<p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><font color="#999999"><span style=" Microsoft Yahei"; ">文 | 随手学院理财训练营 | 职业:</span>土木工程师、新晋宝妈 <span style=" Microsoft Yahei"; ">| </span>缇茉</font></p><p style="text-align: center; ">
</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>一直在理财路上跌跌撞撞的她,虽学习过很多课程,但依旧感觉自己是门外汉,直到上了随手学院理财训练营,她才知道原来理财也是有“套路”的。</span></p><div style="text-align: center;">
</div><div style="text-align: center;"><b><font color="#ff8c00">学习课程之前</font></b></div><div style="text-align: center;">
</div><p><span style="text-align: center;">说到理财,我知道这个词是14年,那时候我第一次离开家外出工作,微薄工资和生活压力,迫使我想通过记账去合理分配工资,就是这样,我开始了我随手记的记账之旅。</span><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; ">随后在随手记社区里,我看到了三公子的文章,并拜读了她的《工作前五年,决定你一生的财富》,这时我才真正开始接触理财。</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>作为一个没有经验的小白,我先是购买了随手记的新手产品,之后是随手记周理财(现在好像没有了)。</span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span><br></span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>一步一步积累了一点资金,开始买基养基,我是一个很急躁的人,做事情急于求成,在网上看到很多人说这个基金好,我就一次性买入,自己研究过觉得还行的就每月定投。</span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span><br></span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>由于自己对基金的一知半解,加上浮躁的性格,可想而知我的基金亏的一塌糊涂。</span></span>不甘心的我,把钱全部赎回,加入了羊毛党大部队。</p><p style="text-align: center; ">
</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>从15年到现在,我投了很多的p2p,年化率虽很高,但风险是其大的,虽然我很幸运,暂时还未踩雷,但我知道,</span>这不是理财,是投机,更不是长久之计。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>为了真正了解如何理财,我关注了很多大神的公众号,参加了很多大神组织的各种理财课、读书会……这些让我花费了大量时间和精力的课程,并未给我带来太多的理财干货,我依旧是一个理财门外汉。</span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span><br></span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>直到今年在朋友圈看到了赛美老师的课,抱着试一试的态度我报名了,每一节课都让我收获满满。</span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span><br></span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span>对于我来说,</span>今年是特别的一年,我升级做了母亲,有了自己的小家庭,理财对于我来说是迫在眉睫的需求,我需要打理好家庭,我需要教会子女从小懂得理财的重要性。赛美老师的课对我来说就好像及时雨一样<span>。</span></span></p><div style="text-align: center;">
</div><div style="text-align: center;"></div><div style="text-align: center;"><b><font color="#ff8c00">学习收获分享</font></b></div><p style="text-align: center; ">
</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span><b><font color="#f59538">1、整理资产,理财从整理开始</font></b></span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><span><br></span></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>从前的我总是觉得理财嘛,不就是理一理每个月工资,算一算每个月花销嘛,然后有钱就投资就好了,真的是太简单了。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>上课后我才知道,理财理财,先理才有财,连自己经济状况都不知道的人,谈什么理财?通过整理,我才知道我是真正的负翁!</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><b><font color="#f59538">2、有目标才有动力,什么才是我的理财目标</font></b></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>你想通过理财获得什么?一件垂涎已久的首饰?一趟期盼已久的旅行?还是一套想要给家人遮风挡雨的房子?</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>有了目标,才知道路要怎么走,才能坚持下去。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><font color="#f59538"><b><br></b></font></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><font color="#f59538"><b>3、何为节流?一味的省钱并不是节流,好好花钱才是王道</b></font></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>为了省钱,我总是趁着打折,特价囤上一堆可能能用上的东西,买一些看似便宜,质量一般的衣服。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>这样看来我好像是节约了不少钱,但仔细想想,那些可能能用上的东西囤太多,有些坏了,有些根本用不上,那些便宜的衣服,穿不了几次就变形了。