10 Rules to a Happy Life

 

At the end of the year and the beginning of the year, I always hear the wishes of "Happy New Year to you". Some people say that happiness is too difficult; maybe it Is because we often forget that happiness is a choice.

Learn these 10 rules of happy life, let's wave goodbye to sorrow and welcome the new year with great strides.

01     Stop thinking too much

Some people like to think too much, ponder too much on the trivialities of life repeatedly, and find fault with themselves, but in the end they just increase anxiety. Don't be overly restrained and sensitive, face life with a normal heart. When people are comfortable, they will feel much better.

02     Don’t pay too much attention to other people’s opinions

I have seen many people who care too much about other people's opinions and try to seek their own value in the other people’s evaluations. But in fact, life is our own; we each have our own light. Let go of paranoia, don't be distracted, and live the present moment, so that you can be more relaxed and comfortable.

03     Control bad mood, release good aura

As the saying goes: nine out of ten things don't go well in life. Those who are always happy are not without problems, but they all know how to control their emotions and are not affected by bad emotions or bad temper. Only by maintaining a good attitude can you control life and feel the beauty of life.

04     Find your comfort zone

Many people have a misunderstanding of the comfort zone, thinking that being in the comfort zone is about being content with the status quo and just living with it. In fact, finding a comfort zone does not mean not working hard, but being able to do what you want to do and be good at, and have a temporary shelter when you are sad.

05     Occasionally "muddled" once

Being forgetful, laugh when something happens, give yourself a time to buffer and relax occasionally, there is nothing wrong. Don't be too serious about things that are unplanned, you will be happier if you are a little muddled.

06     Learn to reject

Some people say: "When you are in your twenties, you feel that life is too long. In fact, sometimes, life is very short." Learn to reject other people's unreasonable demands and things that make you unhappy. Have more joy.

07     Develop Hobbies

Happiness is found by oneself. Cultivate one or two hobbies, such as reading, sports, cooking, growing flowers. Let go of the impetuous mood and experience the joy of life from simple little things, you will become more and more loving life.

08     Tidy up regularly

It has to be said that cleaning up the room seems to have a magical power. Playing your favorite music, tidying up the house, and sweeping away the bad emotions that have accumulated for a long time. The resultant is that the room is cleaner and your mood is brighter.

09     Exercise regularly

Many people have the experience that exercise can make people feel good. Exercise is also an excellent skin care product. People who insist on exercising are healthier in body and mind, and they are more confident. So, go to exercise when you have free time, there is no bad mood that can't be driven away by sweat.

10     Sufficient Sleep

A good night's sleep is probably the easiest way to relax. After a busy day, all the bad emotions were quietly healed in the warm bed at the moment of lying in bed. Tonight, remember to go to bed early and let good dreams heal your body and mind.

 

May you always keep a smile on your face and love for life in the new year.

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Learn these financial management thinking, you can also make money with "money"

Li Ka-shing once said that before the age of 30, one needs to make money from physical strength, and after the age of 30, one needs to make money from “money”.

This sentence tells us that it is very important to learn how to make money by using money to make money.

Before the age of 30, it is a kind of growth, a kind of experience, a kind of knowledge accumulation process.

After the age of 30, both work and life are becoming stable. At this time, we use our own "wealth" to create wealth, which means that at this time, we should pay attention to the way of "making money with money".

That is to say, use your own knowledge, contacts, skills and other wealth to increase the value of your wealth and make money with money!

In short, you must work for money before the age of 30. After the age of 30, you must learn to make money work for yourself and make money with money! Just learn to invest and manage money.

To make money with money, it is an indispensable to have certain investment and financial management knowledge, and the following points can help us better achieve the goal of "making money with money":

First, be aware of financial management

First of all, it must be clear that financial management is not exclusive to the rich, because financial management is needed even if there is no money, so that family financial management is healthy!

We want to buy a house and a car, but we sigh that our income is too low. In fact, after learning financial planning, we discovered that we can realize our dreams after reasonable allocation of income and expenditure and formulating financial planning. The key is whether we implement and learn: Financial management.

For example, if you want to buy a $45,000 item in three years, you need to save 15,000 every year, which is broken down to 1,250 a month.

And if you invest your money from regular savings every month, you may only need to save 1,000 to achieve your goal.

Therefore, many needs can be achieved through financial management, but the key is to have a correct understanding of financial management.

For example, some people feel that they have no money, but through compulsory savings and investment and financial management compound interest, they can be surprised to find that they can also become "rich people." In the past, stocks and fund investments were so remote, but only after researching did they discover that it was not as difficult as imagined.

But what is really difficult is my own knowledge and awareness of financial management.

Financial management is life management, clear the finances in life, clarify your life goals, determine the life you want, you will find that financial management is so easy! All my dreams have been realized one by one!

Second, learn financial knowledge from various sources

Speaking of financial investment, many novices may find it difficult, but no one is born with financial management skill.

