Recently, I have been brushing up on a hot topic.
Why save money? "
What is the point of trying to save money? "
Is saving money really addictive? "
My answer: Yes. When you see more and more numbers on your bank card, don't you feel very happy? Hahaha! The mood is extremely exciting.
The meaning of trying to save money. When you go shopping in the mall, you don't care about the price, but think about whether you like it or not.
With money, you can have dignity, security, confidence, the right to speak, and the right to choose, which can bring a better life to yourself and your family, and add a life guarantee to the future.
Today I would like to share with you 16 good habits that allow you to save more money, and I hope that we will become richer and happier through our own efforts!
1. Set up living expenses for yourself on a monthly basis.
The living expenses are fixed in a card, and every time you buy food, you will deduct money from it.
The rest of the money can't be touched, and every time you see if you exceed the limit every day.
2. You don't have to pursue **.
Many people are pursuing**, and as long as they have**, they want to change. But the old one still has a strong practicality, so there is no need to replace it.
Such as mobile phones, tablets, clothes, bags, shoes.
3. Quit smoking. Smoking can be said to be a bad habit that does more harm than good!
Smoking is a health hazard. Not only does it have a negative impact on personal health, but it also causes second-hand smoke hazards to those around you.
From the perspective of saving money, the monthly money for cigarettes can range from a few hundred yuan to thousands of yuan, which is the most distressing waste.
4. Clean up your clothes regularly, leave what you can wear and clean up what you can't.
Don't buy unnecessary clothes that are too repetitive.
Just buy the style that is necessary and not, the quality and suitability of the clothes are not in the quantity.
5. Don't show your wealth, keep a low profile.
The more you are in the key, the more people come to you for help and borrow money. When you're embarrassed to say no, you'll lose a lot of your deposit.
6. Use your spare time to develop more side hustles, increase your multi-channel income, watch less short**, watch less TV series, and use all this spare time to make money.
7. Eat less takeout and cook more at home, you can save a lot of money, and don't go out to eat, the consumption is relatively high. Every time I go out to eat, I have to spend at least 100 yuan.
8. You can make your own breakfast.
For example, a sweet potato, a piece of cake, an egg + a glass of milk, etc.
You can also prepare some dry food such as biscuits, bread, sandwiches, etc.
9. Attend fewer dinners and parties.
Dinners and gatherings are occasions to strengthen relationships, and for some unnecessary social interactions, it is necessary to participate less.
First, it can reduce the consumption of money, and secondly, it can also reduce the loss of time and energy.
10. Don't stock up when you see a bargain.
The so-called buy one get free.
First, the threesome and the third person are free, etc., in fact, they are all a kind of first-class means for merchants to stimulate consumers to spend more.
Pay less attention to these "bargains" and buy what you really need, so you can save money that you shouldn't spend.
11. Don't spend in advance.
Other people's money is, after all, someone else's money, and sooner or later it will have to be repaid.
Therefore, if you are not forced to do so, do not use credit cards and other borrowing tools, it is like a bottomless pit, which will only make you borrow more and more, and fall deeper and deeper.
12. Don't ignore small money.
Take a taxi at least 20 yuan once, 10 times a month is 100 yuan, and a year is 1200 yuan, not to mention the small amount of money we spend in our lives is more than just a taxi?
Don't think that you don't have to care about the small money of more than ten or twenty yuan, a lot of consumption in life is basically the accumulation of these small money, and no matter how small the money is multiplied by 365 days, it is amazing.
This is how rich people are refined" said: Don't ignore the power of small money, just like fragmented time, know how to make full use of it, and after a long time, the effect is naturally amazing.
13. Lend less money to others (except for reliable friends).
These days, borrowing money is easy and hard to ask for. Many people lend a large amount of money out of favor or face, and as a result, the meat buns beat the dogs, and there is no return.
On the contrary, his life is struggling.
When everyone is in difficulty, it is not that they cannot borrow money, but they divide it into others.
People who are not good in character, unreliable, and honest cannot be borrowed.
Good habits need to be formed with persistence, as long as you stick to it, I believe you can also save a small fortune, hehe