2. The investment fund will invest in 500 yuan every month. This purpose is to invest.

1.2 can be used together. If there is any left, save it for marriage.

It costs a little money to get married, so always leave a good memory for the bride.

If you mainly want to pay back the money, you can read the following article carefully, which I think is great.

Clay tablets from 5000 years ago.

Britain/England/Nottingham/

University of Nottingham-on-Trent Newark/St. Schweitzen College

1935165438+1October 7th

To: British scientific exploration team/Mesopotamia Sheila City Research Center

Professor Franklin Caldwell

Dear Professor:

Your letter and five clay tablets recently excavated from the ruins of Babylon under your guidance have arrived at us with the ship. After some research, I have been fascinated by this thing, so I am willing to spend many days translating and explaining the words carved on the clay tablet. I should have replied to you as soon as possible, but I was delayed by my obsession with interpretation and translation. All translations are attached below.

With your careful care and proper packaging, these clay tablets arrived in our place intact.

After reading the story told by the clay tablet, you will be as surprised as my colleagues in the research room. At first, you expected these clay tablets from the distant past to be romantic stories as legendary as the ancient Arabian Nights. However, once we study it, we find that the words on the clay tablet do tell a story, but they do describe the story of how a man named Dababashir paid off his debts. Through these clay tablets, we also know that the situation in Babylon five thousand years ago was not much different from today.

As my students described, there is a strange phenomenon: these old words "Where are we kidding?" After all, I am a university professor and a theorist with practical knowledge in all aspects. But coming out of the mud slab of Babylon ruins, such a Dabaier taught me a way to pay off debts and get rich that I had never heard of before. He said, we can add Jingling gold to our wallet while paying off our debts.

In my opinion, that’s an excellent idea. It is worth noting that you can prove through experiments whether this method summarized by the ancient Babylonians can be applied to today. My wife and I are planning to implement these methods to solve the financial problems that need to be improved in our own lives.

I hope your important archaeological excavation is progressing smoothly, and I sincerely hope to have the opportunity to help you again.

Sincere greetings from Schuberg.

The first clay tablet

My name is Dababashir. I have just returned to Babylon from Syria and just got rid of slavery. It's a full moon at the moment, and I'm determined to pay off all the debts I owed before and be a rich man respected by all the people in Babylon. Keep a permanent record of my repayment process, let it guide me and always remind me to fulfill my deepest wish.

My good friend, Ma Song, the boss of a bank, is full of wise suggestions, which makes me determined to carry out a careful plan strictly. Ma Song said that this plan will help anyone who knows self-esteem to get rid of debt and move towards prosperity.

This plan contains three goals that I have been longing for and looking forward to.

First, the purpose of this plan is to enrich my future life.

Therefore, I have to save one tenth of my income. Ma Song's words are very reasonable. He said: "If a person keeps his unused gold and silver in his wallet, it will bring benefits to his family, which is actually equivalent to loyalty to his king. People who always have only a few coppers left in their pockets are irresponsible to their families and the king, while those who have no savings at all are cruel to their families and disloyal to the king, and at the same time, their hearts are also very painful. Therefore, a person who wants to achieve something must save some money in his pocket, so that he can love his family from the heart and be completely loyal to the king. "

Secondly, the purpose of this plan is to enable me to ensure that my beloved wife has adequate food and clothing.

My wife took refuge in her family, and now I bring her back to me, and she is still loyal to me. Ma Song also said that proper care for a loyal wife can enhance a man's self-esteem and make him more determined and determined to achieve his life goals.

So, I take out seven tenths of the money I want to earn to support my family. Besides ensuring their food and clothing, I can also spend extra money to reduce the lack of life and increase some fun and enjoyment. Ma Song solemnly told me that in order to achieve my goal in life at an early date, the maximum amount of our expenses can only be seven tenths of my income. So as not to spoil my plan. I must strictly control myself to spend only seven tenths of my income.

The second clay tablet

Third, the purpose of this plan is to allow me to set aside part of my income to pay off my debts.

So every time the moon is full, I will divide my income into two parts strictly and fairly to repay those creditors who trust me so much and are willing to lend me money. If I insist on doing this, I can pay off all my debts.

The following are the names and amounts I owe each creditor:

Textile business law: two silver coins and six copper coins.

Xinjia-Sofabed-1 silver coin.

Amar- my friend -3 silver coins and 1 copper coins.

Jankar- my friend -4 silver coins and 7 copper coins.

Askamir-my friend-1 silver coins and 3 copper coins.

Mount Harlem-jeweler -6 silver coins and 2 copper coins.

