"10 little secrets about money, please keep them away. Featured 2

This article is an original work by Diamond, the columnist of Rong 360. It only represents the author's personal views and does not represent the official position of Rong 360. Please contact the author for authorization for reprinting.

I went out to play with friends last week. A few of us took a friend’s new car and went for a drive. So everyone began to talk about the topic of cars. After all, I have been working for several years, and there is no big expense in life. I still have money to buy a car.

I said I like a car, but if you pay a down payment of 80,000 yuan, you will have to pay back several thousand a month in a few years of loan. It is not enough to live on the loan.

A friend who drove said, buy it in full, like my car, when I bought it, I brought it with 160,000 cash.

We asked, isn’t there a 24-month instalment payment without interest?

He said that since it costs so much money anyway, it is better to pay all at once. Besides, how can installment payments carry a pocket of cash domineering.

Others spend whatever they want, but I don’t agree with this concept of consumption. Because my friend’s practice of buying a car in full, reminded me of the very important point mentioned in the book "Poor Dad and Rich Dad" that I read before-cash flow.

The rich are good at borrowing money from others to increase their own liquidity. There are opportunities to make money in many places, but a little raw capital is needed to make it work.

There is a lot of speculation on the Internet of the rich thinking, and many people are telling the behavior styles of the rich they have seen. However, there is more than one way to make money in the world, and people's personalities and thinking are also very different. In addition to personal strength, there is also a very important issue of opportunities of the times, so it cannot be generalized.

The experience of studying and living tells me that it is not so much the thinking of the rich, but rather the rich have a more rational view of money than ordinary people.

A more rational view of the nature of things, a more rational consumption outlook, and a more rational attitude towards life.

Just like the friend I mentioned earlier, he felt that he would spend a few years of savings to buy a car, so he would not have to be in debt and he was very angry.

Although the place where he lives is only a 10-minute walk from his work, his monthly income from hard work is only a few thousand yuan. The reason why I want to buy a car is just to make it more convenient to travel.

Because he spent all his work savings, he can only work harder to make money to keep a car.

And we all know that in a few years, the value of this car worth more than 100,000 yuan will plummet, which is not a wise choice.

We can pay attention to the real rich people, they will always restrain themselves and have a rational consumption outlook. They will never pay immediately because of an impulse. Their decisions are all well thought out.

Therefore, only by learning to make ourselves more rational and upholding a more rational view of money can we gradually become rich. To cultivate a rational view of money, I think we can learn a lot from these five books.

1. "Abnormal Fool"

Normal decision makers often make foolish decisions, while they themselves are still in the dark. These silly mistakes will appear in many decisions, including shopping, investment, employment, and mate selection.

Many people’s actions are consistent with common sense and normal, but they are wrong. This book is based on the Nobel Prize-winning behavioral decision-making science, and based on the author's more than 10 years of management teaching experience, to help you reveal the decision-making mistakes that people ignore in work and life, and teach you how to correct them.

People unconsciously put their money into different mental accounts. In fact, as long as it is the money in your account, there is no difference, and they should not be divided into special accounts.

Regarding sunk costs, you bought a 1,000 yuan concert ticket and accidentally lost it. Should you go or not?

Many people will choose not to go, because if they go, they will have to pay another 1,000 yuan. In fact, the lost tickets will not come back again. The 1,000 yuan is a sunk cost. If we focus too much on this, we will make normal but wrong decisions.

2. "The Millionaire Next Door"

The author is Thomas J. Stanley. Doctor of philosophy, writer is also a social survey researcher. Since 1973, he has devoted himself to the study of the conditions of the rich.

The content of this book is mainly developed around typical cases, and often adopts the method of contrasting pros and cons. As the protagonist's life experience progresses, the discussion deepens step by step. The protagonist’s experience and lessons are often expressed in pearl-like vocabulary, which is thought-provoking.

