There is a saying: "Accounting is the first step in financial management."
So the poor blind obedient to follow the advice in the book obediently write down each of the income and expenditure, thinking that it would equal the club's ticket to get rich, the results over several years, or only live shrink clothes diet life, in addition to the body's decades of poor sour, behind a pile of creditors chasing run.
Why make the poor poorer billing?
Because the poor will become an afterthought accounting, audit the wealthy will unlock insights.
Poor people in the digital down the article, just add a minus one as big news happened to her, such a concept, the calculation of income and expenditure only have eyes, but can not measure the future assets and liabilities, and therefore had to add Save a little money in the subtraction mediocre life.
The rich will not spend time on unproductive things, they do not charge, but must be on time audit. Only subtraction numbers game for them are of no use, the key measure of money, it should be from the "proportion" to start.
Concept of money is the money of the poor arithmetic progression, not earn one yuan loss is one dollar, but the concept is the rich geometric progression, had earned several good Jinshanyinshan instant.
Want to become rich, you have to know what the rich are doing. With the rich think you do not like, do not, if you do not learn to observe, that with poor habits think they can win back their money's worth, is simply nonsense.
However, want to be rich is not difficult, as long as you are willing to put them on the habits of the poor for the rich upgrade inertia, although the beginning of the program is not compatible with the costs will occur, but in the end will make you screaming worth the price.
Starbucks drink a decade, will be able to buy a house?
"In my eyes, like money like feces, if you put it spread it out, you can do a lot of if you hide it, it will become stink." Rockefeller wrote in a letter to his son.
Rockefeller is almost synonymous with "rich", but he did not tell you to save money to get rich.
Like the rich is not "rich" just can not stand the the rich head of "poverty alleviation program" has been able to succeed, just do not want to endure a low level of living.
Famous "latte theory" say is: drink a cup of Starbucks latte every day, a few years later, the money saved enough to buy a house in Taipei.
Even if you do not drink Starbucks, you have therefore afford to buy a house?
If this is true, working poor should have disappeared.
The big boss of the table that are placed daily cup of Starbucks, they are still sitting on the mansion, or even several you can only look at Starbucks boss on the table, drinking instant coffee, teeth meditation "I want to save money."
Can you tolerate a huge workload and rising prices, but they will not catch up with salary inflation rate.
If you still want to rely on savings out of poverty, after ten years you will be in the same if you think you can resist inflation tighten his pocket, four years later, you will regret.
Jews get rich books, "the Talmud (Talmud)" in paragraph saying: "God give money as a gift to us, to let us buy the joy of this world, rather than let us save up and returned to Him."
We have always been taught financial savings, but often overlook the fact that the money was originally used used.
Try to think Starbucks make you feel happy, so that the working efficiency greatly increased, so the benefit is not "latte price plus ROI" can be substituted.
Only tighten purse, absolutely can not earn money
Many financial management blindly advocating to save money, while ignoring understand money is a healthy road to it is not to encourage you to follow the Americans' debt-style enjoyment "from the rich set of" live within its means "the way of enjoyment.
80% of people have the habit of saving money is put into banks rich people, but almost no money in the bank, but rather to find ways of "loans" money to use.
The same is the selection of housing, poor people are only willing to spend money renting a the rich will assess the added value of the property, phase satisfactory loans have bought a house, not only live comfortably, hands can then make a fortune, why not?
Even if the poor pay rent forever, the house will not become his own, most of the money to pay on the contrary, rich in loan to buy a house at the moment, have not just a house, and over time value-added wealth.
It seems from the current situation, the more people are willing to spend more money, the more afraid to spend money to poorer people.
Think on financial self-breakthrough, first for the wealthy head pieces, do not think, "I earn 22K, absolutely no money management" will only make you never get rid of poverty fate.
Why rich people never line up to collect coupons and bargain?
I once heard of a case like this, there was the big boss of the real estate industry, we must look at the morning fixing at home three newspapers, current affairs and trends every day, whenever he read the newspaper, you will put on the table with breakfast together let the maid clean up.
In fact, his heart has always been a question, is the time to always look ragged in the newspaper recycling bins, cut a piece of the East West was cut a piece, and he could not help but to ask the maid about it, other results answer, because the daily newspapers, there will be 50 yuan merchandise coupons, so it will take a few minutes to cut them down.
