Xiaobai recently had a friend tell me that when he first started working, he felt that he had more money when he was 3,000 yuan, and he could buy clothes if he wanted to. After working for a few years, the salary is 8000, but the expenses have increased.
Xiaobai's life is very simple, so no matter whether my income is high or low, my daily expenses and living standards will not fluctuate too much. Even if I am shy, I can live a good life.
Here is a sharing of the method of saving money that I have practiced for many years, and I can save money with an instant salary of 3000.
1. Based on "the life that suits you".
1. Roughly grasp the monthly income and weekly income and expenditure
Develop the habit of bookkeeping, Xiaobai's bookkeeping is as shown in the figure above, and the consumption categories are divided into daily necessities, food and wine, clothing and accessories, driving and transportation, study and further education, medical care, and communication.
If you are troublesome about bookkeeping, you can directly swipe a fixed bank card to pay each time, and you will probably know how much you spend on this bank card every month.
2. Manage "controllable" money and "uncontrollable" money
Xiaobai as an example, monthly rent property, communication and communication, for "uncontrollable" expenses, the rest of the current expenses. For "controllable" money, if you feel that you are tight this month, you will tighten your expenses.
3. Use credit cards wisely
For several large expenses at once, Xiaobai is accustomed to using a credit card to write off a part, so that he can save a part for the next month and reduce the pressure of the current month's expenses.
4. Set aside a budget, just in case
The monthly salary is divided into 3 parts: one part for the month's expenses, one part for fixed savings, and the other part for setting aside a risk budget.
2. Don't spend unnecessary money
5. Remember what you have at home and try to stock up as little as possible
I just bought the laundry detergent and found that there was an unopened bottle in the original locker that was useless.
I just bought my socks and found that there was still a bag in the wardrobe that I hadn't worn.
If you don't know what's in your home, it's easy to make repeat purchases. It is not easy to waste money and the most economical to buy as much as you want.
6. Buy when you need it
Whether it is food or use, Xiaobai adheres to the principle of "buy only when you need it", and if it is clothes, "one in and one out".
In order to figure out "what you really need", you must first organize the things at hand and clarify your thinking.
7. Collect information before buying things and shop around
When you don't have a lot of budget to buy things, you are used to comparing prices on multiple platforms, and which platform is cheaper to buy for the same brand, because sometimes they may ship goods to a warehouse.
8. Reduce socializing
It's really easy to spend money on socializing, the transportation expenses for going out, the money for eating AA, and the money for playing projects. When Xiaobai was poor, he stayed at home, didn't spend a penny and remained decent.
9. Never make a plan to save money
Making a savings plan is actually an additional psychological burden on yourself, saving what should be saved and not spent, and the money will be saved naturally. If you really want to spend it, you have to spend it, and save money to live more happily, not to save for the sake of saving.
Living minimalist is not about making you an ascetic, but learning to get rid of the unnecessary, find what you really need, and be content with it.
Lao Tzuyun, "the contented are rich". The person who is content is the real "rich woman".
Money is the foundation that helps us live a better life, as long as we don't waste our paving, and spend money smartly according to our income, we won't have trouble sleeping for money.