Trong cuộc sống bạn đã từng nghe người khác than thở, tôi kiếm được tháng gần chục triệu mà được mấy ngày là hết sạch tiền, không biết nó chạy đâu hết. Nghe nhàm rồi phải không?
Trước đây mình cũng khá rắc rối trong việc chi tiêu vì không biết cách thức chi tiêu như thế nào là hợp lý và công thức quản lý tiền là như thể nào?
Vô tình mình đọc được công thức quản lý tiền cũng khá hay muốn chia sẽ cho mọi người cùng tham khảo.
Chúng ta bắt đầu thôi…
Lương của bạn có đủ tiêu không? Tất cả phù thuộc vào chính bạn.
Giả sử thu nhập của bạn là 7 triệu/ tháng, thì bạn cũng có thể chi tiêu khá thoái mải nếu bại chia nhỏ món tiền đó ra thành 5 phần lần lượt như sau: 2 triệu, 1.5 triệu, 1 triệu, 700k và 1.8 triệu.
Quỹ 1 : Dùng 2 triệu để chi tiêu ăn uống
Hãy tập sống đơn giản, chi tiêu tiết kiệm dưới 70k mỗi ngày, rèn luyện thể dục đều đặn.
Bữa sáng 15k ăn mỳ trứng sữa là được, bữa trưa 30k ăn đơn giản bổ sung ít rau quả tươi, bữa tối 30k tự nấu món rau củ và thêm 1 cốc sữa trước khi ngủ.
Mỗi tháng tiền ăn uống một vài triệu cũng phải tiết kiệm, nhưng hãy tập thói quen chế độ ăn uống này để xây dựng mục tiêu cho tương lai. Chúng ta còn sức trẻ nên cứ hãy chịu khó, khổ trước sướng sau thế mới giàu.
Lời khuyên là không nên làm việc quá sức, ngủ 7 tiếng/ngày trở lên, giữ gìn luyện tập thể dục đều đặn, những bài thiền nhẹ nhàng.
Quỹ 2: Dùng 1.5 triệu tạo mối kết giao
Mỗi tháng dùng 200k để nạp tiền điện thoại, còn lại dùng nó để đãi bạn bè 2 lần mỗi tháng, 500k~700k mỗi lần.
Hãy kết giao với bạn bè cùng chí hướng, những người nhiều kiến thức hơn bạn, người thành công hơn bạn hay những người giúp đỡ bạn nhiều trong cuộc sống.
Hãy làm đều như thế đều đặn hàng tháng, một vài năm sau bạn đã xây dựng được mối quan hệ kết giao trong xã hội và những người bạn kết giao họ cũng không ngần ngại giúp đỡ bạn trong cuộc sống.
Bạn phải là người có chí tiến thủ, không ngừng học hỏi và trau dồi kiến thức và kinh nghiệm sống. Hãy tạo mối kết giao chân thành, luôn phải nhớ dùng tiền để xây dựng mối quan hệ không phải để mua sự quen biết.
Quỹ 3: Dùng 1 triệu để mua sách
Bạn đã bao giờ nghĩ kiến thức là vô cùng vô tận chưa? Nếu nghĩ được như vậy là bạn đang có niềm tin để chinh phục những kiến thức mới trong cuộc sống rồi đó.
Việc học chưa bao giờ là kết thúc, học từ bạn bè, học từ sách vở, kiến thức là vô tận và sự hiểu biết của con người như hạt cát giữa sa mạc nên hãy giành thời gian để học và học.
Đừng bao giờ ngừng đọc sách, hãy chọn cho mình những cuốn sách hay nhất của những người thành công đọc và học hỏi. Mỗi tháng chi 200-400k mua sách. Sách mua rồi cần đọc kỹ và học bài học chiến lược được chỉ dẫn trong đó.
Mỗi cuốn sách sau khi đọc, hãy “tiêu hóa” thành câu chuyện riêng và đừng ngại chia sẻ cho bạn bè những kiến thức mình học được để tăng sự tín nhiệm bản thân.
