开心棋牌

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你的金钱和时间流向哪儿,你的人生就走向哪儿 来源:企业管理杂志

作者:admin 发布日期:2019-11-11 关注次数: 二维码分享

来源:企业管理杂志


LIANGGEYOUZHETONGYANGSHOURUQIEYOUTONGYANGCHUXUJICHUDEREN,ZAIZHIFULEJIBENSHENGHUOFEIHOU,QIZHONGYIRENZONGHUIJIANGQIANHUAZAIGUANGJIEMAIYIFU、MAIDAPAIBAOBAOHEXIEZISHANG;ERLINGYIGEZEZONGSHIJIANGQIANHUAZAIKANGEZHONGZHANLAN、XUEXIXINZHIHEJINENG、YIJISHENDULVXINGSHANG。


YINIANZHIHOU,TAMENERRENDEQUBIEKENENGHAIBUTAIMINGXIAN,DANBUCHUSANNIAN,ERRENZHIJIANJIUHUICHANSHENGTIANRANGZHIBIE。ERWUNIAN、SHINIANZHIHOU,ZHEILIANGRENDERENSHENGGUIJIJIUHUICHUXIANWANQUANBUTONGDEZOUXIANG,GUOZHEWANQUANBUTONGDERENSHENG。 


开心棋牌 WEISHENME? 


道理很简单,就是一句话:你的钱流向哪儿,你的人生就走向哪儿。 


对大多数人而言,购买股票、基金、理财、房产等行为会被视为投资。然而实际上,消费才是最大的投资。


开心棋牌 YINWEINIBAQIANTOUZAINAER,SHOUYIJIUCHANSHENGZAINAER。RUGUONIBAQIANTOUZAICHIHEWANLESHANG,SHOUYIJIUCHANSHENGZAINEIER;RUGUONIBAQIANTOUZAIZIWOCHENGZHANGYUSHENDUTIYANSHANG,SHOUYIYEZHIHUICHANSHENGZAINEIER。ZHEIJIUSHIYITIAOTIELV,CONGGUZHIJIN,YIZHIDOUSHI。 


开心棋牌 NEIMEXIANZAI,NIKEYIKAISHISIKAOYIGEWENTILE:CHULENEIXIEBIXUZHICHUWAI,YEJIUSHINIDEMEIRICANFEI、JIBENFUZHUANGFEI、JIAOTONGFEI、SHOUJIFEI、FANGWUZUJINHUOFANGDAIZHEIXIEFEIYONG,NIDEQIANDOUQULENALI? 


开心棋牌 SHIQUMAILEYIGEDANGXIAZUIHUODEMAOZHUABEI、ZUIXINKUANDECHUIFENGJI、ZUILIUXINGDEBAO,HAISHIBAOMINGLEYIGEKECHENG、YICISHENDUTIYAN、YICILVXING、YICINENGBANGNIJIEJUEXINLIWENTIDEZIXUN、HUOSHINENGBANGNIJIEJUEKUNHUO、JINIDAILAICHENGZHANGDEYIDUIYIJIAOLIANFUDAO? 


同样,你的时间或注意力消费流向哪儿,你的人生也会走向哪儿。 


ZHEIYESHIYITIAOTIELV。 


开心棋牌 YINCIKEYISHUO,GENBENBUYONGSUANMING,ZHIYAONIGAOSUWONIDEQIANHENISHIJIAN(ZHUYILI)DEZOUXIANG,WOJIUKEYIGAOSUNINIWEILAIDEZOUXIANG。


WEILAIYIDIANERDOUBUXUWU,TAFEICHANGZHENQIE,TASHISHIZAIZAIDECUNZAIYU“DIDADIDA”DESHIJIANLI,CUNZAIYUYIZHANGZHANGCHAOPIAODELIUXIANGLI。 


那么,现在就请你来想一想,你究竟想要怎样的人生?你又想将你的未来带往何处?