Di Abekai-my father's friend-4 silver coins, 1 copper coins.

Akaha-landlord-14 silver coin.

Ma Song, the owner of the bank, is 9 yuan.

Huaruijik-farmer-one silver coin plus seven copper coins.

(From then on, the handwriting on the clay tablet is incomplete and difficult to distinguish. )

The third clay tablet

Altogether, my debts are 190 silver coins and 140 copper coins. This is really a lot of money, because I can't afford it. I once foolishly sent my wife back to my parents' house to take refuge in my father-in-law. I was also forced to leave Babylon and look for opportunities to make money elsewhere. If anyone gets into trouble, I will be sold into slavery.

Now Ma Song has instructed me to set aside a small part of my income to pay off my debts, which is an effective plan. From this, I gradually realized how stupid I was to dare not face the debts I built for myself because of excessive luxury.

I visited each of my creditors again, explained to them one by one and promised that I would make money and pay off my debts by my ability. I have no other choice. In the future, I will set aside two-tenths of my income and return it to my creditors on average. This is my maximum solvency, and I can't do anything more. So all they need is patience. One day, I will pay off my debt.

Amal, I have always regarded him as my best friend, but he cursed me with vicious words, so I had to leave him with shame. Farmer Warren Jike wants me to pay him back first, because he is waiting for the money. The landlord Akaha refused to give in. He asked me to pay him back all the money I could at once, otherwise, he would beat me up. Other creditors were very reasonable and accepted my repayment plan. In this way, my confidence in fulfilling my promise is more firm. After observation, I came to a conclusion: it is easy to pay off debts, but difficult to hide them. Only a few creditors have put forward conditions and requirements that are difficult to meet, and most of them have reached an agreement with me.

The fourth clay tablet

I work hard with a relaxed mood. My good wife also supports my debt repayment plan, and our determination is the same. A month later, I bought some camels with strong legs and legs for Nabatu, the owner of the camel dealer, so on the day of another full moon, I received the salary of 19 yuan.

According to the plan, I divide my income into three parts. One tenth of them are saved, seven tenths are given to his wife's family, and the remaining two tenths are divided into several coppers and returned to some creditors.

I didn't see Amar, so I returned the money to his wife. When Huaruijike took the money from me, he was so happy that he wanted to hold my hand and kiss it. Only old Aka wouldn't remind me to pay back the money quickly. I told him that if I could stay hungry and not worry about my life, I could pay back the money faster. Other creditors thanked me and praised me for my hard work.

In this way, after the first month, the debt I owed was reduced by nearly 4 yuan, and I didn't find a creditor for 2 yuan, so I can save it. For a long time, my depressed mood was finally resolved and relaxed a lot.

At the second full moon, although I worked hard, I didn't perform well. I didn't find a camel worth buying, so I only got 1 1 money. My husband and wife gave up the plan to buy new clothes, lived only on bread and water, and still insisted on implementing our debt repayment plan.

I arranged my income as I did last month. This time, Amar praised my repayment behavior, and I was very surprised. Huaruijike praised me, too. Akaha flew into a rage this time, but I ignored his unreasonable behavior. If he doesn't want it, I'll take it back, and he has to compromise. The rest of the creditors are as satisfied with my repayment as last month.

The third full moon made me very excited, because I met many tall and strong camels this month, so I bought some of the best ones, so I earned 42 yuan this month. My wife and I bought some sandals and clothes that we should have bought a long time ago, and we also ate mutton and poultry.

We paid our creditors more than 8 yuan. This time, even Akaha was not angry.

This plan is really good, and it will definitely let us gradually pay off our debts and start to have savings.

After three full moons, I have accumulated 2 1 piece of silver in my purse. This is enough to make me look down among my friends.

My wife keeps the house in good order. We can put on decent clothes and meet people. We are all happy to live together again.

The fifth clay tablet

The moon is full again. I remember it's been 12 full moon night since I carved this clay tablet. But today I have to write down what happened. Today, I finally paid off my last debt! My wife and I were very excited. We ate a lot of delicious food to celebrate that we achieved our goal with strong determination and paid off our debts.

The last time I went to the creditor to pay back the money, many things happened that I will never forget. Amal demanded to take back what he foolishly scolded me and said that I was still his best friend. Old Akaha didn't treat me badly. He said: "You used to be like a soft mud, squeezed and trampled. Now you know that you have become a copper block that can resist the sword. If you need money, you can come to me again. " I am also proud of the respectful attitude of many other creditors, but only the way my good wife looks at me gives me real confidence.

