60 times. Operate immediately. Many people are used to "waiting for the right time", that is, spending a lot of time to "get into the state". In fact, the state has been completed, not waiting. ?

Learn to say that you don't learn to grasp time, limit the time of unnecessary meetings, and don't stay in unnecessary places for too long. Learning to refuse is also part of freedom. ?

Improve call efficiency. Try to communicate, communicate and exchange information by telephone. Be prepared before making a phone call and come straight to the point when you speak; During working hours, don't convey irrelevant information and feelings on the phone. ?

The concept of cost. Don't do things like "you get what you want for a few hours", such as waiting in line for half an hour to save two yuan, walking three stops to save two cents and so on. This is very uneconomical. Treat time like business, and always have a concept of "cost". ?

Friends should also have a sense of time in their communication. Communicate with people and companies with a sense of time. ?

Avoid unnecessary arguments. Unnecessary quarrels not only affect emotions and interpersonal relationships, but also waste a lot of time, and finally can't solve any problems. If there are problems that can't be solved temporarily, you can put them aside and discuss them later. ?

Learn to use your spare time. Many people don't regard the dribs and drabs in life as time, which is meaningless waste. In fact, although this time is short, we can make full use of it to do something. For example, when waiting for the bus, you can think about your next job, read newspapers and read books for a while. ?

These are just some of my experiences in using time, but I think every successful person has his own way of using time. There are many methods, there is no difference between good and bad, just a question of whether it is suitable for you. ?

There are always 40 questions in the following time self-test table. This is the "effective time management criterion" advocated by management experts. Everyone who wants to succeed before the age of 35 should take a self-test according to this test form at least once every six months in order to make the most effective use of time. ?

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1. Have I set a clear set of long-term, medium-term and short-term goals?

Do I have a clear idea about what to do next week?

3. Have I worked out the working order of a working day before it starts?

4. Do I prioritize according to the importance of facts rather than the urgency?

5. Do I focus on the goal rather than the process? Is my self-evaluation based on performance rather than activities?

6. Did I do something important in an effective time?

In a person's decades of life, there is really little time to be a real person and do things, and no matter how hard people work, they only do one third. 7. Did I do anything today to achieve long-term, medium-term or short-term goals?

8. Do I reserve a small amount of time every day to make plans and think about work-related issues?

9. Do I make full use of my commuting time?

10. Do I deliberately reduce my lunch intake to avoid dozing off in the afternoon?

1 1. Have I made loose arrangements for my work and rest so that I can have time to deal with unexpected crises and accidents?

12. Do I try to delegate my work to others?

13. Do I delegate challenging work and daily work to others?

14. Am I authorized according to the principle of "commensurate responsibilities"?

15. Do I intend to prevent my subordinates from "anti-authorizing" the work they find difficult or impatient?

16. Do I effectively use the assistance of my subordinates to better grasp the time and avoid becoming a bottleneck for wasting my subordinates' time?

17. Have I taken some measures to prevent some useless materials and publications from being put on my desk and taking up my time?

18. When I have a choice, do I try to handle things by phone or in person, and only use written communication when it is inevitable?

19. Except in special circumstances, do I try to ignore my work after work?

20. If it is necessary to work overtime, and I can freely choose overtime hours, would I rather go to work early than delay my work?

2 1. Do I force myself to make some small decisions quickly?

22. Do I participate in decision-making as soon as I get key information?

23. Am I always alert to the cyclical crisis and take action to stop it?

24. Do I often set deadlines for myself and others to finish my work?

25. Have I recently terminated any unprofitable daily work or activities?

26. Do I put something in my pocket or handbag and take it out in my spare time (such as in the waiting room, on the train or on the plane)?

27. When I am faced with many problems that need to be solved, do I apply the "80/20 principle" (that is, only 20% of the important problems are mastered and 80% of the unimportant problems are not bound)?

28. Can I really control my time? Do my actions depend on myself, not the environment or the priorities of others?

29. Do I want to process each file only once?

30. Am I actively trying to avoid constant interference (such as visitors, meetings, telephone calls, etc.)? ) interfere with my daily work?

