財商:要富口袋,先富腦袋 學會聰明理財,低薪族也能財務自由 (Traditional Chinese Edition)
財商:要富口袋,先富腦袋 學會聰明理財,低薪族也能財務自由 (Traditional Chinese Edition)

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當今社會競爭非常激烈,人人都面臨著機遇和挑戰:一方面是這些年國際經濟快速轉變,帶來的金錢收益普遍增加;另一方面是物價指數連續走高的影響,這些因素讓我們想不理財都不行。讓我們想想,要是別人的財富與日俱增,而我們自己卻始終處在財富的較低層次,整天為柴米油鹽醬醋茶而擔心的話,你心裡是什麼滋味?其實,也許你的收入並不高,可是只要你能將它們做個合理的規劃和運用,那麼,我想你也會在生活中過得快樂。這就告訴我們:在現代社會,理財已經成為人們生活中不可或缺的一部分。俗話說,你不理財,財不理你。特別是中小學生,更要從小樹立理財的意識,樹立正確的理財觀。我們要知道善於理財很重要,也許你會認為自己現在還沒有多少錢,根本沒必要去理財。事實上,我們應該盡早學會理財,這樣才能把我們平時的零用錢精心規劃、合理安排。理財的本質就是善於用錢,使我們的財務收支狀況處於最佳狀態,從而提高個人的生活品質。我們可以打個這樣的比方:理財和整理房間有一定的類似之處。如果我們擁有一棟大房子,自然需要收拾整理。當然,要是房子的空間狹小,則在精心收拾和整理下才能留出足夠的空間容納東西。對我們來說,要是房子的空間越少,就越需要整理和合理的規劃安排,否則會凌亂不堪。對於我們理財來說,當我們可支配的資金越少時,就越需要我們透過精心安排,把這些有限的錢用得恰到好處。所以,要想合理規劃和運用自己的錢財,就要掌握適當的理財方法。理財主要包括兩個方面:賺錢和花錢。賺錢就是如何積累財富,讓我們能夠得到錢。而花錢則是如何用最少的錢獲取最好的服務和最大的滿足。我們要理財,首先要確認自己的理財目標。在這一過程中,我們還需要有投資理財的方法和工具,並且掌握好時間。一般而言,早投資多回報,早理財早受益。

  • Released: October 10, 2020
  • Author: 粱夢萍,才永發
  • Rating: 5
  • Publisher: Ebook Store Group
  • Total Page: 209 pages
  • File Size: 1376 KB

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