Rich woman cultivation plan

rich woman development plan

why do you want to save money? Because rich people have more choices and freedoms. For most ordinary people, our chips are very limited. Saving money is one of the few ways that we can control ourselves and increase our chips in life.

1. Save your money first.

It doesn't matter how much money you earn, what matters is how much money you can keep and how long you can keep it. Warren Buffett is worth hundreds of billions, but he is notoriously frugal. His advice to young people is to form a good habit of saving, and the earlier you start, the better. Therefore, if we want to save money, we must first change our misconception about saving money. These instincts can open the list of books that you think about saving money, and reshape your thinking about money: Qian Qian the Dog, Rich Dad and Poor Dad, The Richest Man in Babylon, We will eventually become rich, and The Rich Man is Different from What You Think

2. Write down a dream list

"We must be clear about our inner desire and know what it is before we can get it." Write down a dream list, which is a method learned from Qian Qian the Dog. For example, the dream of the past five years is: 1. Buy a house of about 1 square meters; 2. pick up the car; 3. Travel once a year.

no matter what our dreams are, it is undeniable that most of them need money to realize. Every once in a while, you can write down your dream list on paper and post it where you can often see it to motivate yourself to save money.

3. Divide the money into three parts

The money earned can be divided into three parts, which is learned from Qian Qian the Dog. One copy is used for daily expenses, rent, water and electricity, eating, drinking and having fun, etc., not exceeding 3%. You can buy current wealth management, which is very convenient and has interest. One for the dream list, such as buying a house and a car, and 5% for regular financial management, so as to effectively control yourself from spending money indiscriminately. One copy is used for goose account, which is investment, about 2%. The money not used in three years is used to buy funds with medium and high risks. The goal is to raise a goose that can lay golden eggs and realize wealth freedom in the future, that is, to support itself without working. The specific proportion can be adjusted according to your own income and needs.

4. refuse to spend in advance

close the software that leaves a way out for your life, such as borrowing money, spending money, credit cards, etc. If you keep these, you will never save money, and you will only fall into a vicious circle of "paying back money-owing money-owing money". Smart people never spend in advance. Although overdraft consumption is very cool, you can dream ahead of time, but the money is to be paid back. If you are a moonlight clan, it is suggested to ask yourself before buying something: "Do I have more than 5, deposits?" "If I lose my job, will my money last for half a year?" "How are my parents?" If the answer is no, I suggest you give up buying this product.

5. Compulsory regular savings

Buffett said, "Don't save the remaining money after spending, but spend the remaining money after saving." Many people save money by using it first and then saving it, that is, spending money first and then saving the rest. However, it is difficult to save money in this way. Because people's desires are endless, we can't predict how much money we will spend a month. The correct way is to save before using, that is, to save in advance. In the future, whenever you receive your salary, remember to save a certain percentage of money first and then spend the rest.

6. Bookkeeping+monthly resumption

Set the budget at the beginning of each month, get into the habit of bookkeeping at ordinary times, and resume at the end of each month. See what are the unnecessary expenses and improve them next month. Carefully reflect on your usual living habits, and you will find that some expenses can be wisely cut. From deliberately saving money to naturally saving money, you can slowly know how to spend money. If you don't like bookkeeping, you can look at the monthly payment bill and see where the money goes at a glance.

7. Don't buy unless you need it, and don't spend it unless you need it

Money should be spent on the cutting edge. None of our money was blown by the strong wind, but was earned by hard work. So we should spend every penny of our money on something really valuable. Put the shopping list in the shopping cart and look at it in a few days. If it is not urgent or unnecessary, delete it. If you are used to it, you will have little desire to spend. Beware of the trap of consumer attention, habitual addictive spending is the biggest consumer loophole, such as double 11, 618 must buy something.

8. Stay healthy

This is the most important one! Health is the biggest deposit. Never sacrifice your health to save money. Money is worthless in a hospital. Going to the hospital once may cost you a month's salary, or even more.