Me and money
Money is very important to many people. Money can be used as a weapon, a target of desire, a tool of generous sympathy and a symbol of success. In fact, everyone will bring all kinds of emotions into the money lifestyle. Many times, we turn a blind eye to the complex relationship between money and feelings, and sometimes lack of knowledge in this area will have terrible consequences.
Knowing who you are has a lot to do with how to deal with money. Everyone's money relationship is different, but we can learn the seven most common money relationships, which will be of great help to financial management.
Seven views on money
● Money orientation:
Think that money is everything, everything is measured by money, and don't pay attention to other important things in life, such as interpersonal relationships, your own happiness, etc ... You will be more inclined to the idea of rich people, or you will sacrifice your satisfaction for money. People who dream about money in the future may let money dominate your life.
Small sheep type:
The relationship with money is as childish as a child, refusing to take responsibility, leading to all kinds of irresponsible behaviors, such as spending money at will and handing over finances to others for management. Money and its accompanying things are threats, and they have a fear of money. Being irresponsible for money is the best defense. They refuse to try to manage money.
● Manipulate others:
For people who like to manipulate others, money is a very good weapon, which can be used to instruct, punish and express disapproval; Angry people will use money to wage war on others in various ways, even unacceptable behavior. For those who like to manipulate others or be angry, money is a more efficient tool for their behavior.
● Fear of poverty:
No matter how much money you have, you are always afraid of not having enough money. Fear of poverty is always more real than the wealth you can get. People who worry about their own safety always care about money. They are afraid of running out of money, losing it and being taken away by others. Everyone has this tendency to some extent. Fortunately, although this fear is universal, it can be overcome.
● Types of money martyrs:
Money is a very effective tool for those who think they are victims. They will make hasty decisions and have unrealistic expectations. Even if they believe that this is a doomed investment and financial management method, they still choose to stick to it. The reason for persistence is not clear. They haven't done research, they like to spend money indiscriminately, and they don't know how much money they have.
● Everything goes well:
Keep a relaxed attitude towards money, be calm, believe that money is only a part of life, think that money is only a tool, treat money decisively and confidently, respect money, and everything goes smoothly, no matter what happens.
● spread happiness:
Only in a generous and sympathetic way can there be happiness. Such people are not controlled by money. They use money to express their deepest sense of value. They not only treat money calmly, but also know how to seek benefits for others.
marry
Marriage means sharing resources, which is complicated by emotional factors, as well as two families, two people, two goals and needs. Integration is a challenge.
It is difficult to achieve perfect equality of money in marriage. Without good communication, inequality will cause problems. The most common inequality is that one party usually earns more money and should have more power over it? Different consumption habits. One pays attention to economy, the other pays attention to eating, drinking and having fun in time, saving money is less fun, and financial affairs are not open, which will also hurt the feelings of husband and wife.
Coordination direction:
● Put the money in the same account, and keep it separately.
● Share the household according to the income and put the money together to pay for the household.
Who will pay the bill?
● How to deal with the extra expenses?
How to use the extra money?
● Share experiences and ideas about money.
● Make a budget
* * * The same goal
divorce
The complexity of divorce is beyond imagination. Even if we break up in the most harmonious atmosphere, there are still nervous emotions and difficult choices. Financial problems are often the main reason for the most confusion. When it comes to divorce, it is impossible not to talk about money, the family is divided into two, the assets and liabilities are divided, the house is sold, alimony, raising children and so on.
When starting a single-parent family, you must reconsider your financial situation. Put forward the following suggestions:
● In the face of the new situation, it is necessary to cultivate brand-new money habits.
List all your assets.
How much money can you use immediately?
● How long does it take for money that cannot be used immediately?
● Assess how much money you need?
● Draw up a budget.
If the money is not enough to pay for your life, the plan you will take. ?
retire
Retirement is the dream of many people. What kind of freedom do we strive for? Retirement is the golden age that everyone expects. We have the opportunity to do what we want to do and go where we want to go at our own pace. Once we retire, the years of making money are over, and we begin to live with the money we have saved. In fact, most people will feel uneasy when they retire.
Preparation before retirement
Pay yourself first. The first thing to understand is that you must save money and invest. Some people have low incomes, so you can start with a small amount and increase the amount later. The point is to start and let time accumulate wealth for you. Investing in pensions is like a long marathon, and it must be started as soon as possible.
Let pensions grow.
When there is an emergency, you often want to misappropriate your pension for emergency and use it, which is equivalent to using your own money to meet the current needs. This is very unwise. When you have money in the future, you will still have a great investment loss. As far as possible, you don't need to use your pension to keep him growing.
Care for the elderly
The cruel fact is that human beings will eventually grow old and need to rely on family and friends. The most likely thing is to rely on the health care system. The stage that needs special care is the most worrying financial problem. At this time, you have to be rich, even very rich, to arrange the life of the elderly. If you don't prepare in advance, people will often be at a loss when you are affected.
Death of a loved one
It seems boring to sort out the finances after the death of a loved one. In fact, it is dangerous to take action to deal with financial affairs too quickly. It is easy to make wrong decisions when you are sad. It is the best policy to let yourself grieve and heal without making too many financial decisions.
Some people think that financial decision-making is a great burden, and it is very dangerous to hand over future financial management to others. You might as well handle the money yourself.
Besides inheritance, income is usually the biggest stress, especially for the deceased relatives. If they are the main source of income for the family, the following points must be evaluated:
● What is the source of income?
How much income does life need now?
How big is the gap between income and demand?
● Is it necessary to increase new sources of income?
● Need to reduce expenses?
If the evaluation results are satisfactory, no changes are needed. If you don't have enough money in the future, you need to adjust your lifestyle, choose cheaper accommodation, find a job with higher salary, return to the workplace, and so on …
heritage
Get someone's money
After the death of a loved one, if you are about to get an inheritance, no matter what your situation is, it is hard to say whether it is an unexpected wealth, a blessing or a curse, because it is not hard earned, so it is easier to make wrong decisions when making financial decisions, so you need to pay special attention.
Advice on getting an inheritance
● It is suggested to do nothing first, save money and deal with emotional problems temporarily.
Calm down, you can think about the following questions and move in the right direction.
● What to do with the money (plan, dream).
● What harm may this money have?
Can you solve my financial life?
● What should I do for myself and others?
Leave a legacy
How to leave a legacy, we must make financial planning as early as possible, otherwise, in old age, let alone leave a legacy, it may also cause the burden of children's lives. How to dispose of the property after death is entirely in our hands, and it is also the last chance for money to speak for your life. The final disposal method represents the last thing you want to express in your life.
label
My relationship with money is money-oriented, but I hope I can become a fun-loving person when I have money in the future. I think I value money more than ordinary people can imagine. For me, losing 1 0,000 yuan is a bit painful. If it is less than 20,000 yuan, I will feel that I am dying, so it is very troublesome. I always comfort myself and let myself listen to more positive energy.
Financial planning is much more complicated than I thought. At present, I always set a monthly budget and keep saving and investing, but I haven't considered how to deal with major financial events in my life, such as marriage and the death of relatives. In fact, if I can plan ahead, I think it will be much smoother when the event happens.