As the saying goes, it is easy to seek wealth and it is difficult to keep money, just take the "loser" emperors of successive dynasties in Chinese history, the ancestors worked hard to lay down the country, but because of the indulgent happiness of future generations, the royal family was divided, the status was not guaranteed, and finally they were expelled from the emperor's throne, all because they did not understand how to keep money. Although knowing how to spend money when the money is full of money is a science, but when there is no money, it is another science, and the famous minister Zeng Guofan in the late Qing Dynasty is the ancestor who played with this knowledge.
Zeng Guofan was born in 1811, he was born rich, from a young age familiar with the Four Books and Five Classics, at the age of 27, he entered the Hanlin Academy to do things for the imperial court, until later became a very popular subject, Zeng Guofan's life can be described as smooth. But do you know that when he was young, Zeng Guofan also had a time when he was poor to last, but he dared to spend money and spend money on the "blade" to successfully reverse his fortunes. In the book "Settling Accounts for Zeng Guofan: The Income and Expenditure of a High-Ranking Official in the Qing Dynasty (The Jingguan Period)", Zeng Guofan is described in detail about zeng guofan's means of playing with finances.
Zeng Guofan left a whole year's income and expenditure accounts at the age of 30, from the accounts, it can be seen that Zeng Guofan's daily life and social expenditure accounted for 70%, daily life is to make a family comfortable, live at ease, and social aspects are in order to make friends in the official field, the necessary expenditure. At the age of 32, Zeng Guofan was appointed as the examiner of the Sichuan Township Examination, which is a well-known fat difference, however, Zeng Guofan clearly stated on the list of clothes to buy beeswax Chaozhu "to buy fake", which shows that he does not want to spend money on clothes.
The 41-year-old Zeng Guofan has not returned to his hometown for 12 years because of financial constraints, and in the first three years of his career as an official, Zeng Guofan still sent money to his hometown in his own poverty and took the initiative to assume family responsibility; when he lived in debt, he would lend his money to his friends and tell his son not to collect debts from his friends. Relying on this principle of dealing with the world, Zeng Guofan finally successfully turned around at the age of 41, got rid of the shackles of economic difficulties, and soared in the official arena.
In his later years, Zeng Guofan summed up three aspects of the art of spending money to his children and grandchildren. First, you can't avoid the money with the part, the human relationship is the principle of birth, the part is the link of contact, if you spend a lot of money on the part, you will make the other party miss yourself forever. Second, for those who have helped themselves, they must not be stingy, when the other party encounters a financial crisis, we must help as much as possible, we must not chill the hearts of friends, and sending charcoal in the snow is far more impressive than icing on the cake.
Third, it is to be willing to spend money on the family, the family has a sense of happiness, their motivation to make money will become more and more sufficient, we can often endure our own bad life, that is, we can't bear to let the family suffer with themselves, this is the truth. Therefore, Zeng Guofan relied on these three points to move from 12 years of poor life to a brilliant officialdom, and the money bag on his waist was also getting more and more drummed, and Zeng Guofan's financial management methods were used to this day.