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Li Ka-Shing teaches you how to buy

a car & house in 5 years
By Guest
Hong Kong billionaire Li Ka-Shing shares some of his money wisdom,
outlining an inspirational five-year plan to improve ones lot in life
This article is translated from the original Chinese by Edmund Ng at
Suppose your monthly income is only RMB 2,000, you can live well. I can help
you put money into five sets of funds. The first $00, second $!00, third $"00,
fourth $200, fifth $#00.
The first set of funds is used for livin$ e%penses. It&s a simple way of livin$ and
you can only 'e assi$ned to less than twenty dollars a day. ( daily 'rea)fast of
vermicelli, an e$$ and a cup of mil). *or lunch +ust have a simple set lunch, a
snac) and a fruit. *or dinner $o to your )itchen and coo) your own meals that
consist of two ve$eta'les dishes and a $lass of mil) 'efore 'edtime. *or one
month the food cost is pro'a'ly $#00,$00. -hen you are youn$, the 'ody will
not have too many pro'lems for a few years with this way of livin$.
Second set of funds. To ma)e friends, e%pand your interpersonal circle. This will
ma)e you well off. /our phone 'ills can 'e 'ud$eted at RMB 000. /ou can 'uy
your friends 2 lunches a month, each at $0#0. -ho should you 'uy lunch for1
(lways remem'er to 'uy lunch for people who are more )nowled$ea'le than
you, richer than you or people who have helped you in your career. Ma)e sure
you do that every month. (fter one year, your circle of friends should have
$enerated tremendous value for you. /our reputation, influence, added value will
'e clearly reco$ni2ed. /ou&ll also enhance your ima$e of 'ein$ $ood and
Third set of funds. To learn. Monthly spend a'out RMB #0 to RMB 000 to 'uy
'oo)s. Because you don&t have a lot of money, you should pay attention to
learnin$. -hen you 'uy the 'oo)s, read them carefully and learn the lessons and
strate$ies that is 'ein$ tau$ht in the 'oo). 3ach 'oo), after readin$ them, put
them into your own lan$ua$e to tell the stories. Sharin$ with others can improve
your credi'ility and enhance the affinity. (lso save up $200 per month to attend a
trainin$ course. -hen you have hi$her income or additional savin$s, try to
participate in more advanced trainin$. -hen you participate in $ood trainin$, not
only do you learn $ood )nowled$e, you also $et to meet li)e,minded friends who
are not easy to come 'y.
*ourth set of funds. 4se it for holidays overseas. Reward yourself 'y travelin$ at
least once a year. 5ontinue to $row from the e%perience of life. Stay in youth
hostels to save cost. In a few years you would have travelled to many countries
and have different e%periences. 4se that e%perience to rechar$e yourself so that
you&ll continually have passion in your wor).
*ifth set of funds. Invest. Save the $#00 in your 'an) and $row it as your initial
startup capital. The capital can then 'e used to do a small 'usiness. Small
'usiness is safe. 6o to wholesalers and loo) for products to sell. 3ven if you lose
money, you will not lose too much money. 7owever, when you start earnin$
money, it will 'oost your confidence and coura$e and have a whole new learnin$
e%perience of runnin$ a small 'usiness. 3arn more and you can then 'e$in to
'uy lon$,term investment plans and $et lon$,term security on your financial
wealth 'ein$ of yourself and your families. So that no matter what happens, there
will 'e ade8uate funds and the 8uality of life will not decline.
-ell, after stru$$lin$ for a year and if your second year salary is still RMB 2,000,
then that means you have not $rown as a person. /ou should 'e really ashamed
of yourself. 9o yourself a favour and $o to the supermar)et and 'uy the hardest
tofu. Ta)e it and smash it on your head 'ecause you deserve that.
If your monthly income is at RMB ",000, you must still wor) very hard. /ou must
try to find a part time +o'. It will 'e $reat to find part time sales +o's. 9oin$ sales
is challen$in$, 'ut it is the fastest way for you to ac8uire the art of sellin$ and this
is a very deep s)ill that you will 'e a'le to carry it for the rest of your career. (ll
successful entrepreneurs are $ood sales people. They have the a'ility to sell
their dream and visions. /ou&ll also meet many people that will 'e of value to you
in the later part of your career. :nce you&re in sales, you will also learn what sells
and what not. 4se the sensitivity of detectin$ mar)et sentiments as a platform for
runnin$ your 'usiness and in the identification of product winners in the future.
Try to 'uy minimal clothes and shoes. /ou can 'uy them all you want when
you&re rich. Save your money and 'uy some $ift for your loved ones and tell them
your plans and your financial $oals. Tell them why you are so thrifty. Tell them
your efforts, direction and your dreams.
Businessmen everywhere need help. :ffer yourself to do part time for any )ind of
opportunities. This will help to hone your will and improve your s)ills. /ou will
start to develop elo8uence and soon, you&ll 'e closer to your financial $oals. By
the second year, your income should 'e increased to at least RMB #,000.
