[分享](理财系列之一)生活中的十大理财理念
<p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 28pt; TEXT-ALIGN: left; mso-char-indent-count: 2.0; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><strong><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">编者按：家园新改版后增加了“家园群组”栏目，这就更加方便家人就某些细致的领域及共同的爱好一起交流观点和看法。而我一直关注创业和理财，于是便有了这个栏目的诞生。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></strong></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 28pt; TEXT-ALIGN: left; mso-char-indent-count: 2.0; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><strong><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">我将在本群里就创业与理财方面内容与大家分享自己曾经的学习所得以及在网上收搜的珍藏，本篇正是我的珍藏之一。理好财，先从身边小事做起，具备财务的一些基本理念及把握理财的一些原则性东西时候才可进一步地谈投资如证券、期货，否则财越理越乱。后文还有我对理财的一些基本观点的分享。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></strong></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 28pt; TEXT-ALIGN: left; mso-char-indent-count: 2.0; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">美国《商业周刊》曾经总结了人们在不知不觉中花钱的10种情况，来告诫人们花钱一定要注意。</span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">1</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、生活必需品</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：省钱的办法就是明白到底什么是生活必需品。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">2</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、悄然上升的价格</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：现在有很多广告，表面上是一个便宜的价格，可是当你真心想去消费的时候，你会发现价格会高出一点。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">3</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、从不用的会员资格</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：哈佛大学最近的一项调查表明，报名参加健身中心可以成为健身者不锻炼的最佳理由。健身者不但不会在跑步机上跑步，每月还得多交</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">29</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">美元。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">4</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、订阅</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：如果你要订阅一些网络杂志，在订阅后网站都会让你更新。有时候你会因为是网络的原因而重新订阅一遍，这又是一笔开销。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">5</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、</span></b><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">“</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">包月</span></b><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">”</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">陷阱</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：有时候一些包月的收费项目并不像我们想象的那么完美。所以在放心大胆的消费之前，首先一定要了解好这个包月项目所涵盖的内容，不然拿到账单定会痛心疾首。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">6</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、购物错觉</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：有时候你会很高兴以</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">7.5</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">折买一件高档的晚礼服，穿上了它的你就像电影明星，但是在买之前你也要考虑好：会不会有机会穿上它。</span></p> <p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">7</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、</span></b><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">“</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">物超所值</span></b><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">”</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：有时你可能会被物超所值这样的广告语心动，但结果这物你可能根本不用。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">8</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、不收闲钱</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：只要是老板给的</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">——</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">不管是退休基金还是医疗补贴，也不管是老板分红还是老板高兴</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">——</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">一定要拿，不然你又损失了一笔钱。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"> </span><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">9</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、大量采购的后果</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：去超市大笔采购商品是无可厚非的，但是别因为便宜这点钱而故意去采购，要考虑好自己实际的需要，食品可是有保质期的。