4 Investment Habits That Make Big Money

Article 1: investing in oneself

This is the largest and largest investment, and of course, the harvest is also the most abundant. This is very philosophical. My friend is 27 years old, but it is no exaggeration to say that he has a million worth, but every penny is clean. Every penny has wisdom and hardship. He was a poor boy 5 years ago. He had no background and no knowledge of anyone. His monthly salary was only a few hundred yuan. How did he achieve this breakthrough and transcendence? The most important thing is to cultivate his irreplaceable nature. That is to say, to give full play to his most advantageous advantages. Many times, education requires us to have 5 fingers in general and do not ask for no work. But many of them are such mediocre ideas that limit their development and always see their weaknesses, but sometimes we have to say that weaknesses are natural.

A person who is not good at words, even though he spent 10 years, gains a common language ability. It is very difficult to become a speaker. If he does not mind his shortcoming, he may become a philosopher. If the five fingers are the same, people will not have their own characteristics, and they will become the most common ones.

Strengths develop to the limits, choose the most suitable professions for him, and constantly improve and surpass. Although they are not very concerned about diplomas and certificates, they have almost all the certificates and diplomas in their professional fields. Yes, here is a special point: English is not very good, so his English is not very good, so he goes to New Oriental. But his harvest in New Oriental is not only a voice and intonation, but a brand new idea. He once persuaded other friends to listen to New Oriental, accept the different ideas of teachers, discover the successful experience of New Oriental, discover the successful experience of New Oriental, and see how predecessors think and solve problems, so as to achieve a new spark of wisdom. So his biggest breakthrough is to put his own way. Money is often used to serve people. Investment in education is really the most important investment. If time is urgent, you can go to New Oriental's foreign teacher course, 1 to 4, group education 100 yuan per hour, your mind will be very clear, the fastest way to let you enter the language environment, the fastest way to achieve oral breakthroughs.

I have deep feelings for his mantra: We used to change money in the beginning, but at the most critical time we had to spend money for time. The best way to save time is to use the extreme. All activities and arrangements need to be carried out in an integrated way, because time has the opportunity cost, like the most widely known if Bill gates lost 2000 yuan and whether to pick it up, even though it is almost a joke, but even ordinary people have time value, for example, the monthly salary is 10000, an average of 454 yuan per working day, and 57 yuan per hour. If it takes 10 minutes to withdraw from the Bank of ICBC, it will not cost two yuan to collect money from the nearest bank. It's best to use online banking to automatically transfer all the waste water charges, electricity charges and so on. Many people think that they are working at the boss's time. They secretly waste a little bit and seem to have earned it. They are very proud of their intelligence.

In fact, from another point of view, the boss took the risk of operation, and provided you with a very good stage. You only need to contribute your time, as long as you work hard to feel it, you get the experience that will accompany you for life. Of course, if it is a cup of tea, the experience of a newspaper is not worth a word. Many times, it is in a very hard work that you can get the sense of accomplishment and discover and accumulate your unique skills. Sometimes you will get to know a lot of like-minded friends in your hard work. The conscientious person is the most lovable and has a huge infection force. These connections and support will play an invaluable driving force for your future achievements. I made a systematic statistic of his expenditure in 2005, accounting for almost 1/3 of the input in learning, including the examination fees for various foreign qualification certificates, driving license, practicing oral English and so on.

Second: we must be calm and sober in the face of huge investment such as buying a car or buying a car.

He bought a house, but because of the decision time is relatively early, so now the real estate appreciation is more, almost to 60%, but because it is self occupied, even value-added can not be realized, so it is not counted as personal assets. Here is to remind a loan friend, if you have the time to spend, it is best to spend 2 minutes to use the formula for early repayment of loans, puzzled: the early repayment of 10 thousand yuan even saved 11 thousand yuan interest. If your investment channels are limited to bank deposits or other channels that do not reach 5% of the investment income, your most realistic investment channel is to repay the loan ahead of schedule.

So far, he still insisted that the plan of not buying a car did not waver. On the one hand, the time was more intense, so he preferred to take a nap in the taxi, or conceive a new plan, or do not want to rest in his head for a rest, nor would he like to drive on the side of the car, looking at the dense traffic jam scenes outside the Beijing window, anxious to catch the fire. Ha, here, incidentally, the traffic jam in Beijing once a day, from early to late. Moreover, many of my friends are very impetuous because of their driving, and even if the ladies are accepted, they turn into a sassy girl. Besides, the streets are full of street murderer just now, and taxi drivers almost have more than 5 years of driving experience, and there is no need to consider repairing cars, washing cars, paying road toll and so on. Therefore, it is either to define themselves as free drivers, or to make their economic conditions better enough to be equipped with special drivers. Of course, people who are crazy about driving are excluded.

Third: develop your hobbies.

Most of the time, the body is the capital of revolution, but it is easy to ignore because it is young, so basically 2-3 hours of exercise every week. There is no limit to the way of exercise. It is better to play badminton or football. The amount of exercise is just right, sweating, giving vent to depression in the heart, and having a lot of friends to accompany, and consolidating good interpersonal relationship in sports, it is easy to create a positive and struggling environment. Individuals do not encourage the movement of mahjong. Keeping the same posture for a long time can easily cause cervical spondylosis, and excessively exciting between winning and losing, it is easy to cause heart and blood pressure problems. If playing mahjong with customers, it is a good thing to win mahjong and lose the mountain without dew. It is really a very profound knowledge, and it will make people's heart languish in practice. People who have special interests and talents for mahjong and gambling have been detached from their discussions. The reason why sport is included in financial management is because it suddenly finds that sports are extravagant. If you go to sports venues and add friends to dinner, it is almost 1000 yuan / month. If there are no conditions, you can make sports become bicycling or walking home after work, and you can also save road expenses.

Fourth: family, family relations must be handled well.

Family harmony is the only way to work hard for the cause. Even the most intelligent person must not count his family. He is a double-edged sword between his family. Because he is the closest person, he is the most injured. Between family members, it is the best way to be confused. Many times, think that the motive force of your hard work and serious life is not to make your family happy. So, you must share it with your family members. Let everyone share your happiness and sadness and learn to face it together. After a happy sharing, there are two joys. If conditions permit, travel two times a year, or relax on a pure holiday.

Parents are old enough to share their time together with their parents. In fact, it is very limited. Most of them are 20 years. In life, it is just a short moment. A friend once sighed that the love of parents is just that there is no afterlife in this life. We owe the most to our parents in their lifetime. So we can participate in the happiness of family. We must not easily let "busy, have no time" to plug the hearts of parents and children. The joy of your parents, your child's joy, is sometimes your 10 minutes. Patting dad's shoulder and touching the child's hair, you may suddenly sigh that your father is not as tall and tall as you think, and has been bent over the years by these years. The thin body still supports you in a blue sky, and the child is no longer the little person who has just been born, but also learns to laugh at life. The reason for this is that if you want to, you can buy some small gifts at ordinary times, or recharge your batteries for a long time, and give your heart a fulcrum so that we can have the faith of lifting the earth again.

Financial management is a step by step, set goals for yourself, and then step by step, to achieve every small goal, reward yourself to reward your family. In fact, financial management is to be a person, to discover the best of yourself, to have the most sincere friends, and to rely on the most harmonious family. You are the richest person in the world.