请建立正确的“心理账户”

 

开心棋牌 SHISHISHANG,YOU“XINLIZHANGHU”DEBUZHISHIJINQIANSHANGDEXIAOFEI,SHIJIANHEZHUYILIDEFENPEIYEYOU“XINLIZHANGHU”。


MEIGERENDESHIJIANDOUSHIYIYANGDE,MEITIANJIU24XIAOSHI。YOURENYIDINGHUIBAQIZHONGYIXIAOSHIFENPEIJIYUEDU,YOURENQUEJUEDEZHEISHIYIZHONGLANGFEI,BURUWANYOUXI。YOURENYIDINGHUIBAQIZHONGYIXIAOSHIFENPEIJIYUNDONG,YOURENQUEJUEDEYUNDONGBURUTANGZHE。ZHEIYESHIDUI“XINLIZHANGHU”DEXUANZEYUFENPEI,YUDUIJINQIANDEXIAOFEIYIYANG,RUGUOXIANGYAOGUOSHANGZIJIXIANGYAODERENSHENG,JIUDEJIANLIZHENGQUEDE“XINLIZHANGHU”,BAOKUOJINQIANDEXINLIZHANGHUHESHIJIANDEXINLIZHANGHU。 


KESHI,ZENYANGDE“XINLIZHANGHU”CAISHIZHENGQUEDENI? 


开心棋牌 SUIRANHUAQIANYUHUASHIJIANDOUSHIFEICHANGZHUGUANDESHI,DANYECUNZAIZHEYIXIENENGGOUBANGDAOWOMENDEZHONGYAOYUANZE。 


开心棋牌 WOSHIYONG“ERWEISIXIANGXIAN”MOXINGLAITUILIZHEIXIEYUANZEBINGJIAYISHIJIANDE,MEIGEXIANGXIANDOUSHIYIGE“XINLIZHANGHU”(RUTU)。



纵轴代表着 “快感值”开心棋牌是说在当下或消费(包括金钱消费和时间消费)后较短时间内给你带来的“快感”,包括身体感受到的快感、精神体会到的“快感”以及物质得到满足后的“快感”。 


横轴代表着“复利收益”:是说能对你的整个人生产生长期正向影响的消费(包括金钱消费与时间消费)。


ZHEIYANG,SUOYOUXIAOFEI(BIXULEIXIAOFEICHUWAI)JIUNENGBEIHUAFENWEISIZHONGLEIXING:GAOKUAIGANZHI、GAOFULISHOUYI;GAOKUAIGANZHI、DIFULISHOUYI;DIKUAIGANZHI、DIFULISHOUYIYIJIDIKUAIGANZHI、GAOFULISHOUYI。


ZHEILISHOUXIANXUYAOSHUOMINGYIDIAN,YIXIANGXIAOFEIDAODISHI“GAOKUAIGANZHI”HAISHI“DIKUAIGANZHI”SHIYINRENERYIDE。DUIYOUDERENERYAN,TINGYINLEHUIJIUSHIGAOKUAIGANZHIDEXIAOFEI,DANDUIYOUDERENERYAN,TINGYINLEHUIQUESHIDIKUAIGANZHI,XUYAORENNAICAINENGWANCHENGDESHIQING。


开心棋牌 ERYIXIANGXIAOFEIJIUJINGSHI“GAOFULISHOUYI”HAISHI“DIFULISHOUYI”ZEYUNIXIANGYAOSHIXIANDERENSHENGYUANJINGYOUHENDAGUANXI,YEYUNIDERENSHENGJIAZHIGUANYOUHENDAGUANLIAN。SUOYI,ZAISIKAOHESHIJIANZIJIXIAOFEIGUANDESHIHOU,YEGAIXIANSIKAOZIJIDERENSHENGYUANJINGYIJIJIAZHIGUAN。


QICI,DANGYIXIANGXIAOFEIDAILAIDEFULISHOUYISHI“GAOFULISHOUYI”SHI,ZHEIXIANGXIAOFEICAINENGBEIDANGZUOTOUZI,BURANTAJIUZHINENGSHIYIZHONGCHUNCUIDEXIAOFEI,YUWEILAIWUGUAN。


因此,我给自己制定的总的消费策略是:扩大和深化“高复利收益”,转化或减少“低复利收益”。



1


 第一象限:

高快感值、高复利收益 


开心棋牌 TINGYICHANGNIXIHUANLEIXINGDEYINLEHUI、YUHAOYOUCHIFANBINGJINXINGSHENDUJIAOLIU,DOUSHIDIANXINGDE“GAOKUAIGANZHI、GAOFULISHOUYI”LEIXIAOFEI。 


