What's the difference between managing money and not managing money?

Share two cases to see the difference between managing money and not managing money.

1, all colleagues in the IT industry, doing the same job, knowing how to manage money but not how to manage it. What is the difference after 15?

Ella and Smiler are the backbone of an IT company. Before 15, it was called "white", with good salary, good working environment and strong inner superiority.

In 2002, their lives began to usher in a turning point.

In 2002, Smiler was optimistic about the real estate in Shenzhen, but she only had 20,000 yuan. She was bold and decided to buy a house in Shenzhen. Because I owed a down payment debt of 654.38+10,000 yuan, because I had to pay back a mortgage of nearly 3,000 yuan every month, I suddenly felt that I had to work hard and work hard, and the hydrogen was out of control. The performance at work is becoming more and more "brave". Career channels are also rising all the way. Later, she started a second home purchase, started a business, began to study financial management seriously, and began to try different financial management methods. ...

Now, she will begin to enjoy the life of financial freedom ~ ~

Ella feels that it may be difficult for her to survive in Shenzhen in the future and she is afraid to buy a house in Shenzhen. I'm going to wait and see for a year or two before I look at my career development. Later, colleagues and friends around me bought houses in Shenzhen one after another and began to learn to invest. Ella also feels a little flustered, but she doesn't have much savings. When buying a house in Shenzhen, she always felt that she was a little worse.

I wonder if I can stay in Shenzhen in the future.

She discussed with her boyfriend and decided to buy a house in her hometown in Fujian, and she can't mortgage it! ! Because they don't like owing money. I chose to borrow money from relatives and friends, pay it in one lump sum and buy a big house in my hometown.

Later, the Ella family lived in Shenzhen and happily welcomed a pair of children. During my 15 years in Shenzhen, I haven't made any other investments and have no ability to buy a house again.

Last week, at the end of September, Ella told me that the first thing to do when she came home this holiday was to visit her parents and have a reunion holiday. Secondly, it is also to prepare for the family to return to their hometown next year. Because children are going to middle school soon, it is too difficult to take root in Shenzhen. Because there is no house, it is also very painful to find a good school for children.

Although Smiler and Ella came to Shenzhen at different times, there was no difference between their savings and their monthly income in 2002. It is not so much that the house has made or influenced life, but the biggest difference is their thinking mode: the former is optimistic and positive, dare to make decisions and give themselves a challenging goal; The latter is negative and pessimistic, has no confidence in the future, and has been looking for a "retreat".

On the road of financial management, what really affects us is not only the amount of money, but also the different modes of thinking.

She is a housewife, and her heart is broken for daily necessities. Since learning to manage money, she has earned a trip abroad for nothing every year.

Iverson used to spend every year in other provinces. Because I don't want to go out to play except mortgage, car loan, house rented for the elderly and annual expenses.

From the beginning of studying financial management, she has combined financial management plans according to the "capital plan", that is, even if she has no savings (deposits) every year, as long as she manages her daily living expenses and mortgages well and combines short-term financial products according to different cycles, she can make a trip to Japan for nothing every year.

In fact, the principle of Xiao Ai's "winning" an overseas trip is not complicated:

Whether it's mortgage, car loan, rent, annual travel, tuition, or daily expenses, these money don't need to be spent every day. There is a debit date or repayment date. Use the credit card settlement cycle, make good use of the deduction arrangement of one cycle, and put these funds in different "pockets". Then, find a safe wallet product and leave it for 29 days, 92 days and 65438 days.

Take the average monthly expenditure of a family10.5 million yuan as an example. Managing the money that really needs to be spent can really bring a lot of money, ranging from thousands to tens of thousands. Is it equivalent to sending yourself abroad for free?

There are many friends like Xiao Ai who earn a lot and spend a lot, and always feel that they have no money to manage. However, they are not without money, but ignore the secret recipe of "small money" and "making money while spending money" Are you right?