[Recommendation of good books] Family planning: A must-read book on financial consolidation for petty bourgeoisie families

This is actually quite amazing. Before I started working as a soldier, the only books I could read seriously should only be comics, and it was difficult for me to concentrate on reading even novels. But because the time when I was a soldier was really too free except for physical fitness training, I slowly learned to start reading, until later I was very afraid to devote myself to reading, because the end of it was to stream endless reading. , so once the time is very scattered, I don’t want to devote myself to reading, but during the Chinese New Year, it is so boring , I accidentally read a few books, and then accidentally bought the next batch of books .

The book I want to recommend this time is a book from a friend I know. She currently has her own podcast on itunes. After a period of compilation, she is loyal to publishing this book: A must-read financial rectification treasure for petty bourgeoisie families. Dian, this recommendation article has no karma at all. After I actually read the book, because I have experienced these things myself, I feel that the content in it can be used as a reference book, and the family can be adjusted step by step. Economic physique and financial consensus between husband and wife.

Run the family as a company

This concept is definitely not to manage family members as social animals. In fact, the structure of marriage is a lifelong contract in my opinion. Of course, many people break the contract and start litigation when they are unable or unwilling to perform. This is of course unpleasant for many people, but because it is a lifetime contract, be sure to read the manual without a public version before signing. Therefore, as the two largest shareholders in the family, how to cultivate consensus and efficiently plan each budget and operating costs are definitely helpful for long-term operation.

Set clear goals to avoid losing focus

In the lifelong contract of marriage, with the continuous change of the general environment and the change of the scale of the marriage, many sub-contracts will be developed. Therefore, before each sub-contract is signed, the size of the contract and the budget invested will be determined. The manpower scheduling required can actually be pre-planned in advance. If you focus on the set goals, it will not be easy to create extra costs. Even if there are extra costs, you have to prepare an emergency reserve budget. Just like starting a business and opening a store, you need to prepare an emergency reserve to survive the dark period. Otherwise, the decoration is ready to be sent to the landlord .

Understand cash flow and unify debt

The concept of cash flow has been extended to the extreme by the "Poor Dad Rich Dad" system, but this is a small individual and a large enterprise must understand the concept of "cash flow". Understanding the concept of cash flow helps to learn how to turn debt You can even understand why bank stocks are relatively safe investment targets . The family’s financial information is transparent, which is definitely helpful for long-term operation, because the life of internal and external accounts guarantees that you are worried, unless you have full-time staff to help you manage it, or There are so many that there is really no need for management, and it is not easy to have an instant financial crisis.

The concept of financial management is a compulsory course in life

Some of the content in it is only when you encounter it, you will understand the importance of these concepts. Although money is not everything, but with enough money, basically many things are possible , as long as you are willing to invest time and effort, even in a new field. There is a chance to be handy, but if you don’t have a financial management concept, it is easy to fall into the financial system or the influence of the media, so put your money into things that are not necessarily needed or even meaningless, and encourage each other.