How to manage money reasonably?

The first step: change your cognition and clarify your relationship with money;

The second step: bookkeeping and reasonable consumption;

Step 3: Take a financial management class and read the introductory books "Rich Dad-The Road to Financial Freedom", "Qian Qian the Dog" and "Financial Report is Like a Story Book";

The fourth step: turn hobbies into a means of making money;

Step 5: Learn to invest.

If you unconsciously resist "making money" and see the words "financial management", "fund", "fixed investment" and "stock" as the biggest words, then Ma Tian's growth experience is suitable for you. The series tells you how to live an ideal self from a person with a chaotic money relationship and pursue your hobbies and desires!

Thinking and Action after Reading Qian Qian the Dog.

1 the value of this book

This is a children's financial management book, which is very good as an adult's enlightenment financial management book.

This book was recommended to us by my life tutor @KK English Big Bang two years ago. After reading the book, she took the first step of going abroad for a part-time job, giving a speech for the first time and making money with her interest. Now she is no longer a university administrator flower girl, but an "online celebrity" in English learning! As long as she implements the methods in the book, she can earn back the money of the previous year in one month! ! ! You can follow her official WeChat account and Weibo.

The significance to me is that I reviewed my growing experience, took out the ideas and methods of correct financial management in the book and immediately used them, and further combed other semi-ignorant understandings: for example, why should I at least repay the loan? What's the point of saving?

Don't say you don't have time to read, you can still listen to books. "Qian Qian the Puppy" means that Tim listened to this song in one week during his commute! ! ! Litchi app, Himalayan app, there are many free books to listen to! ! !

Use the free time in the black hole of time!

2. Content analysis

Since Qian Qian the Dog is a financial book for children, it naturally has fairy tales and lucky parts, but it is really meaningful for financial professionals. In fact, the focus of investment and financial management is just a few. As long as you are willing to learn and really practice, it is not that difficult.

The point is: you really followed the steps in the book!

Abstract: 1. If you just try, you will only end in failure, and you will accomplish nothing. Trying is purely an excuse. Before you do it, you have figured out a way out for yourself. You can't experiment, you only have two choices: do it or not.

Step one:

1, Dream List: Write down 10 reasons for wanting to be rich (written by Tim Ma long ago when studying the Law of Attraction and making plans for the next five years);

2. "Pick out": Choose the most important three and start doing it!

3. "Dream Album" turns these three goals into concrete and visual pictures, and sticks these pictures in the notebook! (also an attractive law);

4, "dream piggy bank", start saving money immediately, always remind yourself not to spend money indiscriminately.

20 15 and 20 16, Tamar's dream list and dream manual (recorded in 1 book, annual 1 book, efficiency manual as soon as possible).

Step two:

Insist on writing a "success diary"

You can write what others praise you, what you are satisfied with, or what you have made little progress. Tim Ma insists on "coffee meditation". )! Long-term persistence increases self-confidence. When you doubt yourself and dare not meet the challenge, just look through your "success diary". These little things will make you confident! ! Previously, Tim was written in the efficiency manual of the daily work plan. It seems that for the convenience of reference, it is time to find a new notebook system to write. )

Abstract: 2. Your self-confidence determines whether you believe in your ability and yourself. If you don't believe you can do it at all, then you won't do it at all. If you don't start doing it, then you will get nothing.

3. Focus on what you know, what you want and what you have.

Step 3:

What the hell can you do?

1, find friends who will make money around you, get close to them and learn how they do it;

2. Find out your interest and use it to make money for a long time; Especially important, because making money is for a better life. If you do something you don't like or even hate and all you get is money, what's the point? ! Tim can do this. I like to share and convey my thoughts, so my code words and speeches, from free to charge, have also opened up a way. )

Don't pin your hopes on a job.

4. It takes time to manage money and invest. Spend at least one afternoon thinking about how to make money!

Step 4:

Three important principles:

1, in the face of difficulties, it is the successful few who still insist on their wishes!

2. "Dream Album" and "Success Diary" should be done continuously every day! This is of great significance to your future. Every day 10 minutes, you will become different from most people. (Tim Ma really started his ideal life by writing an Efficiency Manual every day, every month and every year. Whenever she is confused, she will wake up too much by reading what she wrote before and her dream list! )

When you decide to do something, you must finish it within 72 hours, otherwise you will probably never do it again! ! !

(This is so right! My master is a "thigh-slapping plan", what to do or not to do, choose to do it first and pursue perfection! Ma Tian himself is also a person with strong internal needs. People often see that Tim Ma's image management, weight loss and English learning are very effective, but they dare not take the first step: "Is it difficult to stick to it?" I certainly can't do it. You are really a persevering person ... "In fact, if you don't do it, you won't regret it. I love myself more! And every time I do it, I will give more than expected returns. For example, the first speech, submission, practicing vest line and resignation may be a bit hard, but compared with the result, I am not afraid at all! )

Abstract: 4. People always expect the situation to change in their own direction, but they ignore one thing, that is, they must change themselves first.

