Bill Gate once said "spending money wisely is as difficult as making money". The same amount of money but when in the hands of different people they will have different flows and values. Some people will spend anything they want, some people blindly follow the trend and swipe the spending card to arbitrarily. There are also people who live saving each time buying an item must measure the cost effect. Money is a mirror, how you spend money reflect your vision knowledge and level.
Low cognitive people fall into consumer trap.
The Nobel Economic Prize is a world -class expert on research in poverty in the nature of poverty, he tells the story of a character named Parker. Parker is a normal farmer living in Indonesia, his family is very poor and sometimes he can only eat one meal for two days. As a result, Parker's body extremely loving him is not even strong enough to work or make money. In order to reduce the burden for his family, his children have to leave school or send them to their grandparents. However, when he visited Parker's house, he was shocked by what he saw in Parker's house, TV, video head and mobile phone in the corner. There are some tea and coffee. He was confused. Why does Parker find a way to fill his empty belly before spending money to buy expensive things and not too many benefits at the present time. Parker told him: I must have my own joy. He advised Parker that he could leave money to take care of his health or let his children go to school but Parker still did not hear when he had some money he would use it to buy things for entertainment. Later he discovered Parker was not the only one who had the same desire.
Most of the poor in this land are like that, eventually he concluded that the reason people were poor not because of income but because of low awareness. Many people are too absurd in consumption, they do not understand what they need most and never care about breakeven. So they constantly fall into consumer traps. The same story not only happens in poor Indonesia but also around us. Nowadays, more and more people enjoy their enjoyment as their male lead and put their good treatment to ourselves first, so we pursue anything in time and spend money on anything above. Today I will drink a cup of brand milk tea. Tomorrow I will buy a new mobile phone of a brand.
Unconsciously we have spent all the money but does not bring any added value to ourselves. There is a saying that "what really determines the gap between rich and poor is the level of awareness". The less you have the money you need to keep your mind awake. Please cherish each amount of money in hand and carefully consider the cost effectiveness of each expenditure. Take money into a really worthy place, do not blindly impulsive this is the alertness that an adult should have.
The person who has the mind looks far knows how to spend money
The famous financial planner David Back once said that money is usually not that you have too little income but you spend too much. When a person has no money is usually because his vision is too narrow and lacks a long -term spending plan. Only by always sending me the mood to prepare for a sudden rainy day, and forcing yourself to save you can easily cope with many different difficulties. There is a lecture like this. The lecturer was Sun Ling she worked at a factory during the new year of graduation and earned only 2000 yuan, about 6.5 million per month.
As soon as other female colleagues receive the salary they will be used to consume or to do the dowry, but Sun Ling is different, she does not want her life to stay in the factory. Incidentally, she started to learn about computer software. However, the training cost is too expensive, she is not able to pay for the first lesson. So after thinking carefully, Sun Ling began to save money, she planned to spend tightly to eat and drink every meal very simple and stop shopping for jewelry. Soon after she saved 30,000 yuan equivalent to about 97 million. She used all the money to register for classes and after completing the study, she found the job of becoming a programmer.
After that, she continued to save money and won money to invest in herself. She first improved her skills and learned English, then went to a university in the US to study more. A few years later with its outstanding ability, Sun Ling joined an Internet company in New York with an income of up to millions of dollars each year. While colleagues in the factory were still in the thread. Because of spending money in the right place, Sun Ling can reverse his destiny. Japanese economist Masato Noguchi once proposed the theory of three wallets. He believes that everyone has three wallets used to invest in investment and speculation. Consumption is the spending money to satisfy the desire to enjoy the individual. Speculation means spending money to earn luck, such as buying lottery tickets, collecting works of art, ...
Investment is a part of the cost and then receives long -term profits. Such as spending money to improve yourself and educate your children. The masters really have a vision and know how to combine three wallets as follows. The best principle of spending money "one more, one less, one reason". Speculasses less, more investment and reasonable consumption. Be economical when it comes to lavish and useless things if possible. Spend on things that enrich yourself when you need it, spend your money on valuable things and you will receive countless rewards in the future.
People with vision will spend money in the right place
The way a spending money decides a high level that he or she can reach in the future. People can be divided into three levels depending on the way they spend money. People at the level of a random spending and buying whatever they think of. Only pursuing short -term happiness without leaving any funds that have hidden dangers for the future. People at the second level can save money and tighten money. Although you can guarantee your life, you miss more experiences and have never really lived for the present.
People at the third level, know how to spend money and can eliminate it in really valuable things. They let money generate money, double profits constantly increasing their value for themselves and having a richer life. There are people who once said wealth like water in the pond, they circulate each mg. What we need to do is make the cash flow more valuable and more cost -effective.
Firstly, spending money on health. Have you ever noticed the health traps around you. Many people are only interested in making money without caring about their physical condition, they wait until the small problem becomes a big problem before solving it. Typically, most of the money saved in life are erased in just one illness. Early health spending is called investment. Late chi is consumption. When it comes to taking care of our bodies not stingy, you can set up a health account and regularly send money into it to save health examination, medical treatment, etc.
Second, spend money into relationships. There is a good saying that "if you want to go quickly, go alone, want to go away with the collective". Money is a wing that can only let go of you can get more, when you are rich, share a part of your large piece of cake. When others have difficulty, help them with others will also remember your kindness and give you a reward twice a day in the future. The amount you spend on today's relationships will become a ladder to help you advance in the future.
Thirdly spend money on your own development. Instead of having money, it becomes worth making money from investing more important than making millions of dollars. In this rapid changing era, your current special skills can become worthless after a few years. If you want to avoid being eliminated, you must constantly develop your ability by improving yourself constantly learning, updating skills knowledge, your value and income will increase.
Someone who once said a person's understanding of money will affect that person's choice and eventually decide their fate. Your money and time where your life will go there, blind consumption can only satisfy the frivolous and temporary boredom. With a reasonable investment plan and spending money in the right place, you can constantly reap the surprises and development.