3 1. Do I try to face the reality and think about what needs to be done now, instead of recalling the success or failure of the past or worrying about everything in the future?

32. Have I kept the monetary value of time in mind?

33. Do I spare some time to provide training for my subordinates?

Time is equal to everyone, but the value of time in everyone's hands is different. 34. Did I try to put my mobile phones together? Have you prepared the relevant information before calling?

35. Do I have a system to handle all kinds of documents?

36. Do I sometimes adopt the policy of "behind closed doors" to avoid interference from others in my work?

37. At the end of the day, did I ask myself: What work can't be carried out as planned? What is the reason why it can't be carried out as planned? How to remedy it later?

Before I prepare for the meeting, should I explore various feasible methods to replace the meeting?

39. Do I emphasize the skills to improve the efficiency and effectiveness of the meeting?

40. Do I regularly check my time management style to determine whether I have repeated various time traps in the past? 2. Jean Qian Shengqian?

If you don't manage your money, money will ignore you. ?

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In the era of planned economy, money is an evasive topic. People don't earn much money, and it makes no difference. There is no concept of financial management at all. However, in the era of market economy, the situation has changed. Money is not only the embodiment of human value, but also the premise of human life. At present, there is a popular saying: no illness, no money. ?

So, how much does a person earn and spend in his life? Someone has done a statistic:?

Suppose you don't buy beautiful clothes, go out to eat, travel, buy a house, watch movies, listen to music, play computer, socialize, support the elderly, get married, have children, and of course get sick. And all the necessities of life are discarded as luxuries, only three meals a day, a small room and some clothes out of season are used to keep warm and hide shame. Do you think 400 yuan RMB is enough every month? ?

From birth to adulthood 18 years, we were taken care of by our elders; If we are lucky enough to work until we are 60, then these 42 years are to prepare for the future; In the 20 years from the age of 60 to the age of 80, if calculated according to the above-mentioned monthly living standard in 400 yuan, there should be a pension reserve of 96,000 yuan, not counting the spending period over 80. Then we will know how much money we have made. On the premise that the currency is stable and there is no inflation, our monthly income of 1000 yuan is enough just to survive. Among them, 400 yuan is used for present expenses, 400 yuan is reserved for providing for the aged, and 200 yuan is used for medical treatment in old age, because diseases will visit you frequently at that time. ?

If you are full of fear about the living standard of 400 yuan, if you still feel that spending 2000 yuan a month is not enough, then your future life will be based on this. Now you have to earn 40005000 a month; If you plan to go abroad for further study, investment or travel, then this figure is far from enough. ?

If you don't manage your money, money will ignore you. As a successful person, a basic criterion is not to worry about money. Instead of worrying about money, we must learn to let Qian Shengqian, which is what we call financial management. ?

There is a wonderful story in the Bible: when a master wants to go abroad, he calls his servants and gives them money "according to his ability", five thousand for one person, two thousand for another and one thousand for another. The servant who received 5 thousand immediately took money to do business and earned 5 thousand again; The servant who received two thousand also earned two thousand; The servant who received 1000 buried the silver in the ground. ?

After a while, the master came back to settle accounts with them. Servants who receive 5000 and 2000 yuan are treated by their owners and given extra tasks because they have increased their wealth. The servant who received 1000 was scolded by his master: "you are an evil and lazy servant!" Even if you give the money to the money changer, you can get it back with interest. " The master recovered 1200 silver and gave it to the servant who earned the most. ?

This story tells a truth, that is, investment comes first and savings comes second. In this case, 5000, 2000 and 1000 represent different operation modes. What kind do you belong to? I hope you're not the kind of person who buries money in the ground. ?

There is another story in Aesop's Fables:?

A man buried gold under a tree in the garden and dug it out every week to indulge in it. However, one day, his gold was stolen by a thief. The thief was in great pain. Neighbors came to see him. When they knew what had happened, they asked him, "Have you never spent this money?" "no! I just look at it every time. " The neighbor told him, "It makes no difference whether the money is given to you or not." ?

