Financial management enables us to develop good financial habits and to be more disciplined in our spending.

Financial management is much more than just buying some financial products. In general, it is about managing your own property and debts, handling and using the money in your hands wisely to make the most of it, such as learning to keep accounts, not spending money, keeping a reserve of funds, investing in financial products, real estate, buying insurance, etc. Good habits benefit the body, and developing good financial habits makes life richer and more colourful, but also provides both material and spiritual satisfaction.

With a detailed understanding of our financial situation, we can analyse our accounts to find the crux of our financial problem and then improve it. Through this purposeful and continuous improvement, we are becoming more disciplined in our daily spending. All money is spent where it is spent, not wasted, and then you can invest the money you save to create value. The more disciplined one's life becomes, the healthier one becomes; similarly, the more disciplined one's spending becomes, the healthier one becomes financially.

Financial management allows us to live a better life and improve our quality of life.

Balancing your income and expenditure is only the basic purpose of financial planning. Everyone wants to live a good life, not just meet the basic needs of life from birth to death. Do you want to buy a luxurious and comfortable house? Do you want to drive a black Mercedes on a wide open road? Would you like to enjoy a warm, romantic dinner at a luxury restaurant on a weekend or holiday? Would you like to travel once a year? These are luxury ideas beyond the basic needs of life, but they are not unattainable fantasies. The pursuit of a high quality of life is another objective of financial planning.

Financial management makes us feel more secure.

Financial management allows us to be well prepared for all the risks that may arise in the future when we have a good income. Even if the risks do come, we can maintain our current standard of living. At the same time, when we retire, we can live a decent and dignified life in old age.

Financial management allows us to achieve financial freedom.

Financial freedom is about earning money and generating enough income to offset our daily expenses. We are often referred to as passive income. The opposite of passive income is active income. We must actively pay for our labour and ingenuity in order to earn income, and this is the main source of 團體醫療保險.

The key to managing your money is to plan wisely. We need to use our money to maximise the impact of our limited resources.

1. Learn to cut back on expenses. The first step in financial management is to save money on unnecessary expenses when wages are limited.

2. Do a good job of opening up new sources of income. The first step in financial management is to save money.

3. Be good at planning. The purpose of financial management is not to make a lot of money, but to secure or improve your future (so financial management is not just for the rich, but also for the working class). Being able to plan for your future needs is very important for financial management.

4. Structure your money wisely, balancing actual spending with future income. This can be done by commissioning a professional to design this.

5. Consider the rate of return according to your needs and risk tolerance. A high yield financial plan is not necessarily a good plan. A plan that suits you is a good plan because the higher the rate of return, the greater the risk. The right plan for you is the one that achieves the desired objective with the least amount of risk, not the one with the highest rate of return. Remember: the purpose of your financial management is not to make money, the activity of making money is called investing!

Financial management helps people accumulate wealth. If the accumulation of wealth for the average person is a long-term process, then financial management is the accelerator that speeds up this accumulation. Financial management itself requires that people understand their financial situation and plan their wealth, such as choosing the right financial items for their situation, improving their spending habits that affect their wealth, and making their spending more in line with good rules. Financial management requires daily improvement, but it also requires long-term persistence. Life is not easy to get rich overnight, so we need to make our daily spending more and more disciplined and our wealth accumulate more and more through this kind of purposeful and continuous improvement.

Posted by: ssing at 09:59 AM | No Comments | Add Comment
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How do I take the Yoga Fitness Qualification? Can I work as a yoga teacher in a gym after yoga teacher training the Yoga Fitness qualification? Many people are willing to go to a gym to do part-time work as a yoga teacher, i.e. the salary for doing part-time work is also very high, then how to take the yoga fitness qualification? Can I work as a yoga teacher in a gym after I have taken the Yoga Fitness Certificate?

How to take the yoga qualification certificate? The first thing is to distinguish which kind of yoga and fitness qualification you are going to take. There are two kinds of yoga and fitness qualifications: one is distributed independently by each of the bigger yoga studios. The other is the official qualification certificate issued by the Ministry of Social Security of the Chinese Human Resources Bureau. The difference between the two is very big.

