Workplace Art: 2005 I have to do rich people!
At this time, you need to do it -
■ Determine the target. Take a piece of paper and write your financial goals, remember to be divided into two, short-term financial goals (1 month, half a year, 1 year, 2 years) and long-term financial goals (5 years, 10 years, 20 years ). Throw away those unrealistic fantasies and make you feel a bit big, but there is no shortage of possible targets into small specific goals.
■ Discharge order. Buy a car? Buy a house? Study abroad? Open private small sale? Which one is most important, which one is feasible? Determine the order of these goals, it is best to have family and friends to help you staff plan.
■ Plan money. Start accounting, want to implement these goals, how much is it to save each month? How much is your own net assets now?
■ Understand your own expenditure. Review all bills and fees that have been in the past 3 months, list all cost items in different categories. There are countless monthly average spending of our month.
■ Control expenditure. Compare monthly revenue and cost spending. Which projects can save a little? Which projects should be increased?
■ Adhere to savings. Calculate how much money should be exported to each month, the day of paying the pay, putting this money directly into your bank account. This is a key ring of achieving personal wealth management goals.
■ Buy insurance. Health insurance is very important, if you lose your ability to work, you can't make money. Property Insurance is especially important for people who have a larger share of personal assets.
■ Anjia home. Having your own house can save your rental fees. Now prepare for the first payment of the house.
■ Investment and financial management. All of them do it, then I will think about this. Investment is always accompanied by risks. If you don't have enough knowledge to prevent risks, you should purchase Treasury and Investment Fund.
The "Ge Rating" compression table of the small office:
Quit smoking. Smoking hurts the body, the frequency of my smoking is a bucket of 10 yuan in two days. It is nearly 200 yuan a month. The smoke rings, two thousand pieces have been saved more than a year!
2. Save tolls. Very simple, you can go without car, you can take a bus, you can change the car, the wind and the day, change the bike, too lazy, want to take a taxi, but also avoid the peak of the morning and evening traffic jam ... God, optical route I saved 7,000 pieces in one year! I have been there in the past!
3. Ring "Bureau". In fact, the "bureau" can't quit, the sisters will see once in a few days. I used to be a "small capital". I have been in the Western restaurant, the bar, the cafe meet, and I have to spend more than one or two hundred yuan. I have been a seven or eight times in the month! Later, I thought about it, so that the party removal "Home Route" and "Theme Route" - the home line is the most money and warm. The theme route, each time a person is responsible for finding a location, requiring a small lady in Beijing, a little head or a bit history, the key is cheap, there is money. Just saying a sentence "small investment is vulgar, playing alternative." Let me save at least six thousand dollars in a year.
4. Buy the "three must" principle. First, the clothes that must be added, the second is the clothes that must be discounted, and the third is the clothes that must be hand washed. In addition, don't buy more. The mall discount always makes people brain, spend 60% off, buy a dress like a star? Maybe there is no chance to wear! Therefore, practicality is most important, I sometimes remind yourself not to be attracted by "big discount". In addition, the pocket is never more than one thousand pieces in the shopping mall, and it is still white to save the flowers. One year, the purchase fee will save five thousand pieces.
5. Stay away from the supermarket. Flower countless money to buy snacks, eat fat, take more money to buy weight loss products to lose weight ... girls have done this stupid thing. So very simple, stay away from snacks, stay away from things seemingly cheap supermarkets! In addition to buying a health supplies and daily necessities every quarter (of course, I have almost enter the supermarket, so as to avoid the temptation of flowers and green snacks. One year, even the weight loss supplies have a minimum of 2,000 yuan. 6. Go to your membership! When I was bought by year, the season, the massage card, the consumer card, massage card, and the hair card bought, it was nearly half than the single purchase, but after the big purchase, I found that I didn't have time at all, white and white waste! For items that are not frequent, it is still bought.
7. Go out in the off-season. I believe that "there is no everything, I can't travel", I have to spend a lot of money every year. Last year, I chose the way of picking up a late season. I went down the holiday. When I chose people, I went out to travel, I can be smashed by the tuning tourist department!
In addition, there are many zero-knockdown saving methods, such as the law, to ensure that you can also save more than 30,000 yuan in the same year!
"Fortune" first step:
Conservative financial management, savings!
