The first bucket of gold in my life, if it were me, I would definitely buy it for my parents. Our parents raised us and paid so much for us. As long as your money is used as a gift for your girlfriend, your intention is the same. I think the gift for my parents is the most practical. It's very cold now. The landlord can buy warm underwear. My parents must feel warm when they wear it. It would be better if two red envelopes were sent together. It doesn't need to be more than one hundred and two. It means living to one hundred and two and living a long life. It's better to be able to say something personal. In fact, parents don't ask for anything, they just want you to live well.
Thirty percent of them are used to buy necessities for their parents. Don't buy things that are not practical.
Ten percent of it is used to invite friends around to have a meal or something. It is better to rely on friends when going out.
The rest is used as living expenses and the rest is saved.
Importance of deposits:
1. No matter how much your monthly salary is, no savings, no money.
2. If you need to do business or need money urgently at home in the future, even if you save ten or twenty thousand yuan, you can solve the urgent need. It's hard to borrow money in this society now. Really, you can borrow three or five hundred yuan at ordinary times. You can always feel that there are many friends around you. When you want to use thirty or fifty thousand yuan, you really can't borrow!
3. There is a certain amount of deposit in the bank every month on a regular basis, which can accumulate credit and facilitate future loans. Many dare not say that 8-10 can be lent without mortgage.
When purchasing treasury bonds, monetary funds, bond funds and gold (gold bars and bullion), the above investment products have the characteristics of low risk, good return, liquidity and risk resistance. It can be considered. Stocks, stock funds, and residential buildings are all high risk investments for the time being. Six habits are required to start financing:
A friend often asks me: I want to manage money very much, but how should I start? In fact, it is not difficult to start financing. If you are about to start or have been thinking about what is a healthy concept of financing, then you have got a good start. There are many good practices that can help us start our own financial planning. The following six habits, if we can follow their rules, can help a person who is just starting to finance learn how to control their economic situation well.
These rules will make you believe that it is absolutely a good idea to develop a financial management plan from now on, and the earlier you start, the easier you can achieve the goal. Even a small amount of investment is worth it. Here are the six habits.
Habit 1: record the financial situation.
If you can measure, you must understand, and if you can understand, you must change. Without continuous, orderly and accurate records, financial management plan cannot be realized. Therefore, at the beginning of financial planning, it is very necessary to record your income and expenditure in detail. A good record enables you to:
1. Measure your economic position - this is the basis for making a reasonable financial plan.
2. Effectively change the current financial behavior.
3. Measure progress toward goals.
In particular, when making financial records, you must also establish a file so that you can know your income, net assets, expenses and liabilities.
Habit 2: Clarify values and economic goals.
Understanding your own values can establish economic goals and make them clear, clear, true and feasible. Without a clear goal and direction, it is impossible to make a correct budget; Without enough reasons to restrain yourself, you will not be able to achieve your desired goals in 2 years, 20 years or even 40 years.
Habit 3: Determine net assets.
Once the economic record is well kept, it is easy to calculate the net assets - which is also the way most financial experts calculate wealth. Why must we calculate net assets? Because only by knowing the net assets of each year, can we know how much progress we have made towards our goals.
Habit 4: Understand income and expenses.
Few people know how their money is spent; I don't even know how much income I have. Without such basic information, it is difficult to make a budget and arrange the use of money reasonably; Don't know where to spend money; It is also impossible to make reasonable changes in spending.
Habit 5: Make a budget and implement it by reference.
Wealth does not mean how much you earn, but how much you still have. It sounds that budgeting is not only boring and tedious, but also too pretentious. However, through budgeting, we can find out the whereabouts of large sums of money in daily spending. In addition, a specific budget is very helpful for us to achieve our financial goals.
Habit 6: Cut spending.
Many people complained at the beginning that they could not afford to invest more money to achieve their economic goals. In fact, the goal is not achieved by a large amount of investment. Cut spending and save every dollar, because even a small amount of investment may bring a lot of wealth. For example, how about saving 100 yuan more every month? If you start investing at the age of 24 and can get 10% of the profits, you will have 20000 yuan at the age of 34. At the age of 65, those small investments became 616000 yuan. The longer the investment time, the more obvious the effect of compound interest. Over time, the profits from savings and investment are even more obvious. So the earlier you start and the more you save, the more profits will multiply.
The above six habits can help us start our own financial life. A good start is half the battle. If you persist in the long run, I believe you will also achieve your goals in life!