After the end of the meal, the maid to clean up after breakfast, it took five minutes to cut coupons in the newspaper, at the same time, the big boss in the study do business, then sell the house changed hands to earn 50 million.
We all want to be rich, but often make the maid would always do, do not know the name, "save money is to make money" under the straw, hidden unexpected poverty trap.
Times more frequent use of coupons, purse and the life was shortened by more you've got
Coupon industry is doing all it can to make the poor killer took the money, they will instill you "poor it? Okay, using coupons can help you save money" or "coupons to ensure that lets you use the least money to buy many things "concept.
But they deliberately unspoken truth is: Although the discount, but the more we will be spent to buy more, but also to buy some of the unnecessary things.
Poor people take the time to collect coupons that allow purse will not thin so fast, but because virtually cheaper prices, leading to a fundamental buy unnecessary things, but spend more money still to be at the end of each month Faced with "moonlight, Xinhuang Huang" dilemma.
Piles of coupons just stack your sense of accomplishment, and become rich illusion and can not really let you get the extra money, but the money you saved, or must be spent in the future, you just deferred it is used to time only.
Only the concept of the poor province penny we can only make a little money, and the rich will focus on how to make more money.
Costs and benefits, is to become an essential concept of the rich
Rich people do not take the time to collect coupons or queuing up to buy cheap, because they understand the importance of time costs, the cost can not be 24 hours a day since the change in the cost of the case can not be adjusted, and want to have a high income, it to select a method to produce high yields.
And grab cheap queuing except for the rich "waste of time", or is "meaningless." They drink a glass of water at a time to help yourself making a lot of money, how will spend time on row two hours of the team, just to one hundred before consumers can enjoy half mangoes.
Also a minute, to earn money if poor satisfied, it is rich brains, earn ten thousand yuan will definitely not earn one hundred yuan.
Poor people did not understand the concept of costs and benefits, as long as they know only did it get this result, after the rich will take into account this result is worth spending the time and money, and then decide whether to proceed.
When poor people collecting goodies cheap coupons, the rich may have been in the study of world trends and economic dynamics, is preparing to increase its investment or expand business territory.
Poor people only know the bills with little more than the rich, but to understand the nature of money, they know that money is a tool, is worth a fortune, do not use coupons reason is because they do not want to discount the worth also followed.
Spend money on edge, will not let you stand to get rich
The current economic environment in Taiwan is in the development phase of stagnation, Recently media reported 24 hours turns consequences tech industry layoffs, is that we did not dare to spend money, there was a night market boss told me: "News in the newspaper every day now the economy has multi-poor, we are reluctant to spend, we have business year after year, and now can do only half of the performance 20 years ago! "
Because the reduction in income at no cost, so the savings rate higher and higher, you may ask, bad environment, the future of the jobs I do not know where to put money in a rainy day it wrong?
In fact, your consumption will decide you will become rich and poor in the future.
I have heard a lot of white-collar workers to talk about his financial management, the most common argument is: "My money is spent on knife-edge," so I spent a lot of time every day in the shop around "provincial money," to see a clearance Great to see the auction hunters happy, in fact, Zizhu care how much you can save copper, is overwhelmed by the last piece of the poor "brick."
The poor are poor not because there is no money to invest, but do not let yourself change money head. Poor money almost use it as the cost of living, a way to live with consumer debt, can not be converted to create more income on the contrary, the reason why the rich more money, because they are the property of the consumer flow.
The rich will not leave too much cash on hand, because he knows that every minute of the bill in the thinning, they care about is the net asset value, the hands of the rich notes follow their attention to flow between the minutes and seconds continue to convert into different forms of assets.
Look at the eyes of the poor receive income from work, money can not simplify their hands, the property will unknowingly gradually to zero, and even become a heavy debt.
Most people still follow the previous generation's attitude toward money, to find a stable job to move forward, then bring the salary savings to buy a house, seemingly pragmatic financial management concepts, and you will encounter a very big future risk .
My relatives hold a house must have their own married to the idea, so he bought a less than 30 square feet downtown building after marry and have children, a mortgage is back 30 years, to get their 3 month than ten thousand pieces mortgage.
He runs a small factory recently affected by the financial tsunami, the economy crunch pumping large customer orders, and finally no choice but to close down overnight, my relatives grew into a middle-aged owner of unemployment in month Mortgage over 30,000 block is not to bring more benefits to him, but became overwhelmed by his finance last straw.