From all aspects of the life of a millionaire, including financial investment, wealth accumulation, clothing, food, housing, transportation, children's education, and inheritance distribution, this book shows the real life vision of millionaires and tells us how the real rich live. .

It is also a life textbook, and we can learn some useful lessons from the successful experiences of millionaires.

After reading this book, you will find that the rich do not spend money like water. On the contrary, they treat money with extreme caution, they will also shop around, uphold the life philosophy of diligence and thrift, and know every penny where they go.

Gathering sand into a tower, money has no distinction of size, only what should be spent or not.

3. "Puppy Money Money"

"Puppy Money Money" tells a fairy tale: One day, Gia found an injured hound and brought it home. But who would have thought that this ordinary four-legged animal is a real financial genius. Gia and the puppy became friends, and learned from him that all her wishes can be realized.

From this fairy tale, we can understand some of the secrets and truths of money, as well as the methods of investment and financial management.

(1). Make money by solving problems for others

(2). Focus on what you know, what you already know, what you already have

(3). Write a success log to set goals and strengthen self-confidence

(4). Divide money into three parts: daily expenses, dream goals and full goose account

(5). Investment

Money has some secrets and laws. To understand these secrets and laws, the prerequisite is that you must really have this desire yourself.

Too many people hesitate to do things because they don't think they fully understand one thing. And it is much smarter to actually put it into practice than pure thinking.

Sometimes we don’t need to fully understand why this method is effective, nor how it works, the key is that it works!

4. "The Pipeline Story"

The vast majority of people live on the wages they get into the card every month, and they go out to buy and buy as soon as they get their wages. Their view is that the work is so hard, of course, they have to reward themselves.

Therefore, even if they work longer and longer, they can only maintain a balance of payments.

why?

Because they implemented the wrong plan in the wrong understanding, they fell into the money trap.

Doing a day's work to get a day's money, doing a month's work to get a month's wages, never got rid of the shackles of poverty. Whether you are a small white-collar worker with a monthly salary of several thousand or an elite with an annual salary of several hundred thousand yuan, you still use a portion of time to trade a portion of money.

If you can’t work because you are fired, sick, or injured, your salary will stop and your life will immediately fall into crisis.

To get rid of the trap of exchanging time for money, only by building a pipeline that can bring continuous income, so that you only need a one-time job, and you can get paid continuously.

One pipeline is worth a thousand payrolls. The pipeline is generating benefits for you day after day, year after year, whether you are still working or not.

It takes a lot of time and energy to establish our own money pipeline. It also requires us to restrain our desires and cultivate a rational consumption concept. Only in this way can we obtain the ideal financial security.

5. "Learn to spend money"

Even Bill Gates, the richest man in the world, said frankly: Spending a sum of money cleverly is as difficult as earning it.

In the world of finance, one wallet becomes three wallets-consumption, investment, speculation

Consumer wallets—we usually buy and buy in order to satisfy our desires. Dining, taxis, and travel all belong to the category of consumer wallets.

Investment wallet-sign up for training courses, buying financial products is an investment.

Speculative wallet-it is consumption with a fluke gambling mentality, such as buying lottery tickets, gambling cards and the like.

Try to analyze your recent accounting situation, and you will find that the expenditure part becomes clear.

Speculation is the most undesirable. Strive to turn three wallets into two wallets. Except for rigid consumption, that part will be used as savings, and another part will be used for investment.

If we compare our income and property to a reservoir, then our ability to make money is equivalent to an inlet pipe. To maintain a steady flow of water, that is, to have a stable economic source, then you can accumulate more and more.

At the same time, our daily expenses are the outlet pipes. If we set aside too quickly and too much, we will never have savings, and we will never become rich.

I think the difference between the rich and the poor lies in their rational attitude towards money.

Money is a double-edged sword. With a correct view of money, you will eventually live a prosperous life.

And if a person can’t view money correctly, even if he was born in a rich family, he will become poor because of spending money.