Or open a monthly deposit in installments.
Because it doesn't matter if you spend more or less,
It's just that all the meetings were spent. If you had saved them first, this would not have happened.
Every dollar you save.
You can't make money serve you, let alone expect more money to be used by you. Isn't that simple?
Once upon a time, there was a Babylonian named Akkad. He was very rich. He is not only famous for his wealth, but also won people's admiration for his likes and dislikes. No matter to himself or his family, he is generous and never stingy with money, but his wealth is still increasing year by year.
When he was a child, his playmates asked him, "Akkad, you have countless money. You are the richest man in Babylon now, but we still have to make a living. " You enjoy all the wonderful life on earth, and all we can do is try our best to feed and warm our families. "
"However, we have received the same education and played the same game at the same starting point. Whether studying or playing games, you are no better than us. For a long time, you were as ordinary as us. "
"In our opinion, you may not work harder than us. But the fickle fate has chosen you to enjoy all the good things in life. Don't we deserve this happiness? "
Akkad put forward his views to them:
Over the years, if the money you transfer is so tight that you can't make ends meet, it means that you haven't learned how to manage money. You should at least master some financial skills.
Fate is changeable. She is an evil goddess. She won't give me forever to anyone. People who get something for nothing will eventually lose what they have. She can make you get wealth and spend it freely, but she can take back everything you have overnight. She can't satisfy your greedy appetite and is tortured by desire. There are others who are also taken care of by her. They are poor misers. They are always afraid to spend all the money they receive, because they are self-aware and their talents are not enough to replace these wealth. In order to avoid being robbed by robbers, they lived an empty and secluded life.
Others have acquired a lot of gold and silver treasures with little effort, and earned more and more money, so they can live a happy and prosperous life again. It's just that such people are rare. I have only heard of such people, but I have never seen them. Try to think about whether those who get rich by inheriting a lot of property are similar to what I said.
Akkad's friends admit that the rich people they know who inherited a large fortune turned out just like Akkad said. Friends began to beg him to talk about how he got rich, so Akkad went on to say:
When I was young, I observed the world and looked for all kinds of things that could bring happiness and satisfaction to my life. I come to the conclusion that wealth gives a person a better chance to enjoy happiness and get satisfaction.
Wealth is synonymous with strength. With money, many things are easy to handle.
You can buy good furniture to decorate your home.
You can travel around the world.
You can enjoy all the delicious food in the world.
You can have gold, silver and jewels carefully made by goldsmiths and jewelers.
You can even build some magnificent scenic spots.
You can also find more things to satisfy your senses and delight your soul.
After thinking about this, I decided to fight for these beautiful things in life. I'm not a visionary. I watched others enjoy it, but I accomplished nothing. I can't stand wearing cheap clothes that look decent. I can't stand being poor all my life. On the contrary, I must make myself the master of this game of life.
As we all know, my father is a small businessman and has many brothers at home, so it is not my turn to inherit property. Besides, as you said, my ability is not outstanding and my qualification is average, so I understand that if I want to achieve my goal, I must spend more time thinking about making money and managing money, and it is also necessary to learn some books.
Time is the same for everyone, but you choose to let it slip away in vain instead of making a fortune with it. Now, although you are proud of your happy family, you have nothing else to show off.
In reading, a philosopher taught us that learning can be divided into two categories: one is knowledge that can be learned, and the other is knowledge that needs constant experience and tempering, from which we can learn how to discover what we don't understand.
So I try my best to explore ways to accumulate wealth. Once I master these tricks, I will go all out to get rich and go forward bravely. When we leave this world and go to the gate of hell, darkness will come. In this case, we should enjoy the bright sunshine. Isn't this a wise move?
