Hello everyone, I'm Qingmang, a self-leading worker! This year, I plan to continue to dig deeper into the topics of saving money and minimalist living, and I want to take action.
In the past three years, the economy seems to be improving on the surface, but in reality, life has not become so easy for each of us. Entering 2024, many people are caught in the dilemma of layoffs and salary cuts; Brick-and-mortar store owners are still struggling to make a living; There are also many courses that seem to make money on the internet.
All this reminds us that we must protect our "money bags" well in order to have more choices and a sense of security. I'd like to share two money-saving tips:
1.Be sure to have a 2w deposit in your pocket
Young people who have just entered the society often do not have a sense of saving money, because most parents teach them to study hard, and financial problems are not something they need to consider. But once you step into society, you will realize the importance of money in work, relationships, and unexpected situations.
I was working in Guangzhou when I first graduated, and I was living in a relative's vacant house with 2,000 yuan from my work-study program at university. My relatives didn't have an opinion on the surface, but they made all kinds of demands on me. During that time, I learned to settle my utility bills and other life chores on my own. A year later, I found a new house in the local area and managed to save 2w yuan.
Having a deposit means that you have the initial courage to live anywhere. Inadvertently, anyone can face unexpected situations, and this money will be your bottom line.
2.Incorporate saving money into the details of your life
One of the ideas mentioned in the book is that people nowadays are no longer hungry, and at least everyone can afford to save a sum of money. What we need to do is to integrate "saving money" into our lives and habits, so that it becomes a daily life.
For example, after the monthly salary is credited, a part of the money is deposited into a bank card that can only be entered and exited, and 1,000 yuan is deposited every month, and there will be 12w。In addition, you can also take advantage of some rituals, such as depositing a fixed deposit in the bank, which is also a good habit.
It's also helpful to observe your spending habits. If you spend more on snacks and beverages, try to reduce the frequency of your daily consumption; If you spend more on clothes, you can gradually reduce the frequency of your purchases. By accumulating day after day, the savings rate can slowly increase.
It's not hard to save money, you just need to gradually integrate it into your daily life, and with small changes, we can gradually increase the level of saving.
In this way, we can feel more at ease and free even in an uncertain future.
Okay, I'm Qingmang! Thank you for reading, remember to like and collect after reading, **Every one of your likes will become a return of wealth to you! The growth of Xiaobai's financial management