February**Dynamic Incentive Plan Three difficult things in life: save money, **go to bed early. Especially at this age when housing prices are high and unattainable, it is meaningless to live a happy life in time.
But the purpose of saving money is not to get money, but to gain the ability to take control of your life, and you don't need to worry about paying bills at the end of the month, and you don't have to worry about an accident dragging down the whole family.
In fact, saving money is more fun than you think, and I've found out againAddictive ways to save money, the Moonlight Clan also has a day to save money.
01.Abandon small happiness and set goals with intense happiness
If you have given up on the goal of buying a house and a car, which is worth millions at every turn, it can also be a trip abroad, or an item that asks for more than your monthly salary.
If you want to save 50,000 yuan in a year, then you will automatically refuse milk tea, lipstick and some unnecessary small expenses.
The goal of having a strong sense of well-being must be the goal that you have been thinking about and longing for every day, otherwise it is useless.
A cup of milk tea, a cake, these small blessings will produce dopamine to make people happy, so it is a painful thing to ask you to give up, only the happiness of the distance will give a strong impetus for you to say goodbye to him.
02.Make it a habit to save money as easy as breathing
You do not link a credit card to a payment instrument.
People with poor self-discipline are not eligible to use credit cards. Do not link a credit card to any payment instrument, and always pay with a debit card.
Don't tell me that you can earn points by swiping your credit card, these are for people who know how to budget, and people with poor self-discipline will only spend more and more money because of this, so let's use the savings card in your pocket obediently.
Set up a savings account and deposit money immediately on payday.
Automatic transfer of money on payday, setting up a savings account to store money, and classifying and managing each month's salary income.
At least three accounts need to be set up: a fixed expense account for rent, food, transportation, and a pocket money account for socializing, entertainment, shopping, and a dream realization account to achieve your goals.
Each project has a limit on the cost, and there will be no increase, and you must have the awareness that you will sleep on the street when you spend it.
Once you've set up autodeposit, forget about your account.
When the money is saved, please treat it as if the dream realization account does not exist, and do not check the balance every day. Because the initial amount is too small, it is likely to cause people to feel frustrated that they have worked so hard to save only that.
You can open it once every three months to confirm it, believe me, the accumulated amount will make you scared, just like the game of fighting monsters and exchanging materials for treasures, and you will be addicted to it unintentionally.
03.Know how to enjoy saving money and enjoy it
Tell the people who love you about your savings plan.
To a certain extent, saving money is like quitting the reaction reaction, quitting milk tea, quitting takeout, quitting all kinds of small luck, the process is not difficult, but it is a bit painful.
It's important to surround yourself with people who are saving money and giving them support and encouragement when you want to give up.
Set a cheat day and reward yourself appropriately.
Just like fitness, overly strict diet control will only produce **, and occasionally you still have to eat a snack, after all, the pursuit of comfort is human instinct.
The process of saving money is the same, a proper cheating day, let yourself take a break, in order to effectively prolong willpower.
Suppose the goal is to save 50,000 yuan, and when you save 10,000 yuan, you can buy some small things, eat a delicious meal, reward yourself for your seriousness, and continue to work hard.
When you see your bank balance rising, it is full of accomplishment, that is, you have been addicted to saving money, and you are ready to become a little rich woman!
