Investing in nothing is like investing in yourself

Investing in nothing is like investing in yourself <br /> Recently, a post titled "The Post-80s Working Girl's Struggle History from 0-100W" quickly became popular on the Internet. With a young age, with the help of his own financial management concept, the experience of buying a house and a shop in 7 years has attracted thousands of netizens to follow.
"I am just an ordinary 80-year-old girl. I believe that many people can do better than me." Yesterday, the postmaster Xiaojiu told reporters: "This is not a story, a reality that everyone can touch."
Work 7 years to get a room and a shop
In 2004, when Xiaoli, 22, officially joined the work, he only asked for "satisfaction."
"At that time, the money I got in a month was less than 2,000 yuan," Xiao Jiu recalled. "Without the necessary living expenses, there will be no spare cash." I heard that the help unit wrote a publicity manuscript with extra bonuses. Xiaojiu started in amateurs. Time is diligent.
By the end of 2004, Xiao Jiu had saved the first 10,000 yuan in his life in a bank. "It’s the first step on the financial road," Xiao Ji said with a smile. In order to restrain themselves from spending money, in 2005, Xiao Jiu went to the bank to handle the zero deposit and withdrawal business, and insisted on depositing 1,000 yuan per month.
In the winter of 2007, Xiao Jiu’s bank card number showed a number of “7”. With this "first bucket of gold", she began to look for business opportunities. “From 2007 to 2008, I ran through the three towns of Wuhan and saw more than a dozen shops. But this meager hard money in the hands is not a good shop, and the shop is unwilling to buy it,” Xiao Jiu said. .
At the end of 2008, house prices were quietly loose, and Xiaojiu finally got out. A down payment of 100,000 yuan was purchased for a house in Panlongcheng.
At this time, Xiao Jiu also began to study the fund market. "My fund's thinking is inaction," Xiao Jiu said. "After one day, the stock market does not rise. No one can make it clear, but I believe that the stock market will rise in 10 years, because China is developing at a high speed." Therefore, Xiao Jiu resolutely chose to buy index funds.
Hard work has allowed Xiao Jiu to rise to a few levels. In 2019, her monthly salary has reached more than 5,000 yuan. At the beginning of this year, Xiaojiu discovered that with the idea of ​​long-term operation, the fund invested 140,000 yuan in the past three years actually earned a profit of about 40,000 yuan. Coupled with three years of work, manuscript fees, and the accumulation of bonuses, Xiao Jiu has dropped nearly 200,000 yuan on her head. She once again turned her attention to the shops.
After more than half a year of searching, at the end of July, Xiao Jiu set up an underground shop in the street business district. She told reporters: "The shop is 20 square meters, 30 years of use rights, the total price of 540,000 yuan. In order to avoid high interest rates, I have 2 credit cards, a total of 200,000 yuan overdraft. With the support of parents, has Shop money is paid in one lump sum."
Financial management has to go through the post of personality road Xiaojiu, which quickly attracted a large number of netizens' posts. There are envy and doubts. The reporter saw yesterday that about a thousand netizens commented.
"You don't manage your finances, you don't care about you. Regardless of the income level and the length of service, everyone is also facing the problem of financial management. But everyone's situation is different, and the way of managing money is definitely different," Xiaoji said when summing up his financial management ideas. : "The first one still has to do his job well, and the work will naturally return you. In addition, financial management should be early, there should always be financial management concepts, not spending money, and not paying for idle money."
However, when you enter the market, you choose investment funds such as index funds, chasing non-property shops, and using credit card financing. In the view of some financial planners, it is not a regular way of managing money.
Wu Zhiguang, a financial planner at the Wuhan Branch of Shanghai Pudong Development Bank, told the reporter: “The index fund is actually the most risky because it is completely following the big market and lacks the initiative to avoid risks. In addition, the state’s policy on real estate is constantly tightening, now the shop The price has been speculated to be relatively high, almost overdrafting the premium for the next 5-10 years. Shops without property rights are more risky and not a mainstream investment channel."
Wu Zhiguang pointed out: "This year, bank credit is tightening, and many people want to use credit card financing, even to raise cards. But once a credit card has an interest-free period of more than 50 days, it will charge five-thousandths of a day. Paying late fees, once the cash flow problems, the cost is also high. The main role of credit cards is consumption, not recommended for investment."
“There is no best way to manage money, only the most suitable financial management method,” Wu Zhiguang said. “The interest on the bank’s one-year time deposit is now 3.5%, and the CPI is estimated to be 4%, so putting money on it is a depreciation. For a few years of work, young people with a savings of 100,000 to 200,000 yuan, the most suitable financial management methods are bank wealth management products, gold spot trading, fund investment, etc."
Netizen fine: Moonlight family drifted. Eating and drinking Lazar is not enough, where is the money to manage money?
Xiaojiu: Eat and drink Lazard saves 1 yuan per day, saves 4 yuan a day, and saves more than 1,500 yuan in one year! Flies are also meat, and of course you can't treat yourself too much! Women want to be pampered!
Netizen vegetable radish: If my deposit is only 10,000 yuan, the monthly salary is 2700 yuan, where should I start to manage money?
Xiao Jiu: First, you can get insurance, especially if the work is not very stable and there is no medical insurance. Then there is savings, and zero deposits are taken. It is also possible for the fund to vote, and not to impulsive consumption. No matter what method you use, don't expect to get rich overnight, with a long stream of water, and collecting more and more is the right way.
Netizen Xiaoyou: The monthly salary is only two or three thousand yuan. I don’t know where the money is going. What should I do?
Xiao Jiu: People who don't know where the money is spent must be accounted for! This must be adhered to. I downloaded the "digging money" accounting software on my mobile phone, and every money was classified. I can guarantee that you will be shocked in less than two months. It turns out that my money is being "squandered" like this!