0 1. Time = money (explain the meaning of financial management)
On the first day of class, the novice tutor's small book class first explained the correct way of thinking: "think about how to manage money with the thinking of the rich." What are poor thinking and rich thinking? Only considering the present moment, not having a long-term plan for quick success and instant benefit, or investing heavily knowing that there is no return (no stop loss in time, no sunk cost) can be collectively referred to as poor thinking. On the contrary, it can be said that making a long-term plan, how to invest less and produce more, and measuring the conversion income with time units can all be said to be the thinking of the rich. Getting rid of bad habits correctly and thinking correctly will make things more effective.
After correcting the correct way of thinking, the instructor Ban Ban Xiaoshu explained what compound interest is, that is, time is the answer to money. The accumulation of time means more money. There is a huge gap between saving money at 20 and saving money at 30. The gap between 20-year-old compound interest and 30-year-old compound interest is also very huge. The former completed the accumulation of quantity ahead of time and achieved a qualitative leap ahead of time. The latter is still on the way to accumulate quantitative changes. The longer the compound interest, the more compound interest, which not only beats inflation, but also generates a lot of money (return).
By the same token, the sooner you start to learn financial management knowledge, the sooner you apply this knowledge to financial management and improve your working thinking, it will bring more money in disguise. The earlier you start exercising, the more you start exercising at the age of 20. At the age of 30 and 35, you will get different mental and physical states. A good state will also help us save time, and the extra time will become our own capital.
02. Accumulate ≠ time (make a good investigation before copying)
The tutorial also explained the characteristics of the "inflation rate monster". From 2008 to 65438+2008, after the national economy improved every year, our money in hand gradually increased. The rate of price increase is 27%. If the national GDP is subtracted from the money supply, the inflation rate is 6.9%. If you just save the extra money, the wages earned by working overtime and staying up late will begin to depreciate at the moment of saving, because bank interest can't win inflation at all. Our accumulation at this time is a loss-making business, and time has not become money, my friend. How important it is to know how to manage money! )
I held my calorie high and shouted at the inflation monster, "Give me back my hard-earned money!" " The inflation rate smiled: "Teenager! You can't beat me if you don't learn financial cheats! Just let me eat up your old books! Wow, ha ha ha "arrogant laughter resounded through the valley … the cold rain beat wildly on me …"
03. Six-character mantra: Oh, money goes to my house.
? The mentor board tree appeared in a holy light. "The inflation rate is not terrible, see how to fight." After the speech, he gave us a six-word mantra, "Oh, money goes to my house."
There is another translation of the six-character mantra: fund stock insurance (serious face)
The following is my understanding of novice Xiaobai:
1. Insurance is to provide us with extra protection in case of accidents, and various fancy insurances with extra returns are often not suitable. The most fundamental purpose of insurance is protection, spending money to buy protection. Buy consumer insurance, accident insurance, life insurance and critical illness insurance.
2. Funds, money funds, bond funds, stock funds, index funds and so on. Index fund is a passive and rising variety, just like a company's wealth and profit rankings, only good results can be listed. If you buy according to the list, at least you won't be cut.
3. Reverse repurchase of national debt, which is a relatively safe good thing, will have additional income on special days. For example, the upcoming New Year's Day.
? The six-character mantra is really profound, and I'm afraid I can't understand it at all for a while. The road to practice is long, and the monster of inflation rate is still waiting for me to defeat! Hold my little fist and shout that I can't lose!
04. The road to customs clearance, without hesitation.
At the novice stage, I have limited skills to upgrade, and I still look like a fool. The tutorial class began to teach the cheats "Rational Planning and Allocation of Your Assets".
10%, 20%, 30%, 40% different sectors allocate their own principal reasonably. Let your principal reasonably generate compound interest.
The lecturer course also teaches exclusive secrets:
1. Try to save money in bonus hunter through various credit card discounts, vouchers or discount activities of the application itself.
2. If you want to pay back the credit card, you can add interest on the balance treasure until the repayment date.
Work hard, this is the only and very stable open source method at present. Of course, if you can get extra income through other channels, you will have to applaud. These are the principal for future study and investment.
05. The sky is high and the clouds are light and the snow is long * * * Who is on the same plane?
The novice instructor class led us to surprise day and night 14 days. After studying it, it's a little annoying. Why didn't I know this prospect earlier? A few years late, what is missing is my RMB! These are my weapons to beat the inflation rate!
Important experience: can make a table, can make a table, can make a table.
Organize all the credit card apps in your hand and see what activities are 50% off in those days and what brands you cooperate with. In addition, some activities of UnionPay have decreased recently. There are other word-of-mouth, public comments, and full reduction activities that can be saved before eating and spending.
Credit card points and Alipay points can be carefully studied how to use the most cost-effective.
After all, you can knit scarves and gloves with more wool, right?
When using credit cards, you must pay attention to overdue. Any less overdue is a stain on the credit information, which will affect many things (remember to remember).
Calculate the time cost more, and don't spend time on useless things, such as waiting in line for 4 hours to eat hot pot? (ˊ? ˋ*)? .
Sort out your usual expenses (it is best to start bookkeeping) and see what unnecessary expenses are left, such as milk tea, duck neck and other snacks. These expenses are the principal that can be invested.
I intend to continue to study funds and stocks in the future. Although index funds are safe, they need to be valued correctly, otherwise they are leeks. I also want to have the ability to analyze a company and see the industry, which will not deteriorate with age. This ability is very valuable. This is the advantage and charm of learning.
There are also some sisters from Xiaobai Training Camp who participated in the later study together and encouraged them to advance together in the future. The sooner they study, the sooner they can manage their money correctly, overcome the "inflation rate" in the right way, accumulate the principal and begin to compound interest. (? )?
Time is money, my friend!