【ZZ】How to spend my life?

      Hello everybody. My name is Frances. I’m from Beijing Language and Culture University. I appreciate very much this opportunity to give you some of my ideas about how to manage personal “finance” problems. Since I do not major in finance nor do I have a business mind, so I don’t have much to say about this topic when you define it as a matter of money. But, according to my definition of finance, as they always say, time is money, so when you budget for life, you are actually dealing with Mr.Time. I do have a lot of ideas to share with you about doing this business.

      As George Bernard Shaw once said that “we have no right to consume wealth without producing it” Well, here is the biggest advantage time has , than all other forms of wealth, it never ask you to create. Every morning when you wake up, the most generous guy in the whole world Mr. Time will put 86,400 in you account. No more, no less. We all take it for granted. Maybe this “money” comes so easily that few of us are able to learn to appreciate it and treasure it. But it is not a case for my 82 year old grandma. After the cardiac operation, she always tells me that she thought everyday; every second is a profit that God gives her. I was shocked the first time I heard about it. But after I mull it over, I think these simplest words convey the biggest truth. Yesterday is a history, tomorrow is a mystery, and today is a gift, which is why we call it present! We need learn to treasure the time that has been given to us.

      Though time can’t be created, it indeed can be saved. Here comes the art of budgeting. Time is like the water in the sponge, you’ll always get much when you squeeze it. When we learn to do things more efficiently, we save time. When we learn to do things we like instead of wasting time on the task that we hate, we save the time. It’s just like spending the money on the right thing that is worth it. So that’s why I think sometimes it’s very important to become a quitter. I don’t mind to be a quitter in order to get out in a situation when there’s no value to be added, or when that value comes at the expense of something more important.

     The CEO of Apple once told the students at Stanford University that “Take everyday as the last day in your life, someday you’ll be right”. In history, no one really won the game in running a race against time, but those who at least tried to spend wisely every second the Mr.Time gives them and those who learn to manage this special personal finance, gain the lead in a race with other people.

      That’s all, thank you.