1、Qualifications issued by yoga studios
This type of qualification is classified as a third party qualification. Students who are prepared to take this type of qualification can apply for it immediately at their local yoga studio.

2、Official network qualifications
You will have to go to the local examination body for information, and carry out the examination at the regulated examination registration time, according to which later, the state will distribute the official net yoga fitness qualification certificate. The top side will write the professional ability qualification certificate all over the country.

Although one is the official network qualification certificate, one is the third party qualification certificate, but the general fitness club all can use, but to apply for the official network of yoga fitness qualification certificate or very difficult, the standard is very much.

The following are the regulations for the official network of yoga and fitness qualifications.
Can I work as a yoga teacher in a gym after taking the Yoga Fitness Certificate? It is natural that you can work as a part-time instructor at a gym with a yoga fitness qualification.
Whether it is an official online qualification or a third-party qualification fitness clubs are all sure, only the official online yoga and fitness qualification will have a greater standard of recognition.
To apply for a yoga fitness qualification you have to find these yoga studios that can apply for the official network, for example some yoga clubs can apply for the official network coaching certificate. Of course the usual teaching key look at your classroom teaching work experience and yoga fitness standards, pescetarian yoga fitness very good selection!
The last test net evaluation regardless of whether or not the test qualification to do the instructor, practice yoga are to their own body has a special great benefit

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The basic accounting knowledge that accountants should be proficient in includes the following aspects 1) Setting up an account,Setting up accounts is a professional way to classify, calculate and supervise the main content of financial accounting. Because the core content of accounting objects is complex, to carry out systematic calculation and habitual supervision on it, it is necessary to carry out scientific and reasonable classification of economic development business processes, so as to facilitate classification and continuous recording, so as to obtain A variety of different characteristics, messages and indicator values ​​that meet the requirements of the operation management center.(2) Double-entry bookkeeping,Double-entry bookkeeping refers to a bookkeeping method that registers in two or more interrelated accounts with the same amount for each fund business process that appears. 

The use of double-entry bookkeeping can comprehensively reflect the cause and effect of each economic development work, and can avoid mistakes and help to check the rationality and consistency of the records in the account book. It is a relatively reasonable bookkeeping method.(3) Fill in and approve the credentials,Accounting vouchers are written materials that record the business process of economic development, establish economic development obligations, and serve as the basis for accounting. Properly filling in and approving accounting vouchers is the basis for calculating and supervising the financial disclosure of economic activities, and is a prerequisite for doing a good job in financial work.(4) filing accounting vouchers,Recorded accounting vouchers, commonly known as bookkeeping, are classified in the accounting books based on the approval of accurate accounting vouchers, continuously and in detail to record the business processes of various economic development items, so as to provide detailed and systematic software for economic and management. It is convenient to provide detailed and systematic software financial accounting materials for economy and management. Book records are crucial accounting books, and are an important part of financial accounting analysis and financial accounting inspection.(5) Calculate the cost,Calculated cost is a professional way to calculate and allocate project accounting system software process of production and operation according to a certain target, so as to clarify the cost and product cost of each target. Production cost is a key indicator value that comprehensively reflects the company's production and operation activities. Proper cost calculation can evaluate the cost level of production and operation, and at the same time, it is the basis for clarifying the company's profit and loss and formulating product quotations. And provide key data and information for the company to achieve business management and management decisions.(6) Property inventory,Property inspection refers to a professional way to check the accounts according to the aggregated entities to find out the registered amount of various types of assets and materials. 

