The author of this book, Zheng, is a Korean, and now she is the female anchor of TBS traffic TV station in South Korea, responsible for hosting six or seven radio programs. She firmly believes that economic independence is the real adult, so she has saved money with good financial management ability and living habits since middle school, and at the same time achieved her life goals of studying in Australia, buying a house and improving her personal ability.
Originally, I only planned to write a book review for this book, but when I went back to intensive reading for the second or third time, I found that I wanted to write too much. Through Zheng's financial management, I found that if I had her financial thinking, I could have avoided many detours and saved a lot of money in my college days and the first two years of work. Unlike now-there are still many card debts, and even the down payment of a house has not been saved.
This article is only a book review of the first chapter of this book. This is a long article. Based on the author Zheng's financial story and my own personal experience in the process of learning financial management in the past six months, this paper systematically introduces nine methods to help you (especially female compatriots) buy the first suite of your life before the age of 30, which can be described as full of dry goods. I hope you can read it patiently and I believe you will gain something.
Since middle school, Jean has opened an account in a bank near the school and deposited the pocket money given to her by her parents, which laid the foundation for her to manage the funds.
Every time she withdraws money, she always carefully calculates how long it will last. In order to make up the balance in the passbook account, she unconsciously began to save money, and the number in the passbook became larger and larger. Before buying, she will carefully consider whether what she cares about is really necessary, whether it is really worth running from home to the ATM far away, and whether it is really what she wants. In the process of judgment, consumption control will naturally be realized.
During the whole middle school, she saved 37,000 yuan with pocket money. When you cherish money, money will naturally give you a return. Not knowledge but practice. Please start saving money now-this is the first step to manage your life.
After entering the university, Jean, like you in your twenties, came into contact with a consumption system different from that in middle school-the amount of disposable expenses climbed to a higher level, and the independent economy began to kick off at this stage.
You have just come from senior three, and there are too many places to spend money: in college, you would rather go to a restaurant with better food and drink a glass of wine worth a meal than go to the cafeteria again; Finally got rid of the uniform restrictions of school uniforms, such as clothes, schoolbags, shoes and so on. Of course, I have to dress up my new image; Especially for girls, high-end cosmetics that have not been painted before should also be tried before they are enjoyable; It's a waste not to go to the cinema to enjoy an entertainment feast on weekends; All my friends have the latest generation of high-end electronic products. How could I not have them?
Have you found that roughly speaking, the amount of these expenses is almost equivalent to the salary of an office worker who has just entered the society! It is not surprising that those black cash loans on the Internet stick to college students.
However, as the author said:
At this stage, Jean saved money in this way:
First of all, make clear your dream-to be an announcer. Desperate to become an announcer, she devoted herself wholeheartedly to the school radio station. Naturally, there is no place to spend money. More precisely, she is too busy to spend money.
Seeing this, I thought of "Anyone who enjoys himself here doesn't know that his mouth and body are not like people" in "Preface to seeing Ma Sheng off to Yang Yang". Do you?
At the same time, Jean is also thinking about how to use the 37,000 yuan accumulated in middle school. She didn't want to spend money rashly on clothes and eating with friends, so she asked herself seriously what she really wanted. The answer is: the house.
After that, the money she accumulated was given a sacred mission. It's a bit like the dream piggy bank in Qian Qian the Dog 1. She saved all the money she earned from part-time jobs in this dream account to buy a house.
In addition, using old textbooks and applying for scholarships is also one of her open source ways in college. Seeing this, I can't help but think of one of my favorite comments I saw in the naked loan incident of female college students a few months ago. "The national inspirational scholarship is 6,000 yuan a year, and you are not as good as a box of 14 20 morning light refills that others have used up."
At this stage, Jean put money into practice for her unique reasons, which in turn made her more diligent. So, in college, you should also be like the author said:
When I was in college, I boasted that I was studying in a key university. In fact, when I saw this passage, I suddenly felt a little sad that I couldn't write it down. Looking back on my college days, I think that I finally got into the key points. If I don't indulge myself, I'm sorry for my hard high school career. There are so many times that I can't stand the temptation. I am either chasing movies in the dormitory or brushing Taobao, and I have to come out from the university town to visit the city on weekends to be happy. In the end, I failed countless courses, but I woke up a little later, stumbled and finally graduated! Therefore, I didn't save any money in college, and I didn't have the ambition to take the postgraduate entrance examination after graduation. My first job was to make money immediately and buy anything on Taobao at buy buy. Think about it, I also worked part-time in college (such as selling and distributing leaflets), but the money earned from those part-time jobs wasted most of the time I needed to study professional courses well, and I did it for the day's salary, without construction and growth. The most important thing is that I didn't save any money, and the vicious circle used the money to buy it at buy buy. Most of the things I bought when I moved after graduation have never been lost!
