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Now many people moonlight, get paid, the money unrestrained, by the end, we spent a whole.
There are some people, though not moonlight race, but first consumption, and the final residual number, the number of depositors, the monthly savings to the amount of the investment amount is uncertain, with some of the savings, it does not calculations.
This pattern of consumption is no financial plan, it is very difficult to accumulate wealth. Order to achieve financial goals, we must change the revenue and expenditure management, savings should be carried out before and after consumption.
How to save after spending?
You receive monthly salaries, the salary will be part of (such as 15% to 30%) to depositors, for savings or investment. Rest of the money spent on consumption, and can only use their own stringent requirements of this part of the remaining money for consumer spending, not overrun because you only so much money, you must be ready for your consumption expenditure plans, expenditure strictly controlled.
Through the "first savings, after spending" way of managing our finances, there are two main advantages:
1. To bring you a good investment and savings habits, your ongoing accumulation of wealth.
Because of your wealth and assets, your savings and investments of the action, only through your continued savings and investment, the wealth you will be growing day by day, not to save and invest, you are not your accumulation assets and wealth.
To savings and investment, with the passage of time, and investment in the choice of tools, you will become increasingly wealthy.
If you are 30 years old, a month to 1,500 yuan savings and investment, which for the majority of people are very easy to do, if the yield is 8 percent, to the age of 60, when the money will reach 2235539 yuan. To 65-year-old When the money will reach 3440824 yuan.
1,500 yuan is a small number, but you insist on savings and investment, will be turned into a huge wealth.
2. To bring you good spending habits of the planned expenditure control
Each of you, because of the amount of consumer spending is a fixed amount, to prevent cost overruns, you must do a good job in advance of the plan pointed out. On clothing, food, housing, transportation, communication, recreation and other budget expenditure needs to be done , will each control spending in the budget. To the end of each months, you will get a pleasant surprise: there may be savings part of it. Do not forget this time, to give themselves a little incentive oh: Awards will have their own plan and control the conduct of fiscal Oh, in the fiscal congratulate themselves on the road a big step forward!
"Consumer first, after savings" and the "first savings, after consumption," such a simple change in the order, in fact the concept is a major change.
I have a call in Xian Zhao friends, two years ago he and I always kept that money can not, he and I talked about "first savings, after consumption," the concept of financial management. A year later he excited told me that he kept the money a lot more than the original. I asked him: is your boss to pay up? He said no, I have asked him: you live frugally and reduce the quality of life? He said no. The only change is the "first save after consumption", the monthly payments on a plan.
"First savings, after spending" in the wealth you will be on the road to becoming rich. Realize your dream of wealth from the monthly income and expenditure plans for the most part based on the start, "first savings, after spending!"