Suppose your monthly income is only RMB 2,000, you can live well. I can help you put money into five sets of funds. The first $600, second $400, third $300, fourth $200, fifth $500.
The first set of funds is used for living expenses. It’s a simple way of living and you can only be assigned to less than twenty dollars a day. A daily breakfast of vermicelli, an egg and a cup of milk. For lunch just have a simple set lunch, a snack and a fruit. For dinner go to your kitchen and cook your own meals that consist of two vegetables dishes and a glass of milk before bedtime. For one month the food cost is probably $500-$600. When you are young, the body will not have too many problems for a few years with this way of living.
Second set of funds: To make friends, expand your interpersonal circle. This will make you well off. Your phone bills can be budgeted at RMB 100. You can buy your friends 2 lunches a month, each at $150. Who should you buy lunch for? Always remember to buy lunch for people who are more knowledgeable than you, richer than you or people who have helped you in your career. Make sure you do that every month. After one year, your circle of friends should have generated tremendous value for you. Your reputation, influence, added value will be clearly recognized. You’ll also enhance your image of being good and generous.
Third set of funds: To learn. Monthly spend about RMB 50 to RMB 100 to buy books. Because you don’t have a lot of money, you should pay attention to learning. When you buy the books, read them carefully and learn the lessons and strategies that is being taught in the book. Each book, after reading them, put them into your own language to tell the stories. Sharing with others can improve your credibility and enhance the affinity. Also save up $200 per month to attend a training course. When you have higher income or additional savings, try to participate in more advanced training. When you participate in good training, not only do you learn good knowledge, you also get to meet like-minded friends who are not easy to come by.
Fourth set of funds: Use it for holidays overseas. Reward yourself by traveling at least once a year. Continue to grow from the experience of life. Stay in youth hostels to save cost. In a few years you would have travelled to many countries and have different experiences. Use that experience to recharge yourself so that you’ll continually have passion in your work.
Fifth set of funds: Invest. Save the $500 in your bank and grow it as your initial startup capital. The capital can then be used to do a small business. Small business is safe. Go to wholesalers and look for products to sell. Even if you lose money, you will not lose too much money. However, when you start earning money, it will boost your confidence and courage and have a whole new learning experience of running a small business. Earn more and you can then begin to buy long-term investment plans and get long-term security on your financial wealth being of yourself and your families. So that no matter what happens, there will be adequate funds and the quality of life will not decline.
Well, after struggling for a year and if your second year salary is still RMB 2,000, then that means you have not grown as a person. You should be really ashamed of yourself. Do yourself a favour and go to the supermarket and buy the hardest tofu. Take it and smash it on your head because you deserve that.
If your monthly income is at RMB 3,000, you must still work very hard. You must try to find a part time job. It will be great to find part time sales jobs. Doing sales is challenging, but it is the fastest way for you to acquire the art of selling and this is a very deep skill that you will be able to carry it for the rest of your career. All successful entrepreneurs are good sales people. They have the ability to sell their dream and visions. You’ll also meet many people that will be of value to you in the later part of your career. Once you’re in sales, you will also learn what sells and what not. Use the sensitivity of detecting market sentiments as a platform for running your business and in the identification of product winners in the future.
Try to buy minimal clothes and shoes. You can buy them all you want when you’re rich. Save your money and buy some gift for your loved ones and tell them your plans and your financial goals. Tell them why you are so thrifty. Tell them your efforts, direction and your dreams.
Businessmen everywhere need help. Offer yourself to do part time for any kind of opportunities. This will help to hone your will and improve your skills. You will start to develop eloquence and soon, you’ll be closer to your financial goals. By the second year, your income should be increased to at least RMB 5,000. Minimum it should be RMB 3,000, otherwise you would not be able to keep up with inflation.
No matter how much you earn, always remember to divide it into five parts proportionately. Always make yourself useful. Increase your investment in networking. When you increase your social investment, expand your network of contacts, your income also grows proportionately. Increase your investment in learning, strengthen your self confidence, increase investment in holidays, expand your horizons and increase investment in the future, and that will ultimately increase your income.
Maintain this balance and gradually you will begin to have a lot of surplus. This is a virtuous circle of life plans. Your body will start to get better and better as you get more nutrition and care. Friends will be aplenty and you will start to make more valuable connections at the same time. You will then have the conditions to participate in very high-end training and eventually you’ll be exposed to bigger projects, bigger opportunities. Soon, you will be able to gradually realize your various dreams, the need to buy your own house, car, and to prepare an adequate education fund for your child’s future.