This fable tells people a truth: idle wealth equals zero. It can be seen that without the concept of financial management, excessive savings are abandoned as well as excessive consumption. ?

In the East, people pay great attention to thrift, and the consciousness of saving money is stronger than that of making money. But in the west, investment is more popular than saving. Bob's life experience is a model of family investment and financial management. ?

Bob is an engineer in Boeing Company. Since the age of 26, he has invested 20% of his monthly salary in the same fund. Although this kind of fund is risky, its annual income is high. Since 1934, the average annual income of such funds is about 13%. The quantum fund of internationally renowned speculator Soros also belongs to this kind of fund. By the age of 35, he had already opened a chain store with others, and his income was considerable. When he was in his forties, he began to seek stability. He took out the money he had invested in the same fund and invested it in an unmanaged stock index fund, with an annual yield of about 10%. Bob only uses 10% for bank savings, because the interest rate of American banks is 3% to 6% for a long time, which is far lower than other investment methods. Bob is 49 years old and is expected to retire at 60. At present, he is going to start spending 20% of his income on pension preparation, which, together with the money he earned from his past investments, is enough to leave a considerable sum of money for his retirement. ?

The rich need to manage money, the poor need to manage money, and wealth can produce wealth. In a society dominated by capital operation, one must develop good financial habits, formulate a sound financial plan, and make the best use of every penny through careful operation. Today's savings are the start-up funds for starting a business tomorrow. Be kind to your own money. ?

The rich need to manage money, the poor need to manage money, and wealth can produce wealth. If you want to succeed, you should learn to manage money and develop good financial habits at least when you are young. Here are some ways to manage money:

Managing family fortune with "the philosophy of wheat ears"

Three disciples of Socrates, the ancient Greek philosophy tutor, once asked the teacher how to find the ideal partner. Socrates did not answer directly, but took his disciples to a wheat field. When they walked through the wheat field, everyone picked the biggest ear of wheat. They couldn't go back, they could only pick one. ?

One of the two apprentices picked what he thought was the biggest ear of wheat just after a few steps, and found that there were bigger ones behind; The second disciple kept looking around, picking things up from east to west, until he finally found that the biggest ear of wheat in front had missed it. The third disciple learned the contents of the first two lessons. When he walked 1/3, he divided the ears of wheat into three types: large, medium and small. Then he goes to 1/3 to verify whether it is correct. Finally, when he walked 1/3, he chose a beautiful ear of wheat belonging to a large category. ?

Live within your means?

1960, when Hanto and Georgina came to America from Cuba, they were penniless. 1966 They became journalists after graduating from college. Their strategy of getting rich is to save every penny. Since bank deposits are calculated according to compound interest, the couple go to the bank to deposit money on time every month. Their life is very frugal. They often buy discounted goods. They often cut off discount coupons from newspapers to buy cheap things and take lunch boxes to work. A few years later, they saved most of their income. It was not until 1987 that they put 1250 into the same fund, and eight years later they became millionaires. ?

Don't get into debt?

With the introduction of the concept of early consumption abroad, banks vigorously promote mortgage loans such as houses and cars. Faced with this temptation, some young people find it difficult to control themselves. As a result, they spend in advance and owe debts, not only paying high interest, but also bearing a heavy burden. In America, 70% of millionaires have no debt at all. They know that every interest payment of $65,438+0 will reduce the funds available for investment by $65,438+0. Therefore, the houses and cars they buy must be affordable and economically sufficient. ?

Be cautious about famous brands?

Although famous brand products are attractive, they cost a lot of money. If you want to buy them, you should wait until your price goes up. When you are young, you should spend your main money on investment, not on showing off that has nothing to do with financial management. ?

"3222 1" portfolio investment?

Save 30% of personal savings for future use; 20% is used to buy bonds to increase income; 20% is used to buy stocks to seek high profits; 20% is used to increase the value of investment collection; 10% is used to buy insurance in case of accidents. ?

Investing by age?

