When they hear about financial management, many people feel that it has nothing to do with them. They have no money in the first place. What to do with it? It is just a game played by rich people. The more money management the rich people have, the more they will manage it. Too much, the little money you have is not worth mentioning at all, and there is no need to manage finances.
However, a society full of financial management opportunities has given so many good opportunities. Small money can make a big difference. Any kind of savings and investment is a kind of financial management. Financial management is closely related to each of us. Different The method determines different benefits, but at least you must think that financial management is "my" thing.
If you don’t know how to manage your money, you will slowly lose it. If you have a good financial plan, you will see reasonable application and continuous benefits.
Poor people generally think that I don’t have much money, so there is no need to think about investment and financial management, and their understanding of investment and financial management is very shallow. But I don’t know if they have thought that if you don’t manage your finances and don’t increase the value of your inherent assets, then your inherent assets will undoubtedly shrink every day because inflation occurs every day. You can see this by looking at the recent rise in prices. What you could buy for 10 yuan half a year ago may cost 20 yuan today, half a year later. Therefore, the danger of not managing money is actually very high.
From an economic point of view, financial management is to solve the problem of how each economic entity obtains, allocates and uses resources now and in the future. It includes three aspects: "raising", "utilizing" and "adding value" to "money". The purpose is to raise funds at the lowest cost, use funds with maximum efficiency, and obtain maximum profits. It's a very interesting, very beautiful and very useful science. Don't reject it, give it a try.
In layman's terms, financial management, as the name suggests, is to handle money. No matter how much assets you have, if you use or handle them, it is financial management. The ultimate goal of financial management is to accumulate wealth and improve living standards and quality. It is said that 1/3 of the world's rich people rely on inheritance, 1/3 rely on entrepreneurship, and 1/3 rely on financial management. Don’t you want to be one of the 1/3? They became rich by managing money, rather than starting to manage money after becoming rich.
Generally speaking, there are three major misunderstandings about financial management: The first is that financial management is a matter for rich people. Small money does not need to be taken care of and is not worth taking care of. This is what most poor people think; the second is that they are biased against many financial products and believe that certain financial management methods are deceptive; the third is that they cannot face risks, as risks and returns are often inseparable.
Investment and financial management are games played by rich people, and they will play more and more. The financial management strategies of newspapers, TV, Internet and other media that are the source of public life information are all for them, a minority. Just serving people. In fact, if you really have such an idea, you are completely wrong. Is buying treasury bonds only for rich people? Do funds and stocks limit the objects they can buy? None of these restrict anyone. Financial management is not a matter for the rich, it is something that makes everyone rich.
Of course, among all living beings, the so-called truly wealthy people account for a minority, while middle-class wage earners and middle- and lower-class people still make up the vast majority. It can be seen that investment and financial management are closely related to life, and the poor who have no money or the "new poor" at the middle class who have just entered society and do not have certain fixed assets should not escape. Even if you are stretched thin and insignificant, it is still possible to "gather sand into a tower". If used properly, it may be an opportunity to "turn around"!
Faced with the turbulent Chinese economy and this era of rising prices, those who have no money Confusion will make more poor people think about how to use the limited money in their hands to generate more money through financial management. Rather than saying that this is the awakening of their financial awareness, it is better to say that this is an inevitable trend driven by China's economic status quo. From the initial simple savings to the ever-changing stock market, to the passionate purchase of a house, to the current fashionable funds. Suddenly, you find that financial management is like air, everywhere, no one pays attention to it, and full of life. It can be said that the era of comprehensive financial management in China has arrived. No matter how much money you have, you have to learn to take care of it.
A dollar is money, and financial management means taking care of your own money. As long as you love money and take care of it seriously, it will give you the same attention. No matter how much wealth you have, you must manage your money.
One day, a financial planner was giving a speech on financial management and found that there was a middle-aged woman in the audience with a sad face, which was particularly conspicuous among a group of people. A group of people gathered around to ask various questions, but the woman stood far away and did not dare to approach. When they were almost gone, she came over timidly. Carrying a very worn bag and wearing very old shoes. She introduced her income situation, saying that she lived alone with her children and could only have a few hundred yuan left a month at most, leaving her with no money to manage.
Financial planners say that the law has never stipulated that you cannot manage money if you have little money. The less money you have, the earlier you should plan. It’s not that she has no money, but that she lacks capital. This must not be a problem for yourself. It can be raised entirely through correct consumption arrangements and persistent savings. If you insist on saving 300 yuan a month and use the money to invest in the long term, if the annual rate of return is about 10%, it will become 655,000 yuan after thirty years.