因此,对于第一象限的消费策略是:扩大范畴,让它们成为金钱消费以及时间消费的主体。 


开心棋牌 JIRANCILEIXIAOFEIBUDANNENGJIWOMENDAILAIHENGAODEKUAIGANZHI,HAINENGDAILAIHENGAODEFULISHOUYI,NEIMEWOMENJIUGAIBUDUANZENGJIAZHEILEIXIAOFEIDEBILI,KUODAZHEILEIXIAOFEIDEFANCHOU。


DAGEBIFANGSHUO,RUGUOYIQIANTINGYICHANGJUESHIYINLEHUIDUINILAISHUOSHI“GAOKUAIGANZHI、GAOFULISHOUYI”DEXIAOFEI,NEIMENIKEYIZAIXIAGEJIEDUANJIANGZHEIGEFANCHOUKUODADAOGUDIANYINLEHUI、YINLEJU、WUTAIJUDENG,SHENZHISHIHUAZHAN。TONGGUOKUODAFANCHOU,RANGCILEIXIAOFEIZHUJIANCHENGWEINIJINQIANXIAOFEIYUSHIJIANXIAOFEIDEZHUTI,BANGNIZHUBUSUZAOWEILAI。


2


第二象限:

高快感值、低复利收益 


开心棋牌 QUWANGHONGDIANPAIDUIMAIDANGAO、SHENYEPAIDUIMAIMAOZHUABEI(QISHIWOBUNENGQUEDINGZHEIHAISUANGAOKUAIGANZHIMA?)、ZAIMOUBAOSHANGMAIYIDUIYIFU,ZHEIXIEDOUSHINENGZAIGOUMAIDANGXIACHANSHENGHENDAKUAIGAN,DANFULISHOUYIQUEBUGAODEXIAOFEILEIXING。ZHEILISHUODEFULISHOUYIKENENGSHIHENDIDESHUZHI,KENENGSHILINGHUO“FUZHI”。


因此,第二象限的策略是:区别对待,对于可以将“低复利收益”转化为“高复利收益”的消费,进行转化;对于无法被转化的消费,尽量少做。


▌1、转化


WEISHENME“DIFULISHOUYI”DEXIAOFEIHAINENGXIANG“GAOFULISHOUYI”ZHUANHUA?


因为很多消费带来的“复利收益”究竟是低还是高并不取决于这个消费本身,而是取决于你在消费时使用的方式,而使用方式是可以改变的。


因此,如果想要实现这一转化,就要增加消费时的体验和实践的深度、增加与之相关的学习和思考。


比如说:虽然每个女生都爱美,很多女生都有化妆、搭配衣服的习惯,但却只有极少数人能够成为这方面的专家,成为博主、做电商、甚至是创立自己的时尚品牌;而大多数女生都只能追随其后。因为前者将她的时间、金钱都投入在了这些她有热情的事情中,而且更重要的是,她们走得很深,她们对这些消费进行体验和实践的深度,以及与之相关的思考与运用都远远超越常人。


SUOYI,SUIRANXIAOFEIKENENGSHITONGYANGDE,HUADEQIANHEDAILAIDEKUAIGANDOUCHABUDUO,DANQIANZHEQUENENGZAIZHEIXIEXIAOFEIGUOCHENGZHONGBUDUANZENGJIATIYANHESHIJIANDESHENDU,BUDUANZENGJIAYUZHIXIANGGUANDEXUEXIHESIKAO,JIANGHUAZHUANG、CHUANDAFANGFAJINXINGSHENDUSIKAOHEZONGJIE,XINGCHENGXINGZHIYOUXIAODEFANGFALUN,BINGXIECHENGWENZHANGHUOPAICHENGSHIPIN。


YUSHI,DUIZHEIXIERENERYAN,ZHEIXIEXIAOFEIJIUBUZAISHIYIBANXINGDEXIAOFEI,ERSHICHENGWEILEYIZHONGTOUZI,SHENZHISHITAMENSHIYEKAISHIDEYUANTOU。 ZHEIJIUSHICONG“DIFULISHOUYI”XIANG“GAOFULISHOUYI”DEZHUANHUA。