Ge Longtai's compression table experience people: Feng Tingting 24-year-old flight attendant
More than 4 years ago, "Moonlight Goddess" has been three years, until it is determined to buy a house. I don't have any partial effort, and there is no way to make yourself usher in an extra income. Every month's revenue is not moving. It is too much to earn. It is just that it is too big. I have seen it at the end, so I will "save money". "Save money" became the top priority in front of him.
Finely calculate, take a bicycle, after a whole year, "Moonlight" finally became "producing". Save money is addictive. After two days, I saw the number of passbooks didn't change. I will scratch myself, so I want to do everything possible to save money. I don't know when I started, I turned into a small "Ge Rating" in my eyes ...
"Fortune" Step 2:
Smart make money, don't let go!
Little Magic Magic Demonstration: Lin Bingtang 25-year-old office clerk
Set a very popular celebrity: "It is not lacked in life, less is to discover the eyes." The family is rich and rich, there is no money in life, and less is discovered. From stepped into society to now, I am a small person, front desk, tour guide, office clerk, no work can earn big money, but I have always been a small money. How can I do this? Very simple, you must don't think that there is only 100,000 thousand to make money, only don't let "small money" can earn "big money".
Nasty phone number
When I first went to work, I was doing a front desk in "P & G" company. Every day, it is to answer the phone, turn the phone, and the water is driving, and the money in the pocket is pitiful. What's more, it is, I received half of the phone every day, I've been looking for "cleaning" company. If you will die, the early memorial is dead? I don't, I have a few calls for cleaning the company, as long as it is wrong, tell them the number of "true" cleaning the company, equivalent to pull the business for them, they give me a salary every month, cool! So sometimes, what you have encountered, change your angle, I can make money for you!
Online selling second-hand goods
Like all girls, I like to buy a variety of beautiful clothes, the cabinet is always full of Dangdang. The battle of guided guides, went to Hong Kong to shop into a homemade, go home, the suitcase is more filled by all kinds of clothing, cosmetics, shoes, baubles. Look at the clothes in the home, the average will wear one or two each year, and some have no movement. When the clothes are more, they have not passed this year, let alone will move it once next year. In order to prevent waste of resources, I registered a small store on eBay, put the clothes you don't like, and the shoes are clearly marked - even if you only sell 10 yuan, it is more placed in place. And very wonderful is that almost every piece of clothes, especially those who sell the field, have a good price. Rent out of DVD
The boyfriend is a super movie fan. The DVD in the house is accumulated in the mountain. There are more than two thousand, and the same movie doesn't say that it is second. I can't let these things don't create value! Used for two weeks, I put all the discs and book a book, and signed an agreement with the small audio-visual store downstairs. Every plate rents 2 yuan per day, one half, less than one year , We will make the money to make money back!
Business is abroad
Wholesale markets have two mobile phone chains, in some countries in Europe, they can sell 1 euro! When the days of the international tour guide, I have gone with the guests, and I also found a lot of money to make a small money. So straight rushed to the small commodity wholesale market, and it was very low prices, but it was a very detailed small ornament. When going abroad, he sold it to the local "small selling department", although there is not much earning, but it is also enough to buy a local souvenir!
"Fortune" third step:
Independent investment, step by step!
Entrepreneur King's Challenge Experience Character: Quiet 27-year-old Fashion Editor & Beauty salon boss
In general, I am still a more "stable" investor, like all girls, have their own small shops have always been the desire of the heart. But I am not eager for my act, and I am not lucky to eat a fat man, so I have been doing the "partnership" business. From a small site in the rental shop to the franchise, then come to the beauty salon with friends, step by step, because never dare to think about speculative, will not go big risks, so funds It is a little more accumulated, which is more suitable for investors who have no big capital in the initial business, and have no experience.
Borrow chicken egg
I didn't have money in my hand when I just came out of the school, I wanted to open a small store, but I was inadequate, I watched a lot of shops, and the rent was high. I thought that the joining of the time was just helpless, but it was also suitable for me. This is completely university experience and people with business capital. I chose the flower shop near the home. After consultation, the boss agreed to give me a small site, charged 1200 yuan rent, helping me sell a small gift from the small commodity wholesale market, paying your assurance. The first time I didn't make any money, but this kind of "borrowed egg" 1 1 mode did have its own advantage: relative to the facade rent, no need to decorate the store, do not need to open up the consumer group from the head. Because the first project operator has many consumer groups, as long as the relevant projects can attract their consumption while reducing investment risks. Once the business is smashed, the loss is much smaller than a separate facade.
