Talk about my recent impressions Today I want to share with you: 6 small habits that can save money:
1.Make it a habit to keep accounts
Bookkeeping will help me understand my spending habits and correct bad purchases in a timely manner.
Before I kept the accounts, I always felt that my family spent the most on food.
After keeping the accounts, I found out that it was the most spent on buying clothes, and it was more than I imagined!
It was only after this discovery that I began to look at my wardrobe and began to have the idea of streamlining my wardrobe and buying less clothes.
2.Salary trichotomy
Generally, after the salary is received, I will divide it into 3 parts.
One-third is savingsThe money will not be used unless absolutely necessary.
One-third is the cost of living, to pay for a month's daily necessities, utility bills, food, etc.
One-third is activity fundingAccording to their own life goals, they are more free to use, such as short-term trips, interest classes, etc. What you can't spend in the current month will be carried over to the next month.
3.Bonus full deposit
Occasional small bonuses, or subsidies, windfall income, etc., are generally all saved, and it will be really satisfying to save a large sum of money at once.
For example, in October, the toilet in my hometown (in-law's) was favored and sold for 4,000 yuan, and all the money was deposited into a savings account.
When people reach middle age, there is really nothing happier than saving money.
4.Learn to gather wool
I like the less strenuous and easy-to-hand wool picking. I won't participate in the kind of wool that is too energy-consuming and time-consuming.
Usually, the emergency reserve fund at home, I will put it in a bank's current account +, the interest is relatively high, and there are points to receive, and the points can be used as money, which is very suitable.
Points can be exchanged for various vouchers, tea coupons, grocery coupons, taxi coupons, etc., and can also be exchanged for JD cards.
Under normal circumstances, I will exchange my points for JD cards, or exchange my children for their favorite milk tea coupons.
Every time I use a voucher to fulfill my child's small wish to drink fruit tea, she will be very happy to praise me for being the king of wool
5.Do a side hustle within your ability
Most of the people I know have their own side hustles, and some of them even earn more than their main hustles.
A side hustle can increase your income** and pursue your hobbies.
Lao Wang usually likes to take landscape photos, and this month he sold two pictures, earning several hundred, which can be regarded as cashing in on his hobbies.
Everyone has something they are good at and like, and monetizing your hobbies is a cool thing
As long as you want to be brave enough to try, there is a possibility of gain.
6.Reward yourself appropriately
As the saying goes, no profit can't be early, haha
Many times we work hard to move bricks, and we don't want to rest for a day, just for the hundreds of dollars of full attendance awards.
The same goes for saving money, and if you achieve a certain goal, you should reward yourself appropriately.
The reward can be a piece of matcha cake, a small cone ......And so on so that we can have the motivation to continue and the motivation to deposit will be higher.
Saving money is not for us to live an ascetic life, but so that one day, when we really need it, we can get it, and we can live the life we want without any scruples.
Saving money is not to prevent us from spending money, but to be able to spend money rationally and minimize the proportion of unnecessary expenses.