Step five

If there is a loan:

1, destroy all credit cards, because you will spend more than planned (this is very difficult in today's society, because there are various loans such as flower beds, and everyone is used to not using cash)

2. The less you repay the loan, the better. The higher the installment amount, the less the living expenses left every month, and all kinds of accidents will happen in life, so you can borrow new loans! (Tim has heard this twice, because she is very reluctant to help her family pay back the mortgage for 20 years and pay an extra 200 thousand interest. Therefore, our family has always adhered to the principle of "pay as much as you have". In those years, the quality of life declined sharply, which also made us feel more inferior. I think those years hurt a lot of our self-esteem, such as buying clothes with poor quality, reluctant to invest in skin care products, and unable to find a topic to buy with our neighbors in buy buy. )

If you are in debt, you should also save immediately. Half is saved, and the other half is used to repay consumer loans, 50% each. If all of it is used to pay off debts, your property will be zero when your debts are paid off.

4. Stick a note in your wallet-"Is this really necessary?" Think about everything you buy.

It is very popular now. Psychological "delayed gratification", a child who can delay gratification (a child who can get a second candy after 30 minutes), usually achieves higher achievements in adulthood. Tim's mother is deliberately training Xiaotian. For example, if she doesn't eat chocolate before dinner, she will give you 2 yuan tomorrow! The effect is good, my son is better than me! )

However, a person with financial confusion-just can't delay his satisfaction! ! -What's the relationship between drinking a cup of 10 yuan's milk tea and a dream list or paying off debts quickly? I feel that I haven't bought anything in buy buy for a whole year, and I still have no money to save by the end of the year.

Of course, Ma Tian thinks that it is not recommended to completely give up the necessary social and material expenses. After all, the purpose of life is not money, but to live better, eat healthy and nutritious food and not buy excessive brands. I have heard of a teacher in a private middle school who never invited his colleagues to have afternoon tea in order to buy a house. He had the cheek to drink when others invited him to drink. They eat in the school cafeteria and spend 300 yuan more every month. Finally, she succeeded in buying a good house and was very proud. This is a way of life, but Tim won't choose it. What about you? Welcome to leave a message for Tim ~ ~ ~

Step 6:

Raise your goose, invest and save.

A story: A greedy man thinks that a lazy goose should lay at least two golden eggs every day after his goose lays golden eggs. Finally, he was furious and took the goose out of the cage and split it in half. After that, he will never get the golden egg again.

We have all heard of the fable "Don't be greedy", but what we didn't expect was:

1. Goose represents your savings. Goose is not born. Saving money and interest are your golden eggs.

2. Put it in the dream piggy bank and deposit it in the bank in proportion. Mr. Jin, a financial expert in the book, turned 1/2 of his income into his goose, and the protagonist Ji Ya also turned 1/2 into a goose, and the remaining 40% was put into the dream piggy bank, with 10% pocket money.

The interest rate of the bank can't keep up with the inflation rate. The more money you save, the less money you have. "Banks are machines that swallow money!"

4. Investment choice: safety first; High interest rate; Simple form and easy operation-stock &; Fund (invest in these and report after continuing her research in Tim Ma)

Don't put eggs in the same basket, and don't put geese in the same fund or stock.

6. Will the children of ordinary families never become millionaires? !

I deeply felt that when Gia was studying financial management and dreaming of saving and making money, her parents were very pessimistic and even cynical. What kind of ridicule actually hurts the child's self-esteem.

Her mother said something you must hear often:

"Gia, we don't pursue huge wealth, money will only bring misfortune to people, and learning to be content is the most important thing. Don't forget that the children of ordinary families will never become millionaires, so don't aim too high. "

Therefore, Ma Tian has always thought that "the dragon gives birth to the dragon, the phoenix gives birth to the phoenix, and the son of the mouse can make holes" is really a particularly correct sentence.

Your family background is promoting and preventing you from becoming rich!

You may not be happy that others are the second generation, but people's attitudes and thought patterns, which we ordinary people need a lot of time to change and establish after smallpox, are innate and imperceptibly produced. It doesn't need time and experience, and it is much ahead of us!

The reason why children from poor families are still poor is that their mental state and surrounding atmosphere are really crucial. -So Ma Tian has been earnestly saying, first face up to your relationship with money and the meaning of making money from the ideological and psychological level! (Click Step 1 to find out the secret that prevents you from getting rich)

3. Summary:

Maybe many friends have read this book, but it hasn't touched much.

The key is: did you really do it? !

1, start writing: success diary:, very small things are worth recording!

2. Any book will do! If you need a sense of ceremony, buy it right away!

3, don't wait until the second year, the 72-hour law! Don't cook if you don't cook for three days!

4. Write down a "dream list"! Stick it on the first page of the notebook you use every day! !

20 15 When Ma Tian first wrote her life plan, she was 32 years old! Write it down! Write it down! Write it down! Only by turning the subconscious into consciousness can it be realized!