If you're struggling financially and don't have savings after the age of 30, you may want to consider stopping doing these 6 things:
1. Failure to plan and control expenditures.
At the end of every month, a friend of mine complains that he hasn't saved money. Every time it is time to pay the child's tuition, he will make up everything and live a tense life.
In fact, she and her lover earn a lot, with an income of more than 10,000 yuan per month, only one child, and the house loan has been paid off, so it should not be too much of a burden.
But life is tense.
As the saying goesThe plan of the day lies in the morning, and the plan of the year lies in the springWhether it's life or work, you need to have a plan.
Create a budget plan every month to ensure a balance between income and expenses. Avoid overconsumption,** some unnecessary items.
Develop good spending habits, and money will naturally be saved slowly.
2.Irrational consumption.
I want to buy everything when I see it, I like to watch live broadcasts when I have nothing to do, and I will always be driven by the atmosphere, I think this is cheap, that is good, and then buy and buy.
Without assessing the true value of an item or considering what your real needs are, it's easy to spend some money in vain.
Avoid impulse purchases and follow the trend of spending, you can save a lot of money in a month.
David** said: MoneyThe problem is usually not that there is too little income, but that there is too much spending
3.Do not save and invest.
Yang Lan said: A happy life will not fall from the sky, we must learn to invest and save, in order to have enough capital to support the future.
This friend of mine, after paying his salary every month, does not want to save a sum of money first, but first wants to buy something delicious and what kind of clothes to buy.
You persuade her to save some money before spending.
She replied: Just such a little money, what to save!
Damn! Know that you don't have a lot of money, and you don't save it yet? When is this kind of moonlit day a head?
4.Not looking for opportunities for additional income.
As for the friend mentioned at the beginning of the article, the company he works for does not have much business, so his work is relatively easy, and the most common words he says every day are "so boring, so boring!" ”
But even if it was so boring, he didn't take the opportunity to look for an opportunity to earn extra income, nor did he want to use what he was good at, interested in earning extra money, developing a side hustle or something.
To put it mildly, sometimes, poverty makes sense, ask yourself why?
5.Consume for face.
He often spends extravagantly for the sake of his vanity, and thus gradually depletes his money.
When I saw my neighbor buying a car, I was itchy and envious, so I gritted my teeth and took out a loan to buy a car.
One of my hometown classmates is even more outrageous. I took out a loan to buy a car, and I originally wanted to go to store A, because store A was more suitable, but there were people I knew in it, so I didn't go to store A and went to store B, which was higher.
The reason is: I don't want people I know to know that I bought a car with a loan.
6.Don't spend ahead of time
As the old saying goes: how much can do a lot of things
If self-control is poor, please turn off Huabei and credit cards, refuse to spend ahead of time, and avoid falling into debt crisis.
A sister I know, when she first started to apply for a credit card, it was a good time to spend money, and it was always cool to spend money.
The scary thing is that when it comes time to repay the loan, she finds that she can repay the minimum payment, so she enjoys it.
When I remind".The "minimum payment" is a pitfall, she said confidently, "Aren't they all like this?" ”
He even laughed at me for "staying" and stayed until I paid back the full amount every month.
I'm speechless......
But when she found out that her advanced consumption, the credit card was repaid according to the minimum amount, resulting in a lot of extra interest, and when she suddenly realized, she couldn't repay the full amount of money, and she began to beat her chest again, and scolded the credit card!
Later, she borrowed money from relatives and friends to plug the hole in her credit card. After that, the credit card and Huabei were deactivated.
She said she feels relaxed now. 
Financial stability takes time and effort, but with proper planning and decision-making, our economic situation can be improved gradually.
I believe that you, sooner or later, will be a rich woman! Come on