For friends who keep accounts, they will be familiar with the expenses. We will distinguish between daily consumption necessary expenditure, short-term large-scale necessary expenditure, occasional necessary expenditure and unnecessary expenditure according to needs. However, when we keep accounts according to such expenses, we know where the money is spent, but we don't know whether it should be spent or not.
Three wallets tell us which ones are worth spending and which ones are not.
Consumer wallet refers to the consumption of goods and services in order to satisfy our desires. The desire to satisfy here is called "utility", and utility determines the value of this object. Its personal subjectivity is relatively strong. So for the same thing, different people will have different choices. For example, some friends like to buy cheap clothes from Taobao. Because she thinks she likes the new and hates the old, she always wears new clothes, so she tends to be cheap. And some friends, she basically doesn't buy clothes, and a dress can last for a long time, so she tends to buy more expensive clothes, so the quality is guaranteed. Therefore, everyone has their own expectations, and the desired effect determines whether to consume.
Investing in wallet refers to the money you have to pay now, in order to get more returns in the future. Here, "in order to get more returns" can be regarded as cash flow, just like you can get 200 yuan by investing 100 yuan. This kind of investment can be regarded as the money spent on investing in your wallet, which can bring cash flow, and the difference between cash flow and investment determines whether this expenditure is worth it. For example, the company will provide 700 yuan prizes for research every month, so if the registration fee, material fee and course fee paid by the research pass the exam, then this fee can be regarded as the money spent on investing in the wallet, which can bring us cash flow.
Speculative wallet, a bit like investment wallet, aims to get more returns. The difference is that the cash flow brought by investment wallet is predictable and can also be realized through our efforts. Although the cash flow of speculative wallet is sometimes clear, it is extremely uncertain. Many times we forget that we have spent it, such as lottery tickets. Many times we have bought lottery tickets, but many times we forget them, because we know very well that the chances of getting cash flow are too small.
The reason why we say these three wallets is to let us try not to spend speculative wallets, reduce consumption wallets, increase investment wallets, and then use the money invested in wallets to spend. Only in this way can we spend money more wisely, accumulate capital and build Qian Shengqian.
However, it is often difficult to distinguish whether the money spent is consumption or investment. First, different people will have different effects on the same thing; Second, besides utility and cash flow, the perception of time and behavior habits will also have an impact on value.