The rich will be "home purchase loan", with good debt to buy assets to generate positive cash flow, they would not "negative bad debt homebuyers" deflation when the real interest rate is and poor people poverty genes, so that they constantly rely on "borrowing" to buy things, continue to produce negative cash flow, so that the financial black hole getting bigger and bigger hole.
That is why the more money the more money the rich, the poor spend money like water, but also owe a debt ass, not because of the rich character heavier or more prosperous graves feng shui, which only comes from the gap between rich and poor money the different attitudes.
The idea is to make money the rich live in "luxury hotels", he will begin to arrange "the best way" to hand the money for the rich, the existence of the value of money is not the money for it, but the money spent.
A lot of people are not the purpose of the existence of the money when a "miser" or "house slaves", his life is difficult to become truly rich.
Under no circumstances are accustomed to the poor "Show Hand"
The biggest difference between rich and poor is that they put their money in different places.
"Do not put eggs in one basket" all understand this simple truth, though, I often hear a lot of people would say: "I do all the money used to invest in a stock" or "I income was where a "until the day somehow been" decapitated "or" stuck ", it cried to go jumping.
It turns out that poverty is a habit, not much money in your pocket.
A lot of people do not want is the most debt, but the brain actually does not have any concept of risk, often with "Show Hand (Stud) mode" take their life savings to gamble on the market, this is a poor irreversible inertia.
So, you want out of poverty first lesson is not to handle emotional money on "All In" learning allocate money used in any place is very important.
The rich get rich mode basically follow the same law, they focus on "how to use their money", not how to save money, they continue to invest their money in creating more cash, provide passive income, a hedge against inflation and the continuous appreciation of assets above.
British writer Charles Dickens' Tale of Two Cities "at the beginning says:" It was the best of times, it was the worst of times. "
Now we are also facing the same the good is that anyone has the opportunity to re-shuffle at the time of the world economy, the momentum into the sky jumped become worse, you hold the faith of the poor turn twists turn a lifetime, and finally live the original scrubby day.
Most people have gradually become working poor and low-income households, you desperately hard work every day is about to earn three meals a subsistence income, you want to replace poor gene bones physique playing a rich, first of all, get lost poor faith, diligence and frugality is not your wealth Bible, the iron rice bowl will not become your salvation.
We always have money on hand to be ashamed of bitterness, only to learn to think in the idea of the rich, the poor will make a determined intrinsic "redecorating" This is really make you stand up "wealth feng shui."
People can afford, but not scrubby
Many years down, I've been watching, regardless of why wealthy bankruptcy several times, eventually to become rich. In contrast, the poor in the coming elegant or turn over when the time comes, but time and again to ignore or stay away, no matter how greedy they struggled to save money, and ultimately a poor man.
I also heard a lot of small business owners complained to me, saying that those who have just graduated from Social Fresh, why all of a mounted head of the poor, who exudes the smell and poor habits, even if separated by a few meters away, even if they a door, that the poor will be able to smell sour.
In fact, as long as their choice of development work, when he first entered the company even paid only 22K or less, then so be it?
Because, really allows them to gain a foothold in the community, not a share of a salary, but to learn from the work or to accumulate skills and Know How, as long as their capacity is strong enough, the company's contribution is high enough, the boss will naturally with a higher salary to affirm their capabilities.
Now, however, there are many young people to interview, do not ask job content or prospects, only concerned about the welfare and salary amount.
I remember once when I interviewed the couple, although other to admit nothing, but also willing to participate in the company's training, yet the gap between pay for one thousand dollars, and I dispute for a long time.
Finally, although he agreed that the salary is company policy, I can not change the temporary compromise, but I've sank half, directly on his interview table Notes: not admitted.
Rich, not a priori, rich and poor, poor, nor ordained.
The reason why people do not have equal status between rich and poor, in fact, the key is in the habit, rather than ancestors feng shui character or good, but not depend on who your father is there or marry wealthy rich princess.
Said bluntly, if you have the whole person exudes "scrubby" the habit, even if your father or ancestors more money, you can not be called rich are rich or, at most, is to have a lot of bills and exudes stench upstart Bale.
After all, a man can have no money, but not scrubby life.
Habits, the key point is the decision that you are rich or poor.
(From: Taiwan's "Business Week"; Author: Di Xiang)
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