Life can be designed. Career can be planned. Happiness can be prepared. You should start planning now. When you are poor, spend less time at home and more time outside. When you are rich, stay at home more and less outside. This is the art of living. When you are poor, spend money on others. When you’re rich, spend money on yourself. Many people are doing the opposite.
When you are poor, be good to others. Don’t be calculative. When you are rich, you must learn to let others be good to you. You have to learn to be good to yourself better. When you are poor, you have to throw yourself out in the open and let people make good use of you. When you are rich, you have to conserve yourself well and don’t let people easily make use of you. These are the intricate ways of life that many people don’t understand.
When you are poor, spend money so that people can see it. When you are rich, do not show off. Just silently spend the money on yourself. When you are poor, you must be generous. When you are rich, you must not be seen as a spendthrift. Your life would have come full circle and reach its basics. There will be tranquility at this stage.
There is nothing wrong with being young. You do not need to be afraid of being poor. You need to know how to invest in yourself and increase your wisdom and stature. You need to know what is important in life and what is worth investing in. You also need to know what you should avoid and not spend your money on. This is the essence of discipline. Try to avoid spending money on clothing, but buy a selective number of items that have class. Try to eat less outside. If you were to eat outside, do make sure you buy lunches or dinners and foot the bill. When buying people dinner, make sure you buy dinners for people who have bigger dreams than you, and work harder than you.
Once your livelihood is no longer an issue, use the remainder of your money to pursue your dreams. Spread your wings and dare to dream! Make sure you live an extraordinary life!
Famous theory from Harvard: The difference of a person’s fate is decided from what a person spends in his free time between 20:00 to 22:00 . Use these two hours to learn, think and participate in meaningful lectures or discussion. If you persist for several years, success will come knocking on your doors.
No matter how much you earn, remember to split your salary into five parts. Take care of your body so that it will still be in good shape. Invest in your social circle so that you will constantly meet new people where you can learn new knowledge from. Expanding your network will also have an important impact in how much you earn eventually. Travel every year and expand your horizons. Also keep abreast with the latest developments in the industry. If you follow this plan diligently, you will soon see big surplus in your funds.
Whatever happened in the past is over. Do not dwell on past mistakes. There’s no point crying over spilt milk. Everybody makes mistakes. It’s what you learn from the mistakes, and promising yourself not to repeat those mistakes that matters. When you miss opportunities, don’t dwell on it, as there are always new opportunities on the horizon.