There is an empirical formula of "100 minus the current age": if you are 60 years old, you should invest at least 40% of your funds in the stock market, stock funds or other investment products; If you are 30 years old, you should invest at least 70%. Why? 20 to 30 years old, because retirement is still far away and the risk tolerance is the strongest, you can adopt the active growth investment model. Although it is not easy to have money to invest in this period because of preparing for marriage, buying a house and buying durable necessities, we should try our best to invest. According to the formula of "100 minus current age", you can invest 70% to 80% of your own funds in various channels. ?

It's hard to get wealth, it's harder to keep it, and it's harder to use it wisely. Saving is always right?

Please remember that every dollar saved today and wise investment will bring you rich returns in the future. Deposit 10 yuan every day, and invest with an annual income of 20%. After 20 years, you will get a return of 10 million yuan. ?

In personal finance, we should avoid the following misunderstandings:

Blind conformity?

Some investors know little about a certain investment method. When they see others make money by investing, they invest with the mentality that "others can make money, so can I". As a result, they not only failed to make money, but also lost money. Therefore, investors must carefully analyze the investment projects, look at the market and then make moves to avoid following suit. ?

Covet high interest rates?

At present, some criminals use high interest rates to cheat money, and some investors invest blindly because of high interest rates. As a result, not only did you not get interest, but you even lost money. Therefore, investors must be vigilant and not be tempted by high interest rates. ?

Borrowing money for stock trading?

There is a famous saying in the stock market: "Borrowing money for stock trading is tantamount to suicide." Because it is not idle funds, it is difficult to maintain a good investment mentality and wait for the best profit opportunity. Once the stock market plummets, people who borrow money for stock trading have to be forced to lighten their positions and become victims of the stock market. ?

Loan profit?

Some investors saw the bank cut the deposit interest rate several times in a row, and felt that savings deposits were unprofitable, so they took out their deposits for private lending to obtain high profits. At present, although the interest of private lending is high, due to the nonstandard private lending and the lack of necessary notarization and legal protection, once a dispute occurs, the rights and interests of creditors will inevitably be infringed. Many investors lost money. ?

The secret of financial management = the idea of being one step ahead+the mentality of accepting when it is good. 3. Is there any way to start a career?

Only by starting a career can we settle down. ?

(1) Are you afraid of starting a business?

A successful person must have the belief of making the first pot of gold. ?

A successful person must have the belief of making the first pot of gold. Wealth can be accumulated through the investment and operation of small capital. Entrepreneurs with small capital can also become big winners with millions of wealth one day in the future, as long as you work hard and persist. ?

Two people who are also eager for wealth have different fates after three years. A person is confident and brave, starting from small things, persevering, and fighting big with small ones. Three years later, he had a fortune of several hundred thousand yuan. The other, because he felt that his capital was small, he felt inferior and didn't take positive action, but he just lost himself in fantasy to kill time. Three years later, he is still him, making money is still a dream. ?

Dell, one of the world's top 500 companies, started its business with only $65,438+0,000 yuan of capital. When Bill Gates, whose personal wealth ranks first in the world, started his business, he only invested $65,438+$0,000. It's not that the capital is small. As long as it is done well, every small business contains unlimited business opportunities, and every little thing contains the seeds of great achievements. Sichuan migrant workers have opened new markets with salted eggs in many cities across the country, which is an example. ?

Entrepreneurship is not afraid of small. After the Spring Festival in 2002, some Sichuanese used mobile sales to sell salted eggs in some large and small cities. Everyone is pushing a homemade trolley. The trolley is very simple. There is a board on the four small wheels, and there is a big aluminum pot on the board. There are hot eggs smoking in the pot, walking around the streets, shouting "authentic salted eggs, three for one dollar, and the taste is particularly good" with a Sichuan accent. It is such an inconspicuous model that this feature has gradually become as famous as Xinjiang mutton kebabs, and has expanded rapidly throughout the country. Thousands of people are engaged in Sichuan authentic salted eggs all over the country. ?

