This nine years, my financial management is:
1. Social competition, do not enter, retreat, to make money, individuals must be prepared in knowledge, academic qualifications, physical, mentality, and interpersonal relationships, opportunities will not be prepared;
2. It is good at discovering opportunities in the work that others dismissed. When I first graduated, I took over someone else to think that there was no oil and hard work, because I was working hard, winning the trust of the customer, I have the opportunity to perform, and earned the first money.
4. Expenditure should match the income, the so-called quantity into out, advocating rational consumption, shopping pays attention to affordable and cost-effective. Not small, no waste, no comparison. Reduce consumer expenditures (small cars), moderately increase asset expenditure (property).
5, no matter how much income, we must plan an economy and learn to save money. The money is earned, it is also.
6, reasonable investment. After having a certain accumulation, of course, the value of assets is pursued. A combination of personal risk preferences when choosing an investment tool. I thought that family finances were best to pursue safely, because there were old, small, work pressure, high risk is not suitable for us, not to mention China's capital market does not necessarily have high risk high. My portfolio: Company stocks (MBO), real estate (03 years purchase two new hits), investment stocks (short-term operation), short-term bank deposits (considering the renminbi may appreciate the US dollar to renminbi), insurance policy .
7, mentality is peaceful, not greater, greed, and poor. Do risk investment, must have the principle of stop loss, this is the discipline of iron.
