Everyone needs to understand finance.

More than a decade ago, I believed that not many non-professionals were willing to learn some financial knowledge, unless they wanted to change careers, or business owners had to learn financial knowledge because of their work needs. Moreover, at that time, in the impression of most people, financial personnel, like Mr. Accountant, audited expense reports, kept accounts, bound vouchers, and dealt with figures every day, which was very boring.

However, with the development of economy, financial knowledge seems to begin to enter every family and get close to everyone. More and more people set themselves small goals in their hearts and realize financial freedom in a few years. At least every department manager of the company should know some financial knowledge, otherwise the meeting will be forced to discuss what budget, top line and return on investment.

I heard that you want to pursue financial freedom, but there are obvious problems in the calculation method of wealth management products, so you dare to buy them. Listed companies have published annual reports, and the data is getting worse and worse, so you buy their stocks without care. When can you achieve your small goal?

1. Case 1

Wang Mai Jr. bought a second-hand house with a total price of 5 million yuan and an agency fee of 65,438+10,000 yuan. He checked the deed tax of 654.38+0% and 50,000 yuan online. His budget is 5.2 million, and he is happy to sign the contract. Later, when paying taxes, he told him that he was going crazy and wanted to sue the intermediary and the owner for joint fraud. At the same time, the intermediary and the owner told you that the house is less than 5 years old and there may be a tax. It depends on your online signing price. If the online signing price does not exceed the original house value, it will not be paid. If it exceeds, it will be paid.

Xiao Wang is very angry, but at this time, he can only try to borrow money. He heard that he was the only one who didn't pay taxes for five years, and he also asked how much he paid taxes for less than five years. The intermediary said that there was no difference between low online signing and full five, but he didn't investigate the influence of low online signing price and signed the contract under the bluff of a small intermediary.

In fact, his down payment is not much, and he needs a high loan, so he can't sign the price online at a low price and pay a high tax. 20% difference income tax, the original house value is only 500 thousand, calculate it!

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If he knows some financial knowledge, when the intermediary says the original value, he should at least ask how much it costs. At the same time, he will also ask the small intermediary to make it clear that he has to pay taxes and fees, write down every item on paper, and then compare it with his own situation, such as how much down payment, how much loan, interest rate, repayment method and years, how much online signing price, how much tax and fees are calculated, and the time point of each payment, so that he is less passive.

2. Case 2

Xiaoxue bought a coat in the shopping mall on the first day of the New Year, with a 50% discount, 1000 yuan. However, the more I take it home, the more I feel that it is not my favorite color. In fact, when I bought it, I knew that it was only this color that was discounted. However, she doesn't want to transfer or give it away, because she wants to buy this brand of coat for a long time. After putting it on at home, she thought it was not good to match the clothes like this. As a result, she spent 2000 yuan to buy some sweaters, pants and boots to match. Before the end of the month, there is no money in the account. Originally, I planned to save 2000 yuan for the New Year, but every month, all kinds of unexpected events broke the plan, so it was too far away to save money and manage money.

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In fact, Xiaoxue studied simple bookkeeping and budgeting, and it would be nice to know some financial knowledge.

After the monthly salary is paid, make a simple plan, how much you need to spend, how much you keep, and how much you spend flexibly. Put it on the ledger and carry it out as planned. If there is extra demand, it will be adjusted next month, and the impulse to spend will be gone after one month.

Now that the coat mentioned above has been bought, it is the sunk cost, and it is useless to regret it. Don't like to transfer as soon as possible, rather than buying other clothes to make do, is the best remedy. I believe many girls have the same experience. Many people who speculate in stocks have similar experiences. After buying a stock, they fell sharply, so they have been covering their positions, regardless of costs and benefits, and the risks are scattered.

3. Case 3

Liu Xin Jr. joined the company as a buyer. One day, the company held an internal meeting to discuss the choice of suppliers. The financial manager said that our big company must find a qualified supplier who can issue special VAT invoices. Xiao Liu said that the supplier will not give us a 9.5% discount if he issues a special VAT invoice, and it will cost the full price. I don't think it's appropriate. The financial manager asked why import tariffs and value-added tax were so much higher than last month. Xiao Liu said that the customs declaration price is wrong, but fortunately the value-added tax can be deducted, which has no impact.

A few days later, Xiao Liu was dismissed by the company. Reminds me of a joke I once heard. The accountant forgot to fill in the input tax when he went to file the tax return. The tax bureau said to go back and fill it out. The accountant called the boss, and the boss said I didn't need to fill it out after I approved it.

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Xiao Liu didn't count the 5% discount, which was not worth the input tax 17%. Regardless of the time value of money (interest, inflation and other factors), import value-added tax can be deducted, but what about the extra customs duties and how to pay the high customs declaration price?

In that joke, if you don't fill in the input tax, you have to pay more tax. Does the accountant understand? How to send the news to the boss? If the boss knows a little about finance, he will avoid unnecessary losses.

Whether you want to pursue personal financial freedom or show your skills in your work, financial knowledge is a must!

It's been almost two months, and there are many articles on financial management, but few on finance. It seems that there are not many financial personnel, or financial personnel are not good at expressing interaction. I hope this article can make the majority of financial personnel rethink their financial work, and I am here to throw a brick to attract jade.