Brand joining, fine water long flow
Slowly, there have been some savings in his hand, I chose the entrepreneurial way of "franchise", and join two friends to open a bookstore. The franchisee has a complete core technology and a perfect member management system such as computer management software, and the book is housed, and the book is allowed to use the stamp information and member information. I need to do it just to invest enough funds, you can get the right to operate, and even the store address headquarters will send a special person to investigate the surrounding environment. Because the pricing price of the book is 50% off, and the store is selected on the road near the school, with casual books such as comics, martial arts, science fiction, literary novels, magazines, but also offers sofa, table and chairs, beverages. Waiting, there is a bit of book, so the benefits are relatively stable, although it will not get rich, but the fine water is long, and some benefits have been obtained. Good reputation, turn loss
At this small beauty salon, this small beauty salon is really belonging to my own industry - although there is a friend's share of shares, but from the location to the equipment, it is all doing it. The store is selected in the high-end residential area, rented two more large three-bedroom, completely VIP members, the information book records the customer's birthday, hobby, skin condition, every care, etc., from understanding their Basic conditions, choose nursing products, and take care of a beautician. It can be said that each customer has a private skin consultant. At the beginning, you will be invited by the surrounding community property management company. At that time, there were more than 100 customers who had a letter of invitation accepted our meticulous service, and 80% of them came to a fixed customer. At the beginning of the 3 months, only a few thousand dollars of turnover per month, but "I can't get a wolf", because there is a good reputation in the customer, the old customers have brought new friends and beauty centers. It's better to turn, I finally turned away.
"Fortune" fourth step:
Have dreams, but to analyze rationality!
Suppose it is given for 100,000 yuan, in 2005, what can you make a fortune?
Personal Dream 1: Sweep
A Xin 26-year-old photographer
I have a certain understanding of the real estate market, and 100,000 yuan is ready to be used for the fried building. I will find small projects that are small, low prices and low prices, and cooperate with friends. Each unit of this building generally deposits 10,000 yuan, and sets 10 units once, one will be shipped within one month, and the profit is approximately 20%. In the past few days, my friend had successfully speculated a real estate. There is less than 200 units in that building, they have booked 80 sets, all of them in a week, and each set is between 15% to 30%. Therefore, join the fried building business, there will be a lot of money.
Comment
Advantage: In addition to the familiarity of the market, more importantly, with the relationship with the developer, there is no relationship, don't rush to the market. With the development of the developer, it is generally very iron-based relationship with the developer, and the developer consent. Because of the good relationship, once the real estate is selling less, the developer will also refund the deposit.
Disadvantage: Many citys market has revealed a certain amount of tiredness, just ask a question of real estate agency, although the second-hand price of high-end prices or the new rooms of the riffs, although the listing people have a lot of money, it seems It is rising, but some people are asking for a city. A commodity is only the concept of "value-added" before not formal circulation, is only a virtual number on the book. Therefore, unless the developer has the relationship between "parent buddies", it is necessary to check out if you can check out, it is best not to join in the market, and don't ignore the risk signal that has already issued it. Don't always think about earning the difference. Good thing. After all, the fried building is not like stocks, not only the amount of money required, but the risk of the two cannot be synonymous. Once the set is prison, the median cycle must be much longer than the stock market. Conclusion: It belongs to speculative and large investment. Success may be 50%.
Personal Dream 2: Go to Dali
Lola 27-year-old plane designer
My hometown is in Dali, although it is already settled in Beijing, if there is 100,000 yuan, I still intend to start the bar in Dali. In the alley from the Dali Bar Street, Xing Luo has a lot of small bars, more than 100 square meters, rent a rent of only 1,500 yuan, in order to prevent rising room rate, I am going to pay for two years Rates, then use the remaining 60,000 yuan to do simple decoration, employee. Although there will be no big return within a short time, but two years will definitely make money.
Comment
Advantages: Dali is a tourist resort, where there are many tourists in the holidays, especially the young people, and the bar is an essential hot consumption site, so choose a good choice in Dali. And he is Dali local, familiar with its geographical environment, understanding local characteristics, and helps and support from his parents and friends and family. Moreover, Dali's store is low, the cost of the store is not very high, and the risk will decrease. With these advantages, it is believed that it will be good.