Small businesses have created miracles. The start-up cost of these people is only about 200 yuan, but many people can sell hundreds of eggs a day, and even more than 1000 eggs near tourist areas, each with a profit of only a few cents, but they can earn more than 30 yuan to 1000 yuan a day, with little risk. ?

Don't think that starting a business must have a lot of money. Although money is very important, you need the mind and spirit of an entrepreneur. ?

(2) Open a store?

No money is not terrible, as long as you have the motivation to make money, you will succeed one day. ?

No money is not terrible, as long as you have the motivation to make money, you will succeed one day. Many people don't want to embark on the road of breaking into the world alone on the pretext of starting a business without money, but in fact, some businesses don't need much money as long as you want to do it. The following small specialty stores are all small businesses, with less investment and easy implementation. You can choose one of them to try according to your hobbies and specialties. ?

Books, right?

Antique bookstore?

Book rental?

Run an old newsstand?

Set up a student book trading center?

Run a gift bookstore?

Run a best-selling bookstore

Run an exam bookstore?

Run a professional bookstore?

Specializing in wood carving crafts?

Selling stone carving crafts?

Engaged in painting services?

Engaged in art rental services?

Establish a folk handicraft shop?

Specialized in creative stationery?

Open a cultural service organization?

Drive translation agency?

Managing manuscripts?

Running a family nursery?

Being a surrogate mother?

Engaged in toy maintenance?

Make unique dolls for sale?

Specializing in children's fashion?

Monopoly of baby products?

Run a kindergarten for the mentally retarded?

Open a professional women's club?

Recommended by business female models?

Open a women's bookstore?

Open a fashion recycling store?

Engaged in mobile phone beauty and hairdressing services?

Open a single women's supplies center?

Hold a cross-dressing class?

Engaged in elderly care services?

Children photography?

Children's vision care Agency?

Funeral service?

Flower shop?

Home care company?

Entrepreneurship is not afraid of small. Manicure?

Dessert house?

Bakery?

Soup shop?

Shaved ice cold drinks shop.

Provide home cleaning service?

Open a gas and liquefied gas stove repair shop?

Create various computer network "databases"?

Establish a library of classified policies and regulations?

Cutting data for profit?

Selling information to civilians?

As a business consultant?

Provide life counseling services?

Provide professional computer services?

Grow turf to make money?

Open a psychological counseling clinic?

Digital synthesis studio?

Computer doctor hotline for decoration supervision?

Patent agency?

Investigating companies?

Clothing advisory center?

Mail order company?

Courier company?

Home appliance repair?

Computer art photo shop?

Old consignment shop?

How about opening a military fan?

Establish an "oxygen center"

Build a retro nostalgic store?

Open a bar with high taste?

Open an artificial fish pond?

Open a fishing gear shop?

Making pet products for sale?

Set up a pet beauty care center?

Open a happy commodity trading center?

Open a stamp agency?

National clothing store?

Fat fashion shop?

Disabled goods store?

Humor shop?

Adult toy store?

A defective shop?

Graduation consumption?

Idol boutique?

Folk handicraft shop?

Are plants and flowers ok?

(3) Open a franchise store?

Opening franchise stores has increasingly become a way of capital expansion and a good way to get rich. It doesn't need you to think about decoration or publicity. Just follow the pattern created by others, and before the age of 35, it is also a successful method. ?

In the United States, the success rate of opening a store was investigated. The results show that about 80% of successful people have entered the franchise system, and 20% are independent. In the United States, the success rate of opening a store was investigated. The results show that about 80% of successful people have entered the franchise system, and 20% are independent. It can be seen that joining a company is more likely to succeed than operating alone. ?

(4) do business that others don't want to do?

One disadvantage of doing business in China is that everything is done in a hurry. In this way, not only individuals can't make money, but even the whole industry may be destroyed. The hula hoop in its heyday disappeared without a trace, which is a good example. Now the loss of the whole washing machine industry is also a painful lesson. A shrewd investor should be good at discovering new business opportunities and doing business that others don't want to do. ?

