1. Reduce unnecessary expenses and only buy and use.
Many girls like to buy clothes, cosmetics, accessories and other things, but these things are often just a temporary satisfaction, not a real need.
If you want to save money, you have to learn to control your desires and only buy what you use.
You can make a list of things you have to spend each month, such as rent, utilities, transportation, food, etc.
Then write down the things you want to buy but don't necessarily need, such as new clothes, new shoes, new bags, etc.
You'll find that the list of the latter is long, and there's a lot of stuff you already have.
So all you have to do is cross off the list of the latter, or at least cut it in half. This way you can save a lot of money.
You should know exactly what you need and what is right for you.
Don't blindly follow the trend or be advertised**, spend money on a bunch of useless things. You should spend your money where it is more valuable and meaningful.
2. Allocation and recording of income and expenditure.
What will you do with your salary?
After deducting the rent, I will save enough for my daily expenses according to my spending habits, and then break down the rest into basic deposit accounts, investment and wealth management accounts, and study and travel** accounts.
One of the advantages of setting a fixed monthly expenditure amount is that it will give us an early warning when we overspend, so that we will pay more attention when we spend later.
At the same time, it is recommended that friends who spend money lavishly and want to save money should move their hands every day to record their income and expenditure and clarify the movement of funds, so as to avoid the question of "the money is gone, and I don't know where it went" at the end of the month and the end of the year.
3. Learn to cook and eat by yourself, and try not to order takeout.
I don't know what everyone thinks, but I think learning to cook is something that makes me feel very happy and enjoyable.
I used to be a novice cook, but since I followed the food tutorial, I have slowly learned a lot of home-cooked food, in fact, learning to cook is a very simple thing.
After all, the most high-end ingredients often only require the most modest cooking methods. And it's really cost-effective to buy your own ingredients to cook and eat, and you can eat healthy.
It only costs a few dollars to eat a meal, and it starts at least 15 yuan to order a takeout, and the principle is to save a little.
4. Develop a side business.
If the current salary is very low and not enough for daily expenses, then you should use your free time to develop a side business.
There are simply too many benefits brought by a side hustle, which can not only give you an extra income, but also have a way out when your main business is not ideal.
What's more, if the main business and side business are together, you can achieve financial freedom. Don't underestimate saving money, the money you save may be the capital you have to retreat in the future.
Just like now, in addition to working, I also have a side job is writing, although it is not much every month, but the stable income is about 4,000, plus salary, more than 10,000 per month, I don't have to worry about my rent, water, electricity and food money.
If you have a low salary, you should save money so that you don't have to wait for the next month's salary to be paid every month.
5. Stop credit cards and Huabei.
Are there still people who don't have credit cards, don't use Huabei, and borrow money?
When you use a credit card to spend in Huabei, do you feel that you are not so hesitant to pay?
Because you can't see the decrease in your balance, you won't have a first-hand experience of cutting meat, as if you didn't spend your own money.
I used to get a credit card because of the convenience of work, but suddenly one day, I found that the money in my hand was not enough to pay off the credit card
If you are accustomed to electronic payment and bound to a credit card, you will unconsciously spend a lot more. Wait until the one that is paid.
days, there is not much left after paying off the credit card salary.
It's hard to keep up with your daily living expenses, let alone save some money. In particular, it is highly recommended that you do not use a credit card if you are not strong and are prone to impulsive spending
6. Mandatory monthly savings.
Even if the income is not high, it is necessary to get into the habit of saving money every month, and it is necessary to separate the depositors from the consumers.
For example, if the salary is 6,000, take out 3,000 per month and transfer it to the depositor, and do not take it out unless there are special circumstances.
The remaining 3,000 yuan is used to pay for rent, water, electricity and living expenses, which may not seem like a lot of savings per month, but as time goes by, it accumulates a lot, and gradually accumulated, and you will also have a considerable small treasury.
7. Learn to shop around.
If you really need to buy something, don't rush to place an order.
Let's shop around first, some of the same items, different merchants, different platforms and quality are different, don't blindly think that cheap is not good, and expensive must be good.
You can use search engines or price comparisons** to find the cheapest or best deals.
Of course, don't just look at **, but also look at quality and evaluation.
Some things are cheap, but they are of poor quality or have defects. You have to buy what you get the best value for your money to really save money.
8. Reduce ineffective socialization.
Reducing useless socializing, except for time-consuming and costly, does not feel any fun and meaning in this kind of socialization.
Of course, there are only a few people who can talk, cherish the friends you already have, but you still have to read more books and enrich yourself when you have time.
For low-income girls, saving money is not a difficult task. As long as you grasp the above 8 practical savings tips and put them into practice, you can easily save some money. At the same time, they can improve their quality of life and potential for future development.
Let's get rich together!