Disadvantage: Investors have settled in Beijing, in Dali, the distance management effect is not good, Beijing Dali is running, the transportation costs become a big burden; Dali belongs to the natural scenic spot, the source of the wine is affirmed from the surrounding big city High transportation costs and high logistics costs are the disadvantages of investment shop; investors suddenly pay for two years of rent, a little speculative taste, risk is not small. The most important, Dali's bar star Luo has a lot of quantities, and today's young taste is unique, very picky, if the bar opened is very monotonous, with other bars, no unique food, status, programs, etc. The characteristics of the public are inevitably, and it is easy to be rejected by tourists' cold and other bars.
Conclusion: It belongs to the type of investment in a larger grasp, and the success rate is about 70%.
Personal Dream 3: Open halogen
Sun Yi 25-year-old Magician
The primary reason for the opening of the boiled cook is that I like it! Is there interest to do it? And where is the snack industry, is it alive, so I decided to spend 30,000 yuan in a large-faced pave room in the big residential district, hired two guys, is the font size of "halo", guarantee fire!
Comment
Advantage: Eating is a topic of permanent, according to market research, "Eleventh" National Day, single October 2nd, Beijing's food and beverage market sales is 6 million yuan, up 8% over the same period last year, so select direction is correct. Also do noodles, people can make a red fire "face cool", a bowl of 馄饨 can sell 4 yuan can also sell 100 yuan, don't do anything, but what to do.
The halogen production method is simple, saving a high salary hiring the trouble, the small shop is not big, the required employees are small, the cost is small, and the benefits are effective. Disadvantages: folk specialty snack bar, survival may be difficult, but it is not easy to do. It is best to be able to open the surrounding or tourist land, to attract flow passengers, and the residential area is hidden, but it can't be graded. If you want to play a reputation, you need a long-term effort. And the modern people are picky, folk snacks are already the end of the poor, and the people are more careful to their body, and they are especially high for the small store.
Conclusion: It belongs to small investment with interesting hobbies, and a chance of success is 70%.
Personal Dream 4: Purchase Division Red Insurance
26-year-old clerk
I personally compare, although there are 100,000 yuan of entrepreneurial funds, but still don't dare to have too big traders. So I chose: 40% of 100,000 yuan, buy dividend insurance, and the remaining 60,000 yuan to buy government bonds in the secondary market. Although the money is spent, there will be no more obvious value added, but it will not pay for the game, but it is much more than simple savings.
Comment
Advantages: The allocation of funds is reasonable. Purchase dividends is a relatively safe investment method. The expected annual rate of short-term investment insurance is 3% ~ 6%, medium and long-term is 5% ~ 10%, no more dividends, there is a matter of protection, and attach health disease protection. To the secondary market, I can purchase Treasury bonds, one is tax-free, the second is to have a guaranteed investment yield every year, and the general annual yield is 3% ~ 4%.
Disadvantage: The annual return on investment is not very high, estimated at about 3% to 10%.
Conclusion: The risk is relatively small, with a number of investments in a number of years, and there is a lot of more considerable investment, belonging to a steady investment plan, which is 99%.
Personal Dream 5: Opening a Memorial Store
There are many small shops selling African souvenirs with a second, using the imitation of the Academy of Sciences to pretend to the original single goods, so I decided to use these funds to go to African mini to turn a circle, and I have collected some cheap and good, national and national and Souvenirs of geographical characteristics, come back to sell. Because the family has a gift shop, save the trouble of opening the store, 100,000 yuan is still more than enough, can both travel, but also to make money, one game.
Comment
Advantage: The ideal entrepreneurial entrepreneurial entrepreneurial entrepreneurial entrepreneur belonging to a stone, which is very in line with the freedom of the modern society. With its own convenience, the operation is simpler, the loss is not large, but it is sufficient to exchange a certain good income, and the spiritual enjoyment that cannot be measured with money.
Disadvantage: supply does not have stability and continuity. Going to Africa will never be underestimated, the number of accessories brought back is extremely limited, and the Chinese people have strong imitation, the cost is low, and there is a cheap and good thing, and the international super famous product. Who cares about you? African back!
Conclusion: The type of disposable investment belonging to a feasibility is 10%.
