第一步：储蓄
储蓄？大部分读者会质疑，这第一步也太平凡了。没错，致富的第一步就是储蓄，储蓄未必能成富翁，但不储蓄绝对成不了富翁的。对于大部分年轻人来说，水电房租、聚会、看电影、买新衣服……不知不觉似乎就没有了能储蓄的钱，那怎样才能存到钱呢？
不妨在每个月发工资时，计算好必须的支出后，将剩余资产的一部分立即进行银行定存或者基金定投。若能坚持实施，成效一定会令你大吃一惊。
第二步：记账
明明记得自己这个月只花了1400元，而钱包里却少了2600元，剩下那1200元哪里去了呢？仔细想想，时尚包包、超眩小饰品还有一顿必胜客……不经意间花的一些小钱，最终导致了财富的悄然“蒸发”。
要养成记账的好习惯，在看到自己的小账本后，聪明的女性会很清晰地判断出什么是必要的支出，什么是头脑发热后的浪费，而在今后消费时加以避免；或者使用信用卡，轻而易举地追查每一笔花销的来龙去脉，提醒自己开源节流。总而言之，了解自己在投资、储蓄与消费上的比例，才有助于平衡生活，同时作出明智的投资决定。
第三步：选对投资工具
每月投资5000元，多少年后能变成100万呢？若选择年投资回报率2％的定存方式需要15年；选择年投资回报率5％的基金，需要12年；选择年投资回报率10％的投资工具则只需要10年。可见，如果能选择正确的投资工具，那么无疑能大大加快致富的步伐，当然，希望取得高回报的同时，也应承担较大的投资风险。
在国内目前流行的理财工具中，主要以股票和基金为主，相对股票投资而言，投资基金将钱交给专家进行集合理财，省时省力。基金投资起点仅为1000元，那么也就是说，用1000元投资一只全A股市场的基金就相当于这1000元投资了全中国的企业。
Only 3 steps from the poor to the rich
The vigorous one " managed money matters " the whirlwind has already swept across the streets and lanes, no matter " just " the woman or " wealth " woman, it seems that there is a common objective of the struggle: For brighter life, learn to manage the wallet, become a rich woman.
The first step: The deposit? Most readers will query, this first step is peaceful and all too. Quite right, the first step getting rich is saving, the deposit may not necessarily become the rich man, but can not become rich man‘s absolutely without depositing money. To most young people, the rent of water and electricity, having a get-together, seeing the film, buying the new clothes ……Seem to have no money that can be saved unconsciously, how could then to deposit the money? Might as well while paying out wages each month, calculate well behind the necessary expenditure, carry on bank deposit definitely immediately a portion of surplus assets or fund shoot definitely. If can insist on implementation, the effect is sure to make you greatly surprised.
The second step: Have kept accounts and remembered only costing 1400 yuan this month of oneself obviously, but lacked 2600 yuan in the wallet, where has that 1200 yuan left gone? Think about it carefully, the fashion has a Pizza hut to charter the bag, very dizzy accessory ……Some stiver spent accidentally, has caused the " evaporating " quietly of wealth finally. Should form the good habit of keeping accounts, after seeing little one‘s own account book, it is the essential expenditure what clever women will judge very clearly, what is the waste after being impetuous, but avoid while consuming in the future; Or use the credit card, trace the ins and outs of every sum of cost easily, remind oneself to develop resources and reduce expenditures. In a word, understand oneself in invest, save and consume proportion that pay, just facilitate equilibrium life, make the wise investment decision at the same time.
The third step: Select, invest 5000 per month investment tool, what become 1 million after year? If choose taking 15 years to store the way definitely of 2% of annual rate of return on investment; Choose 5% of the funds of annual rate of return on investment, it takes 12 years; It only takes 10 years to choose 10% of the investment tools of annual rate of return on investment. It is obvious, if can choose the correct investment tool, can undoubtedly speed up the steps of getting rich greatly so, should undertake greater investment risk too certainly, while hoping to make the high repayment. In the domestic present popular tool for managing money matters, rely mainly on stock and fund, as to equity investment, the investment funds give the money to the expert to carry on the set to manage money matters, save time and save effort. The investment starting point of the fund is only 1000 yuan, that is to say, it is equivalent to that this 1000 yuan invest in the enterprises of the whole of China to invest a fund of the whole A stock market with 1000 yuan.
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