How to save money, how to take the first step?
Let's talk about myself, in the beginning, I just saved more, bought less clothes, bought less food, and went to spend less money to play. The consequence of this is that you will live a miserable life, and you will feel pitiful, and you will not be able to eat, wear, or have fun. Later, I thought about it for a while, I should buy it, I should eat it, I should play it, and I didn't save it.
But when the baby's grandmother was sick and hospitalized in 2012, she even borrowed 20,000 yuan from the baby's 2,000 New Year's money, and suddenly felt that the old man was old and it was time to save money, otherwise he would not even have the money to save his life when he was sick. So after the incident, I set up a bank card, and I will deposit a sum every month or when I have money, although it is not much, but I am also happy to watch the balance slowly increase.
Later, with Alipay, I deposited the money in Yue Bao, a small money bag, which lasted for five or six years. Later, with WeChat change pass, I also tried to deposit it, and I would also put the money into WeChat Alipay financial management.
In the first two years, my colleague told me that I could deposit money and transfer money in mobile banking, and I deposited money in mobile banking, and I also tried the 365 savings method and the 52-week savings method, but I died due to lack of stamina and lack of money. My favorite was the 12-month deposit method, but I thought 12 months was too long and I couldn't wait, so I changed to 6 months. This is a short-term cycle of saving, which is a great sense of accomplishment. With this revelation, I also made the mortgage in this form, so that I don't have to worry about having no money to repay the loan in an emergency month, and I also have a few dollars of income every month, which is much better than a current account.
But I have a bad problem, I don't know how to keep accounts, and even if I do, I won't review like what is said on the Internet, so for me bookkeeping is not very useful, so that sometimes I don't have enough money, so I will take out a certain amount of money that is about to expire or will take several months to expire. I also don't have a single amount of money saved for emergencies, so when I have an emergency, I either have to trade with someone else or just withdraw a sum of money. In this way, you can't save much in a year. There is also I like mobile phone payment, since the use of mobile banking, I have never been to the bank, I used to pay the way is WeChat, I will transfer the money from the card into WeChat in advance, and then use it directly, but I found that there is no very direct concept of using WeChat, not enough to transfer in or direct bank card payment, and so on found that I used a lot of money and regretted, and I also like to watch Kuaishou, sometimes impulsively buy a lot of things, but buy back and find that it is not very useful and do not want to return.
In the first few days, in order to save two treasures of New Year's money, I looked at the small amount of savings I thought about it and decided that in the new year, I must get rid of some bad problems and save money well, this is my new year's saving direction, I hope to save money well in 2024:
1. Continue to use the 6-month savings method, with a fixed deposit of 3,500 per month, and a monthly deposit of 1,600 in the card to repay the mortgage.
2. Save a separate reserve fund, take it out when you need it, and keep saving money if you don't need it.
3, change WeChat payment to a bank card, save a certain amount of money to the card every month, enough can not withdraw the deposit, this time I am using Alipay to pay, because Alipay can see the small **, the red envelope can be directly deducted when paying, every payment can be deducted 0It ranges from 8 to 1 yuan, and I think it's a good deal.
4. After the New Year's money, save it separately, take out the previous sum after the New Year's Eve, and save it together with the New Year's money.
5. Watch less live broadcast to sell goods, less impulsive consumption, buy things back that don't like inappropriate, no matter how much money you have, you have to return it, pay attention to whether there is freight insurance when buying, unless you like it very much, don't do it.