Is the phrase what you save is earned reliable?

From a cost point of view, the money saved is earned after removing all the costs. Therefore, the sentence "what is saved is earned" is reliable.

The sentence of saving is earning has a certain one-sidedness, which involves the trade-off between investment and getting. For example, children's education can not be saved, and proper investment in education is definitely more rewarding than paying, but the benefits cannot be seen in the short term, and it takes a long time to see the results. From this point of view, what is saved is not earned.

I think the person who said this sentence must not be rich, for ordinary people, a salary of 7-8k yuan per month, even if they don't spend every month, can they have a deposit of 100,000 yuan after 5 years? Definitely not!

So what should we do? Learning financial management is a good way, how to spend each month's salary has its own plan, strictly in accordance with the plan, part of the money is used for food, clothing, housing and transportation, and that part of the money comes out to improve themselves and learn the knowledge they are interested in. There is also a part of the money saved, saved to a certain amount, and used to invest, so that you not only have your own salary every month, but also have additional income.

The Logic of the Rich by Rainer Zittleman

There is a lot of knowledge about wealth that we can learn about it, so you can read it when you have time.

It's easier to cut back on expenses than to increase revenue.

In the process of operation, enterprises will continue to generate various expenses, which are the costs of enterprise operation and the black hole that eats up profits.

Cut back as much as you can, what you save is what you earn, and every penny you save is a profit.

If your company uses an additional employee, his annual salary and benefits are about 100,000 yuan; And you want to earn an extra 100,000 yuan, probably.

Need to sell a product of $1 million. That is, you just cut it.

This redundant employee is equivalent to an additional 1 million yuan in sales. It's clear that it's easier to lay off employees than to boost sales.

Let's say you rent a 100 square meter office in the city center, annual rent.

Gold is $400,000; But if you rent an office of the same size in a slightly remote area, the annual rent is only 150,000 yuan, so you save the 250,000 yuan.

Yuan rent, which is equivalent to an additional 2.5 million yuan in sales per year.

Obviously, it's easier to move to a cheaper office than to boost sales.

That is, it is easier to cut back on expenses than to increase revenue.

But when we cut back on spending, we must understand what constitutes spending, what spending, and what spending must be guaranteed.

Generally speaking, expenses can be divided into strategic and non-strategic expenditures, which are expressed by the formula:

Strategic Expenditure Non-strategic Expenditure = Expenditure.

For strategic expenditures, it is necessary to ensure and increase investment as much as possible; For non-strategic spending, it is necessary to reduce it without mercy and on an ongoing basis.

Because the effect of the implementation of this sentence is indeed obviousFor example, the first person can earn 10,000 yuan a month, and then only save 5,000 yuan, but the other person earns 7,000 yuan a month but can save 4,000 yuan, in general, the first person wants to save more money than the second person, so this is the result of earning more, not saving more. Therefore, in this statement, money is earned, not saved, but there are also people who believe that money is earned, not saved. But why do so many people believe that money is not earned but saved, because we don't have a way to make so much money, so the best way for us is to save money, the effect of this way is the most obvious, so it will make more people believe that we want to earn more, and then save more, but in fact we don't have the ability to match it, so all we can do is to continue to save money. For us, this is the most efficient and effective way.

What we need to know is the truth, which is often in the hands of a small number of people, and this sentence itself is not wrong, whether it is to earn more and save more or earn less to save less, in essence, it is just to save money and save money according to the different circumstances of each person, I think the most important thing is the percentage, that is to say, according to the amount of salary to plan how much money to save, not everyone's income is so high. <>

Many times our income can not be steadily improved, and even maintained at a level for many years, so at this time, this sentence is of greater significance to us, rather than the so-called statement that money is earned rather than saved, because this statement does not have any benefit to us, so we will believe this statement, which is essentially correct, but it is different from the formal point of view. <>

Because, most of the people are making money, do not have a great business acumen, in the daily fixed salary, only save a little money, will make their money more and more, instead of making money. The effect of the implementation of this sentence is indeed obvious, and it is the most efficient and effective way for ordinary people.

Because most people don't have a lot of business acumen, in the fixed salary every day, only by saving a little money will they make their money more and more, so they firmly believe in this statement.

Because most people have no way to make money, only conscientious work can make ends meet, a little salary a month, no extra income, only saving can save money.

Because there are too many unnecessary expenses, and in the current situation of rapid prices, you can only save more money, and your wages will not rise.