文 | 银行螺丝钉 （转载请注明出处） 同时，螺丝钉也将相关文章的完整内容，汇总成了一个PDF文档，方便大家保存。 长按识别下面二维码，添加 @课程小助手 微信，回复「 202503 」即可领取PDF文档。 （提示：回复后可以耐心等待几秒哦～） 大家有好的建议，也欢迎留言～ 新书发售 （1）《 《股市长线法宝》解读合集：克服市场波动、获得股票资产该有的收益 》 导读： 螺丝钉前段时间翻译了一本《股市长线法宝》。这是一本全球畅销30年的五星级好书。1994 年，第1版《股市长线法宝》出版后，在全球投资领域产生了巨大的影响力，被华盛顿邮报评 为"有史以来十大投资佳作"之一，也被巴菲特称为"价值连城的股票市场投资指南"。如今这本 全新第6版，作者更新了所有数据，比第一版多了将近30年的数据，另外还新增加了6大全新章 节。为了能让大家更通俗易懂的理解这本书里讲述的内容，螺丝钉也写了一系列的详细解读文 章，帮助大家阅读这本书。本文汇总了解读文章的链接，方便大家查阅。 热点问题 有朋友留言，希望螺丝钉把一些有数据、有知识、有指导方法的精华文章汇总出来，方便学 习。 如下，整理出了3月份的精华文章，点击对应的文章链接即可查 ...

Core Insights - Budgeting is a crucial aspect of personal and household financial management, enabling better control over spending, saving, and investing to achieve financial goals [1][20] - The article outlines the steps to create and manage a budget effectively, emphasizing the importance of understanding income and expenses [1][20] Income and Expenses - A budget is an estimation and planning of income and expenses over a certain period, helping individuals understand their financial situation and identify areas for cost savings [5] - Income sources include salaries, bonuses, investment income, and rental income [5] - Fixed expenses consist of mortgage payments, car loans, insurance, and tuition fees [6] - Variable expenses include food, entertainment, shopping, and transportation [7] Budgeting Process - Collecting financial information from the past few months, such as pay stubs, bills, and bank statements, is essential for establishing a budget [8] - Total income should be calculated by aggregating all income sources to avoid omissions [9] - Listing all expenses by categorizing them into fixed and variable expenses is necessary for budget creation [10] - Expenses should be classified into necessary and optional categories to prioritize spending [11] Budget Planning - A reasonable budget plan should be developed after understanding income and expenses, setting limits for each expense category to ensure total spending does not exceed total income [11] - Savings goals should be included in the budget, such as saving 10% of monthly income [12] Monitoring and Adjusting - Regular monitoring of actual spending against the budget is crucial, with monthly reviews and adjustments to accommodate changes and unexpected expenses [13][17] Budgeting Methods - Various budgeting methods are available, including: - Zero-based budgeting, where every income dollar is allocated to specific expenses or savings, ensuring the budget totals zero [13] - The 50/30/20 rule, which suggests allocating 50% of income to necessary expenses, 30% to optional expenses, and 20% to savings and investments [14] - Proportional budgeting, where spending is allocated based on income percentages [15] - The Envelope System, which involves using cash in envelopes for different spending categories to control expenses [16] Tools and Communication - Numerous applications and software, such as Mint and YNAB, can assist in budgeting and financial decision-making through automated tracking and data analysis [16] - Regular communication with family members about the budget is important for shared financial responsibility and consensus [20] Financial Goals and Habits - Setting short-term and long-term financial goals, such as debt repayment and retirement savings, can motivate adherence to the budget [18] - Developing good spending habits, such as rational consumption and price comparison, is essential for effective budget management [19]

大家好，我是银行螺丝钉，欢迎来到这期的螺丝钉带你读书。 「螺丝钉带你读书」也陪伴大家度过了三百多期，为大家讲解了很多有趣、经典的书籍和故 事，比如《三十几岁，财务自由》、《如何读一本书》、《战胜拖延症》等等。 还为大家详细介绍了几位投资大师：股神巴菲特、他的好搭档查理芒格和指数基金之父约翰博 格。分享了他们的人生经历、投资生涯和投资的理念。 大家可以点击下面链接查看部分螺丝钉带你读书合集： 《 世界读书日，螺丝钉送你103本私藏经典好书 》 实现财务自由的简单原则 最近螺丝钉看了一本新书，《简单致富-实现财务自由与富足人生的路线图》。 这本书介绍的，是实现财务自由，所需要遵循的简单原则。 原则1：不要高负债 债务，是自由人生的第一道枷锁。 背负高负债，人生的可能性也会减少。 财务自由不是拥有多少资产，而是保留对人生的选择权。 不过买房子，使用像公积金贷款等低成本的负债工具，也是合理的。 那房贷等负债 ，在多少比例以内比较合理呢？ 一般来说，月供在到手收入的30%以内比较合理；最高不要超过50%。 原则2： 提高储蓄率 每个月省下多少钱，用来储蓄或者定投，这就是储蓄率。 像有的投资大师，年轻的时候储蓄率能达到5 ...

这几天社区讨论特别热烈，你看这周的热榜，标题里没有个几百个达不溜都上不了榜。 一会E大挣多少多少钱，一会唐大挣多少多少钱 一会财务自由怎么怎么样，一会A8A9怎么怎么样 我就琢磨，是不是这波牛市持续时间太久了？ 这回调整了，消停点吧 a8到a9的路径 https://www.jisilu.cn/question/507310 财务自由后70后，如何消费用钱能使自己得到愉悦。 https://www.jisilu.cn/question/507336 资产到达A8的情况下，轻松解决社交问题 https://www.jisilu.cn/question/507470 请教大家100万如何做到1000万 https://www.jisilu.cn/question/507405 关注集思录微信 特别提示 本文不构成任何投资建议，仅为信息分享。任何因本文导致的投资行为发生的亏损，本公众号及作 者概不承担任何责任。 集思录(www.jisilu.cn)是一个以数据为本的投资理财社区，专注于新股、可转债、债券、封闭基金 等数据服务。我们的理念是在保证本金安全的前提下，使资产获得稳健增长。 快捷查询： 搜索公众号"jisi ...

Core Viewpoint - The article discusses how individuals, particularly those who have achieved financial freedom, can find joy and fulfillment through various means of spending and experiences rather than material possessions alone [1][10]. Group 1: Financial Freedom and Spending - Individuals should invest in a satisfactory home, especially in first-tier cities, which may cost no less than 20 million [2]. - Annual spending on personal training for health and well-being is suggested to be around 100,000 to 200,000 [2]. - Engaging in charitable acts, such as donating to local causes or sponsoring students, can provide a sense of fulfillment [6][12]. Group 2: Personal Experiences and Joy - The joy derived from financial freedom is subjective and varies from person to person, with some finding happiness in simple pleasures like gardening or cooking [14][15]. - Traveling and experiencing different cultures is highlighted as a way to enrich life and create lasting memories [11][16]. - Engaging in community activities, such as supporting local markets or helping neighbors, can enhance social connections and personal satisfaction [3][4].