When speak of spending money, many people will immediately think of to save money. Is it really? Recently, the new book "learn to spend money" to put forward a different point of view. The author of the book Noguchi real Japanese is a famous MBA instructor, long active in the financial sector, has in Reid Bank, JP Morgan Chase, Goldman Sachs and other companies work, is a financial sector of the big coffee. The author said that most of us spend money on the existence of errors, the real money will not save money, but the more money to spend more.
How can money spend more? The author said, in order to spend more money, first of all to learn to distinguish between three wallet. The three wallets are speculative wallets, investment wallets and consumer wallets.
The first kind of speculative wallet, is the money to do hit the big thing. Such as buying lottery tickets, gambling, or buying works of art, collectibles, thinking maybe it will appreciate in the future. The author suggested that such wallets should not be used, because speculation is completely unable to control this matter, if you want to earn money and indulge in speculation, it is likely to lose home hard accumulation of assets.
The second is to invest in wallet, that is to spend money to buy the future may make more money opportunities. Spend the purse of the money must be more and more good, because the money can be earned after more. Like to buy financial products, investment business are considered. In addition, to buy their own training courses to learn to charge, investment in children's education funds, are very important investment behavior, the future may have a huge income.
The third: consumption wallet. Consumption wallet refers to the behavior in order to meet the personal desire to spend money, such as buying flowers, shopping to buy clothes and so on. The author said that this kind of wallet to moderate spend, how to be appropriate? The author gave two tips. One is to look at the money worthless, both to see the price, but also the pursuit of consumption itself to bring satisfaction. For example, to buy a piece of expensive but the quality of the clothes than to buy 10 cheap goods will spend money, because the former both psychological satisfaction and practical value are higher. Another skill is: as much as possible with the investment wallet earned part of the money consumption, so that your total assets are still increasing, not because of consumption and eating, affecting the ability to make money.
Multi-purpose investment wallet, moderate consumption of wallet, to avoid using speculative wallet, which is the basic principle of learning to spend money. On this basis, you have to know an important principle, in order to spend more money, that is, "only after the purchase will be more valuable things." Of course, the reason everyone knows, the question is how to do to determine what I bought after the value of money? Moreover, some things itself is difficult to estimate the value, let alone the value of the future.
However, in the economist's view, almost all of the value can be converted into money to compare. For example, you have to learn English and now have two English courses. A daily English training, 30,000 pieces. The other is one to one business English training, 100,000. How to choose?
First of all, for different people, the same thing or the value of the goods in the future is completely different. If you are ready to enter foreign companies, that fluent business English requirements are high, and the next year's income can reach 100 million, no doubt the choice of 100,000 training courses. If you are already a working employee, just want to go abroad to play, to avoid language communication barriers, this time as long as you calculate it, after going abroad if not because of English translation costs, more than 30,000 yuan, then you now spend This is 30,000 yuan, is worth it.
Secondly, you have to count the discount rate. What does that mean? We know that the future money may not have the money now, three years after the thousands of dollars may only be equivalent to the current 80,000 dollars, so in the calculation of future earnings, it is necessary to make a discount to the future money , This discount is called discount rate. The truth sounds simple, but most people often do not realize this problem. Imagine, if you work in 4 years is fixed 1 million yuan, there are two ways to pay wages: the first is the increase in wages year by year, the first year of 100,000, the second year of 200,000, the third year of 300,000 , The fourth year of 400,000; the second wage decreased year by year, the first year of 400,000, the second year of 300,000, the third year of 200,000, the fourth year of 100,000. What kind of way are you willing to choose? Many people will be willing to choose the former, that is, wage income is increasing. But in fact, know the concept of discount rate you know, since the total is the same, the sooner you get more money, the less your discount loss.
Of course, with the change of time not only the value of money, your own values, preferences, the state is also changing, these are to be considered into the factors.
How can money spend more? The author said, in order to spend more money, first of all to learn to distinguish between three wallet. The three wallets are speculative wallets, investment wallets and consumer wallets.
The first kind of speculative wallet, is the money to do hit the big thing. Such as buying lottery tickets, gambling, or buying works of art, collectibles, thinking maybe it will appreciate in the future. The author suggested that such wallets should not be used, because speculation is completely unable to control this matter, if you want to earn money and indulge in speculation, it is likely to lose home hard accumulation of assets.
The second is to invest in wallet, that is to spend money to buy the future may make more money opportunities. Spend the purse of the money must be more and more good, because the money can be earned after more. Like to buy financial products, investment business are considered. In addition, to buy their own training courses to learn to charge, investment in children's education funds, are very important investment behavior, the future may have a huge income.
The third: consumption wallet. Consumption wallet refers to the behavior in order to meet the personal desire to spend money, such as buying flowers, shopping to buy clothes and so on. The author said that this kind of wallet to moderate spend, how to be appropriate? The author gave two tips. One is to look at the money worthless, both to see the price, but also the pursuit of consumption itself to bring satisfaction. For example, to buy a piece of expensive but the quality of the clothes than to buy 10 cheap goods will spend money, because the former both psychological satisfaction and practical value are higher. Another skill is: as much as possible with the investment wallet earned part of the money consumption, so that your total assets are still increasing, not because of consumption and eating, affecting the ability to make money.
Multi-purpose investment wallet, moderate consumption of wallet, to avoid using speculative wallet, which is the basic principle of learning to spend money. On this basis, you have to know an important principle, in order to spend more money, that is, "only after the purchase will be more valuable things." Of course, the reason everyone knows, the question is how to do to determine what I bought after the value of money? Moreover, some things itself is difficult to estimate the value, let alone the value of the future.
However, in the economist's view, almost all of the value can be converted into money to compare. For example, you have to learn English and now have two English courses. A daily English training, 30,000 pieces. The other is one to one business English training, 100,000. How to choose?
First of all, for different people, the same thing or the value of the goods in the future is completely different. If you are ready to enter foreign companies, that fluent business English requirements are high, and the next year's income can reach 100 million, no doubt the choice of 100,000 training courses. If you are already a working employee, just want to go abroad to play, to avoid language communication barriers, this time as long as you calculate it, after going abroad if not because of English translation costs, more than 30,000 yuan, then you now spend This is 30,000 yuan, is worth it.
Secondly, you have to count the discount rate. What does that mean? We know that the future money may not have the money now, three years after the thousands of dollars may only be equivalent to the current 80,000 dollars, so in the calculation of future earnings, it is necessary to make a discount to the future money , This discount is called discount rate. The truth sounds simple, but most people often do not realize this problem. Imagine, if you work in 4 years is fixed 1 million yuan, there are two ways to pay wages: the first is the increase in wages year by year, the first year of 100,000, the second year of 200,000, the third year of 300,000 , The fourth year of 400,000; the second wage decreased year by year, the first year of 400,000, the second year of 300,000, the third year of 200,000, the fourth year of 100,000. What kind of way are you willing to choose? Many people will be willing to choose the former, that is, wage income is increasing. But in fact, know the concept of discount rate you know, since the total is the same, the sooner you get more money, the less your discount loss.
Of course, with the change of time not only the value of money, your own values, preferences, the state is also changing, these are to be considered into the factors.
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