If you don’t understand, I suggest you read more financial newspaper articles, gradually build up financial awareness and concepts, or get to know some professional financial managers, which can lead you to improve financial management skills.

I never read financial news before, and I found it boring, but after researching on financial management, I was concerned about my investment income.

Therefore, I pay attention to various financial news, policy documents, articles by financial experts, etc everyday. You can learn financial trends from financial news, and only by advancing with the times can you follow the market in financial management and win good returns.

Also read various professional financial management books to improve investment skills.

Through all aspects of financial management learning, I will continuously improve my investment and financial management skills to make my investment more practical and confident! Then investment can obtain greater returns.

Third, set personal financial goals

In the process of financial management, if you want to obtain greater and higher returns, then you have to set financial goals for yourself, so that you have motivation!

Financial management needs to set financial goals, that is, financial income goals.

For this goal, I suggest only making an annual financial management income target, because the economic situation is uncertain every year, so the income target plan is made on an annual basis. After completing the annual income plan, it is then allocated to the monthly plan, so that it can be executed more easily.

The financial income target should not be too high. It is generally recommended to set the average target of your family's financial management funds.

For example, money for fixed income from renting, as well as money for investing in stocks and floating income of funds, etc., you can set a general goal according to your own financial management skills, and then work hard to complete it!

When you reach your financial goals, you must know how to take profits in a timely manner, and you must not be too greedy.

The original intention of setting financial goals is to urge oneself to continuously improve financial awareness, increase investment awareness, and continuously allow wealth to accumulate and appreciate!

Fourth, financial investment must be done within one's ability

When people invest in financial management, they compare wit other people’s income, even to the extent of copying their way of financial management, but the result is that the more you manage your financial affairs, the more you will fail, and lose your principal.

Any investment and financial management is risky, and the return is proportional to the risk. The higher the return of the financial product, the greater the risk.

Therefore, when investing in financial management, you should not blindly chase high-risk financial products, you must learn to configure financial products within your own risk tolerance range.

For example, some prudent investors don't know much about stock funds, so don't follow the trend to buy stocks. They can choose bank wealth management products, treasury bonds, bond funds and other investments based on their own risk tolerance.

And for prudent investors, 70% of the capital invested must be low-risk products.

If you are a person with high risk tolerance and have certain investment experience, you can choose aggressive stocks and fund investments. If your investment skills are immature, you can choose fund ETFs or fixed investment funds.

In general, no matter who you are investing, you must choose a financial product that suits your investment skills and risks, and you must not operate blindly.

When investing in financial management, you must remember a classic saying: Keeping your principal means winning!

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Learn to do "subtraction" at times, so life can in turn be "addition"

 

01

I still remember when I was in university; I will choose a quiet corner in the library and start my day. I really like this kind of life where there is no interruption, having my ‘alone’ time.

My friend Jane is different from me: she will keep herself busy by participating in various competitions and obtained various certificates. Her life is full of actions and envied by many people.

But she also has her own worries. She found that she couldn't even devote herself 100% to her studies. Even if the phone was on silent mode, she always picked up the phone to see if there is a new task. She felt like she was just plain busy, and she was envious of me being able to live a regular life according to my plan.

University life provided us with many choices and opportunities. It’s easy for us young people to think about everything, only to find out at the end that we are so tired yet so busy that we have no direction. In fact, if you are willing to do ‘subtraction’ for your life, you can live more fulfillingly.

02

After getting out of university, as I got older, I discovered that the simpler life is, the easier it is.

There is a friend of me who likes to buy and buy. Her purchase routine is: if she was only attracted by the cover of the book, she would buy it; when she saw beautiful clothes, she bought them immediately, but put them in the corner of the closet without wearing them. Finally, she got more and more things in the house, it was a pity to throw it away.

Later, she finally made up her mind to make a change. First is to throw away or donate useless things. Second, remind herself whether it is necessary before buying things, and clean the room regularly. As a result, her room has become particularly minimal, she said: I feel that the burden on my heart has become less after seeing her house when she goes home everyday.

03

In addition to simplifying the material items, inner cleansing is even more important.

My cousin is a very caring person. It's always difficult to let go and feel unhappy because of someone's unbelievable words and unkind things. Once, she met someone who had attacked her before. She originally wanted to find a reason to attack him this time, but found that the other party could no longer remember who she was. My cousin only realized that others had forgotten everything, and she was the only one who was stuck in the midst of it.

We always conceal the people and things that have hurt us, and it is hard to let go. We then become negative. In fact, it is just that we can't get through ourselves. Don't let some unimportant people and things condense into a burden and affect your life. Press the delete button, you will feel much lighter.

In many cases, we want too many things, but we really need very little. By ‘subtracting’ items from our lives at times, we will have more energy and time to enjoy the beauty of life and pursue a more meaningful life.

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Warren Buffett's time management: the free-er, the rich-er