I found a job in clay sculpture in the official archives of literature and history. I spend a long time carving clay tablets every day. Time passed like this. I have been working, but my salary is not left. Daily necessities such as eating, dressing and offering sacrifices soon ate up all my income. But my determination was unshakable until one day, Agami, who runs a bank, asked the Governor for a copy of the Ninth Law. Agami told me that this law must be completed in two days. If I can do it, he will pay me two coppers.
So I had to work overtime desperately, but this rule was too long. When Agami came to look for a job, I still didn't finish it. He was furious and said that if I were his slave, he would beat me up. But he knows that the official adults don't allow him to hit people, so I'm not afraid. I also said to him, "Agami, you are really rich. Can you tell me how you got so much money? If you are willing to tell me, I will stay up late to help you carve the clay tablet, and I promise to finish it when the sun rises tomorrow. "
Agami smiled and replied, "You are a diligent servant, but you must finish carving the clay tablet before we can talk about the deal."
So I worked hard all night to carve clay tablets. Although I was so tired that I couldn't keep my back straight, and the smell of the oil lamp gave me a headache and blurred my eyes, I finished it when he came to collect the work at dawn.
I said, "Now you have to keep your promise and tell me your way to get rich."
Agami Bush said, "Young man, you have been with your aunt for some time, and I will tell you what you want to know. I am old, and the wisdom accumulated by well-informed old people. But young people always think that the wisdom of the elderly is outdated and useless. They don't understand that human beings are multiplying from generation to generation, whether it is the sun that shines on ancestors or the sun that will shine on future generations, it is the same sun. The wisdom of young people can only be regarded as a bright meteor, which is fleeting. Only the wisdom of the old man is an immovable star, emitting eternal light and guiding sailors. Remember what I said when I was hungry, otherwise you won't understand what I said in the future, and even think that your hard work last night was a waste of time. "
He began to stare at me with sharp eyes, and his voice became deep and powerful: "From the moment I decided to keep part of all my income for my own use, I found a way to get rich. You might as well do as I say and have a try. "
He kept staring at me, and the look in his eyes made me feel that I was almost seen through by him, but he didn't say a word.
I asked, "Is that all?"
He replied, "These words are enough to harden one's heart."
I asked, "But the money I earned is mine, isn't it?"
He said: "This is not the case at all. Don't you have to pay the tailor and shoemaker? Don't you eat or drink? Living in Babylon needs money everywhere. What's the balance of your salary last month? Is there any surplus from last year's income? Little fool! You have been giving money to others, but you haven't kept it for yourself. Fool, you are fighting for others. Doesn't the owner who provides him with food and clothing work hard? If you accumulate one tenth of your income, how much money will you have in 10 years? "
I am good at calculating numbers. Soon, I replied, "It's about the same as my annual income."
He disagreed: "You are half right. Every gold you save is a slave who can make money for you. The copper coins earned by each piece of gold through circulation are its children, and these copper coins can also earn you some money. If you want to get rich, you must find ways to make the money you have saved profitable, and then earn a little money from the evil benefits of these savings. All these big money and small money will help you get the wealth you desire. "
"Do you think what I said is to lie to you for a hard night? If you are smart enough to understand what I said, then I will definitely report you a thousand times more than your work last night. "
"You can keep a part of your total income. No matter how much money you earn, make sure that every deposit reaches one tenth of your income. You should be able to save more than one-tenth of this money, and keep this money for yourself first. Don't buy shoes and clothes that exceed your spare money. The money you must use is money for buying food, helping the poor and offering sacrifices to the gods. "
"Wealth is like a tree, starting from a small seed and growing up gradually. The first copper coin you save is the seed, which will grow into a tree of wealth in the future. The sooner you sow, the sooner you can see the growth of the cash cow. The more diligent you are in farming and watering with your savings, the sooner you can enjoy the cool in the shade. "
With that, he picked up the clay tablet and left.