Financial management is a part of your life. Don’t avoid or hesitate, but face it bravely. There's never too much money, and there's never too little money. Having no money to invest is not terrible, because all the rich people in the world started making money from having no money or very little money. The scary thing is that you have given in mentally. You believe that you have no money and cannot make money, so you form the lifestyle of a poor person. They tried their best to cut down on all expenses. In order to save food and seeds, they were even reluctant to plant any land. Your money will no longer be used to make money, and you will be left with nothing and become poorer and poorer.
In fact, many people, including some who are managing money, have misunderstood the meaning of financial management. They think that financial management is investment or even speculation. They think that as long as they use the money in their hands as a tool to increase value, they can let the money work for them. , maximizing capital profits is successful financial management. In fact, this can only be regarded as a more important part of financial management, not all. This misunderstanding is also the reason why many poor people dare not manage money. They are afraid that if they fail, their lives will be lost.
Don’t say you don’t need financial management. Buying bonds is just a form of financial management. The returns are higher than savings and the risks are comparable. This is a way of managing money that poor people are happy to adopt. Just look at the long queues in front of banks every time a government bond is issued. But the amount of bond issuance is limited after all.
Chinese people’s investment and financial management are still in their infancy, and a large amount of funds still exist in the form of deposits. According to statistics, currently nearly 50% of accounts in China have deposits that are not fixed for a long time. Some of these people don't know how to manage money, and some don't have time to manage money.
Now, do you understand what financial management is? Do you still think that financial management has nothing to do with you? Everything you do with money, including depositing it in the bank, is financial management. It’s just that different financial management methods will have different benefits. What you need to do most is to get rid of the mentality that "financial management has nothing to do with me."
When it comes to financial management, Xiao Zhang has deep feelings. Her understanding of financial management has gone through a process from indifference to attention.
After graduating from college, he left school and found a job as an editor in a magazine. The days that followed were uneventful. Faced with the problem of starting a family, she and her boyfriend began to understand and examine their lives. The monthly income of the two of them is about the same. For them who have never had the concept of financial management, they always have more money than they can make ends meet. After paying the monthly rent, water and electricity bills, and deducting daily living expenses, there is always very little salary left.
This kind of unplanned life continued like this until they began to face the problem of buying a house. After all the loan procedures are completed, there will be less money at their disposal every month. Financial management is inevitably on the agenda.
One time they were watching TV and saw a financial management expert talking about his financial management opinions. Two people wake up from a dream. If you don't manage your finances, you can't guarantee the security of your life. She also learned for the first time that in family finance management, the family's money should be divided into several parts, which should be used for life protection, emergencies and investment.
So they began to design financial plans for themselves according to the advice of financial experts, clarified their financial situation, and classified their monthly income.
Invest regularly every month and buy stocks. After some planning, although my life was a bit tense, I spent my money clearly and felt confident. After all, I finally had hope.
Don’t ignore the power of small money. Just like fragmented time, if you know how to make full use of it, the effect will be amazing over time. The most critical starting point is to have a clear and correct understanding, and establish a strong belief and confidence to win. Financial management starts with determination - don't think that investment and financial management is just for the rich - financial management starts with establishing self-confidence and strong beliefs.
And we need to clarify two pairs of concepts: "rich people/rich people"; "financial management/investment".
Maybe you have a lot of money, but you are not good at taking care of it, do not have the methods and brains to make money, and do not have the ability to make money make money, then you are just a rich person, not a rich person.
Today, when financial management is popular, not only the poor, but also a large number of wealthy people are unwilling to participate in financial management. The reason is that these people can be roughly divided into three categories: some are private owners who are engaged in real estate investment and have no time to take care of financial management. In addition, they need to maintain a high degree of liquidity in their account funds, with large capital scale and high turnover speed. They are more willing to put their money Put it in the bank. It is understandable that these people do not manage money. Their funds have been flowing in the industry and have not been idle causing a waste of resources.
Some are high-income groups such as senior intellectuals and scientific researchers. These people still follow the traditional Chinese concept of money, focus on their own careers, and believe that their income can meet their life needs. They disdain Yu went to study financial management. We cannot criticize his view of money as wrong. Everyone has his or her own view on money. Maybe they don't want to be rich, so they can choose not to manage money.
The other part is the more conservative middle-aged and elderly people who are not good at accepting new things and are even less willing to try risky investments.
You probably don’t belong to these three types of people. The first thing you need to do is to have financial awareness. If you want to become rich, take action. Treat financial management as an attitude and a way of life.