Being able to smile when being slightly misunderstood is good upbringing. When you’re wronged and you smile with calmness, it is generosity. When you’re being taken advantage of and you can smile, you’re being open-minded. When you are helpless and you can do a philosophical smile, you’re in a calm state. When you’re in distress and you can laugh out loud, you’re being generous. When you’re looked down and you can calmly smile, you’re being confident. When you’re being jilted in relationships and you can smile it off, you’re being suave.
There are many people who are struggling to make ends meet. It doesn’t matter if you are rich or poor. There are lessons for all to learn from Li Ka Shing.
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假设你的月收入只有 2000 元，你也可以过得很好。我帮你把钱分成五份。第一份 600 元，第 二份 400 元，第三份 300 元，第四份 200 元，第五份 500 元。
第一份，用来做生活费。这么少的生活费，每天只能够分到十几元。早餐一份煮米丝，一个鸡 蛋，一杯豆浆。中餐一份快餐，一个水果。晚餐自己开个小灶，煮点 饭，加俩菜，睡前一杯 奶。这样一月的伙食大概是 500-600。不过，如果你还年轻，身体暂时还没有太多问题，这样 的食谱，够你数年内不会有健康问题。
第二份，用来交朋友，扩大你的人际圈。这就宽裕了。你的电话费可以用掉 100 元。每个月 可以请客两次，每次 150 元。请谁呢？记住，请比你有思想的人，比 你更有钱的人，和你需 要感激的人。每个月，坚持请客，一年下来，你的朋友圈应该已经为你产生价值了，你的声望、 影响力、附加价值正在提升，形象又好，又大 方。
第三份，用来学习。每个月可以有 50 元—100 元用来买书。钱不多，买的书就要认真阅读， 学会学了就用的精神。每一本书，看完后，就把它变成自己的语言讲 给别人听，与人分享可 以提高你的信誉度，并且，提升亲和力。另外的 200 元存起来，每一个月参加一次培训。从 不间断。等收入高一些了，或者有额外的积蓄， 就参加更高级的培训。参加好的培训，既可 以免费结交志同道合的朋友，又可以学习平时难以领悟的道理。
第四份，用于旅游，一年奖励自己旅游至少一次。生命的成长来自不断地历练。参加那种自由 行的旅游，住进青年旅社，地球其实并不大，每年都出门，几年下来，就可以把红旗插到地图 上，许多美好的回忆，成为生命的动力，更加有热情和能量，去投入工作。
第五份，用来投资。先存起来，也可以用来做进货的本钱，小本生意很安全，去批发点产品来 卖，亏了反正也不多，赚呢，既赚了金钱，又赚了自信和胆量，还赚来 做事情的阅历。赚的 钱多了，就可以开始购买长期的投资计划，使自己提早获得一份长久的保障，保证自己和家人 在将来，不论发生什么事情，都有一份充足的资金 来照顾，生活品质不会下降。
好了，这样熬了一年，第二年如果你还在拿 2000 元的收入，那就是你的不是了，这么不长进， 活着也够丢脸的，看看有什么品牌的豆腐比较硬，买一点来，用头去撞吧。
月收入在 3000 元以下的，一定要兼职赚钱，不要穷，还很有个性，挑三拣四的，这个不愿意 做，那个没有兴趣。收入不高，一定要非常勤奋，尽量去找跟销售有关的工作，销售等。这就 是很不错的兼职工作，既可以认识很多有价值的人，又可以锻炼自己的信息收集能力和营销技 巧。
衣服啊，鞋子啊，这一年你是得尽量少买了。最好全部通过你的兼职赚的钱去买。当作奖励自 己的一种方式。额外多赚钱的时候，记得买个礼物给你的爱人，谢谢他/她支持你的财务计划。 很坦诚地告诉他/她，为何你那么勤俭，告诉他/她你的梦想和努力的方向。
到处都有需要帮助的生意人，兼职帮他们做点事情，去磨练自己的意志、口才、和工作能力吧， 加上你的理财技巧，第二年，你的收入至少要增加到 5000 元。最低也应该是 3000 元，否则 你收入的成长还赶不上通货膨胀呢。
无论你的收入是多少，记得分成五份。增加对身体的投资，让身体始终好用，增加对社交的投 资，扩大你的人脉，增加对学习的投资，加强你的自信，增加对旅游的投资，扩大你的见闻， 增加对未来的投资，增加你的收益。
保持这种平衡，逐渐你就会开始有大量的盈余。这是一个良性循环的人生计划。身体将越来越 好，得到更多的营养和照顾。朋友会越来越多，存储许多有价值的人脉 关系，同时，你也有 条件参加那些非常高端的培训，使自己各方面的羽翼丰满，思维宽阔，格局广大，性格和谐。 而你，也就能够逐渐实现自己的各种梦想，购买自 己的需要的房子、车子，并且给未来的孩 子准备一笔充足的教育基金。
人生是可以设计的，生涯是可以规划的，幸福是可以准备的。现在就可以开始。在你穷的时候， 要少在家里，多在外面。在你富有的时候，要多在家里，少在外面。这就是生活的艺术。穷的 时候，钱要花给别人，富的时候，钱要花给自己。很多人，都做颠倒了。
穷的时候，不要计较，对别人要好。富的时候，要学会让别人对自己好。自己对自己更好。穷 要把自己贡献出去，尽量让别人利用。富，要把自己收藏好，小心别让别人随便利用。这些奇 妙的生活方式，是很少人能够明白的。
穷的时候，花钱给别人看。富的时候，花钱给自己享受。穷的时候一定要大方，富的时候，就 不要摆阔了。生命已经恢复了简单，已经回到了宁静。
年轻不是过错，贫穷无需害怕。懂得培养自己，懂得什么是贵重物品，懂得该投资什么，懂得 该在哪里节约，这是整个过程的关键。别乱买衣服，少买一点，但是可以买几件很有品味的。 少在外面吃饭，要吃就请客，要请，就请比自己更有梦想的、更有思想、更努力的人。
一旦生活需要的钱已经够了，最大的花费，就是用你的收入，完成你的梦想，去放开你的翅膀 大胆地做梦，去让生命经历不一样的旅程。
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Ref: http://mirror.e27.co/li-ka-shing-teaches-buy-car-house-5-years/ http://www.ceoconnectz.com/lessons-from-li-ka-shing.pdf
local pdf: lessons-from-li-ka-shing.pdf