I believe everyone has heard or read a financial management primer, Poor Dad Rich Dad. This book has a basic financial management viewpoint, that is, spend less, save more, and use the saved money to buy assets that can bring income, so that financial freedom can be perfectly realized.
The meaning of the above view is not to let us just save money foolishly-saving money alone can't beat inflation-but to save enough money as the principal to buy high-quality assets. I'm afraid China people like to save money all over the world, but for many young people, especially those in big cities, saving money is a very difficult thing to accomplish. Therefore, words such as moonlight clan, card slave and negative woman have emerged.
why do many people always fail to save money? This is understandable if one's income is too low to save money. And many friends with high incomes in big cities can't save money, which is worth pondering.
Jiangnan Yilin analyzes this problem according to his own experience and numerology. Jiangnan Yilin concludes that there are five reasons why he can't save money. Improper making friends
Improper making friends here in Yilin, Jiangnan refers to making friends that should not be made, even villains; Second, it refers to the wrong way to get along with friends.
When I was young, I invited guests to dinner and entertained people. In general, or lend money to friends; Or cooperate with friends and fail to start a business; Or be cheated by friends and customers; Or if there are too many brothers and sisters to support them, etc., these are mostly the consequences of shoulder-to-shoulder, robbing money as a taboo and making money.
Jiangnan Yilin often meets such clients and friends. They usually get along well with others and associate with friends. Because the dough is too thin, nine times out of ten, they pay for their own meals, one hundred or two hundred or three hundred at a time, which is a big burden for a long time.
Suggestions on how to solve this kind of financial ruin: First, sum up and reflect on the friends you have made for many years, which are true friends and which are just snobs. Some people associate with you mostly at your expense, and when you need to ask him for help, he hides faster than a rabbit. You'd better give up this kind of "friend" early. There are also some friends who always fool you into doing something unreliable. You lose money and he benefits from it. This kind of person is even worse. The second point: when dealing with friends, we should be polite. Although we don't have to calculate the gains and losses accurately, we should generally balance them. This time it's my treat, and next time it's your treat. Just make a big difference. Being tired by others
The "being tired by others" mentioned here in Yilin, Jiangnan is also related to making friends, but it belongs to a relatively independent and special situation. It means that we have not made mistakes ourselves, but we are responsible and indirectly involved because of the mistakes of others. The financial ruin caused by this kind of involvement is often huge.
the most typical thing that people are tired of is being a guarantor for others. In the end, when others break the bank and run away, you can only be the guarantor to bear the responsibility. There is an old saying: no matchmaking, no guarantee, live safely to the old age. Maybe some people don't know much about the side effects of matchmaking. In fact, this sentence is more used in the old society. You helped people to make a matchmaker and they got married. After that, the couple quarreled, ran to your house at every turn, quarreled at your house, and even blamed and angered you as a matchmaker. Do you think you are bored? Of course, the social problem is not so serious now.
there is another common way to take responsibility for others, that is, to lend a car to others. It was kind of you to lend your car to others, and as a result, someone else had an accident driving your car. It's your bad luck. You go to a booze party, and as a result, someone at the same table drives after drinking. If you find out, you may also be involved.
There is also a typical situation where you make friends with personality or personality problems, such as being too impulsive, reckless or even having bad hobbies. If you have too much contact with him, you will inevitably be dragged into trouble.
Suggestions for solving this kind of money loss: No matter who the other party is, if you have insufficient financial strength, you must not be a guarantor for him, even if he will give you some benefits in the short term. If you are going to vouch for someone, don't just think about the benefits, but focus on whether you can afford it in case of default. If the other person is the kind of person who acts impulsively or misbehaves, you'd better alienate him so as not to occupy the package. Excessive consumption
In this regard, Jiangnan Yilin doesn't tell everyone. The so-called living within our means means spending reasonably. If you earn 5, yuan a month, you must be vain to buy a donkey bag of 2, to 3, yuan, which is excessive consumption. There are also some people who use credit cards to cash out their consumption, which is also very undesirable. Credit cards are used well and have many benefits. If you use credit cards to cash out your consumption beyond your income level, it is tantamount to drinking poison to quench your thirst.
Suggestions for solving this kind of financial ruin:
Learn to keep accounts, carefully analyze your income and expenses, and get rid of unreasonable expenses with great pain. If the consumption level of your workplace or life circle far exceeds your economic level, then alienate this circle appropriately and reduce communication. There is no need to punch a swollen face and pretend to be fat. Blind investment
Blind investment is particularly common in recent years. Yilin in the south of the Yangtze River has seen many friends cheated in P2P investment, and as a result, the platform thundered and ran away, which led to the bankruptcy and debt of these friends, and they returned to before liberation overnight.
regarding investment, Jiangnan Yilin suggested that you must not enter the field you don't know very well. It is very dangerous to blindly follow the trend! Similarly, even if you are a good swimmer, don't swim in strange waters!
if you don't know anything about stocks, futures and foreign exchange, you shouldn't blindly cut into these fields. If you don't know about virtual currency such as bitcoins, don't blindly invest in virtual currency! If even the aunt who buys food on the street is discussing an investment project, it is often the most dangerous time. You'd better cover your pockets and stay away!
Be on your guard against the Ponzi scheme for projects that benefit above the normal level! Unreasonable income level can't last too long. Don't be lucky, buyers are not as good as sellers!
Suggestions for solving this kind of financial ruin:
You want to manage money and invest, and your starting point is good, but you must study systematically and comprehensively, and know yourself and know yourself. Don't blindly listen to others' recommendation of a stock or a fund, you should buy it. You have to understand the logic. Deceived
Being deceived as emphasized by Yilin in the south of the Yangtze River mainly refers to being fooled into spending money or being cheated because of being too simple or trusting others or making improper decisions.
This may involve many aspects:
For example, being cheated by online swindlers because of online dating; For example, being fooled into doing some unreliable Wechat business; For example, being fooled by various garbage health care products; For example, paying for some unreliable knowledge; .....
Suggestions for solving this kind of financial ruin:
Don't be greedy for cheap, be good at analysis. If you are not good at analyzing and distinguishing the true from the false, then you should remember a sentence from Jiangnan Yilin: When someone sells you an investment project with high returns, you must ask: If this project is so profitable, why did you tell me? I'm not your father or your mother. Why are you so kind to me?
No one will sell their cornucopia. I hope you will always remember this!
someone tells you that a certain project has a stable 2% income. You can tell him directly: Really, that's great. Then do it yourself. You can go to the bank for a loan. You can make a lot of money by subtracting the interest rate of the bank loan from the 2% income! Congratulations on your fortune! Someone told you that eating a certain product can cure all diseases. Just tell him: Really, that's great. Let your parents eat it for ten years first, and then tell me when your parents become immortals!
judging whether a person is easy to leak money or be deceived, in fact, we can see a lot from the eight characters, and the five points above are summarized according to numerology.
If you want to get rich, you need to learn financial management and financial knowledge seriously, and you need to be calm, restrained, not blindly obedient and not greedy. Don't always think about getting rich overnight. If you are not in a right attitude, you will be easily invaded by all kinds of evil spirits.