Hold on, how hard is it?

After four or five years of graduate work, I still haven't saved a penny. The salary rises year in year, when take 1500 yuan each month salary, also still survived, now the salary has turned over four or five, the month month also can spend the naked. With the popularity of the word "Moonlight clan" on the Internet, I believe there are many people who have the same situation as me. In fact, many people for their own "Moonlight Clan" and there is no bad feeling, and even some pride. But if you play the cash-flow game of a poor Dad rich Dad, you don't think that. First, natural disasters are not controllable. One day another thing similar to SARS, if you accidentally infected, the doctor is to spend money. Moreover, which day with the company, or the company closed down, layoffs, looking for work is also to eat. In the game, if you can not pay the monthly fixed expenses for two consecutive months, you will be bankrupt, you game over. Perhaps in reality there is no such a serious problem, you will say, I have friends and parents. OK, let's see the last one, the poor Dad Rich Dad's all central idea is a word, you want to be not worried about food and clothing, do not worry about the work of the rich? Quite simply, just let your paycheck exceed your monthly fixed expenditure. There are many sources of income outside the wage, the company that buys a friend, buy the stock of fund, buy a house to rent a low down payment, the shop that is transferred is rented, etc. These are basically not need too high amount of money (small to thousands of, big to tens of thousands of), but can bring you a monthly income of thousands of dollars, even if you are unemployed, there is no problem. At this time, you have entered the ranks of the rich, because you have the ability to venture to invest in large projects, not afraid to lose the meal of the capital. In fact, the problem of lack of money is not how much to spend, but to see where the flowers go. For food, clothing and housing, the money is necessary and unavoidable. But theoretically, the money is about half the salary per month, so where is the other half? No one can say clearly. Want to say clearly there is a way, because the reason is not clear that is forgotten, if the money can be written down, the final nature of the evidence. But in fact, it's hard to do. The ancients said, nothing, is afraid of conscientious. Only "intentional" These two words, say easy, realize but goodbye. There are tens of millions of bloggers in China who can guarantee a few articles a day? It is estimated that you can count it with your finger head. How many of them can be guaranteed to keep writing for three years a day? I haven't found a second one except Wang's "no association". Money is spent every day, but the account can not remember every day, this problem does not solve, you will never grasp their own spending habits, you will never save money. As a child, the teacher always forced us to write a diary, the habit of writing something every day, then the general practice is what to eat this morning, what to eat at noon, what to eat at night. Or is today who told me what what, good play and so on. But even then, there are still times when they can't hold on. When the teacher checks, ifFound yesterday did not write, will say to me, "Never mind, now make up," so hurry up to fill yesterday's diary, two or three minutes to finish. Reading three years, incredibly also accumulated a thick three big diary, occasionally open to see, incredibly also can recall 15 years ago bit by bit. Today, the company asked everyone to write a daily diary, one day do not write a penalty of 100, it seems back to the year was forced to write diaries. Serious is not serious is another thing, but you can see how many days you come to work in the company, the day is not bad. In fact, this thing I can not insist on writing every day, so often a few days to merge into a day to write, the details are not clear to write about. In fact, so much, but to say that the daily bookkeeping is not as difficult as imagined. For office workers, what is the first thing to go to work every day? Process mail? Make a detailed work plan for the day? I think it's not a big problem to take out 2 minutes to remember the amount of money I spent yesterday. Or 30 minutes before work every afternoon, are you still working at ease? Do you take more than 10 minutes to see the news on the Internet before you go to bed every night? These days, it should be easy to take 2 minutes to remember the day's accounts. Time is even less problematic for the student family or the housewife who is in charge of the family. Of course, it takes a good tool to remember a good account, are you going to buy a notebook to remember? Or to download a financial software to use? Or do you use online billing sites? The pros and cons of the three are self-evident. At first I decided to make one of these bookkeeping sites to meet my needs. (Just for bookkeeping, at the same time need to maintain the balance of all my accounts is correct, because the hands of the bank card too much, money may be from which card to take money, time a long certainly not remember, now across the line query are charged.) Previously used software and Web sites are not good) financial easy (http://www.licaie.com) after the launch has been a lot of friends of concern and encouragement, see that everyone in this demand is still quite large. After doing some small-scale promotion, the website function also according to the user's opinion has carried on many adjustments, including has abandoned own original setting structure, has changed into the single user many books, the single ledger multiple user's bookkeeping mode, also receives the Netizen's welcome and the praise. (here also summed up a site in the maintenance of user relations, a very important point: rapid response, timely feedback, so that users feel that they are valued. Almost in the financial Easy (http://www.licaie.com) launched overnight, the internet out of more than 10 accounting sites, but each has its own focus, it seems that heroes see Datong ah. I believe that users will naturally choose the most suitable for their use, do not need us to say, our task is to let users know that there is this site, one more choice. In fact, according to my observation, many people do not want to journal, not because there is no time, but because of fear of facing their own accounts. The word "self-discipline" is much more difficult to achieve. NoAccount of the case, want to buy what to buy, want to spend money, but once the accounts, the mind will be more worry, more than a layer of shadow. It's hard not to spend money, it's harder to spend it on bookkeeping. It is this psychological resistance to their own control, which really hinders the people do not go to account. To solve this problem, to tell the truth I do not have the means, I can only suggest that you imagine a better future, that is, you enter the rich area after the way of life, then is really want to spend money on the job, do not resign, every quarter take out a week to find a place to travel, You can concentrate on your interests rather than on the need to live to work. In the face of such a beautiful future, now can you work yourself, temporarily suppress the desire to spend money? How long does it take to achieve such a good life? It's not as long as you think. If you can save half of your salary every month, you can calculate how long you can achieve this by counting the 10% return on investment. If you don't save, spend every month, how long will it take? With the language of easy to manage: Do you find money spent at the end of the month, but do not know where to go? Do you always want to save money and travel and find that you can't keep it? Do you always want to control your consumption and feel that there is no place to save? Do you often forget to pay credit cards and deduct credit? Finally, do you think it is a difficult and painful thing to do bookkeeping every day? Finance easy to help you solve all this, easy to manage, simple and fluent online bookkeeping tools, so that bookkeeping becomes a fun!