A small businessman in Florida noticed that mothers with heavy housework often rushed to the streets to buy diapers for their babies, so he had a brainwave and thought of starting a company called diapers. It is nothing new to send diapers to your door, but no store is willing to do it because of the meager profit. In order to do this small-scale business well, we can only be cautious. The small businessman hired college students, the cheapest labor force in America, and let them use bicycles, the cheapest means of transportation. He also expanded the service of delivering diapers to deliver baby medicines, toys and various baby products and foods at the same time, and only charged a service fee of 15%. Therefore, his business is thriving. ?

(5) Can a part-time job be an "emperor"?

Now with the gradual maturity of the market economy, it is more and more difficult to start a business. When friends meet, they all say that business is getting worse. In this case, part-time job is a realistic choice. ?

Some people may ask, "Can work make you a millionaire or a multimillionaire?" Many people have doubts about this, but the real working aristocrats have quietly realized their dreams of success and wealth. For example, john Chambers, CEO of Cisco Systems, earned $65,438+54 million per year in 200/kloc-0, and was awarded the title of "working emperor" in the United States. ?

In the issue 10 of 2002, Oriental Entrepreneur magazine published the top 10 in the annual salary ranking of "working emperors" in Hong Kong. The following is the ranking list:

1.Yuan Tianfan, vice chairman of PCCW, has an annual salary of HK$ 280 million?

2. Peter Du, vice chairman of 2.PCCW, has an annual salary of HK$ 260 million?

3. The annual salary of 3.PCCW director Zhong Chuyi is HK$ 65,438+400 million?

4. Huo Jianning, Managing Director of Hutchison Whampoa, earns an annual salary of HK$ 6543.8+RMB 200 million?

5. Li Zeju, vice chairman of Cheung Kong Industries, earns an annual salary of HK$ 38.5 million?

6. Zhou Hu Fang Mu, deputy general manager of hutcheson Huimbo Company, earns an annual salary of HK$ 33 million?

7. Hutchison Chief Financial Officer Lu Falan's annual salary is HK$ 365,438+5,000?

8. The annual salary of President Li of East Asia is HK$ 6.5438+0.85 million?

9. Annual salary of Rong Zhijian, Chairman of CITIC Pacific180,000 HK dollars?

10, annual salary of Elton, Chairman of HSBC Asia Pacific13.32 million Hong Kong dollars?

During the financial turmoil, many companies in Hong Kong closed down and many people worried about their daily lives, but the average daily salary of those "working emperors" was as high as HK$ 820,000. ?

The employees fired by PCCW made the following two ironic comparisons:

(1) Yuan Tianfan, the leader of the "working emperor", only needs one day's salary, which is enough to pay the salary of PCCW grass-roots employees with a monthly income of 1 10,000 yuan for half a year; ?

(2) At the beginning of 2002, PCCW laid off 858 employees at one time to achieve the goal of saving more than 260 million yuan in operating expenses every year, but this money is not as good as Yuan Tianfan's annual income. ?

You can also be an "emperor" if you work. The "working emperors" in the United States and Hongkong are like this, and so is Chinese mainland. ?

I earn 500 thousand a year, and I can be an "emperor" if I work. The top management of Kelon Electric once became the "working emperor" of domestic listed companies with an annual salary of 6.5438+0.25 million. IT industry, as a new industry rich in working aristocrats such as "Golden Collar" and "Pink Collar", has an amazing value from TCL Wu Shihong and Adobe Pizhuoding to Zhou Guanxuan of Shanghai Aoshen. In his early years, Wu Shihong flew against the wind, and TCL recruited him as the "working queen" of China with the value of "definitely higher than that in Microsoft". And this record has now been refreshed: when American Chinese He Jinghua applied for the CEO of UFIDA, his annual salary was as high as 5 million yuan. ?

People often have this prejudice, always thinking that success must be personal entrepreneurship, and always thinking that the boss is very beautiful. In fact, bosses also have their own difficulties. They have bank loans to pay back, employees' salaries to pay back, mortgages to pay back, a series of inspections to be handled by the management department, big and small issues to be handled, and they have to bear the greatest bankruptcy risk ... And migrant workers, except doing their own jobs, have no such worries.