Lessons from the past! Just as you are in the prime of life in college, you must learn from the bloody experience and lessons of your senior sister when you see this passage. Although I am now living a completely different life from my college days, this story sounds a little strange, but it is sincere. I think, if I had read this book earlier (actually it is impossible, the first edition of this book is 20 16) or started to learn the knowledge of financial management earlier, maybe my university would not have failed, and maybe I am ready to graduate from my dream university now!
If you still find it a little difficult to save money and manage your wallet, then you must start with the first principle of life financial management, "set clear goals."
One day in her junior year, Jean got a job as a broadcast director and music player in the studio of a shopping mall, which just realized her dream of becoming an announcer. The work content is not complicated. She can play songs and watch performances. Occasionally, the job of searching for lost children and lost property owners on the radio made her feel full, and she got her first salary of 64 13 yuan.
With a steady income every month, Jean began to have a clearer picture of the future. She saved 5300 yuan from her salary. After comparing the interest rate information of various banks in detail, she bought short-term (1 year), medium-term (3-5 years) and long-term (7 years) savings products, and the income from these wealth management products became the cornerstone of her future house purchase.
She reminds readers like this:
What I want to say here is that if your self-control ability is not strong, you can stop your credit card or stop. In addition, the dosage of ant flower buds and JD.COM white stripes should be less, so they should be eaten in advance. Otherwise, you will find that there is no chance to manage your salary properly, and you will have to pay back all your hard-earned money for a month.
Make a good fund management plan in advance, so that the day when you get paid will be the first day when you implement the plan!
After entering the senior year, Jean knew that he could not only work, but also consider employment. At the moment, a big mountain in front of her is overseas language training. Because her English level is really poor, in order to get the maximum effect with the least cost and realize "low-cost and high-efficiency language learning", she has set herself three goals: 1. Before going abroad, she will try to improve her English at home; 2. Find a language school in Australia; 3. Apply for a working holiday visa to make money in Australia. As you can see from here, Jean is still very well planned.
She collected the scattered English textbooks at home, and with the determination to conquer books, she read all the English books. Regardless of the quality, level and difficulty of the content, she repeatedly practiced simple sentences to make long sentences and practiced pronunciation with the help of pronunciation textbooks. She learned more than 20 textbooks in three months. Hard work will always pay off. In the end, such hard self-study greatly improved her English strength before going abroad.
Courage, Jean chose to find a language school in Australia instead of consulting the traditional methods of studying abroad. She came to Australia with a savings of 37,000 yuan and spent 8,000 yuan on a plane ticket. At this time, the 29,000 yuan in her hand is all the expenses she will use in the future 1 year. If you want to get everything ready at home, it may cause unnecessary waste of money, but since you have the courage to come abroad, you don't have to worry, and finding a school in the local area also saves paying expensive private university tuition and study abroad fees. After 65,438+0 months in the community college, Jean began to look for TESOL (a class that teaches English as a foreign language). Thanks to intensive English study in China, she successfully passed TESOL's English exam, signed up for study directly, and graduated smoothly three months later.
After staying in Australia for four months, Jean's financial situation was very tense with the extension of his stay and the increase of his expenses. If she can't find a job after finishing her studies, she must go back to China. At this time, she began to submit resumes and prepared 60 copies. Because most of the positions needed in Australia are waiters or salesmen, she only filled in the relevant work experience in South Korea, and there is only one criterion for submitting her resume: "Is it a place where I would like to work?" In the end, she was hired by a full-time luggage store. The hourly wage in 87 yuan is about 10000 yuan a month, from10 in the morning to 5 pm, five days a week. At the same time, she also works part-time at TESOL College, helping a Korean student she knows with English lessons to increase her income. During this period, she was frugal-she prepared breakfast and dinner by herself. When she heard that someone was going back to China, she got some second-hand daily necessities from there.