I really want to recommend this plan to all those who are eager to make a difference. We might as well think about it, since this plan has made a former slave pay off all his debts and saved a lot of gold, can't it help those who are not troubled by debt find their own way to get rich? Up to now, I haven't fully realized this plan myself. I believe I will become a rich man one day.

To: British scientific exploration team/Mesopotamia Sheila City Research Center

Dear Professor:

If you meet the soul of Dabaier, a camel dealer living in Babylon, in the process of further excavating the ruins of Babylon, please tell him that he carved the story that happened to him on those clay tablets and won the lifelong gratitude of many university lecturers in contemporary England.

You may remember that in my letter to you a year ago, I mentioned that my wife and I were going to carry out Dabaier's plan: to pay off the debt and save some money at the same time. Although we have been hiding from our friends how embarrassed my husband and wife are, I believe you may have guessed.

Over the years, we have been tortured and humiliated by the debts we owe. I have been worried that some retailers will spread the news that I have not paid my debts to them, which will turn into a scandal and force me to leave this university. We also tried to pay off our debts. We saved everything we could to pay off our debts, but we never finished. In this way, we have to go to other stores that are willing to give us more credit, even though their goods are more expensive than those in other places.

Day after day, a vicious circle is formed. We struggled and felt that life was getting more and more hopeless. Because I owe the landlord a lot of rent, I can't move to a cheap house for the time being. In any case, we can't seem to improve this terrible situation.

At this time, a friend, Babylonian camel merchant Dabair, appeared. Seeing his plan, I was enlightened. Isn't that what I want to achieve? He inspired us and we are willing to carry out his plan.

We make a list of all debts, and then show the list to all creditors. I explained to them that we couldn't pay off all our debts at this rate. They also learned about my reality through this list. I also explained to them that the only way for me to pay off my debt completely is to take out 20% of my salary every time, divide it equally and spread it back to each creditor. At the same time, you can gradually buy something with cash, so that the owner can get immediate benefits.

These creditors are very reasonable. One of them is very clever. He proposed a more thoughtful way to pay off debts. He said, "From now on, if you pay for your shopping in cash and repay part of the credit, it will be better than your previous credit holders. For three years, you haven't paid off a penny of your credit debt. "

Finally, I signed an agreement with each creditor, and I paid back 20% of my salary to each of them on time, so that they wouldn't bother us.

Making such a change is tantamount to exploring. After really implementing this plan, we can live a good daily life with 70% salary, and we feel extremely happy. We gave up several good teas and many other things we always liked to drink. Soon, we unexpectedly found that we can often buy good goods with good quality and low price.

I can't describe the whole long process from all aspects. Facts have proved that it is not difficult to carry out this plan. We are seriously implementing the financial plan on the clay tablet, and we are excited about the achievements we have made step by step. It is also a pleasure to think that you can solve your debt problem in this way and not be dragged down by it!

I also want to mention my 10% salary. Sometimes we always have a little money left in our wallets. Don't laugh! This is an exciting place. It's fun to save money that you don't have to spend. Saving money is more exciting than spending money

After our savings reached a satisfactory level, we found a more profitable way to make money. Every month, we will set aside 10% of our salary to invest in an enterprise. In hindsight, this investment has become the most talked about thing in the process of starting a business again. When I get paid every month, I will use my first expense for this investment.

With a stable return on investment, we have an unprecedented sense of security. By the end of the semester, the profit from this investment was enough for us to live a comfortable life at that time.

Looking back on the days when I lived on a meager salary, my life is really different now! This may be unbelievable, but I can assure you that this decision is true. We have basically paid off our debts, and the income from our investment is increasing. Besides, we have more financial management skills than before. Who would believe that following the financial plan would make such a big difference?

By the end of next year, we will be able to pay off all our debts. At that time, we will have more money left to invest. Besides, the money we have saved can satisfy our long-term travel desire. We will further strictly remind ourselves that we will never let our expenses exceed 70% of our salary again.

Speaking of which, you should understand why you want to extend the most special thanks to Babylonian elder Dabaier, right? It was his financial theory that saved us from the "hell on earth"!

Dabaier knows everything here. Because he comes from that painful environment. He hopes that people who have had similar experiences with him can learn from his painful experience. Otherwise, he wouldn't have spent so much time and painstakingly carved his story on the clay tablet.

He left some very real information for those of us who suffered the same. This information is very important. Even in the modern society with a capital of 5,000 years, after they were excavated from the ruins of Babylon, their authenticity, correctness and importance were as indelible as at that time.