This is an era of "making money by doing nothing". But how to make money? Opinions vary. Obviously, most of the money is still accumulated in the pockets of a few people.

Since a few people have gained a lot of wealth, their successful experience is certainly worth learning from. Let's take a look at Bodo schaffer's secret of free financial life, which is known as the "European money coach".

Company A provides medical commercial insurance for employees. In addition to medical insurance reimbursement, it can also provide secondary reimbursement for medical expenses of employees and their children, and the proportion of secondary reimbursement can reach half of medical expenses. His wife has been urging him to handle it, and he always says "wait and ask the administration department". Then a few years passed. After asking clearly, I roughly calculated the overdue expenses, reaching nearly 30 thousand.

Every "Book Festival", B I will buy a lot of books for my children, which cost more than 5K each time. I didn't remember that I didn't receive the book until I bought it for two months. The platform for buying books and the third-party shippers shirked each other, saying that books and money failed, and B was in a bad mood for those days.

C has raised her salary many times, and she is proud of being asked about her salary, but what she won't say is that the credit card bill will always exceed her salary. When others haven't earned enough 6.5438+million, she has spent 6.5438+million more.

If we know someone, we don't touch or pay attention to them, just think that we are friends. It's normal that you don't know that your friend is a big shot in a certain industry. It's normal not to get help from friends. If you still use the title of someone you know as a tool to show off, it's quite sad. Showing off also reflects your inferiority. At this point, you will say: this way of making friends is not good at all, and no one likes to be disrespected.

What if this friend is money? Do we delay, forget and abuse money like ABC did before? If so, even if we were given an Aladdin magic lamp, it would be taken away.

Money is not everything, but we can't do anything without it. We acknowledge the importance of money. At the same time, we also know that if you don't manage your money, money will ignore you. Only by facing up to our relationship with money and treating money as a true friend can we give full play to the role of money and really let money serve us.

This is also my biggest feeling after reading Qian Qian the Puppy by Bodo Schaefer. This is a money fairy tale in which children and parents grow up together. If we want to achieve financial freedom, this book may enable us to have wealth and start a rich and happy life. So, how can we make friends with money?

First, money = goose+dream list+change+investment

When we meet a new friend, we must first know what this person is like: what are the characteristics of t a's appearance? What kind of dressing style do you like? What is your hobby, hobby or pastime? What are interpersonal relationships and family relationships? Similarly, if you want to use money well, you must first understand the basic characteristics and information of money.

What did you do with the money after you got your salary? I know what the moonlight clan will do: pay off last month's credit card bill and buy what they want to buy this month, with little food, clothing, housing and transportation left.

Life is very long, and we are all worried that "something unexpected will happen." So how should we deal with the future and guard against risks? As the saying goes, "He who has no long-term worries will have near worries", so we should make our own life plans.

1. Raising geese: the basis of realizing financial freedom

If you have a goose that can lay golden eggs, will you keep it to lay one golden egg every day, or do you want to know how the goose lays golden eggs, and want to get two golden eggs every day, but you are impatient to stew it because the goose can't talk? You will definitely say keep the goose, but most people will stew it.

Goose is our money, and golden eggs are the interest generated by money.

Most people are not born with many "geese" or "geese" and cannot live on interest. But when there is a goose, we often want to satisfy the desire at that time and then kill it. So, we have neither geese nor golden eggs.

1.0 1365=37.8

This formula perfectly shows "compound interest". If you learn to raise geese from an early age, there will be geese and many golden eggs when you grow up.

For example:

If we deposit 1000 yuan every month, the interest rate is calculated at 2. 1%, and the deposit period is 15 years.

After 15 years, our principal is 18W, and the interest is 56,700 yuan, so the total amount is 236,700 yuan, which is 56,700 yuan more than the principal.

The premise is: we insist on saving and not killing your "goose". In this book, the proportion of keeping geese is 50%.

2. Dream list: achieving medium and long-term goals

From birth to toddler, to school, to graduation, to marriage and having children, to aging and death, there will be life goals to be achieved at each stage. For example, getting into college, getting married and buying a house, and so on. These goals were not all achieved at that time. For example, buying a house, ordinary people want to buy a house, mostly after years of accumulation to achieve. Therefore, we should do a good job in this medium and long-term plan.

However, there is a problem: what if you are not sure what you want in the near future or in the near future?

We might as well learn from the suggestions in the book: make a dream list, make a dream album, prepare a dream piggy bank and write a "success diary" every day.

① dream list

A dream list is to list our dreams and realize them in order of priority. Realize the first three wishes at once.

Here is a particularly important suggestion: the 72-hour rule. When you decide to do something, you must take action within 72 hours, otherwise you probably won't do it again.

② Dream album

Dream album is to collect dream fragments according to the dreams to be realized. For example, to take the postgraduate entrance examination, it is necessary to collect relevant information such as schools, majors and examination questions to be tested. The more specific the information, the easier it is for your dream to come true.