▌2、尽量少做

开心棋牌 DUIYUMOUXIEXIAOFEI,RUGUONIWUFAJIANGTACONGDIKUAIGANZHIZHUANHUAWEIGAOKUAIGANZHI,WODEJIANYIJIUSHI“JINLIANGSHAOZUO”。


开心棋牌 ZAIZHEILI,YOULIANGDIANXUYAOZHUYI:


▣(1)  “少做”低复利收益的消费,但并非“不做”。 


开心棋牌 WOMENSHIREN,SHIRENJIUYOUQINGXU,SHIRENJIUYOULANDUO、KONGJU、JINZHANG、MIMANGDESHIHOU,ZAIZHEIXIESHIHOU,TONGGUO“GAOKUAIGANZHI、DIFULISHOUYI”DEXIAOFEIQUHUOQUJISHIDEKUAILEYUMANZU,YEFEICHANGYOUBIYAO。


▣(2)如果情绪常被影响,那就需进行觉知与思考 。


开心棋牌 RUGUONICHANGXUTONGGUOZUO“GAOKUAIGANZHI、DIFULISHOUYI”DEXIAOFEIQUSHUHUANZIJIDEQINGXU,NEIKENENGJIUSHIYIGEXIAOXIAODEXINHAO:NIKENENGXUYAOCONGGENBENSHANGKANKANDAODISHISHENMEZONGZAIYINGXIANGZHENIDEQINGXU,YOUSHISHENMERANGNIZONGHUIGANJUEDAOKONGJU。SUOYI,SHOUXIANXUYAOZAIQINGXUCHUXIANSHIJINXINGJUEZHI,RANHOUJINXING“SHENDUSIKAO”,KANKANRUHECONGGENBENSHANGJIEJUETA。



3


第三象限:

低快感值、低复利收益 


HENDUORENHUIZAICHUQULVXINGSHIMAIDIANERXIAOWANYI,YINWEIDAJIADOUHUIGOUMAI。ZHEIXIEDONGXIJIAGESUIRANBUGAO,QUEYEBUSUANPIAOLIANG,GENGBIETIYISHUGAN,BIRUSHEJIJIANDAN、ZUOGONGCULIEDEBINGXIANGTIE。ZHEIXIEDONGXINENGJIWOMENDAILAIDEDANGXIAKUAIGANBENJIUBUGAO,DENGHUILAIHOUWOMENYOUJIANGTAMENRENGDAOYIBIAN,ZAIYEXIANGBUQILAI,YUSHIYEMEICHANSHENGRENHEFULISHOUYI。ZHEIJIUSHIDIANXINGDE“DIKUAIGANZHI、DIFULISHOUYI”LEIXIAOFEI。


开心棋牌 KESHI,JIRANSHI“DIKUAIGANZHI、DIFULISHOUYI”DEXIAOFEI,WEISHENMEHAIHUIYOUHENDUORENQUZUONI?


开心棋牌 YUANYINZAIYU:DADUOSHURENBINGBUZHIDAOZIJIXIANGYAODEDAODISHISHENME,BUXIANGYAODEYOUSHISHENME,SUOYICAIHUIGENFENGXIAOFEI,ZUOCHUKUAIGANZHIJIDI,FULISHOUYIYOUDIDESHI。


BIRU:NIBUZHIDAOZIJIQISHIDUIYISHUHENGANXINGQU,YUSHIZAILVXINGSHIJIUGENZHEWANGLUOSHANGDEGONGLVEQUGEGEWANGHONGDIDAKA,JIEGUOBUDANHUIYOUYINPAIDUIERCHANSHENGDELAOLEI,HAIHUIYOUYINWUQUERCHANSHENGDETUISANG,ZHEIJIUSHIDIKUAIGANZHI、DIFULISHOUYI。XIANGFAN,RUGUONIZHIDAOZIJIXIAIYISHU,XIANGYAOJINRUNZAIYISHULI,LVXINGSHIJIUQUNEIXIEMEISHUGUANKANZHANLAN,YUSHINIDEKUAIGANZHIHEFULISHOUYIDOUDEDAOLEXIANZHUTIGAO。


因此,对第三象限的策略是:舍弃,最好不做;同时,进行自我觉知。



4


第四象限:

