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Jingdong book

有钱没钱看习惯

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2013年韩国教保文库 “经济经营/理财”类第1

韩国财女主播

中学时代零钱攒到3.7万

自费留学又挣回4万

29岁买了53万元的房子

2年还完28年的房贷

挣得少也能活得好的女性理财书

从被忽略的生活细节中赚钱

30年后,你拿什么养活自己》系列作者高得诚推荐作序

随手记1.8亿用户的选择

豆瓣红人、理财专栏作家三公子力荐


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Content Description

《有钱没钱看习惯》是一本从生活习惯入手的通俗理财书,由作者的真实生活总结而来。作者郑恩吉只是一个收入一般的普通女性,她认为实现经济自由才能够拥有幸福的生活,凭借这个想法,作者打工10个月攒出4万元,自费去澳洲进修,回来时又带回4万元。凭借自己在生活理财方面的技巧,29岁为自己的房子攒出首付,结果2年时间就还完了28年的房贷。作者的理财技巧都是从生活习惯上入手,十分切合当代收入低并想拥有梦想生活的年轻人。

《有钱没钱看习惯》理财不依靠专业知识和技巧,没有繁琐深奥的计算公式,更不需要长时间的准备。只是从对钱的态度、生活的方方面面入手,小钱积少成多。


Author Description

[]郑恩吉

基金投资咨询师。现为韩国TBS交通电视台女主播,负责主持六七个电台节目。作者坚信经济独立才是真正的成人,于是从中学时代开始就凭借良好的理财技巧和生活习惯攒钱。她经济独立的同时实现了澳洲留学,买房买车,提高个人能力等生活目标。


