懂得积少成多也是一种本事
很多投资者总想一夜暴富，实际上，细水长流，极少成多，才是最适合普通投资者累积财富的办法。
节省，积少成多
台湾著名企业家蔡万霖在财务管理实践中具有很大的参考价值。她回忆道，小时候妈妈做饭，，她总是从定量大米中抓起一把米，把它放在一个小罐子里，随着时间的推移，节省了大量食物。当粮食不够，她就会从罐子里取出大米，解决紧迫的需要。这事件给蔡万霖，蔡万春兄弟深刻的启示。如果城里的家庭妇女每天都省一些零用钱，日积月累，钱会相当多。正是这种启示，使蔡氏兄弟创造了”幸福储蓄”运动，借此运动完成了他们的原始积累。
学会正确的花钱
想省钱？我们要学会如何花钱。寻找正确方法来花钱，可以既体面又经济。比如我们购买一台电脑，想省钱，买了一个组装机，看似节省了很多钱。这些组装机，几乎没有售后服务，当电脑有问题时，我们得付钱维修，维修电脑的费用并不便宜。最终，买组装电脑加上维修费用，可能已经远超一台品牌好又有维修服务的电脑。有时候，你看似省钱，其实并没有省钱。
赚更多现金
如果你有很多财富，但这些财富都不是现金流，这未必是一件好事。财富的形势有很多种，比如原材料是财富，房产是财富，但这是财富，随着时间推移，它可能缩水，更重要的是，类财富的流动性都很差。现金是流动性最好的财富形势，在如何市场它都可以进退自如。
本文来源： 大田环球贵金属
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