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><b><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">10</span></b><b><span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、网上购物</span></b><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">：如果是从网上购买商品的话一定要注意。因为如果不合适的话，你还要开车把这个商品送到邮局去退货，这也是一笔花费。</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 27.75pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">生活中的理财一定要注意这十种消费陷阱，要明白天下是不会有免费的午餐的，同时更要清楚了解以下几点理财原则：</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">1</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、是确认资产与负债的观点。我基本上同意《富爸爸，穷爸爸》所提出的理财概念。资产便是你的收入，能产生钱生钱的东西，能往你腰包里放入更多的钱的东西都是资产。负债则是把你的钱从你的口袋里取走而不能为你生钱的东西。比如买一套房子，转手出去后能赚一点那便是资产，用于个人住居那便是负债。（当然并不是主张你不买房，这点要认识清楚。）日常生活中正是要分清这两点，认识到哪些是必需生活品，是必需给你带来消费的东西，而哪些是可花可不花，能省就省的东西，那样形成一个理智性消费，有助于理财的成功。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">2</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、做好财务消费记录。要有一个自己的财务本，这样有利于自己分析自己哪些钱能花，哪些钱不必要花，还可以帮助你做财务投资分析，好处很多。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">3</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、确定合理的财务预算。这个预算不见的要把你的钱管死，较好的做法是在你的收入中拿出一部分做为投资而存在。我发现有不少人有个奇怪的情况，明明他的工资涨了，可资产还是涨不起来，还是穷，什么原因？因为他的消费习惯左右着消费形为，哪怕他中了五百万大奖，要没有一个合理的理财习惯迟早也要玩光。所以建议大家依据自己的收入状况做个简单的预算，比如说每月抽出</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">500</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">元做个月供式基金的投入，三五年后他能赚多少？起码坚持下去资产一定是涨上来了。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p><p class="MsoNormal" align="left" style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-line-height-alt: 0pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;">4</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: Georgia; mso-hansi-font-family: Georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、立即开始行动，理财不是一次性行为，需要长期自觉地养成习惯而又贵在坚持。</span><span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: "Georgia","serif"; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt; mso-fareast-font-family: 宋体;"><p></p></span></p> <span lang="EN-US" style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 'mso-bidi-font-family:宋体;mso-font-kerning:0pt;mso-fareast-font-family:宋体;;">2</span><span style="FONT-SIZE: 14pt; COLOR: #666666; FONT-FAMILY: 宋体; mso-ascii-font-family: georgia; mso-hansi-font-family: georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;">、做好财务消费记录。要有一个自己的财务本，这样有利于自己分析自己哪些钱能花，哪些钱不必要花，还可以帮助你做财务投资分析，好处很多。===老是做着做着就忘记记到哪里了.....55555</span> <p>花30元办一张乘车公交卡</p><p>每次乘公交车省0.05元</p><p>一周出门5次 省0.05x5x2=0.5元</p><p>30 / 0.5 = 60周 ，需要60周的时间才能 收回30元的卡钱......</p><p> 办乘车公交卡算不算一种<span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: georgia; mso-hansi-font-family: georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"><strong>陷阱</strong></span>呢？</p> <p>如果有张乘车公交卡。每次乘公交车就不需要为破零钱去买一些不必需的东西。</p><p>化零为整......每破一次钱要多花至少1.00元，一周出门5次，每十次会遇到一次这样的情况。</p><p>每两周就要花去多余的1.00元</p><p>60周后 ，就会多花掉30元的钱......</p><p><strong><font color="#ee0030" style="BACKGROUND-COLOR: #ffffff;"> 不</font></strong>办乘车公交卡会不会造成另一种<span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: georgia; mso-hansi-font-family: georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"><strong>浪费</strong></span>呢？</p><p> </p>万一手里的零钱多了，随便丢了哪张也未可知啊 <div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>Sunmily.</i>在2007-9-22 12:40:34的发言：</b><p> 办乘车公交卡算不算一种<span style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: 宋体; mso-ascii-font-family: georgia; mso-hansi-font-family: georgia; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt;"><strong>陷阱</strong></span>呢？</p></div><p>这是一个很不错的问题,sunmily也很仔细地计算了二者之间的利益得失,其实你的答案不是已经出来了吗?</p><p>我们说要分清生活必需品和额外支出的区别,依你的消费习惯来看,办一张公交卡是划算的啊.办公交卡成本回收期虽慢,但是减少了你其它潜在风险,总的来说是值得的.</p> <p> 我是月票，50元随便坐。卡费押金30元。</p><p> 如果我不办理月票，我得每天4元钱，然后30*4=120,而月票每月只需50元，每月省70元，押金可退。</p>
[此贴子已经被作者于2007-9-28 16:33:05编辑过] 这个例子很有意思 以前粗枝大叶。以后也得算算了。 <p></p><p>理财不仅要考虑成本，规避资金风险也是重要的考量点哦。</p><p>谢谢皮皮大哥</p>