Refuse**, change social interactions, real interactions, develop bookkeeping, and save money regularly.Hello, I'm Jinxiao. Talking about money is easy to remind people of all kinds of high-level methods of investment and financial management. But in life, if you want to achieve financial freedom and make a fortune, the most effective way is to save your own money.
What, you can get rich by saving money? Doesn't that sound great? Of course, the "saving money to get rich" here is different from what we usually understand, it is more like a lifestyle and financial management habits. Master these little cheats and let the money accumulate like a seed over time, and before you know it, it will sprout and bear fruit, helping you achieve financial freedom.
*From the artist Debora Islas
1. Simply refuse to consume**
Many people always complain that their salaries are too small, but where did they spend all the money they saved last year?
In fact, the easiest place to spend money is those small but frequent purchases. For example, I go to Starbus every morning to buy a cup of coffee, order takeout for lunch every time I exceed my budget, and go to the mall with my girlfriends to buy and buy whenever I have time.
I have a friend who earns more than 1w a month, but he never has a few thousand yuan left in his account. I took her data analysis and found that in addition to fixed expenses every month, there are more than 5,000 scattered consumptions alone, not including her various ** membership subscriptions, which are automatically deducted a few hundred yuan per month.
I persuaded her to try quitting online shopping, but she insisted on it for less than 3 days and couldn't help but place an order for 4 pieces of clothing, on the grounds that it was too cheap to let go.
The first step to saving for success is to say no to these small but frequent purchases! Refuse** in order to make your wallet thicker slowly.
2. Change the way you socialize and be with rich friends
Whoever is with whom will become what it will become, this sentence is not false at all. The level of consumption of friends will directly affect you and me, and if you want to get rich, you have to start making friends with rich people.
I used to like to find friends who usually have no money to spend and borrow money for the New Year. As a result, I found that I had learned all sorts of money-saving tricks before I knew it, from buying from small stores to shopping for bargains online. When chatting, the topics are also limited to eating, drinking, and having fun, and it is difficult to talk about some progressive topics.
Then I decided to change my social circle and meet some accomplished people. Most of these friends are very low-key and never reveal how rich they are. But when I got along, I found that they had a different way of thinking. They don't spend time paying attention to discounts, but they do go out of their way to boost their investments. I was also gradually influenced by them, and began to focus on my own progress and growth, rather than wearing a certain treasure and discounted makeup.
Choosing to be in the company of excellent people allows you to unconsciously cultivate your heart and become a better version of yourself. It's a subtle influence, just as gold gets brighter and brighter, and even the fiercest fire only makes it purer.
3. Quit social software and return to real social networking
Many people spend their work hours brushing a certain sound and a certain book, learning various dressing skills; After work, continue to swipe the shopping platform and find the latest discount information. Social software keeps us away from real interpersonal communication, but we can't forget to consume and consume again.
Interestingly, the happiness brought by these virtual social interactions is short-lived, and after a week, you will feel that there is no new meaning; Put on a beautiful makeup and go out, everyone praises, but after the praise, it loses the motivating effect.
Are you also tired of these false social and fast-moving pleasures? It's better to focus your time and energy on talking to real people face-to-face. Find a close friend or two to walk, exercise, and play strings together. Not only do these offline events cost nothing, but they also bring lasting happiness.
Regaining the habit of real offline communication can not only save a lot of consumer spending, but also allow us to stay away from impetuousness and find the true nature of life.
Fourth, develop the habit of daily bookkeeping
Many people find bookkeeping troublesome and boring, so most of them don't know how to do it. As everyone knows, bookkeeping allows us to clearly see where money is going, so that we can adjust unnecessary spending.
I recommend that before making a big purchase every month, you must keep an account to see how much money you have left at your disposal. With this awareness, there will not be a situation where wages are paid at the beginning of the month and there is not much left at the end of the month.
In addition, it is not difficult to keep an account, and there are many automated tools nowadays. For example, use the bookkeeping function of the mobile phone to record a sum immediately after shopping; Or bind a card to automatically connect transaction records.
Collect monthly income and expenditure data and record them in different categories. This will allow you to see exactly how you are spending, so you can modify unnecessary spending and save more and more money.
Fifth, save regularly and let money make money
It is impossible to save money and make a fortune from your salary. After all, wage growth is limited, and most of it is used for consumption. The trick to really making money is to make money and increase the value of your money by saving.
The way to do this is simple, save money on time and regularly every month. If you deposit 5,000 yuan a month, you can increase your value by about 3,000 yuan after a year. Of course, the more you save, the higher the return, the greater the charm of compound interest, of course, the current income is not as good as before.
If the income is not cost-effective, I recommend that you have a minimum of 500 yuan worth of small golden beans every month. No matter what happens, keep saving this money and never use it. In this way, let it live silently, and in a few years, it will gather sand into a tower, contributing to your dream of making a fortune.
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Jinxiao:
A 30+ girl who talks about money and loves beauty, and longs for wisdom ** herself. Share a small diary related to wealth every day, focus on growth, and keep updating.
The growth of Xiaobai's financial management