Why are you doing this? Because you want to imagine your dreams. Dreams are nothing. If they are just an idea in the brain, there is a high probability that they will be overwhelmed by other information. If you visualize and concretize your dreams, you will have a deeper understanding of them, and you will have more ways and means to realize them. Naturally, the success rate of dreams may be higher.

For example, if you want to buy a house, collect the style, layout design and furnishings of the house you like. When your dream album becomes thicker and thicker, your home will become clearer and clearer, and the gap between your house and your expectations will become smaller and smaller.

③ Dream piggy bank

If you have a dream, you must have the funds to realize it, and the dream piggy bank is essential. We can go to the bank to open a special account.

④ diary of success

A success diary is to record what you have done successfully every day, which is completely unnecessary. Use the words in the book to explain:

"As long as you continue to write a diary of success, you will continue to think more deeply about yourself, the world and the law. In this way, you will understand yourself and your wishes more and more deeply, and in turn, you will have the ability to understand others better. Fully understanding the secrets of ourselves and the world is an ideal that we cannot fully realize. What we can do is to keep getting closer to this ideal. "

In my opinion, keeping a success diary can also make us confident and brave. Our fear comes from the imagination of uncertain things. The more we imagine the possibility of failure, the more afraid we are. If you lack confidence in yourself, it will be difficult to take a successful step. A success diary can remind us of courage, hard work and change. Once we focus on positive goals, we will have the courage to face our fears and move forward bravely.

The proportion of money used to realize dreams in the book is 40%.

3. Spare money: guarantee daily expenses

The book uses 10% to handle daily expenses.

4. Investment: Let Qian Shengqian

If you have extra money, you can invest it. This part is money sponsored by others in the book. For us, it can be extra money, such as bonuses. You can also set aside some funds from the first three items, but you should weigh your daily expenses with short-term and long-term goals in combination with your own reality, and comprehensively consider the investment ratio.

This book puts forward three investment principles for reference (because everyone's investment methods and channels are different, only the big principles are listed here, and the specific elaboration and extension of the principles are not made):

You should invest your money in a safe place.

Our money should produce a lot of golden eggs.

Our investment must be easy to understand.

In addition, the "72 formula" shared in the book is also very practical: you can calculate the number of years required to double the funds and the number of years required to halve the funds. This formula can help us to calculate interest and compound interest quickly and save time in looking at complicated charts.

Divide 72 by the annual rate of return of the invested capital, which is the number of years it takes to double the money.

Divide 72 by the inflation rate, that is, the real value of the money will be halved after many years.

Are these basic characteristics and basic information of money the same as what you know?

Second, the way to make money

Only when you have a basic understanding of your friends can you establish diplomatic relations. We need to know the concerns of friends, that is, where friends are willing to put their energy. These places are places where friends generate self-worth and are proud of it. These places are the easiest places for us to spark friendship with our friends. Facing money, we need to know how money generates value.

1. The business opportunity to make money lies in helping others.

At first glance, it seems impossible to sell combs to monks. But someone can sell it.

Some people say: pilgrims come from afar, travel-stained, slovenly, so worshipping Buddha does not respect Buddha. I bought a comb and asked pilgrims to tidy up gfd to show their respect for Buddha.

Monks bought 10.

Some people say: you can give a comb as a gift to pilgrims, which is affordable and meaningful, and the incense will be more prosperous.

Monks bought it 100.

Some people say that the words "peace", "goodness" and "sincerity" can be engraved on the comb, and the Buddhism can also be promoted.

Monks bought 1000.

Some people say that combs are necessary for good men to believe in women, and they are often carried by female pilgrims. A master can light a comb and turn it into a pilgrim's amulet. Doing good deeds can ensure peace, promote Buddhism and publicize the name of the temple.

Monks bought 10000.

These people are all selling combs. The reason why they can do seemingly impossible things is because they stand on the side of monks and help them solve the problem of the continuation of incense. Of course, the better the influence of the method, the higher the turnover of the final comb. How much money you earn depends on how many people you help.

Always focus on what you know, can do and have.

Thinking about looking up a document, I found an introduction book in it, so I opened it and decided to buy one. Dangdang's recommendation popped up saying that clothes were on sale recently, so I went in to have a look. I didn't expect shoes to be discounted, not only for adults, but also for children. Click again to see. The new model is also on the line next season. The same model with celebrity endorsements is also available ... What were you doing when you first turned on your mobile phone?

This is a modern "bear breaking corn" story. We all refuse internal friction and focus on ourselves first.

Ren Zheng Fei said: When he raises pigs, he becomes the king of raising pigs; If grinding bean curd, he will be the king of grinding bean curd. If you choose, you won't change. Why did he succeed? Because he will continue to study. He chose the communication industry, so he didn't set foot in real estate at the same time. Huawei's success is due to concentration and concentration.

