It turns out that saving money is really addictive.
When I save 5w, I think, when can I save 10w?
When I save 10w, I think that 20w should not be far away.
My husband and I saved up little by little in these expectations.
I don't feel pain, but I am happy and fulfilled.
Watching the deposit number increase little by little, a little closer to our goal, is like a chicken blood, motivating us to work harder to make money and save harder.
I actually quite like it.
In the words of my husband, I wake up every day and have a lot of energy.
It turns out that it is easier to save money using this formula "income - savings = expenses".
A slight change in the order in which money is managed can be amazing.
My husband and I used to put the money in our salary card stupidly after we got our income, spend it until the next payroll, and save it if there was any surplus.
But the reality is often cruel, and the poor little income is left without flowers.
Therefore, I worked for several years and did not save any money, not even the money for marriage.
Now we've learned that as soon as we get it, we save it and use the rest of it to spend.
When it comes to the review and summary at the end of the year, there are often surprises.
It turns out that we can save a lot more money than we imagined.
In addition to changing the order of saving and spending, we have also taken the bookkeeping and review more seriously.
In the past, bookkeeping was just bookkeeping, and budgeting became an ornament.
After researching how to save money, I started to seriously review my monthly bills.
Fixed expenses, without affecting the use, can be reduced.
Flexible spending is to reduce as much as possible the expenditure that can be spent or not that does not affect the quality of life.
Then I found that we had a higher income before buying a house, but after buying a house, we had a high mortgage payment, but we saved more money.
Therefore, money is earned, but also saved.
If you don't get into the Xi of saving money, no matter how much money you make, you won't necessarily have a deposit.
It turns out that we can spend very little money to live a comfortable life.
After we started researching saving money, we took life more seriously.
We are the kind of ordinary people who don't have much money, but are a little idle.
Then make good use of this free time and try to do something yourself.
For example, cooking by yourself not only eats better, but also costs less.
Another example is to clean your home frequently, so that your body and mind can relax and at the same time, you may also have good luck.
For example, going to bed early has a stronger beauty effect than lady's skin care products.
There's no way to turn this spare time into money, so use it to make yourself healthier.
It turns out that after having a clear goal, the desire to consume will really automatically decrease.
We save money to pay off the mortgage as soon as possible, then renovate the house, and finally achieve retirement freedom.
The most awaited thing is the freedom of retirement.
Thinking of this freedom, buying fewer clothes and eating less food is all sweet.
In front of the goal, it is clear which is more important and which is more important.
It turns out that after saving money, a lot of waste will be reduced.
After researching and saving money, I went through all the food, clothing, housing and transportation, re-understood myself, and reduced a lot of waste.
I found that I especially like shopping, and every time I go shopping, I am prone to impulsive purchases, and I often can't stand the sales pitch of the clerk.
I also found that a lot of the clothes I bought were not properly worn, and the food I bought was put ...... expired
Recognizing these problems, I reduced the number of times I went shopping in my free time, and I also set the consumption principle for clothes, daily necessities, and food.
Slowly develop new Xi, new lifestyle, greatly reduce the frequency of shopping waste.
I can say that after I started saving money, my life changed dramatically.