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>这样子节省,既没有真正省到什么钱,反而降低了生活品质。真正的节省,应该是合理的价格,购买自己真正需要的东西,有质量的东西。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><b><font color="#f59538">4、记账不是记流水账,记得常回头看看</font></b></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>每天仅仅是把自己的花费都记上,从来不看看自己花了多少,剩下多少。到了年终,发现自己认真记账为什么没有攒下一分钱?</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>记账第一步应该是给自己设定一个预算,有计划的去花钱,然后才是记下收入花费,做到心中有数,最后每个月、每季度、每年,都应该回顾下自己的花销,是不是有些可以节省,不需要花费的地方。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><b><font color="#f59538">5、保险不是洪水猛兽,它是你守护家人的真心</font></b></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>意外和明天,我们不知道哪个会先来。作为独生子女,我最害怕的就是如果我发生了意外,谁来照顾年迈父母和还在襁褓中的孩子?保险的理赔,也许就是我给他们最后的关爱。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><b><font color="#f59538">6、问君何来理财钱,唯有源头活水来</font></b></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>俗话说:小富由俭,中富由勤。可见开源才是成为富人的必要手段!利用好你的职业,你的优势,去建立财富管道,打开财富之门。</span></p><p style="text-align: center; ">
</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>就拿我所熟悉的建筑业来说,开源其实并不是一件很困难的事情。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>首先有很多执业证书可以挂靠,比如一二级建造师(这个我想应该是大家比较熟知的),还要专业性要求比较强的一二级注册建筑工程师、结构工程师、暖通工程师等等。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; ">就我专业而言,结构工程师就是我可以用来开源的手段,简单来说就是如果我顺利通过了结构工程师的考试,拿到证书,<b>那么我可以在不用工作的情况,只靠挂靠证书,每年大致有6w的收入。</b></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>再者,设计是一门技术,除了在单位上班,私底下还可以去接一些私活,虽然辛苦,但也不失为一个开源的好方法,但这个就是像赛美老师所说的卖时间赚钱。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>作为我个人,除了在设计院有一份工作,自己还兼职代理了一家培训机构,给企业给个人进行培训。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>这些都是我基于自己优势找到的开源方法,但自己觉得这样远远不够,我希望通过学习更多的技能找到更好的项目可以自己创业,因为这个是一个新的时代,一个知识付费的时代,这个时代一定带来更到更大的可能。</span></p><div style="text-align: center;">
</div><div style="text-align: center;"></div><div style="text-align: center;"><b><font color="#ff8c00">下一步理财行动计划</font></b></div><div style="text-align: center;">
</div><p style="text-align: center; "></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>理财最重要的是,不能不做,不能推迟,不能失败!</span>学习了这么多的理财知识,自己去做,去实践才是最有效的。</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>经过自己的深思熟虑,我把这四件事作为我理财行动的第一步。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>1、 给父母、爱人、孩子购买保险;</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>2、 整理出自己不需要的东西,置换或者二手卖掉,以后只买合适自己的,有质量的东西;</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>3、 重新开始基金定投;</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>4、 投资自己,学习更多的技能,将知识变现。</span></p><div style="text-align: center;">
</div><div style="text-align: center;"></div><div style="text-align: center;"><b><font color="#ff8c00">我想对你说</font></b></div><div style="text-align: center;">
</div><p style="text-align: left;">作为一个母亲,我希望我所学能不仅仅是增值自己,更希望能够影响我的子女!<br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span>最后我想说或许我不能给后代留下千万资产,但我能给他们留下价值千万的知识。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; "><span><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; ">解放思想,黄金万两!随手学院第4期理财精进营还在持续招生中,想要报名变有钱的小伙伴赶紧上车哦!</p><div style="text-align: center;">
</div><b>报名攻略:长按存储上方图片,打开微信扫一扫该图,即可报名课程;或关注公众号【随手学院】,点击菜单栏下【理财课程】——【理财训练营】,即可直达报名页面,还有更多精彩内容等着你哦</b><br><div style="text-align: center;">
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