低快感值、高复利收益 


HUAJIWANYUANCANJIAYIMENKE,XUEDEGUOCHENGBUTAIRONGYI,HUAXIAOYEHENDA,HAIYAOPAOQULINGYIGECHENGSHIZHUYIXIETIAN,FEICHANGXINKU,SUOFEISHIJIANPODUO,DANZHEIXIANGXIAOFEIQUENENGDUIRENSHENGCHANSHENGZHANGYUANDEJIJIYINGXIANG,ZHEIJIUSHIDIANXINGDE“DIKUAIGANZHI、GAOFULISHOUYI”LEIXIAOFEI。


对它们的策略是:加深和转化,保持并加深高复利收益,同时将低快感值转化为高快感值或中等快感值。


开心棋牌 CILEIXIAOFEIZHIGUANZHONGYAO,WANGWANGNENGCHENGWEIWOMENRENSHENGLUSHANGZHUANZHEFASHENGDEQIDIAN。YINWEIWODETIANFUZHONGYOU“XUEXI”ZHEIXIANG,SUOYIJUEDADUOSHULEIXINGDEXUEXIYUWOERYANDOUSHUYUDIYIXIANGXIAN(GAOKUAIGANZHI、GAOFULISHOUYI)。RANER,YEYOUYIXIELEIXINGDE“XUEXI”YUWOERYANSHUYUCILEI,BIRU:XUEXISHIJIANGUOZHANGDE、MEITIANQIANGDUGUODADE、BUSHIFEICHANGGANXINGQUDE、JIANGSHOUPOWEIKUZAODE。SUOYI,DUICILEIXUEXILEIXIAOFEI,WOJIUXUYAODUITAMENJINXINGZHUANHUA,CONG“DIKUAIGANZHI”ZHUANHUACHENG“GAOKUAIGANZHI”。


ZHUANHUADEFANGFAYOULIANGZHONG:


▣(1)给自己描绘一个实现后的美好愿景 


开心棋牌 XIANGYAOJIANSHENDANYOUJIANCHIBUXIALAI,KEYIJIZIJIGOULEYIGEMEIHAOYUANJING:MIAOTIAODESHENCAI、JIANKANGDESHENTI,NENGRANGZIJIZAI60SUITONGXUEJUHUIDESHIHOU,BEISHOUXIANMU,RANGZIJIZAI70SUIDESHIHOU,HAINENGPAICHUMEIZHAO,SICHUYOUWAN。


▣(2)为这件事赋予重大意义


开心棋牌 LIXIAOLAIDANGNIANWEILEJINXINDONGFANGJIAOSHU,YAOKAOTOFEL/GRE,YAOBEILIANGWANDUOGEDANCI。YIKAISHIJUEDE:ZHEINAERSHIRENGANDESHIERA?RANHOU,TAHUALEYIGEXIAWUZHUOMO,YOUMEIYOUBANFABABEIDANCIZHEISHIERFUYUYIGEZHONGDAYIYINI?HENKUAIJIUXIANGDAOYIGE:KAOGUOTOFEL/GRE,NADAOGAOFEN,ZAIXINDONGFANGJIAOSHU,JUSHUONIANXINBAIWAN,NEI……YIGEDANCIJIUXIANGDANGYU50KUAIQIAN,ZHEIGESHUANGA!JIEGUOYUANLAIJIHUAGANGKAISHIXIANMEITIANBEI50GEDANCISHIYINGYIDUANSHIJIAN,XIANGDAOZHEIYICENG,MASHANGJUEDING,BUXING,DIYITIANJIUYAOZHUANSHANG5000YUAN!DAOLEDIERGEYUE,JUEDEHENBUGUOYIN,YUSHIKAISHIMEITIANZHUAN1WANYUANRENMINBI,SHILESHI,JUEDEYEBUSHITAINAN。YUSHIJIUZHEIYANGBAZHEIJIANFEICHANGKUZAODESHIQINGJIANCHILEXIALAI。



最后,我想说,看不见的成本才是最贵的。当你把时间(注意力)和金钱花在了那些无法带来复利收益的消费上,你付出的成本就是自我的成长和美好的未来。 


请记住这句话:你的时间和金钱流向哪儿,你的人生就会走向哪儿。


开心棋牌 --文字、图片素材来源于网络,对原文作者深表敬意,如有版权异议,请联系删除。

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