01, dog Money
Bluntly Well, I read the "puppy Money" main purpose is, not in terms of wealth creation dragged her hind legs - if her daughter like this book to my daughter as the main financial management, as parents, we You can not laugh, can not stop.
Before've read "Financial Freedom" author "puppy Money," the Bodo Schaefer, but unfortunately, I have not read the book because it embarked on the road to financial freedom - financial freedom will be able to read a book, really lame.
But "Financial Freedom" indeed subvert a view I held twenty years: money never earned endless, enough to spend on the line - I take these words as an excuse, then "behaved" to life twenty years:
Before work, I pursued criterion is - to spend as little as possible, try not to waste their parents hard-earned money; but never expected to make money on their own initiative.
After work, I pursued criterion is - as much overtime as possible overpayment point out overtime wages; but never thought to carry out spot sideline to earn money.
02, the wrong concept of money
Last month, my sideline income for the first time more than the main industry.
I am proud to praise himself again in front of their parents, they also feel happy for me, but also left a "Classic Quotes": money never earned endless, enough to spend on the line.
Having heard this, I suddenly realized that I was wrong concept of money for a long time ah!
But tell the truth, even if it is the main business income of more than a sideline, I still find enough money to spend - I want to buy suites, have not got enough down payment; daughter should be reported to Lego, plus rabbit bear, love Tony English, because all of a sudden to many still hesitant in spending.
If I start a little earlier sideline rather than in words seven months ago, and now much of the income will be considerable. Thus, people once formed a misconception in terms of money, it is difficult to make practical action to improve the living environment .
Anyhow, there are so short, called "The best time to plant a tree was a decade ago, is now and then." I started seven months earlier than it is now.
03, the correct concept of money
Speaking of the correct concept of money, I have to mention a university student, we call him cloudy.
We are a university in 2008, that time, each class will have a quota of several student loans. Once the application on a student loan, you can repay the loan in college and then graduate, and is interest-free (subsidies) in.
Flanders will apply to one of those places, his family condition is not too good, to apply for student loans is as it should do.
Graduated from college, we drank together, because far apart, we drink more. Drinking wine chat together when we say to Flanders, home tuition in fact lobbied for him, but he put those fees are saved on a regular basis.
At that time we are shocked, but there are still such an operation! In the case does not violate the system, the practice of Flanders arguably the most correct concept of money.
While the money in the bank on a regular basis is not the best "money begets money", but whatever the outcome, there is interest, at least for a look at "inflation" back ah. Moreover, this is a zero risk.
04, the goose that lays golden eggs
Was young, I heard Aesop's Fables this little story:
One morning, the farmer went to his goose 's nest, and saw a golden egg. He put the eggs to take home, pleasantly surprised to find that this is a golden egg.
Since then, the goose farmers are under a golden egg every day. He regarded the golden egg every day to get the market and sell it, he soon became rich again.
But slowly, the farmer becomes more and more greedy, he thought: If I cut open the goose belly not be able to get a lot of golden eggs. So he killed the geese, but geese stomach nothing.
The farmer could not have golden egg, because he put the golden goose killed.
Mother said I was a kid is very smart, moral of this story is naturally easy for me, contented thing. But the moral of the story is much more than that.
There are a lot of people are born when there will be a goose that lays golden eggs, it is forced to admit the fact. But more people, like me, was born "penniless", want to have a goose that lays golden eggs, you will have to make money, you will have to save money.
Unfortunately, a very long period of time, I have no sense of money, not saving consciousness; not only did not, but accustomed to maxed out credit cards; not only maxed out credit cards, also owes a debt ass - think about those days just work really is silly not pull a few ah.
Later, the desire to reduce consumption, improve the earning power, although not in debt, but always moonlight. Day over day by day, month after month moonlight.
Think of my college classmates cloudy, he was really good at a new goose - shame ah.
05, raise a goose
Whether for his daughter, or to myself, to have the time to raise a goose.
First, the credit card must be stopped , because the credit card on behalf of a certain extent, our desire for consumption, and is also impulsive consumption, which will kill a goose.
For a long time, I think a lot of the benefits of credit card, spent this month, next month also, no fees, but also earn interest on deposits white month the bank. But the practice for so many years, have been found on several occasions forced to amortize, take a lot of fee ah.
Moreover, now credit card to charge a fee.
Secondly, life must not be used to save up half the money , because this part should save up the money to accumulate the bird under the golden goose.
Of course, this part can not save up the money to spend, because it took the equivalent of killing the goose. Some often heard parents say their children will save up some money, as a child dreams of the future fund, I think this approach is still quite desirable.
Finally, we must learn to invest , because only put money in the bank, it is bound to run faster than inflation.
If the pursuit of stability, it can be fixed investment funds, the proposed election of those "vicissitudes" of the fund - which is part of the reader to give me advice. If adequate funding if the proposed purchase of real estate - many rich people are so dry.
Around a lot of friends who work in first-tier cities, wages are very impressive, but mortgage stress is very large first-tier cities, you can actually choose to buy property in second-tier cities, after a few years whether to sell or lease, revenue is still very substantial.
You can also test the water can not control those areas, such as the chain block, but it must be affordable within their scope.
06, finally
I pulled out five key rules of wealth from the book "Money dog", for your reference:
• At first, the meaning must be clear about your money - money is not among the most important things a person's life, but if short of money, money is more important.
• You can be your own biggest hobby as a career, and no need of you will not like the job to earn a living.
• If you want to do something, please complete within 3 days or it will sink forever in your TODO list inside.
• The best way to cut costs is to get rid of the moon, to the deposit of money in savings - will keep a goose that laid the golden egg.
• learn to invest, and flexible use of the formula 72, easily calculate compound interest.