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If you don’t manage your finances, your finances will ignore you! If you want to pursue wealth and freedom, don’t just talk but don’t do it. 3 actions can effectively develop financial management habits
Whenever the New Year's Eve event is over, it means the arrival of the new year. Everyone begins to share many New Year's and new hopes on the Internet. But how many years has this "New Year's ritual" been done? How many more have been achieved? The reason why I say this comes from the accumulated financial consulting interactions over the years.
"If you continue to buy random online photos, I will chop off your fingers." If you really do this, you may have received a disability certificate long ago.
"This year I will try hard to get rid of the bad habit of drinking hand drinks every day." As a result, I still can't keep track of how much I spent on drinks in a year.
"I need to seriously learn how to invest steadily." Unexpectedly, a strong wind would cause a short-term surge; a wave would blow me back to the shore.
Every "little thing" that seems inconspicuous in financial management will expand due to the accumulation of time and turn into "big things" that require urgent adjustment in financial management! Whether a new year’s goal is to set a bad habit you want to get rid of or a good habit you want to develop, instead of setting it and hoping to complete it on a certain day in the coming year, it is better to break it into 12 months, Even 52 weeks. Try to start with small goals. Once achieved, you will have a sense of accomplishment and have the motivation to continue challenging the next level!
Financial management is like a game of jumping through levels. Each level has different challenges. In addition to execution, the key also requires mental and conceptual cooperation to have a chance to successfully break through the levels.
Let’s take the matter of “saving money” as an example.Don't set a dreamy result like "becoming rich", but instead set how much money you can save in your bank account this year. For example, if you hope to save 120,000 yuan by the end of the year, we should set it at least every month. You have to work hard to save 10,000 yuan, or even save 2,500 yuan every week, 360 yuan every day, etc.If you find it difficult, just adjust the amount downwards. Don’t feel embarrassed. After all, financial management and life are personal matters. Everyone’s situation is different. There is no need to compare too much with others. Of course, the goal is It is customized and there is no certain standard formula for financial management.
"Then how to set investment goals? The implementation should be relatively complicated than saving money, right?"
First of all, for investment, the one-year investment goal is a relatively short-term period. You should not set the possible profit amount (after all, no one wants to lose money, and who doesn’t want to make as much as possible?), but the set amount. What kind of homework should you do when investing?
Here are 3 suggestions for your reference:
1. Confirm how much idle funds can be allocated for investment this year to avoid having to liquidate investments due to capital needs.
2. Fully understand the investment products currently on hand to avoid being uneasy due to disturbances in the market.
3. Find an investment strategy of your own, which will not only reduce market volatility, but will also not affect work or life while investing.
When financial management projects such as saving and investing can form a habit, and can even save and deduct money automatically through the settings of online banking and investment platforms, you will find that in fact, every action of financial management can run automatically once it is done. The track is actually quite boring, but isn’t that what we hope for?
Maybe you will be curious and ask me why it is all about financial goal setting and not other aspects. But let us calm down and think about it. In fact, many goals are based on money. Only when the financial foundation is solid, the quality of life you want, the food, drink and fun you expect can be realized. And many adjustments to living habits and work attitudes also affect future financial amounts. Talking about money is actually not tacky at all, but an attitude to face it bravely!
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It’s up to you whether to borrow or not, it’s better to borrow first when you get something back! These are my personal opinions and not investment advice. Investment involves risks! Everyone should think independently!
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