Episode 32 Short of Money
It was discussed by the whole family at the beginning. After taking this money, I always thought about how to maintain and increase the value of this money.
The family finances are divided into two parts. Chen Hongxia is in charge of the money from the store. In addition to borrowing two million to repay the loan in the first year, there is also a six million living medical fund, which has been managed by Xishan.
At first, the money was all in the bank and was still available for current purchases, which was not worth it. Many people told Xishan how to buy financial products.
But thinking that his son might have to use money at any time, Xishan didn't buy it, so he transferred the money into Yu'ebao and saw interest every day, which is also a kind of financial management.
Although the income of Yu'ebao at that time was not as good as that of that year, there were still 480 yuan a day for 6 million yuan, and a net income of more than 14,000 yuan a month. Even if the frying store loses money, the interest is enough for the family to live.
In the first two months, I didn’t dare to spend money randomly. I bought things for my son, rehabilitation, medical treatment, medicine and nutritional supplements, all of which were expensive. I heard that music can repair my brain, and I bought a piano, and I played all kinds of things and books. These were all in front of me.
Xishan used to buy lottery tickets. He felt that his son would have good fortune in the future, so he customized a set of numbers based on his family's birthday. He spent 100 yuan a week, which was not much of the interest, but he never won.
Then there are gifts for weddings and weddings. As many people have met, social engagements are indispensable in this regard. There are always wine twice a week.
This matter is also easy to bring back business. Besides, the son will have to be married and had children in the future, which is equivalent to temporary storage. Moreover, some people who serve wine have donated money, so they must go there and have to borrow gifts to repay the donated money.
But none of these three items touched the principal, the key is the latter.
At the end of the year when I opened the store, Xishan bought the three-bedroom, one living room and one living room and one-living house next door for one million yuan.
If a door is opened on the wall between the two sets, the family must be neatly arranged, and even if the son gets married in the future, he will live together.
Private lending is popular in n County. Many neighbors and friends who donated money to Ximen came to borrow money. Xishan used two million yuan, and in name, this part of the money increased to more than three million yuan. But in fact, many of the people who borrowed money ran away.
Again, donating money is considered fulfilling your promise:
Xishan has a scholarship fund for Ximen’s middle school, and invested 100,000 yuan a year. In addition, even if you hear that there are disasters in other places, you will donate. Monks and nuns come to the door and give them some rosary and Buddhist incense, and go to worship on the New Year holidays. In recent years, there are also bonuses for the top three college entrance examinations in counties and cities, which add up to nearly one million.
Another thing is to buy collections. Xishan met many bosses. He was taken to buy some raw jade stones and some wine. He bought a hundred boxes of Feitian Moutai alone at 53 degrees.
He also bought some paintings by middle-aged painters and tea sets and porcelain made by craftsmen.
The stones are usually placed under the shelf one by one, preparing to wait for their son to recover from illness before they can be opened.
The first thing is to invest in wine, and the second thing is to prepare some for your son when getting married in the future.
On the one hand, paintings and crafts are shown to your son, which may be helpful for brain recovery. On the other hand, they think that when your son grows up and those people die, these things must rise to heaven.
The price of those Moutai has increased. When I bought it, I bought it for 1,500 yuan and 12 bottles per box. This is 1.8 million yuan. Now this wine is 3,000 yuan per bottle, which means the price has doubled.
Finally, I spent money on decorating the dormitory for Ximen and buying various computers and equipment, and the living expenses and other expenses I gave to my son in recent years.
Another 500,000 was asked to help trade stocks four years ago, but after losing 300,000, I immediately stopped.
Let’s look at the store. Now there are two cars in one store, some inventory, and only one million working capital. Apart from the past six months, the business was pretty good before, but because the price was too low, it was often given away, and the employees who were raising them and their own living expenses, it was like this. I felt that I had no loss or profit.
If there is no store business and only deal with the expenses of the store and the family, it doesn’t matter if you have to collect peanuts in August.
But with the matter of this store, the pressure is immediately too great.
Chapter completed!