Have you ever been distressed by money, and have you deeply experienced the embarrassment of lack of money?
When money is rolling in, you may be reckless in spending, completely oblivious to future difficulties.
When money runs out, you want to realize your dreams but run into walls everywhere, and even bow your head to relatives and friends for help, but you may not be able to get help;
Your family is struggling with illness, but you are unable to provide timely help because of money constraints. Although we often say that money is not everything, it is impossible without money.
As time goes by, we become more aware of the security that money brings.
In this age of realism, who can completely avoid the influence of money?
So let's embrace minimalism from now on, learn to save money, and make happiness no longer out of reach because of the lack of money.
1. Unbind the salary card.
Unbind your payroll card from all payment platforms, whether it's the usual WeChat, Alipay, or any other third-party app that can automatically deduct payments.
The purpose of this is to make your payroll card a "just in, not out" reservoir.
2. Say goodbye to milk tea and coffee.
Whenever we walk into a coffee shop, the rich aroma and enticing taste are always irresistible.
However, have you ever wondered about the hidden cost behind that cup of milk tea coffee?
Yes, it's not just the 15 30 yuan ** label, it's an important expense in our daily life.
Imagine that at the end of a month, just to satisfy this small appetite, we may need to spend 500 yuan or more.
And this 500 yuan can actually be converted into more tangible daily necessities.
For example, 50 yuan can buy a bag of rice and a barrel of oil, which is enough to feed a family for two weeks.
Does this comparison give you a new understanding of that cup of milk tea and coffee?
Of course, we don't mean to deprive ourselves of this little pleasure entirely.
After all, life still needs some condiments. But we can try to do it another way, like making it ourselves.
A simple glass of ground coffee with milk makes it easy to make a delicious latte.
Not only is the cost low, the cost will not exceed 10 yuan at a time, but more importantly, we can control the selection of raw materials to ensure the safety and health of food.
So, the next time you face the ** of milk tea and coffee again, you might as well stop and think about whether it is really worth paying so much for the taste of that moment?
Or, you can try stepping into the kitchen and making an affordable and healthy latte for yourself and your family, so that every penny of life is well spent.
3. Refuse to over-consume.
I never touch those super consumption methods such as Huabei and credit cards.
If I really have my eye on something, but I'm short on money, I'll put up with it first and save money slowly. When you've saved up enough money, it's never too late to buy it.
I remember when I was a child, my grandmother always told me, "How much money you have, how much you can do." ”
It means that don't do things beyond your ability for the sake of face, otherwise you will suffer in the end.
As the old saying goes, "live within your means and spend in moderation." "We have to spend money according to our actual situation.
Many products can now be paid in installments, but I think that is actually asking for trouble for myself.
Because once you start installments, you have to pay back the money every month, and it will be very stressful.
So, I'd rather wait and save up enough money to buy what I really need.
The good thing about this is that I don't end up with a bunch of debt for buying something.
And when I finally saved enough money to buy the goods I wanted, the sense of accomplishment and satisfaction I felt was indescribable.
Therefore, I think it is a very wise choice to refuse super consumption and insist on living within your means.
4. Start a side hustle to increase income.
In addition to our usual work income, there are many other ways to make more money!
As long as we make good use of our spare time, learn some new skills that can not only interest us but also make money, and then continue to work hard, we will definitely have unexpected gains.
It's like planting a small seed, as long as you water it patiently, it will always grow into a towering tree.
The same goes for us to learn new skills. For example, you can learn how to shoot and do yourself, or learn to draw to become an illustrator, and you can also learn photography, learn to write, and so on.
Just like myself, I use my spare time to write articles, and although I don't make much money now, I believe that as long as I keep going, my writing skills will become stronger and stronger, and I can make more money through writing.
And, you know what? Many successful people in history have achieved brilliant achievements because they are constantly learning new skills and constantly challenging themselves.
As Thomas Edison said, "Genius is one percent inspiration and ninety-nine percent perspiration." ”
Therefore, we should not be afraid of difficulties, do not be afraid of challenges, as long as we are brave to do it, we will definitely have gains.
So, friends, if you also want to increase your income, hurry up!
Make good use of your spare time, learn some new skills, and then keep working hard, and I believe that you can also achieve your own success!
5. Bookkeeping. Nowadays, buying things is as simple as playing a game, gently press a fingerprint or brush your face, and your favorite baby is in hand.
But is that really good?
The money seems to slip silently through our fingers, and sometimes we don't even feel it, until the end of the month, and then we are surprised to find: "Ah, how did I run out of money?" ”
Actually, there is a super simple way to help us solve this problem, and that is - bookkeeping.
As the famous Albert Einstein said, "Everything should be as simple as possible, but not too simple." Bookkeeping is just that, it's simple, but not too simple.
First of all, we have to list the fixed expenses for each month, such as rent, transportation, utility bills, etc.
Then, set yourself a budget for what you can spend this month. Next, write down every money you spend.
This way, we can clearly know that every penny has gone**.
In order to better control the budget, we can put all the money in the budget in one bank card.
Pay with this card every time we buy something so that we can see how much money is left in the card at any time.
You can eat or buy whatever you want, but you can't exceed that budget!
Keep doing this, and you'll find yourself saving! It's like a small stream, each drop of water is small, but when it comes together, it becomes a big river.
Bookkeeping is really not difficult, the key is to persevere. Don't be like a kitten fishing, chasing butterflies for a while, catching dragonflies for a while, and finally getting nothing.
Remember, persistence is victory!
So, friends, let's pick up the pen (or mobile app) together and start bookkeeping! Let our wallets be more and more bulging, and let our lives be better and better!