She saved up the money she earned bit by bit, sorted out her income and expenditure in Australia for seven months, and found that 3771 before going abroad had returned to her own hands.
If you are preparing to study abroad, or have plans to go abroad in the future, don't just prepare to spend, but also prepare to make money locally! The experience of overseas job hunting can not only be an unforgettable experience, but also give you the confidence that "nothing is difficult in the world, I am afraid of a willing heart".
After returning from studying in Australia, Jean began to prepare for employment-registered as an announcer and taught English to middle school students in a tutorial school near her home.
I also want to say here that not only the announcer exam, but also any good job requires you to have enough funds to support your preparation. Take domestic civil servants and institutions as an example. Registration fees and information fees are nothing. It costs a lot of money if you want to enroll in a training institution's remedial class to study in advance. Of course, if you have the idea that "it doesn't matter how much you spend, as long as you can get in", the cost is really bottomless.
See how Jean can save money on this work!
Estimate the cost first. Because the author has to take the announcer's exam, there are tuition fees, the cost of taking ID photos (including the cost of hairdressing and makeup here) and the cost of renting clothes during the interview.
For tuition, she used the money she earned in Australia to pay for it, and chose the cheapest training class-once a week, which is the most suitable because she usually takes English classes. It's much cheaper to take a full-length photo of yourself, or to invite a photographer friend familiar in the studio than to ask someone to take a personal photo of you.
Clothes, you know, the best way to choose clothes that suit you is to try them on more. I'd also like to interrupt here. Buy clothes or go to physical stores more! As a veteran, I have something to say. I don't trust the online shopping platform very much now. Buy clothes for one or two hundred yuan or even less, and go to a physical store for more than 300 yuan! Otherwise, you will be really disappointed most of the time after receiving the courier. Most importantly, in case you think it is troublesome to send it back for exchange, and the clothes are not so bad that people can't stand it, it is estimated that you won't like them so much if you wear them three or four times. In order to save the cost of clothing, there is no other way but to work hard. Trust me, don't trust those online celebrities MM who can bend all the chairs into P, and don't trust those promotional bargains who rob horses in a limited time!
In addition, Jean taught herself how to make up, and went to the hairdressing shop near the community to have a cost-effective hairstyle.
In terms of work preparation, Jean spent very little money to make full preparations. Remember to do what you can, don't blindly follow the crowd, know more about what you need and avoid high consumption as much as possible. If your goal is clear, there must be a solution that you urgently need on the road to success. Don't just look at the preparation of others, or try to choose a more suitable way to succeed in employment!
After successfully passing the exam, Jean became a cable TV announcer. Because I love my career, the whole work process is very pleasant, except that I need to prepare my own "clothes". Buying clothes that she can hardly wear at ordinary times with not much salary makes her feel exhausted. After suffering for a long time, she decided not to go on like this.
So, she called the announcer in different areas of the same company to suggest changing clothes, and the other party was distressed and accepted her proposal gladly. In addition, she also personally looked for stores that sponsored clothing. At first, she was always turned away, but on the third day, the last store agreed to sponsor her, only requiring that the sponsored clothes be returned within three days after cleaning and hanging photos of wearing clothes and broadcasting programs in the store. Jean reported the matter to the minister, and the minister agreed, which also helped her business ability to be recognized. The money saved was deposited in the house-buying account, which also made her understand that consumption is not necessarily an investment, and saving needs to choose a more efficient and reasonable way, which will have different effects in the future.
Yes, no matter who you are, you will encounter difficulties in your own field of work. Please don't give up on the pretext of lack of time, money and energy. If you spend more time thinking, you will find a good way.
In terms of clothing, in addition to exchanging clothes and sponsorship, Jean also challenged herself to make clothes. -this has also become her hobby, which can not only make clothes, but also control the cost of clothes that run away.
This can also start a positive hobby and really save you a lot of money. For example, you transfer your interest in playing games, watching movies and shopping in buy buy to code words. Persist in exporting high-quality works for a period of time, challenge the first page, and maybe become popular. In less than three months, you will surely find how interesting writing is! Your time and energy are used to conceive your own article every day. After reading the input, I didn't go to the laptop until there were not enough codewords. How can you have time to buy it online in buy buy? And maybe if you stick to it, you can become a signing author, see your own words published into a book, then build a paid sharing group and give a small lecture at a low price ... Writing is really a hobby that saves money and can open up sources!
