Hello everyone, I'm Xiaoxiao.
I'm just 30 years old this year, and I regret that I didn't save money before I turned 30.
Why?
Before the age of 30, I was single, spending money like water, and I bought whatever I wanted without blinking.
Now I am old and young, and I still have a mortgage every month, so I have to say that I am a bit stressed now.
Even though I now have a stable job, my monthly expenses are still a lot of money.
I also use my spare time to seek other side projects to earn milk powder money for my children, which is only a mother's hard work.
I always want to leave the best for my children, and it doesn't matter if I am bitter or tired.
At just 30 years old, I understand more and more the importance of having a deposit.
Since I started saving money minimalistly, I have found that these few words must be listened to less, it can allow us to save an extra 350,000 yuan a year.
Adult security comes from money. So, let's save hard!
One, everyone else does it, and I should do the same
In our lives, we often hear such words. Some people will blindly follow the trend because they see someone else buying a certain brand of mobile phone or clothes.
Today, I saw someone else buy an Internet celebrity dress, and you think it looks good, so you want to buy it too. This herd mentality can easily lead us to overconsumption and even go into debt.
Each of us has different needs and goals, and it is not necessary that you will do what others do.
Two: The most important thing is to enjoy the moment
Some people think that life is too short and the most important thing is to enjoy the moment, and while this concept can make us feel the beauty of life, overconsumption can often lead us to financial hardship.
Enjoying the moment doesn't have to be just about spending money, we can go to the park, hike with friends, and bask in the sun......
In life, we buy according to our needs, do not consume in advance, do not waste excessively, only in this way can we save money.
What's more, the premise of enjoyment is to have money, so don't enjoy it blindly if you don't have money.
3. Girls are kind to themselves
This sentence sounds very warm, but after thinking about it carefully, you will find that this is the routine of merchants selling things and making you pay for them.
A few days ago, when I went to the mall, I fell in love with a down jacket for 1500 yuan, and I tried it on and thought it was good, so I was hesitant to buy it.
The staff said: Girls should buy some for themselves, and buy a piece of *** clothes that can be worn for several years.
I listened to the words of the staff and spent money to buy this dress, I have to say that these staff are too good at manipulating people's psychology.
Girls are good to themselves, not only for simple material enjoyment, but also for the pursuit of peace in the inner world. For example, cooking food, reading books, learning to edit, ......
Fourth, money is earned, not saved
In life, I often hear the saying that people who can spend money will definitely make money.
Don't be fooled by this chicken soup, everyone is an ordinary person, and the income channel is not only single, but also the income ** is also very low.
If we don't have Jack Ma's business acumen, then let's save honestly, and save a little more.
Even if you have 100,000 yuan a month, if you spend money like water and don't know how to save, the money is still not enough to spend every month.
Again, money is earned and saved.
5. Buy early and enjoy early
Every year, during the Double 11 event and the 618 Shopping Festival, many merchants use discounts and coupons to promote sales. Don't be fooled by these promotions.
The principle of our buying is this: whether we need it or not.
If you really need it, buy it;If you're not sure if you need it, it's best to calm down and think about whether to buy it. In many cases, after we calm down, we feel that that thing is not important.
30-year-old minimalist living is a rational, healthy and sustainable way of life.
In our daily life, we can listen to these 5 sentences less, so that we can save an extra 350,000 yuan a year.