Why am I a poor bastard? Watch "The first five years of work determine the wealth of your life"

First of all, consider your current economic situation:

In first-tier cities, the rent plus mortgage is 8,000 yuan per month, and all kinds of living expenses are about 4,000 yuan, that is, the average monthly expenditure1.2w.

Before leaving my job, my husband and I spent almost 8000 yuan a month. In other words, we don't eat or drink every month, and our monthly income is only enough to pay the rent and mortgage. However, within two months, we left our jobs one after another. During the period of unemployment, we both have zero income, and we have to pay at least 1.2w every month.

So, how did we survive? . .

Simply put, it is to look at deposits. Where does the deposit come from? After the wedding, the two families gave us all the gifts they received. At best, it's the first bucket of gold, at worst, it's just gnawing at old bones. In fact, parents helped organize the banquet, and it is natural for them to get back the income from the gift money to make up for the expenses. We are very lucky. The two families thought of our two only children, so that we could have the first large sum of money to plan our future life.

At the beginning, the two of us were also ambitious. We divided the gift money equally, almost 50% each, and agreed not to interfere with each other's investment and financial management, to see who would get more benefits after one year. Then began to buy wealth management and stocks one after another. On May 20 15, we opened an account together on the last train of the miraculous stock surge, and started our so-called financial investment without any concept or experience.

In 65438+February last year, I began to repay the mortgage, with a monthly payment of 4,000 yuan. This year, the current landlord told us that the single room we rented would rise from 3600 to 4000 yuan per month. At this time, no matter how bad the math is, we all know that it costs 8000 yuan a month not to eat or drink. Coupled with my financial worries after leaving my job, I finally began to panic and felt that I should sort out the money and accounts at home.

In this case, I came across the recommendation that "the first five years of work determine the wealth of your life".

When I saw the author's third son record that he began to try to save money, I finally began to wonder how much money we had left. . .

I sorted out my husband and I's savings, wealth management, stocks, investment and other accounts, and found that we spent 40% of our savings in the past 9 months! ! ! What's more frightening is that we don't have any expenses for big projects. We didn't spend the money on buying a house, didn't buy a car, and didn't add furniture and appliances. The biggest single expenditure should be tourism. But the rest of the money is really spent without feeling

After I calmed down, I thought about why this happened to us:

1. We are both well-off families. To put it simply, our city is neither rich nor poor. And we are both the only children in the family. The habit of spending money since childhood is that we will not be extravagant or frugal. In other words, we didn't buy any luxury goods. I changed my bag today and bought a watch tomorrow. We have none of these. But we never abuse ourselves. We can eat if we want and play if we want. For example, the two of us don't spend 1000 on meals, but many meals often cost 300.

We never keep accounts, and we don't know the expenditure. We have been moonlight clan since college. At that time, we spent as much as our family gave us every month. We ate and drank well in the first half and went to the school cafeteria in the second half. We've been like this since we got married at work. Payroll cards are paid directly from the deposit, so we hardly know how much we spend every month. The monthly expenditure of 1.2w above is only my most conservative estimate, and the actual expenditure often exceeds this figure.

3. Without the basic concepts of financial management and investment, blindly follow the trend. This is mainly about myself. At the beginning, everyone made money by speculating in stocks, so they invested in the stock market. I heard this friend say which stock is good today, so I bought it. Tomorrow, I heard a friend say which stock is good, so I stepped in. I just followed people in, and I couldn't judge when I should come out. I often buy this stock, but I don't know what this company does, so I bought it blindfolded. Ignorance scares people.

4. Short-sighted, focusing only on immediate interests. Consumption habit is eating, drinking and having fun. If you are used to this kind of life, you want to make quick money even if you invest in financial management. Run when you earn, and enjoy when you earn. Financial management for three months, income 1000. I always thought even if I saved it, there wouldn't be much. I might as well spend it. I can buy some clothes from Taobao.