Ngoài ra, có thể dành 700k ngàn hàng tháng để đi học. Sau này có điều kiện hơn, hãy đi học những khóa cao cấp hơn. Việc tham gia các lớp học không chỉ để bạn thu thập kiến thức tốt, mà đó là cơ hội để gặp gỡ những bạn cùng chí hướng hiếm có khó tìm.
Quỹ 4: Dùng 700k để đi để du lịch
Thu nhập ba đồng ba cọc như vậy thì đi du lịch thế nào được! Bạn hãy bình tĩnh nghe mình nói: Hãy dùng tiền để mua sự trải nghiệm và niềm vui cho cuộc sống.
Với khoản tiền ít ỏi chúng ta nên tìm những chuyến du lịch giá rẻ tiết kiệm. Hãy tham khảo du lịch giá rẻ ở đây: https://bit.ly/2T2DF7q
Sau vài năm, bạn sẽ đi được nhiều nơi và có nhiều trải nghiệm khác nhau – hãy dùng trải nghiệm để nạp năng lượng nuôi đam mê cho cuộc sống của bạn.
Quỹ 5: Dùng 1.8 triệu để đầu tư sinh lời.
Nếu bạn chưa thực sự bắt đầu cho việc đầu tư kinh doanh, hay dự án của riêng mình, hãy quẳng nó vào ngân hàng và nuôi nó lớn dần. Cái này bạn có thể dùng tiền để đầu tư khác kênh khác, tùy bạn nhé!
Khi quỹ tiền đủ lớn thì hãy bắt đầu khởi nghiệp kinh doanh nhỏ, tìm những nhà buôn sỉ và tìm sản phẩm bán lẻ để bán, hãy trở thành nhà bán hàng thực thụ.
Kinh doanh nhỏ sẽ giúp bạn trải nghiệm với mô hình kinh doanh, khi kiếm được số tiền từ kinh doanh bạn sẽ có động lực hơn để nuôi ước mơ khởi nghiệp kinh doanh.
Hãy xây dựng mô hình kinh doanh nhỏ thành công trước khi bạn muốn vươn chân ra biển lớn, kinh nghiệm hôm nay là chiếc phao cứu sinh để cứu bạn sống sót trên biển lớn.
Với mức thu nhập hàng tháng 7 triệu thì thực sự không phải dễ dàng gì. Nhưng hãy tin rằng nếu bạn làm theo cách này, bạn sẽ đạt mục tiêu 10 triệu/ tháng, 15 triệu/ tháng, 20 triệu/tháng trong vài năm tới.
Hãy thiết kế cuộc sống và lên kế hoạch ngay từ bây giờ!
Hãy nhớ rằng khi ta còn nghèo hãy dành thời gian ở nhà ít hơn ra ngoài đường. Còn khi bạn giàu rồi, hãy ở nhà nhiều hơn và bớt đi ra ngoài.
Khi bạn nghèo hãy tiêu tiền cho người khác. Khi bạn giàu lên hãy tiêu cho mình. Nhiều người không biết đang làm ngược lại.
Khi bạn còn nghèo, hãy tốt với mọi người, đừng tính toán so đo. Khi bạn giàu lên, bạn phải học cách để mọi người đối xử tốt với bạn. Bạn phải học cách tốt hơn với bản thân.
Khi bạn nghèo, hãy quẳng mình ra ngoài đường để mọi người sử dụng hết con người của bạn. Khi bạn giàu, bạn phải giữ mình, để tránh người khác lợi dụng. Đây là những cách sống tinh vi ở đời mà nhiều người không hiểu.
Khi bạn nghèo, hãy tiêu tiền sao cho mọi người trông thấy, khi bạn giàu, đừng khoe khoang. Hãy tiêu tiền cho bản thân một cách âm thầm.
Hãy dùng những đồng tiền nhỏ nhoi để xây dựng một tư tưởng lớn, hãy biết cách quản lý tiền bạc khoa học. Những gì bạn học được hôm nay là mục tiêu tương lai của bạn, hãy luôn không ngừng cố gắng và thành công sẽ đến với bạn.
Chúc bạn ngày mới vui vẻ~
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