Building the country through thrift is a frugal style that China people have always advocated. Diligence is China's traditional virtue. As the saying goes, thrift leads to failure, and luxury leads to failure. This sentence is about the important role of thrift as a virtue in the rise and fall. The idiom "thrift" means "ability". It refers to being able to govern the country diligently and manage the family diligently.

The Qiao family in Qixian County, known as the No.1 Qiao in the world, has assets of12 million silver, belonging to dajia, one of the few wealthy businessmen in Shanxi Province. Its initial wealth was made by grinding bean curd when Qiao Guifa, the ancestor, went to the Great Wall alone. The difficulty of starting a business can be imagined. In order to keep the family wealth accumulated by their ancestors, the descendants of the Qiao family inherited the spirit of hard struggle of their ancestors.

After the Qiao family got rich, they just built a decent quadrangle in the old yard. Qiao Guifa knows that if you make money in business, you have to pay the price. If you can afford it, you can be invincible. When business is booming, he will save the money he earned for a rainy day, and teach his children to be thrifty and never waste it.

By the time of Qiao Zhiyong, Joe's family rules and regulations were clearly formulated in the nave to restrain his children. The main rules are: first, no concubinage; second, no abuse of servants; No whoring; No drug abuse; Do not gamble; No drinking. Joe's children can basically abide by the above terms. The word "Shen Jiande" on the door of the old house in Qiao's courtyard still exists today. It is these words that have thrived in the business years of Joe's parents for more than two centuries and created a huge family business for Joe's family.

All successful entrepreneurs at all times and all over the world have experienced the hardships of starting a business, and some even experienced 81 difficulties, paying the price of blood, tears and even life. As we all know, it is difficult to start a business, so not everyone will understand.

As the saying goes: three generations of wealth, this sentence has almost become a curse in people's hearts. The first generation of entrepreneurs worked hard and persevered, and set up a family business. The second generation of successors are well aware of the hardships of their predecessors, so they can be conscientious and diligent, and some can carry forward the enterprising spirit of their ancestors and create wealth far beyond their predecessors. In the third generation, children and grandchildren will enjoy success, pamper themselves on the heritage of their ancestors and stop fighting. For them, starting a business or not seems to have little meaning. So the third generation is often the beat generation, the declining generation, and the declining generation.

Li Ka-shing, the richest man in Hong Kong, thinks that China's old saying "You can't be rich for three generations" needs to be revised in the future, because today's education and organization are different, but your career can continue. He believes that different educational methods adopted by parents will have a great impact on the future of the next generation.

Parents are the best teachers for children, and Li Ka-shing is such a good father who sets an example. He educated and trained his children in the way of being a man and doing things, and finally made his two sons as good as himself. In an interview with Hong Kong media, Li Ka-shing said: Personally, food, clothing, housing and transportation are frugal and simple, just like 30 or 40 years ago, and there is no difference.

Li Ka-shing's house is still an independent villa in Deep Water Bay purchased before marriage. As always, as the richest man in Hong Kong, he has never lived in a top luxury residential area for more than 30 years. Li Ka-shing has two yachts; It has been used for many years, and now it is not luxurious; The most recognized is Li Ka-shing's clothes. He often wears a black suit, not a famous brand, but also old. Li Ka-shing himself once said that I don't pay much attention to the brand of clothes and shoes. The watch in my hand is also very ordinary, and it has been used for many years.

In the company, Li Ka-shing eats a working meal like a clerk. He went to the construction site to inspect, and the workers ate lunch boxes. He still eats with relish. Li Ka-shing doesn't smoke or drink, and rarely dances. His only hobby is golf. He spends a lot of money on public welfare, but his personal life is so frugal, which is really thought-provoking.

Diligence is the traditional virtue of the Chinese nation. Diligence can make a tower out of sand. It is true that Li Ka-shing's wealth is not accumulated solely by thrift, but more by honest business, but we still cannot rule out the important position of thrift in wealth accumulation.

From Shanxi merchants and Li Ka-shing, we can see that anyone who has made achievements in his career knows that wealth is hard to come by and knows the truth of cherishing wealth, because only after experiencing the hardships of starting a business will he understand the ups and downs of starting a business. Nowadays, many people in our lives are either rich or rich, but many of us are not talking about waste. We think it doesn't matter if we waste a little. As we all know, today is not important. In order to make our life easier, to give our children a good environment for growing up, and to make our life sweeter, we should learn to save daily expenses, starting from ourselves and starting from the dribs and drabs of life.

Working hard, spending easily and advocating financial management are contemporary people's outlook on life. The reason why people should work hard and advocate financial management is because we are pursuing easy consumption and happy consumption, so that our life journey will always be full of pleasant colors. Dazzling wealth is accumulated from every penny, so family financial planning must start with daily expenses.

Daily expenditure savings are generally divided into three categories: 1, fixed expenditure; 2. Variable costs; 3. Flexible costs.

1, fixed fee

Such as rent, housing, car loan, insurance, housing management fees, etc. These expenses are generally fixed in a certain period of time and can be accurately predicted. At the same time, before making other expenses every month, we should set aside such expenses.

2. Variable costs

Such as clothing, food, water, electricity, electricity, medicine, transportation and communication. This part is also compulsory expenditure, but the amount can be somewhat reduced and can be adjusted according to the family's economic situation and conditions.

3. Flexible expenditure

Such as entertainment, communication, tourism, beauty and fitness, culture and education. This part belongs to non-essential expenditure, so it is the most flexible.

The proportion of the above three points has no certain pattern, which depends entirely on everyone's economic level and lifestyle, but the payment order is indeed certain: first, fixed expenditure, second, variable expenditure, and finally, flexible expenditure. And generally speaking, families with higher incomes spend more and more reasonably on flexibility.

In addition to the above three aspects, a family's income should also consider another arrangement: savings; It is mainly to prepare for future family construction, to ensure unexpected expenses and to make arrangements for future retirement. The importance of reserves is self-evident. In the arrangement of family funds, the arrangement of reserves should take precedence over flexible expenditures and even over variable expenditures.

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