5. Break it with a broken jar. Sometimes I plan to spend only 600 yuan on a friend's dinner this month, but I just went out once and went to a beauty afternoon tea dinner, which cost three or four hundred yuan at a time. It stands to reason that it is time to control the points and reduce the number of parties. But there is always a kind of psychology in my heart, alas, I have spent so much this month, let's talk about it next month. Spend more and more!

6. Take money from the poor and pick on the rich. In summer, I think the bus is crowded, so I take a taxi to work. Feel a little sleepy in the afternoon, buy a cup of Starbucks spirits; When reading a book, you must go to a well-known coffee shop and eat snacks while drinking coffee. When I travel, I always want to stay in a good hotel and go to a good restaurant ... I don't make much money and pay more attention! ! !

I'm ashamed of myself.

Maybe many people will have these problems more or less. However, watching others watch 100 times is also fun. Only by carefully analyzing your own situation will you be unforgettable.

These are all the problems I found. Let's talk about the adjustments I have made or intend to make after reading this book:

1. Put the money where it is not easy to spend. Settle all the accounts at home, and integrate what can be integrated to facilitate management. Put the money you need to save in a long-term and stable wealth management product, not in an account that you can easily get, or you will want to spend the old money again when you run out of money this month.

2. Save first and then consume. In the past, my idea was that I could save the money I spent every month. As a result, I never spent the rest of the money! ! According to my own situation, I immediately deposit 10%-30% of my income as a deposit after I get my income every month. Now Tencent Wealth Management has such a product. I save a sum of money regularly every month, and use my salary to manage my money. The income is higher than that of the bank.

3. Start my original least favorite bookkeeping! It's not that I didn't remember anything before, but I never remembered it clearly. I have written notebooks and used various apps. Every time I forget one or two strokes, it's all messed up and I don't want to do it again. Now my husband and I use a handheld bookkeeping system, and the mobile phone logs into the same account, so that we can not only record our own expenses separately, but also see the income and expenditure of this family in the same account. And this app can have many accounts, such as my own husband's salary card, my husband's China Merchants Bank credit card, my husband's Agricultural Bank savings card, my wife's salary card, my wife's CCB savings card, my wife's Alipay account, my wife's WeChat change account and so on. I can see this at a glance.

5. Get rid of bad consumption habits and adjust unnecessary expenses. Maybe this time we are both aware of the financial crisis, so we keep accounts carefully every day. After more than half a month, we look back at our expenses and know which habits need to be changed. For example, I spent more than 500 yuan on traffic this month. When I checked the bill, I found that Didi and Uber called more. I spent more than 200 yuan on drinks and found that I had drunk Starbucks several times. Taken separately, these may not be too many, but when it comes to the monthly expenditure, it is not a small sum. When the accounts are clear and you know where the money is spent, it is easy to find out where your consumption black hole is.

6. Learn financial investment knowledge. Books, Zhihu, forums, and many other places can get knowledge. Don't pretend to understand if you don't understand. Ask more experienced and professional friends around you. Only when I have a little bottom in my heart can I not blindly follow, and I am what others say. You don't have to be a financial god, but you must have the minimum judgment on your financial use.

Don't laugh at me, I haven't done these seemingly basic common sense before. Therefore, financial management is becoming more and more chaotic. These attempts written above are just the beginning, and each attempt will be adjusted according to the actual situation. Even after all this, I dare not say whether there is an introduction to financial management, and there are still many things to learn in the future.

These reasons, whether common sense or not, are largely my thoughts on myself after reading the book. For you who are familiar with financial management, it may not be worth reading. But if you run into an idiot like me, I encourage you to take your finances seriously together and try to be a smart financial expert ~! ! !

I found that my reading speed is not fast, and I always can't remember what I saw after reading, so my reading efficiency is very low. So after reading the book, I intend to write down my feelings, record the key points and golden sentences in combination with my own experience while remembering the main points in the book.

There may be some accurate writing or I still have some doubts. Welcome your guidance ~ ~ Thank you ~!