Actually, this is a question that has puzzled me for many years. Why am I always poor?

once, I thought I found many specious reasons just because my family was too ordinary, I didn't study hard enough and I was not good-looking.

So, I worked hard after graduation.

I was the first to come to the office, boiled water for the leader and tidied up my work station. My colleagues have not arrived at the office yet, and I have finished the work plan for the day.

In order to make up for my unattractive appearance, I bought beautiful clothes for myself every now and then, learned makeup and collocation.

...

After working for four years, the bank had a little money, and the daily expenses were arbitrary, and the life was quite moist. At that time, I felt that I was no longer poor.

all these things went bad after having a baby in a flash marriage.

after I got pregnant with my baby, I found that the object of flash marriage did not agree with my three views, and it was extremely wonderful. But I decided to be a mother, so I have to be a good mother.

The subsequent experience can be summarized in one sentence:

Giving birth to a child is a person's business, and raising a child is also a person's business.

With the mortgage and the baby's milk powder, diapers and so on, I find that I can't buy any consumer goods for myself.

So, at the beginning of the year, I started all kinds of studies, trying to find all kinds of cash opportunities outside my career.

I learned the concept of financial management for the first time in teacher Qiu Shui's financial management group.

With the encouragement of Mr. Zuo, I finally opened a stock account and tried to learn about stock trading. According to the expected scenario, this should be the prospect of realizing money and making money smoothly.

However, after several months' trial and error, the accumulated losses in the stock account are already frightening. When I didn't use digital statistics, I felt that I didn't lose much. I used digital statistics yesterday and found that my loss rate has reached 2%.

Although I have the concept of financial management, my expenses have been reduced to the extreme. I haven't bought clothes for half a year, and all unnecessary expenses have been erased. I still eat and drink at my parents' house, and some babies have to rely on my parents to help me.

even so, I feel that I am still short of money. I'm sure there are still fatal problems to be solved, so I can't get rid of the poor.

Yesterday, when I started studying the writing class of Sister Xing, I suddenly found that there was a discount for buying classes for double twelve on the website of Weiku, so I immediately clicked in to check it out.

I saw Shuimei's basic financial management class and immediately bought it. Teacher Shui Mei's story is also one of my idols. She and her lover founded Changtou. com, and the stock courses of Changtou. com cost more than 1, yuan. Because I am soberly aware that I lack the foundation of financial management, fortunately, starting from the learning foundation, the course of 99 yuan price is now half price, which is really cost-effective.

The content of the second lesson answers the question that has puzzled me for many years: 18 ways to become poor-get rid of the poor thinking and move towards wealth freedom.

1 refuse to talk about money, despise talking about money

Have you ever despised or been embarrassed to talk about money?

I used to be the kind of thing that I felt particularly vulgar when talking about money, and I was particularly embarrassed when I met the scene of bargaining. Therefore, in the past, when I went to the market to buy things, I only had the experience of being slaughtered. On the face, I think talking about money will make me narrow-minded, and talking about money will make me have no money. As a result, this kind of cognition really makes me pay more money than others, but the goods I get are not necessarily better than others.

2 I don't have the habit of saving and spend all my money

In the years when I worked part-time at school and just started working, I was a veritable moonlight clan. Although I have two part-time jobs with good income, two part-time jobs in Spanish tutor and Sunshine English Language School, the monthly income can reach nearly 2 thousand. Before I got it, I had already figured out what to buy and what to buy, and I never saved any money for emergencies. At the beginning of work, because in Shenzhen and Shanghai, all kinds of delicious food are to be tried, and interesting things are not to be missed. It costs money to get in and out, and it is even more difficult to save money.

3 trust other people's advice

I have really stepped on a lot of pits in financial management.

After listening to a financial management audio, others recommended funds as the safest way to invest, so I bought two funds at once, invested for six months, and lost several hundred yuan again.

4 don't judge risks, only see benefits

For financial management, this miscalculation is very common. When I first started trading stocks, as soon as I saw a stock price surge, I immediately started. When I rarely analyze whether the status quo is already high, I just think about another daily limit, and the 1% profit is still very tempting. As a result, as soon as I bought it, I immediately fell and fell, falling by 7%.

5 Join the MLM organization

Fortunately, this pit has not been stepped on. However, some friends around me have experienced it, and the money they invested was lost. They also encouraged relatives and friends around them to join, which led to no one wanting to contact TA now.

6 When you make money, you are lucky.

Looking back on the stock trading experience in these two months, it really proves this point perfectly. When I earned it, I thought it would be a little higher. As a result, it immediately turned around. When it was as low as the psychological expectation, I reluctantly cut the meat and sold it. After that, the stock immediately soared.

Although I knew that the stock market was depressed during this period, I always felt that I should be lucky, and I felt that I was almost in the right place. I rushed into the market, but the result fell again and again.

to be honest, you can't take chances. There are so many unlucky people in this world that I am not so lucky.

7 Never take action

In fact, when I was in college, I knew that some students started to manage money and stocks.

however, I feel very troublesome when I hear a series of procedures for opening an account mentioned by TA. The idea at that time was funny: "My time is precious, and I don't want to bother doing such a troublesome thing."

then, every time I think about doing it, I will convince myself that the market is not good these days. I'm so busy at work these two days that I really don't want to run around.

anyway, there will always be a lot of reasons. There is only one reason to act, and I really need to do it.

8 herd mentality, herd effect

When you go out, you will always meet a big sale, and then you will see that the price is affordable. If you are not careful, you will feel that you need both this and that, and then you will spend your money.

I saw my colleagues say that a P2P is now earning a lot of money. Seeing that colleagues and friends around me are buying, I immediately patted my head and quickly started.

9 Don't think about saving time with money, just think about saving money with time

A bottle of Coke from the cinema, 15 yuan, is a 1-minute walk to the supermarket. Coke only needs 5 yuan. Would you choose to buy it in the cinema or in the supermarket? I believe many people will choose to buy it directly in the cinema. This example is actually not convincing.

If it's a general cleaning at home, it takes 5 hours to clean it yourself, but it only takes 2 hours to get it done by asking the cleaner's aunt. You only need to pay 1 yuan. What would you choose at this time?

I started to manage money and study. If I make a choice now, I will choose to ask my aunt for help. But I didn't before. Why? Because at that time I felt that my time was worthless.

1 value money more than opportunity

If you have two jobs in front of you, one is the front desk of a large enterprise with a monthly salary of 5, yuan, and the other is a copywriter of a startup company with a monthly salary of 4, yuan. Which one would you choose?

if you choose the former without hesitation, it may mean that you are still in a poor state of mind.

11 I would rather spend time saving money than learning to make money

12 I only want to do it myself, and I don't want to increase people. The leverage of money and time

13 is driven by urgent things, and I don't do things that have a great impact on the future

14 I don't have probabilistic thinking

15 I don't seek change and break through myself. Don't break out of your comfort zone

16 Make investments that you don't understand

17 Only rely on emotional impulse and don't rely on rational judgment

18 You can't insist on your independent thinking and give in to the experts

. Can friends reply and tell their stories?

This is the reason why Shuimei Story made this program. If I had known these 18 kinds of thinking of the poor earlier, I might not be poor now.

If you are interested in her course, just click on the link address in the comment area.

By the way, guest officer, remember to give a compliment. You will look better!

Day 29 of No-ring 365 Extreme Challenge Day Shift Camp