Personal Dream 6: Operating a personal website
Shenyang 26-year-old plane designer
100,000 yuan, enough for me to operate a personal website. I intend to be a website of a information class, mainly to collect the most distinctive shops, bars, small restaurants in the city, and some personalized entertainment venues, introducing these specific information about these drinking and drinking. 100,000 yuan is mainly used for website support and information collection, find two people to "sweep the street" to collect small stores, hire college students part-time responsible for website maintenance, upload photos, text. One year later, the website had a stable audience, and sold it with a price of 200,000 yuan. Comment
Advantage: The website has a small investment, does not require a lot of fixed assets, and the target group is very broad, no geographical limitations, as long as it see, there will be benefits. If you do big, you can also create some advertising cooperation services. In addition, the way the website transmits information than the quick and easy, and the update frequency is very fast, and it is easy to accept and love by the public.
Disadvantage: Risk to do this, is competitive. The Internet bubble era has passed, and the website is not too much to make money. In addition to several famous portals, personal websites, small-scale non-competitive small websites, it is difficult to be famous, no name, click rate into a problem. Moreover, if there is no good business operation method, the website is lacking, once the website is built, it is easy to be in a stagnation phase, there is no funding consumption, and there is no funds to return, become a dead network, and finally can only drown in the business website. The tide is in the tide.
Conclusion: The type of investment belongs to a higher risk index, and the success chance is 40%.
Personal Dream 7: Join Clothing Store
Xuerui 23-year-old beauty teacher
I am ready to combine a clothing store with good friends. Everyone has funded 100,000 yuan, all the goods are in Hong Kong, sell only this piece of clothes and jewelry, we choose the storefront, so the rent is more expensive, each 8,000 yuan, one employee, 800 yuan per month, plus water and electricity, more than 10,000 months. Friends will go to Hong Kong almost every month, so there is a lot of toll provinces in the goods, but the price of clothing is relatively high, so the price of each clothing must be improved, and the price is about 300 yuan.
Comment
Advantages: Today's clothing consumption advocates personality, wearing a "only one" clothing that is going to be loodized, diversified, personalized, "Hong Kong", just seized the vanity of people's "not with others". Moreover, because the goods can be saved, the cost of purchase is saved, so the cost is reduced, which is a good entrepreneurial choice.
Disadvantage: It is obvious that the cost of clothing is high, making pricing to be higher, and many people who like to buy clothing in private stores, most of them holding the psychology of "Amoy" goods, plus competition between shopping malls The behavior of crazy price reduction makes people see the same high-priced costume, will generate the psychology of "Said so much money is not as good as buying the goods in the mall".
Conclusion: Opportunities coexist with risks, paying a good return on investment, and 50% to 60%.
Personal Dream 8: Do a pet business
Run 24-year-old secretary
This pet business is not what is not a pet hospital or a pet supplies, I really have no time to take care. But because of living in the suburbs, there is a big yard, so I plan to buy a few purebred dogs with 100,000 yuan, there is a public mother, the public can be used as a dog, the bitch used to live the puppy - because of the family People like pets very much, so they have two.
Comment
Advantage: With the continuous improvement of living standards, and the size of the family is reduced, and the raising pets have become a part of more and more urban people. China's pet consumption also forms a scale. Experts believe that according to the law, a country's per capita GDP is between 3,000 to 8,000 US dollars, and the pet industry will develop rapidly. Some coastal cities in China have reached this level. Therefore, although China's major urban governments have implemented strict pet feeding restrictions, it is actually that pets have increased in recent years. It can be seen that the pet industry is still a "money" in China. Disadvantage: This small-scale family-style pet comparable, due to factors such as venues, scale, customer source, and cycle, annual investment return is not too high.
Conclusion: It belongs to low-risk investment. Although there is no high-risk high return, it is also a good choice if investors are passionate about pets. The success rate is 80%.
Personal Dream 9: Acquisition Newspapers
Leisure 25-year-old newspaper
You have not heard the wrong, that is, the acquisition of newspaper magazine! Isn't it a bicycle to send a bicycle? I can book him 3000, 50,000 or more, except for the money of selling 5,000 bicycles, the newspaper selling waste paper has money. Other fashion magazine, send a famous brand cosmetics worth more than 100 yuan, I bought 1,000 magazines, worth 100,000 gifts, and then dumped 1,000 magazines low-cost or sell waste, and can find a home. , I will take the gift, spend more than 100,000 yuan (20 yuan / this × 5000), the gift is 100 yuan × 5000 copies, how is it right?
Comments:
This section is selected as a 2005 most organized method! Fully suitable for messy journals market competition! In fact, you can also sell this program to some of the competitors of newspapers and periodicals. This is also the release of others, and the ideas that can make money can be saved even more than 100,000 yuan.
Source: "MISS" magazine