I thought about what he said over and over again, and it sounded really reasonable, so I decided to give it a try. Every time I buy something, I take a tenth of it and save it. To my surprise, I want nothing. In fact, my life is not much different if I spend more than one tenth less. But I often have to restrain myself. When my savings are slowly increasing, I must resist the desire to spend part of my savings and the temptation to live in distant or nearby beautiful things. I beat myself again and again.
A whole year later, Agami came to me for the second time and asked me, "Young man, one year has passed, have you kept your tenth income?"
I proudly replied: "Yes, senior. That's what I did. "
He looked at me and said, "Good, so what did you do with the money?"
I said, "I gave it to Azm the bricklayer. He told me that he often traveled far and could reach Tyre (one of the ancient Phoenician slave cities, located in Sur, a port city in southwest Lebanon) in Phoenicia, and he would buy me rare Phoenician treasures. When he comes back, we will sell these jewels at a high price, and we will share the profits equally. "
Agami Bush began to growl: "A fool can't do without suffering. Why do you trust a mason? What does he know about jewelry? Can you ask the baker about the stars? Of course not. If you have a long brain, you know you should ask astronomers such questions. You lost all your savings for a year, young man. You are eager to grow your tree of wealth. We must try again! Next time, if you want to know about jewelry, go to a jeweler. If you want to know something about raising sheep, you should go to a shepherd. This kind of advice about any major will be given to people for free, but it must be remembered that only the parts that are useful to you are absorbed. Looking for someone who has no experience in saving money to ask questions about saving money, you will pay all your savings as a price, which can only prove that those suggestions are wrong. "
Agami said, and still left.
Sure enough, things were as he expected. But I still followed Agami's instruction and saved one tenth of the copper money every month, because at this time I have developed the habit of saving money, which I don't think is difficult.
Another whole year passed, and Agami Xi came to me again: "Another year has passed, how is your progress?"
I replied, "I made unremitting efforts to save money, and then I gave the saved money to Agger, the shield maker, to buy copper talents, and he paid me interest every four months."
Agami Hirsch said, "Well done, so how do you use the interest?"
"I bought honey, wine and cake, and I ate very comfortably. I also bought a red robe. My wish is to buy a donkey to ride one day. "
Agami laughed at me and said, "You ate the money and your grandchildren. If you earn one and spend another, you will never be able to make money serve you, let alone expect more money to be used by you. Isn't that simple? You must learn to own a pile of gold for your own efforts, so that you can enjoy endless happiness without worry forever. " With that, he left in a hurry.
I haven't seen him for two years since then. When he appeared in front of me again, he was already an old man with wrinkles and drooping eyes. He asked me, "Akkad, have you lived the life of your dream rich man?"
I replied, "Not so fast, but I did accumulate some wealth. As you said, I made more money by rolling money. "
He asked, "Do you still often listen to bricklayers' advice?"
I replied, "Only those bricklayers can give me useful advice."
He added: "Akkad, it seems that you have mastered what I taught you. After learning to live within your means, you will learn to seek advice from those who have gained talents through rich experience. Now, you know how to use the gold you earned to serve you. You can save money, learn to save money and use it, and you will certainly be able to shoulder the heavy responsibility. I'm getting older every day. My children only spend money all day and never want to make money. I have a huge industry and I'm afraid I can't keep it. If you are willing to go to Nipp with me and help me take care of my property there, I am willing to be your partner and you can share my property. "
In this way, I went to Nipp to help him manage a large legacy. Because I am ambitious and proficient in the three success rules of financial management, Suyi earned more property for him. I'm getting rich myself. After Agami died, I got a property he gave me through legal procedures.
After Akkad finished his story, one of his friends sighed, "You are so lucky to be the heir of Agamemsi."
Akkad said, "Before I met Agami's money, I was full of desire to become rich. With this wish, luck will come. In the first four years, I insisted on saving one tenth of my income. Doesn't this prove that I have such perseverance? Can you say that a fisherman has studied hard for many years and can catch fish no matter what the wind changes? Is it because of luck? Opportunity is an uncontrollable goddess, and she will not give any chance to anyone who is not prepared. "
"Your perseverance is really amazing. After the first year's savings suffer losses, you can continue to save money. This requires a strong willpower. " Another friend of Akkad went on to say.
