How to effectively improve "financial quotient" and business sense?

There are four ways to improve your financial quotient: financial management, financial classification of financial quotient: there is often such a phenomenon in investment classroom life: some people have high IQ, are extremely smart and talented, but they often make ends meet, are stretched, are in debt from time to time, and are financially nervous. Occasionally, they also have a lot of money, but they are not good at planning and squander money to entertain themselves. In the end, all their money was gone, and there was still no place to stand. The reason is that they have IQ and EQ, but lack financial quotient. The specific manifestations of the lack of financial quotient are: eager to buy new products; The dilemma of being eager to save money after ostentation; Headless flies who are too busy to make financial plans; Psychologically afraid of financial management, and even feel that property management is a troublesome type; The other is fanatical money-oriented, hoping that their property will continue to appreciate and even put every penny of them into it. To change these disadvantages, we need to have a full understanding of financial quotient and master some skills to improve it. What is financial quotient? Financial quotient refers to a person's financial quotient, that is, the wisdom of financial management. Although many people are highly educated, they lack some basic financial knowledge. So many times, we are not short of money, but lack of an idea. Financial quotient is the ability that a person needs most, and it is also the ability that people ignore most. It is conceivable that a person who ignores financial business must have a poor sense of reality. Financial quotient includes two abilities: one is the ability to correctly understand money and its laws; The second is the ability to correctly use money and monetary laws. Financial quotient is not only the only intelligence that people can develop healthily, but also a kind of artificial concept and intelligence, which is of course a very important one. Financial quotient is often urgently needed and neglected. Financial quotient is not isolated, but closely related to people's other wisdom and ability. How to improve financial quotient? Financial quotient is not an inscrutable thing. Like other knowledge, it can be changed through specialized training and study the day after tomorrow, which can change your financial quotient and your financial situation. Of course, improving financial quotient is not an easy task. You need to study persistently, find a suitable method and practice on the basis of family finance. Only in this way can we kill two birds with one stone, that is, improve financial quotient and increase wealth. The first trick: establish a family financial file. Establishing a family financial file is the simplest and most effective basic work to improve financial quotient, and it is also the first step of financial management, so that your family finances can be clear, and you will not be like "ants running around on hot bricks" when you encounter problems. The "family financial file" is best divided into five parts: first, it is what we often call an account book, which records all the daily income and expenditure in order to find out the blind spots and misunderstandings of family consumption. The second is the filing of invoices for valuables, including invoices, certificates, warranty cards, manuals, etc. of various electrical appliances and valuables purchased at home; In the event of a quality accident, shopping invoices are an important guarantee for safeguarding rights and can recover economic losses to a great extent. Third, the financial assets file records the original data such as passbook, stock, bond and insurance. If the certificate of deposit is lost or stolen, you can inquire and report the loss in time. Supplement: Fourth, the archives of valuables, including gold and silver jewelry, jade jewelry, celebrity calligraphy and painting, and valuables with special commemorative significance at home. Fifth, documents and files, such as family members' household registration books, identity cards, graduation certificates, employment qualification certificates, real estate licenses, etc. , can be properly kept, eliminating a lot of unnecessary trouble. The second measure: always keep accounts. Family financial books generally consist of three parts: assets (including financial assets and physical assets), liabilities and net asset value. Before compiling, we should do some preparatory work, such as checking accounts, evaluating property, and taking out deposit certificates. One by one, to avoid omission and loss, to ensure the accuracy of the data. Financial accounting can adopt "three columns" of income, expenditure and balance. In this method, the amount of income and expenditure can be recorded one by one in the form of daily report, settled at the end of the month and summarized every year. At the same time, according to family economic income (such as wage income, operating income, loans, etc.). ), expenses (such as education expenses, utilities, clothing expenses, etc.), set up a detailed ledger, and record it according to the amount, and summarize it at the end of the month and annually. Don't worry about bookkeeping, it can accurately check whether your family income and expenditure are healthy and whether there are misunderstandings in consumption, which can directly improve the financial quotient of the bookkeeper. Years of bookkeeping can let family members know their economic income, expenditure and balance. Therefore, bookkeeping can encourage people to actively organize family income; At the same time, family members can arrange their expenses in a planned and reasonable way and save money on the principle of collecting first and using later and living within their means. Supplement: The third measure: learn financial knowledge. Investment and financial management is a matter that requires professional knowledge. Some aspects of financial business do not need to be studied, such as establishing financial files and keeping accounts, but some things can only be improved through learning, such as financial knowledge and the latest financial management skills. Of course, you don't have to go to college to learn financial knowledge. You can also supplement this knowledge by watching TV at home, reading books, newspapers and magazines or surfing professional websites online. You can also ask friends who have financial knowledge or participate in some financial activities. Pay more attention to news about banks, insurance and funds. In your daily life, your financial nerves will gradually tighten, and your understanding of financial management will gradually improve. However, when reading books, magazines, etc. Don't look at everything. Don't read some books with little content but good at making gimmicks. Choose books according to your own needs. For example, if you want to fully understand personal finance, you might as well choose some books in the bookstore. Don't make all kinds of bestsellers in a conspicuous position in the bookstore. Try to read in a targeted way. The fourth measure: planning financial management. When you know your family's financial situation at a glance and have a certain understanding of the financial market, you should make a set of financial planning suitable for your family, and arrange your assets reasonably according to short-term financial goals (such as buying a house within one year and preparing enough funds for buying a house), medium-term financial goals (such as preparing funds for children's education after three years) and long-term financial goals (such as retiring in 20 years and preparing pension funds). If you really can't make such a perfect financial planning, you can ask a professional financial planner to help you complete it. With a perfect financial planning, you have to actively participate in the practice of investment and financial management, and improving financial quotient in practice is better than any "simulation" learning. In the initial stage of investment and financial management, it is best to use family idle funds to invest in some low-risk financial products, or invest in risky financial products that you can afford under the guidance of experts. Of course, the investment and financial planning needs to be revised every year according to the changes of family financial situation. Every revision is a test of your financial quotient and a catalyst to promote your financial quotient to a new level. Be sure to revise your financial planning regularly, and don't let the planning fall behind, let alone let the financial quotient decline.