Consumption accounts for a large part of our life, and the needs of food, clothing, housing and transportation can only be met by spending money. Nowadays, more and more attention is paid to rational consumption, and everyone hopes to establish a healthy consumption concept and achieve rational consumption. When it comes to rational consumption, many people may have the impression that women especially like to spend money. Therefore, some people joked that Ma Yun can become the richest man because there are hundreds of millions of black sheep behind him.

Women are indeed the main force of online consumption, so in the e-commerce industry, there is a saying that women get the world. As you can see, whenever there is a Spring Festival holiday, advertisements to please women are everywhere on the Internet. These advertisements are so tempting that women can't wait to control their consumption impulses.

Today, I will talk to you about how to hold your hand, that is, how to manage your finances. After all, no one's money is blown by the wind. The first step in financial management is to figure out how to spend money efficiently and correctly.

Don't worry, this is not to ask everyone to lower their living standards, nor to curb their desire for consumption. Those are anti-human practices and may not last long. Let's talk about the scientific truth first. You will find that rational consumption can be very comfortable and decent, and even the more you spend, the richer you get.

The following contents mainly focus on three knowledge points:

First, when people spend money, they should classify all kinds of consumption according to their own needs, so that they can decide whether to spend money or not and how much to spend according to their importance;

Second, when you spend money, you should pay attention to the difference between consumer consumption and investment consumption, because some consumption can make you richer and richer;

Third, when spending money, we should pay attention to the fact that many commodities have the function of preserving and increasing value in addition to consumption. It is a wealth management product in itself, and such a product is worth consuming.

Say the first knowledge point first, classify your own consumption, and then allocate funds according to the importance.

Speaking of this topic, we will briefly introduce a famous theory, namely Maslow's hierarchy of needs theory.