Akkad retorted, "What is willpower? Ridiculous. Do you think willpower can give people any strength to lift burdens that even camels can't carry and things that old cows can't pull? Willpower is just the determination of the city to complete the scheduled task. For example, I have set myself a task, even if it is a trivial matter, I will try my best to carry it out. "
"Want to do great things, I also need to have what kind of confidence? If I say to myself, in the next 100 days, I will forget to drop that stone every time I pass the bridge in the city, I won't say to myself,' Let's drop two stones when we pass by tomorrow!' I will only go back and return the stone that day, and I will not say to myself on the twentieth day,' Akkad, forget it. What's the use of returning a stone every day? Why don't you keep it today and leave it alone? "No, I will neither say nor do it."
"Once I set a task for myself, I must finish it. I insist on doing things to the end, and don't pick things that can't be completed and unrealistic, so that I can always be very leisurely. "
Another friend said, "If everything you say is right, you mean to take the first step appropriately and then persevere.". If everyone in the world can do this, I am afraid that the wealth in the world is not enough for everyone? "
Akkad said: "As long as people work hard, wealth will naturally increase. For example, a rich man built a new mansion for himself, and the gold spent on it disappeared? No, bricklayers can be divided into parts, so can construction workers, designers, construction workers and designers. All those who contribute to the building will get a share of gold paid by the rich. When it's finished, isn't this house worth the gold price? Won't the land occupied by this mansion become more valuable because of this mansion? Will the land price around the mansion not rise as a result? The way wealth grows is amazing, and no one can predict its limit. Didn't the Phoenicians use the money earned by their merchant ships from outside to build so many great cities in the desolate coastal areas? "
Another friend asked, "So what's the use of your advice on getting rich?" Time has passed, we are no longer young and have no savings. "
Akkad replied:
I suggest that you should always say to yourself, as Agami Bush said, "I will keep part of all my income for my own use." Whether in the morning or at night, you can constantly remind yourself that this sentence shines like a fire on the horizon until it deeply enters your mind. Then extract the meaning of the words into the most reasonable part, and try to convince yourself to save more than one tenth of your income every day. If possible, try to save one tenth of your money from other expenses. Learning is unparalleled. Make sure to stick to one tenth of what must be done first. You will soon understand how wonderful it is to have a fortune of your own. Watching more and more wealth accumulate, you will be more and more excited. New happiness in life will greatly encourage you. In order to earn more money, you are naturally willing to redouble your efforts. Because the more money you earn, the more money you keep for yourself, right?
Next, learn how to make your wealth make money for you. Turn wealth into your slave, and at the same time let all the money you earn serve you.
Make sure you have no worries in your future life. Look at the old people around you, you know, you will get old one day. Therefore, investment should be extremely cautious to avoid losses. The investment method of usury seems to be very profitable, but it is not true. It is very likely that you have suffered heavy losses unconsciously, and even regret it.
You can't help but think that one day you will be summoned by the gods, so you can't guarantee that your family will be as rich as when you were alive. In order to prevent this from happening, as long as you save some money every once in a while, you can cope. Therefore, any man with foresight should arrange his own affairs and start saving immediately without any delay.
Ask smart people for advice, and ask people who deal with money every day for advice. Let them remind you from time to time, avoid the mistakes you made, and give the money saved by a hard year to Azm, a bricklayer. The security of small return investment is much higher than that of high risk investment.
At this point, you can enjoy your life at leisure. Don't be too thrifty, try to save too much money. If you can easily save one tenth of all your income, you should be satisfied! Or you can live within your means. Don't be so stingy, you can't bear to spend a dime. Life is beautiful, there are many things worth doing and many beautiful things worth enjoying.