Learn these points and the average person will become the next multi-millionaire

Have you ever been distressed because the money is not enough to spend at the end of the month, no matter how to save and how desperately to make money, the savings are still pitiful, always complaining about how the money is so unused. I want to read some financial books to change, but I can't read it because it's too boring.

Then you can try the book "The Richest Man in Babylon", written by the American writer George Klasson, who borrowed the fables of ancient Babylon to illustrate his views on work and financial problems, and a series of fables became classics of modern inspirational stories. The way to describe financial management in the form of a story makes the mind more intrusive.

Have you ever wondered why you can't save money? Where is the money spent, and have you ever thought about dividing your income into a few parts to use? If you want to know why you can't save your money, then first you have to know where your money has gone.

One. Where did the money go

Have you thought about the classification of the money you spend? For example, this time life is too good, resulting in you growing meat, feel that it is time to buy some fitness equipment to come back to practice, barbells, treadmills, jump rope, the result of buying back to practice for a few days found that it is not OK, they practice alone without self-discipline, so they did a fitness card that is not cheap, went for a week, too tired, and gave up. This is the amount of money that is wasted, and if you insist on using it or insisting on going to the gym, the value of the money spent will be reflected in you. Then there is the trend of online shopping for some impractical things, such as the lazy sofa that is very hot on the Internet, and it is not easy to clean, and it occupies the place, and the pressure deformation is not beautiful, and it is not practical, which is an unnecessary expense.

After a month, the money is not spent less, and there are a lot of impractical things in the house, but they can't bring more benefits to themselves. On the contrary, it is still very space-consuming. This is all you will not plan income, if you divide the income into savings, living expenses, investment compound interest and other parts, forced to restrain yourself from spending unnecessary money, will definitely save a considerable savings fund.

In "The Richest Man in Babylon", George Klasson put forward the idea of compulsory savings, if there is no starting capital, where is the unlimited wealth after that, and the first step to becoming a rich person is to start with savings.

Two. Mandatory savings

1. What is mandatory savings

Forced savings are forced fixed storage. For example, on the 15th of each month, take out 300 yuan for death storage, regularly for one year, then the next month must force yourself to take out the same amount of money at the same time for death storage. This is mandatory saving.

2. Why do you want to force savings

Now cash access are very convenient, no longer like in the past, to access cash through the bank, today's mobile phone payment and online shopping has greatly improved people's quality of life, brush mobile phone time is getting longer and longer, see like things move their fingers on the order payment, the result to the end of the month found that the money is so quietly gone, this is unconscious shopping, may feel that a few pieces or even dozens of pieces of things are very cheap, but also spend less than a few dollars, but at the end of the month found that each single price is not high, However, the number of shopping orders is increasing, that is, accumulating into more. This reflects the importance of forced savings, forcing yourself to store this money, you can not spend, the natural desire to shop is relatively reduced.

3. The benefits of compulsory savings

Now the concept of fast consumption has been deeply rooted, forcing yourself to save can well control your shopping desire, but also can do the effect of self-discipline, if you can be persistent in savings, then in other aspects can also control themselves, such as insisting on fitness, insisting on getting up early and going to bed early, forced storage is also a kind of self-exercise of self-discipline. And forced savings can also save a first aid fund for yourself, in the event of an emergency need funds to solve, such as family members have a disease, you need to take out a sum of money for treatment, if there is no forced savings, where do you take out this money, are you going to take out a loan or worry about borrowing money, but because you insist on compulsory savings, you can take out a first aid fund without asking anyone when you need it. Forcing savings not only exercises yourself, but also helps you at critical moments.

So knowing the concept of forced saving, how do we do it? Let's move on.

Three. How to do mandatory savings

1. Learn to bookkeep

First of all, you need to understand your consumption situation, then bookkeeping is a simple and efficient method. Bookkeeping is not only what you want to remember, or bits and pieces of loose money feel unnecessary to remember, this is a wrong idea, the expenses are as large as buying a car and buying a house, and as small as finding a change of yuan corner points to be recorded. For example, today Bought a handful of onions and spent 2 yuan and 3 cents, then you have to remember clearly, how much is how much, can not be rounded, this is not a matter of calculation, but a better understanding of your consumption situation, a few cents can also accumulate into dozens of hundreds. It's like countless inconspicuous streams and rivers that end up converging into the largest ocean. The best thing about bookkeeping is that it clearly reflects your consumption level, and in turn, you will know which unnecessary expenses to avoid.

2. Income planning

With the last bookkeeping summary, you know what to do with the next income planning. For example, ten percent of the income is used to save, and then make a shopping list, living expenses, children's study expenses, and distribute the remaining money reasonably. If you plan irrationally, then the remaining money is not enough, take shopping, you do not plan to buy things, is not to see what to buy, and finally spent a large amount of money that should not be spent, the unplanned money is also spent, but you take the list to buy, both time saving time and not spending more unplanned money. For example, if you're going to open a store, do you want to plan the size of the store, the rent, the cost of raw materials, labor costs, and what benefits you will get? It's impossible to say that you're going to open a store today, just rent a shop right away and start using it, and then see the results. Planning exists in all aspects of life, only in the small things, and tends to ignore it.

3. Mandatory savings

Having a planned amount of savings is implemented immediately, not simply storing the money in a bank card or coin purse, but a fixed way that you can't withdraw at any time. Suppose your income is 3500 yuan, take out ten percent on the 15th, that is, 350 yuan, deposited in the bank's death account, for a period of 1 year, two years can be, but the amount can only be ten percent or more, otherwise it is difficult for you to insist, so you must take out the same amount on the same day of each month to deposit into the same account, the amount can increase with the change of planning. Then you can't use this money for a fixed period, which is mandatory savings. This is the best way for people who can't control their hands and can't save money. For low-income people, there are some mobile phone software, and there is also a zero-storage and round-robin model. Forced savings can also exercise a person's self-control.

4. Long-term persistence

It's not enough to force savings, the next step is to stick to it for a long time. Everything is not achieved in the short term, and it is expensive to insist. If your mandatory savings reach the one-year deadline and you take them out and use them, won't the previous efforts be in vain? Just like two gold miners, they mine in the same place every day, and operate according to the amount of work set every day. A year later, one of them felt that they had been digging for so long, and if there was gold, they should have dug it earlier, so they gave up, while the other person still did it according to the plan, and finally dug a huge gold mine the next day, and this person became a rich man, while the person who gave up was only a day away from him, and he gave up, and finally lived a life without money. This small example is actually to tell you that not only look at the short-term and medium-term results, but also look at the long-term, the success of anything is not only a good plan but also a long-term persistence.

If you don't want to be a slave to money all your life, you have to learn how to dispose of money, if you can't do it in saving and persistence, then you can barely make ends meet even after 50 years of hard work. Just like some people, who earn 500 a day, don't know how to save, earn a point and spend a point, and in the end they are still poor.

Some people always say that rich people always have money, and people without money are still poor no matter how much they earn, which actually means that rich people know how to produce more money, and people without money will only spend money on useless things. On the contrary, a rich second generation inherits the huge wealth of the father's generation and does not know how to use it, will it also become poor in a few years, on the contrary, the first generation of the rich is from scratch and knows how to spend money on the blade, so it has achieved the wealth of several generations. Therefore, the change of thinking is the root of wealth.