Minimum it should 'e RMB ",000, otherwise you would not 'e a'le to )eep up
with inflation.
;o matter how much you earn, always remem'er to divide it into five parts
proportionately. (lways ma)e yourself useful. Increase your investment in
networ)in$. -hen you increase your social investment, e%pand your networ) of
contacts, your income also $rows proportionately. Increase your investment in
learnin$, stren$then your self confidence, increase investment in holidays,
e%pand your hori2ons and increase investment in the future, and that will
ultimately increase your income.
Maintain this 'alance and $radually you will 'e$in to have a lot of surplus. This is
a virtuous circle of life plans. /our 'ody will start to $et 'etter and 'etter as you
$et more nutrition and care. *riends will 'e aplenty and you will start to ma)e
more valua'le connections at the same time. /ou will then have the conditions to
participate in very hi$h,end trainin$ and eventually you&ll 'e e%posed to 'i$$er
pro+ects, 'i$$er opportunities. Soon, you will 'e a'le to $radually reali2e your
various dreams, the need to 'uy your own house, car, and to prepare an
ade8uate education fund for your child&s future.
<ife can 'e desi$ned. 5areer can 'e planned. 7appiness can 'e prepared. /ou
should start plannin$ now. -hen you are poor, spend less time at home and
more time outside. -hen you are rich, stay at home more and less outside. This
is the art of livin$. -hen you are poor, spend money on others. -hen you&re rich,
spend money on yourself. Many people are doin$ the opposite.
-hen you are poor, 'e $ood to others. 9on&t 'e calculative. -hen you are rich,
you must learn to let others 'e $ood to you. /ou have to learn to 'e $ood to
yourself 'etter. -hen you are poor, you have to throw yourself out in the open
and let people ma)e $ood use of you. -hen you are rich, you have to conserve
yourself well and don&t let people easily ma)e use of you. These are the intricate
ways of life that many people don&t understand.
-hen you are poor, spend money so that people can see it. -hen you are rich,
do not show off. =ust silently spend the money on yourself. -hen you are poor,
you must 'e $enerous. -hen you are rich, you must not 'e seen as a
spendthrift. /our life would have come full circle and reach its 'asics. There will
'e tran8uility at this sta$e.
There is nothin$ wron$ with 'ein$ youn$. /ou do not need to 'e afraid of 'ein$
poor. /ou need to )now how to invest in yourself and increase your wisdom and
stature. /ou need to )now what is important in life and what is worth investin$ in.
/ou also need to )now what you should avoid and not spend your money on.
This is the essence of discipline. Try to avoid spendin$ money on clothin$, 'ut
'uy a selective num'er of items that have class. Try to eat less outside. If you
were to eat outside, do ma)e sure you 'uy lunches or dinners and foot the 'ill.
-hen 'uyin$ people dinner, ma)e sure you 'uy dinners for people who have
'i$$er dreams than you, and wor) harder than you.
:nce your livelihood is no lon$er an issue, use the remainder of your money to
pursue your dreams. Spread your win$s and dare to dream> Ma)e sure you live
an e%traordinary life>
*amous theory from 7arvard. The difference of a person&s fate is decided from
what a person spends in his free time 'etween 20.00 to 22.00 . 4se these two
hours to learn, thin) and participate in meanin$ful lectures or discussion. If you
persist for several years, success will come )noc)in$ on your doors.
;o matter how much you earn, remem'er to split your salary into five parts. Ta)e
care of your 'ody so that it will still 'e in $ood shape. Invest in your social circle
so that you will constantly meet new people where you can learn new )nowled$e
from. 3%pandin$ your networ) will also have an important impact in how much
you earn eventually. Travel every year and e%pand your hori2ons. (lso )eep
a'reast with the latest developments in the industry. If you follow this plan
dili$ently, you will soon see 'i$ surplus in your funds.
-hatever happened in the past is over. 9o not dwell on past mista)es. There&s
no point cryin$ over spilt mil). 3very'ody ma)es mista)es. It&s what you learn
from the mista)es, and promisin$ yourself not to repeat those mista)es that
matters. -hen you miss opportunities, don&t dwell on it, as there are always new
opportunities on the hori2on.
Bein$ a'le to smile when 'ein$ sli$htly misunderstood is $ood up'rin$in$. -hen
you&re wron$ed and you smile with calmness, it is $enerosity. -hen you&re 'ein$
ta)en advanta$e of and you can smile, you&re 'ein$ open,minded. -hen you are
helpless and you can do a philosophical smile, you&re in a calm state. -hen
you&re in distress and you can lau$h out loud, you&re 'ein$ $enerous. -hen
you&re loo)ed down and you can calmly smile, you&re 'ein$ confident. -hen
you&re 'ein$ +ilted in relationships and you can smile it off, you&re 'ein$ suave.
There are many people who are stru$$lin$ to ma)e ends meet. It doesn&t matter
if you are rich or poor. There are lessons for all to learn from <i ?a Shin$.

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