No big tree is rootless, so don't dream of becoming a hanging garden. When we make a good choice and do something, we must be down to earth. What you know, what you can do and what you have are the "roots" of your success.

Don't pin your hopes on just one job, find another job quickly.

Nothing is irreplaceable, and so is work. So now many people have a "sideline" and become a "slash youth". This is "more open source", and it is also in line with the trend of the times and increasing its weight without sinking into the bottom.

The work itself is worth at most half of the reward, and the other half comes from your ideas and the courage to realize it.

I recently contacted an investor who wanted to open a restaurant when he started his business. But when he had no money, he thought of using crowdfunding and live broadcast. He broadcast live on the internet, first lifted the stool and promised to give people who participated in crowdfunding N times the return. And as long as crowdfunding is successful, he will broadcast live what crowdfunding has achieved. In this way, he raised funds for stools, tables, etc. It also successfully attracted traffic. He opened his first shop. The store's furnishings are patchy, but it has a unique nostalgic temperament, which has become an online celebrity store. Slowly, he grew up. This man is now worth more than 2 billion.

In fact, we miss success every day, because every day we have the idea of possible success in our minds. These ideas are precious, but they are stillborn. Either because they don't pay attention to it or because they lack the courage to implement it. "All roads lead to Rome", but people who are not on the road will definitely not see Rome.

End a debt

If you want to accumulate wealth, you must open up new sources and reduce expenditure, and then the debt will be "reduced" immediately.

① Cancel the credit card.

Don't cling to credit card discounts, points, etc. Even if the discount is more cost-effective, it is more expensive than "no money".

② Pay according to the minimum installment amount standard within the allowable range.

The best way is not to borrow money.

If there is no way to get a loan, many people want to pay off the loan as soon as possible in order to pay less interest, so the agreed installment amount is generally the upper limit that the lender can bear, so the lender's remaining money is limited. We all underestimate the cost of daily life. If we need to repair big items or encounter other things, then we are likely to apply for a loan again. Life will enter a vicious circle.

③ After deducting the living expenses, the remaining half is saved, and the remaining half is used to repay the consumer loan. It is best not to apply for a consumer loan.

Generally speaking, the lender will pay off all the money that is not used for living. But what is the result after such a nervous debt repayment? When the debt is paid off, there will only be a lonely "zero", that is, nothing. This is not our goal in life. Our goal is to realize the "dream list".

So, even if you are in debt, you should start saving money.

4 rational consumption, do not spend unnecessary money.

Whether you are in debt or not, you should ask yourself before buying: Is this really necessary? Then make a "buy" or "not buy" decision.

Third, abandon the wrong view of money.

Finally, we need to know this friend's temper, especially his bottom line, and try not to touch each other's bottom line. Let alone "follow the crowd" to cause misunderstanding.

1. Money will ruin a person's character.

Money itself will not make people happy or unhappy. It is neutral, neither good nor bad. Only when money belongs to someone and is used in good or bad places will it have a good or bad meaning to users-happy people will be happier with money, and the more money unfortunate people have, the more trouble they will get.

Money also exposes a person's character like a magnifying glass. People with good character have money, are charitable and help more people; People with poor character have money and may do things that are not good for them.

Money will not ruin a person's character. People have different personalities and spend money in different ways.

2. The safety of funds is the most important.

The older generation prefer to wait and see with money, thinking that capital preservation is more important, and other open sources dare not consider except capital preservation.

Only give birth to a goose, and don't let it lay eggs, it will spoil it. If the currency growth rate can't keep up with the inflation rate, the currency will depreciate.

You shouldn't get a financial reward for doing what you like.

We are ashamed to talk about money with others, as if we were doing something for tiger skin. We think that helping others is an obligation and a duty, and we charge too much money.

We are valuable, and so are our efforts. It is precisely because we like it, we invest, we pay, we achieve results, and we realize value. I think it is a kind of respect that others are willing to give back our value through money.

Step 4 despise small money

When I have no job, I still despise the part-time job of 1000 yuan. This kind of psychology is not good.

The money is neither high nor low, let alone not. The money you get through your own efforts is your own money. Just like your own child, no matter who you grow up to be, you are your own child.

Don't underestimate Penny, and don't underestimate Penny. A drop of water wears away a stone, and wealth accumulates over time. Moreover, in the process of making money, money is only a part of its value. In the constant exploration, we have accumulated our own experience, and experience is a lever that can incite wealth.

It is better to act at once than to wait for an opportunity.

The book says: stupid people are lucky only once, and smart people are always lucky. Luck is the result of full preparation and hard work.

No secret of success is as real as immediate action.

Matsuura Yataro said:

Money often helps itself and exists like a friend. So every time you open your wallet, ask yourself. If you spend money on it, will you be bored or happy? On this basis, explore the working style and lifestyle that money likes.

Treat money like a friend, and money will repay us like a friend. Someone has tried and succeeded, so we might as well try.