You know, making money is always better than spending. Using hobbies to create value, your skills and professionalism are recognized, which can greatly enhance your self-confidence, let you open up sources and increase your income.
If you want to save money, saving money is very important. Of course, there is another point that is easily overlooked, that is, "insisting on management." Remember, what is the purpose of saving money? Everything should serve your own goals.
If you want to determine how far you are from your goal, you must have a mid-term inspection of the duplicate (Jean calls it an "interim report"). It is best to use the method of "recording" in this report, that is, to record the details of money earned, expenses and savings at a glance. Prepare a bookkeeping book at ordinary times and write down the accounts carefully. Here, I think using a credit card has a rare advantage: because the full amount will not generate interest, but every consumption will be recorded in the client, without bookkeeping, and you can directly use the platform data to audit the account when you re-offer.
The interim report is to add up all the balances in all your bank cards to see if you have paid back the money, if you have any deposits, and how much you have saved. Don't underestimate this little thing, it can also be regarded as the driving force to maintain financial management. Those records are not only numbers, but also records and traces of your best efforts. If you don't realize how much money you have saved when you are frugal, the process of saving money will not make you feel the slightest pleasure, but will feel that the regular life of frugality is a kind of suffering.
Just like looking at the mileage with the running software in your mobile phone, you can know more clearly how far and how long you have run. Confirming your account balance at any time can let you see the moment when you are getting closer and closer to the target amount, and feel the heartbeat brought by tedious savings and savings offices.
After working in a limited TV station for two years and accumulating experience, Jean transferred to TBS traffic radio station, which not only increased her income, but also made her more satisfied with various benefits and systems. According to media reports, for experienced office workers, if they change jobs, their annual salary will increase by 6.5%, while many will increase by 5 1%, and most will increase by 2 1-30%.
How to say, the book review is written here, and I feel that I have too much say. My first job was to make money while reviewing the public exam. In the first company, I didn't have many classes. I only went to work for three days from Monday to Friday, and it only took two hours at a time. Come to class on Saturday and Sunday, and have a rest when there is no class. The basic salary is 400. I just worked for half a year with a monthly salary of less than 800. Finally, I didn't get into the civil service. Later, I learned that it was unbearable for those high school students around the university who didn't do well in the exam to get 3000+ a month, so I jumped to the second company-the eight-hour working system, and I had to attend at least two students' classes every day. There are more classes on weekends, and basically 10 hours of regular classes have increased my income by 10 times almost at once. In addition, during my work, I was admitted to the village official in our city-half a foot within the system. Now the salary is fixed, and the most important thing is to have five insurances and one gold welfare. Although I don't have a high income in the peak season of my second job, I am relatively free and have more time to do what I love. By the way, during this time, I'm still sticking to the code word. I accidentally wrote two explosions, which made me a recommended author. I am really proud of myself. Of course, this is also inseparable from my not forgetting to improve my workplace skills after work.
As Jean suggested, please write a document explaining what your business is, the necessity of your business in this unit, and especially your unique and different advantages in this business. And these advantages will certainly help when the unit evaluates your job-hopping and prepares for your resume interview. More importantly, it can also let you know how much you have grown in this job. If you just want to make money and find that you have made no progress at all, then why continue to squander your youth? You might as well change your job!
You know, only unremitting efforts can bring you luck to jump to a better unit again and again. Only friends who dare to face and accept challenges at work can improve themselves in their favorite fields.
In the spring when I was 29, the sun was particularly dazzling.
10000000( 1 100 million won, equivalent to about 6 1.8 million yuan) came to Jean's bank passbook.
This 654.38 billion won is the result of her not buying brand-name bags and spending a little money on dressing. It is a delivery room that strives to save a little salary and does its best in the passbook; It is the fruit of spare no effort in youth.
Holding the firm belief that she will have her own house one day, she insisted on saving money and finally ushered in that day-she bought a small apartment with three bedrooms, one living room, one kitchen and one bathroom completed at 12.
Of course, this article is about the inspirational story of South Korean female wealth manager Zheng saving money to buy a house, for reference only.
If you are in China, you happen to be in a first-and second-tier city according to the current housing price growth rate in Beishangguang. Hehe, carefully study these nine financial management methods and postpone your goal of saving money to buy a house for five years!