Comments

理财并非都与基金、股票相关,生活中的“开源节流”更重要。

——理财达人、作家 豆瓣三公子


读了这本书,就会想起20年前在父辈的那个时代挂在嘴边的“积少成多”这个词。因为现在已经不是一夜暴富的年代。

——渣打银行财富管理师 畅销书作家 高得诚


Catalogue

序言 积蓄源于生活习惯

推荐序一 理财,并非都与股票和基金相关

推荐序二 积少成多的秘诀

PART 1 我就是这样成功买了房子还了贷款

1 积少成多 ,将小钱变成大钱

梦想始于百万元的购房计划

10多岁,开始知道钱味儿 用账号领取零花钱的魔法,成功存款3.7万

20多岁,凭借明确的规划守住钱包 明确想做的和想要的

开始很渺小,结束很强大 第一次领到6413元工资,购房计划开始·

去能赚钱的海外语言培训 拿着分文不少的3.7万元回国

委屈的是,还未赚钱就得花钱 精益求精的就业之道

具有拜托陌生人的勇气 抵挡住在服装上哗哗流走的工资

有能赚钱的兴趣爱好 为节约服装费,挑战制衣

坚持真时尚,拒绝假时尚 逃离时尚的诱惑

减肥,让餐饮费也减减肥 适当的饮食也属于生活理财

别忘记中期报告 存折余额来带的心跳

提高身价 让自己成长的理财,跳槽和自我提升

29岁,终于购置了自己的家!存折上打印出的9位数

2 一同憧憬一同储蓄

仅2年的共同生活理财,积攒53万元

与爱的人一起储蓄 真实的恋爱,从“约会存折”中开始

不要为一个小时不到的仪式豁出性命 “最低消费”结婚计划

果断省略不感兴趣的项目 减少婚纱照(摄影、礼服、化妆)的费用

让旧东西重生 用不到16800元置办居家用品

出现在我人生中的不速之客,债务 新婚之家欠下近53万元的债务

制定共同的目标 开始“两年内还清53万元”计划

举行“存折婚礼”,完成结婚 每月往共同的存折里存入1.6万元

基本工资以外的收入,作为备用金储存 用备用金来应对始料未及的情况

分类记录家庭账簿 家庭中的年终结算

用便签纸来阻止食材费 三张纸实现的食材费节约奇迹

只认可有缘由的外出就餐 制定外出就餐规则,降低恩格尔系数

婚后提防时尚的诱惑 用节省下的穿着打扮费积攒了2.6万元

兴趣爱好共享 一同外出摄影,节省文化生活费

孝道,别打算只用钱解决 亲自为婆家进行室内装潢

做与自身情况相符合的养老 分开购买养老金

还清住房贷款的那天双倍的幸福感

为迎接人生的转折点而积攒的37万元 为忍耐和等待已久的我们而准备的礼物——环球旅行

PART 2 与生活理财之敌斗争到底

3 毫不留情地击退诱惑吧

与妨碍生活理财之敌的战争

别对他人的私事好奇 只看自己要走的路

不为钱而伤义 不为自尊心与朋友相聚

与易冲动消费的购物天堂隔绝 远离冲动消费

左右为难时,选择那条更费劲更难走的路 从菜园里获得丰收的喜悦

拒绝买买买 弄清自己的想法,看清自己的内心

为他人花钱 吝啬和节俭之间的拔河比赛

与可以“谈钱”的男性恋爱 断绝恋爱和金钱间的尴尬关系

小心!那是打着提升自我幌子的陷阱 检查归类于自我提升中的项目经费

舍弃购买汽车的欲望 便利却会吃钱的汽车

节约和储蓄是基本,股票是选择 在自己有把握的时候投资

第四章 从生活态度开始检讨

比金钱更应该拥有的东西 爱惜金钱,疼爱自己,有明确的梦想和目标,有雄厚的实力

遵守生活理财的6大原则 制定明确的目标,把握先后顺序,节约资金,爱惜他人钱财,用钱有道,坚持管理

后记 即使跨越了53万元的高山,我们也必须再次怀抱梦想


Book Abstract

积蓄源于生活习惯

就是这听起来老掉牙的节约和储蓄,让我在29 岁未婚时便有了自己的房子,结婚后仅两年六个月就将28 年的住房贷款全部还清。这就是我把他人嗤之以鼻的节约和储蓄转化为生活理财,并每天付诸行动的结果。

我每次都会收获奇迹般的果实。

无论是韩国还是其他任何一个国家,人人都高喊着“理财”的口号。提到理财,你想到什么?一位西装革履的专业人士利落地似弹钢琴般敲打着计算器,还是繁琐的数字及公式?

但我就是一个平凡的女性,对数学和经济有着抵触的文科生。我没办法满怀激情地阅读理财书,更做不到津津有味地研究各类数字、图表和计算公式。

可即使如此,我们仍然不能不进行理财。因为我们要还信用卡、缴各种费用、准备结婚资金、买房、买车、赡养老人、生养孩子……

生活的大车轮碾压着我们,根本停不下来,而我们又想拥有自由自在的幸福生活。应该如何来驾驭理财这个讨厌的家伙呢?学数学?看专业理财书?还是研究投资市场?

不是,绝对都不是。我认为做好理财并不需要特别的知识。如果有一点是必须的,那便是用与众不同的视角去看待和进行理财。我也是一名只要一出现数字和公式便会头晕目眩的典型文科女生。因此,我并没有困扰在专家提出的高难度理财中,而是奉行我自己独有的生活类理财,积攒了1 亿韩元(约53 万人民币。以后书中金钱均换算为等额人民币),实现了我的购房愿望。

我们首先要区别看待理财。第一,我们必须从这个从未走入心扉的词语——理财的字典定义中脱离出来。理财是谁都在做,并且应该做的、生活中的一部分。它是一件如同吃饭、睡觉、呼吸一样自然且当然的事情。因此,理财不是将我们的头脑变得更单的、快乐的生活习惯”。请大家不要再把“理财、金钱、经济”视为必须得悬梁刺股般学习,且只有具有专业知识和技术的人才能做好的领域。

虽然大家都在说理财理财,但是环顾四周却发现述说贫穷、生活困难的人远远多于生活富裕的人。如果理财时通晓数学、精通金融知识更佳,可这样的人少之又少。与其因为理财而揪头发,不如装扮一个爽朗的发型,一点点儿储蓄,积少成多,这样的生活是否更胜一筹呢?

我通过储蓄的发现,理财不是知识而是实践。理财不是攒钱的技术,而是生活的本身。即使不擅长数学,即使没有别人收入丰厚,甚至没有钱,理财也毫无问题。

对于像我这样的普通的平凡女性而言,需要的是坚信自己也能够攒钱的自信心,以及立即付诸行动的执行力。

大家攒钱之后有什么想要实现的愿望呢?是否想从被金钱束缚的生活中摆脱出来呢?是否想感受一次完全依靠自己的力量而积攒出巨款之后的欣喜若狂呢?

请将视线转移到生活理财中来吧。我没有选择利用股票或基金,而是选择了依靠一些很小的习惯和行动来储蓄,并将这称为“生活理财”。收入普通却可以活出精彩的核心,用一句话可以概括为“节约和储蓄”。你满怀期望,期待着有一个特别的秘诀,却发现居然只是一句对储蓄的讴歌!

听起来老掉牙的节约和储蓄,对我来说却是最简单和快乐的理财。它不仅完全不需要数学知识,且更不需要研究金融产品。我只是在自己的能力范围内快乐地、竭尽全力地去理财。

于是,我在29 岁未婚时便拥有了自己的房子,结婚后仅两年六个月就将28 年的住房贷款全部还清。这是我把他人嗤之以鼻的节约和储蓄转化为生活理财且每天付诸行动的结果。我每次都会收获到奇迹般的成果。

只是,我们并不仅仅只积攒了金钱,同时还积累了兴奋感、满足感和自信心。这些都是我们爱自己、相信自己、满怀激情创造出的最强有力的武器和最宝贵的财产。

节约和储蓄,才是一听到经济便产生反感情绪的你,一看到数字便头疼的你应该做的生活理财,事实上也是谁都应该和能够做到的生活理财。大家想知道令人吃惊、让人感慨,却又能简单、快乐地操作的生活理财秘诀吗?

从现在开始,我来告诉你吧。


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Jingdong book