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我是小彩虹，点击右上方【关注】，找我领取一份副业秘籍或自媒体运营课程。
每天为你分享【副业搞钱干货】、【个人提升】、【生活日常】以及【自媒体创业故事】，你想要的干货都会持续更新。”
文章是小彩虹本人原创，抄袭必究。
本文章共1699字
预计阅读时间4分钟，深度学习需要7分钟左右
哈喽，我是小彩虹
是不是2022才开始的时候就给自己立了一个富婆计划，
该做什么不该做什么，可是一直到现在年末了，还是该做的不做，
不该做的都做了，一无所有，眼看着今年马上就要过完了，
想着反正今年也就只剩这点了。
今年过了我再好好努力吧。如果你有这个想法就太危险了，
快点来改变吧，为时不晚！
1.养成储蓄的习惯
波多费舍尔说:“将每月收入的10%存入一个独立账户，这10%会让你变得富足。”有钱是一个人的底气，没钱会寸步难行。只有实时存钱才会在真正需要的时候，不至于一 无所有。
2.提高搞钱能力
人无远虑必有近忧，有钱人搞钱，不仅是确保当下的生活，还要对未来做好准备，所以，在财富积累的过程中永远也不要嫌钱少，要不断提升的搞钱能力。
3.增加被动收入
什么是被动收入?简而言之，就是在家躺着也会有送上1的收入。就算有一天我们不工作了，也能保证我们的生活。
4.买房子，以租养贷
房子作为一种固定资产，是当下很多人的追求，感觉有了房子才能心安，在一二线城市，房子的租金也很可观，所以房子仍然是我们可以首先考虑的。
5.理清自己的财务现状
当鲁滨逊从失事的船上游到岸边时，首先检查身上还有多少可用的枪支弹药和其他物品。确定这些信息后，他才能分析局面，为下一步做打算。所以，我们必须知道自己的现状。
6.做好财务计划
计划是重要的一环，可以让你知道应该做什么以及所做之事是否有助于抵达目的地。
7.评估自己的风险承受能力
每个人对风险的承受能力是不同的，有的人即使损失了一万块也不过是毛毛雨，而有的人丢了一块钱就感觉天塌下来了。所以我们需要对自己的风险承受能力进行评估，这样才能合理地搭建自己的投资框架。
8.养成良好的消费习惯做到先积累再消费
不要以为超前消费是“种很时髦的消费方式， 就-味地去满足自己的消费欲望。这样，你就会对支出数字渐渐麻木，等到自己负债累累，再后悔就晚了。
9.除非万不得已，不要借钱
人与人相处，也许在你开口借钱的时候，感情就荡然无存了。借一次钱，你就会知道，谁是真正关心你的人，谁是虚伪的人，谁是势利眼。
10.分散投资
不要把鸡蛋放在一个篮子里，意思是说，不要把所有的资金都投入到一件事情上，应该多做多手准备。这样万这个篮子打破了，也会有别的篮子的鸡蛋剩下。
11.对金钱要真正热爱
你只有真心爱钱，才会更容易赚到钱。其实搞钱就像谈恋爱一样，有些人口口声声找不到男朋友，实际上班的时候没有心思打扮、周末永远宅家不出门、朋友介绍还总是推辞，真的在等天上掉个男朋友给你?赚钱也是一样的，如果你对金钱本身就不敏感兴趣不浓，还怎样去赚钱呢?
12.不断提升认知
“我们所赚钱的钱都是知识的变现”。当人认知不足以与财富相匹配，那么赚到的财富很快就会失去，正所谓凭运气赚钱，凭实力亏光，所以我们都需要不断提升认知，不能停下学习的脚步呀!
13. 只关注对自己有用的事
一个人的精力在哪里，收获就在哪里。就算是平时刷手机，普通人关心的短视频明星娱乐八卦，而富婆大多关心比较能提升自己对自己有帮助的知识类或者财经新闻方面，这就是段位的差距了。
14.学会调节情绪
富婆从来不会用哭闹去解决问题，不会在婆婆妈妈絮絮叨叨的事情上浪费时间，虽然每个人都会有正常的喜怒哀乐，总会经历人生低谷难以自拔，富婆的做法是梳理好自己的情绪重新出发，还会把这一切当成奋斗的动力。心态好不矫情，做事雷厉风行，遇到问题第一时间冷静下来找到解决方案。
15.做好时间管理
太多人因为心比天高、梦想远大但缺少规划而一事无成。千万不要忽视时间管理的重要性，富婆总是会给自己设立好目标之后逐步拆分落实，按照需求列出年计划、月计划和每日工作清单，看似不太可能完成的事情变成一个小任务之后真的容易完成很多!
是不是看了之后觉得好像不一定是要从新的一年开始，现在就可以开始的，明明可以多存点钱为什么要留到明年呢？
不要让自己一直处于舒适圈，要勇敢的走出去，不断的挑战自己提升自己才能变得更强。
作者介绍： 【 小彩虹同学呀】
一个专注【副业搞钱干货】、【生活日常】、【个人提升】与【自媒体创业】的96后
擅长写治愈以及情感细腻的文章
喜欢写作很多年了，还会努力中
往期文章阅读：
–
小彩虹同学呀想对你们说：
我这一生最大的愿望就是
靠写作去证明自己的价值
想在文字领域获得更多人的喜欢
你的每个【点赞与转发】
是我努力的动力源泉
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这4个小生意，在生活中并不起眼，但老板们却能闷声发财
上一篇
2022年11月26日 pm5:28
未来5年，适合普通人赚钱的8个生意，未来会一一应验
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2022年11月26日 pm9:28
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#零成本如何挣些零花钱# 要想零成本挣些零花钱在当今时代并不是件很难的事，比如开通头条号做自媒体就可以做到零成本挣零花钱，基本上一部智能手机就可以开始做起来。 此外还有很多网上兼职…
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女生副业可以干点什么？你要悄悄赚钱，然后努力变成小富婆
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对于女生来说，有一个通病，就是收入永远满足不了支出。而且，现在人均工资越来越低，物价越来越高，很多女生都迫不及待的想找点副业，因为都知道，如果副业做得好，有可能超过自己的主业打工收…
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电话卡自动续费咪咕会员、邮箱服务，八旬老人被“偷偷”扣费15年张雨绮早年和陈冠希合照流出，看到照片，才知周星驰的眼光有多毒
近日，来自湖南的消费者张女士反映称，给外婆开的电话卡除了月租费用外，居然还有两个“不知情”的扣费业务，且已被自动扣费了15年，累计1750元。 对此，中国移动通信集团湖南有限公司岳…
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闲鱼卖什么比较赚钱，亲测有效
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现在的大环境下，赚钱越来越难，尤其又碰到全球疫情的大环境，更是雪上加霜，但是换个角度来说，每一次困难的背后总是隐藏着机遇，看你能不能把握住了。 能不能赚到钱，也得看你选择什么项目虽…
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一月份人们流量卡推荐 篇一：2024流量卡办理最新排行榜出炉！春节前办理流量卡，怎么才不亏？《孤舟》结局：看懂周知非被枪毙，才知道纪玉卿下场多惨！
作者：安娜不是卡神 安娜上周在全平台20万粉丝里，随机抽了10万人，一起参与评选“最好用的流量卡” ，经过一周的竞争，结果终于来了！ 这次，安娜纯纯当个中间人，保持一个客观公正的态…