According to the property inventory, the accuracy of financial accounting records can be improved to ensure that the accounts are consistent. At the same time, it can also check the storage and use status of various assets and materials, as well as the implementation status of various settlement payments, so that it is convenient to immediately take certain measures for items that are overstocked or damaged and overdue loans. Effective measures to carry out cleaning and strengthening methods for the management of assets and substances.(7) Finalizing financial and accounting statements,The preparation of financial accounting statements is a professional way to reflect the economic activities and effects of companies and administrative institutions in a timely and comprehensive manner in the form of special reports. The key of financial accounting statements is based on the records in the account books, and a set of perfect calculation index values ​​is formed through a certain method of production sorting, which is used to evaluate and analyze the financial forecast and budget execution status, and to formulate the accounting and estimation of the next period. important part.Although the above seven methods of financial accounting have their own special meanings and effects, they are not independent. Instead, they are interconnected, interdependent, and restrained. They form a complete method management system. In financial accounting, this method should be properly applied. Generally, after the economic development work occurs, fill in and approve the credentials according to the prescribed procedures, and use the double-entry bookkeeping method to carry out the filing in the relevant books; Property inventory, on the basis of the consistency of account certificates, accounts, and actual accounts, formulate financial and accounting statements based on account records.

The program flow that is used in conjunction with each other in this way is:After the economic development work is produced, obtain and fill in the accounting vouchers;The economic development business process is classified and calculated according to the accounting entries, and the double-entry bookkeeping method is applied to record in the relevant accounting vouchers;Calculate the cost of various expenses in the whole process of business operation;Check the book records according to the property inventory to ensure that the accounts are consistent;At the end of the period, according to the account book record materials and other materials, the necessary production and processing calculations are carried out, and the financial accounting statements are prepared.

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With the popularity of Alipay and WeChat, people now prefer to use mobile phones to make payments, and most of them American express automatic payments information to bind Alipay and WeChat scan code transfer payments. This kind of payment management method is really convenient to develop, eliminating the need for corporate cash payment transactions. tedious.

What is the difference between credit card binding WeChat, Alipay consumption and direct credit card payment? Let me tell you here: the difference is very big, and it will even affect the limit of your credit card to borrow money!

When it comes to the way of using credit cards, it can be roughly divided into online online consumption and offline physical card consumption. Most of the online consumption of credit cards do not have points, why?

In fact, the answer is very simple. Since credit card holders have no money to earn in online consumer banking, the handling fee charged by offline credit card consumer banking from merchants is 0.6%, while the handling fee charged by online consumer banking is only 0.38%. The third party pays the channel and channel fees, and the bank is not profitable at all.

Analysis of the card swiping process of UnionPay POS machine:

If you swipe 1,000 yuan on the POS machine, you need to pay a handling fee of 6 yuan, 4.5 yuan of the 6 yuan to the issuing bank, and 1.5 yuan to the acquirer. Then the issuing bank pays 0.325 yuan to China UnionPay, and the acquirer pays 0.325 yuan to China UnionPay. Then, China UnionPay earned 0.65 yuan.

WeChat/PayPal code scanning process analysis:

Assuming that you need to pay 1,000 yuan to scan the code at the merchant, you will need to pay a handling fee of 3.8 yuan. Of the 3.8 yuan, service providers (including offline acquiring and payment companies) pay 1.8 yuan, and Alipay and WeChat Tenpay pay 2 yuan.

Therefore, banks do not like the high share of online consumption of credit card cardholders. Banks provide cardholders with points for consumption by swiping cards, which is a behavior that encourages consumption, and banks have no money to earn when spending credit cards online. How does the bank issue points to cardholders?

Online consumption is the general trend, and banks cannot turn the tide. To win over customers' fear of losing customers, banks have to back down. Now many banks and major e-commerce companies have launched co-branded credit cards with online shopping points. But in general, there is still a big gap between feedback and offline points strength and discount.

Will it affect credit card withdrawals?

Credit card withdrawal amount, the bank mainly based on the cardholder's spending ability and repayment ability, and then objectively evaluate the cardholder's personal qualifications, card usage, consumption characteristics and other aspects.

Online purchases and e-commerce purchases by credit card can indeed affect the bank's progressive credit score for credit card cardholders. The main reason for the impact of credit card online consumption and e-commerce shopping is that the contribution of cardholders to the bank cannot be improved. Therefore, if the online consumption share is too high, it will affect the score of the credit card, which in turn affects the progress of the credit card limit.

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