After the Lantern Festival, our Spring Festival is officially over, have you calculated how much money you spent during the Spring Festival, and how much of your expenditure is greater than your income?
A netizen on the Internet calculated that he spent almost 16,300, which is just human contacts, not including daily living expenses, which is equivalent to spending all the year-end bonuses he has earned for a year.
Red envelopes for parents and children, gifts for parents, I believe that many friends are probably out of budget for the New Year. Nuan Chun thought that the Spring Festival would be held once a year, and it didn't matter if the flowers were excessive. After all, saving money still depends on daily life.
In particular, these 3 small habits, once formed and practiced continuously, ordinary people can also realize their dream of making a small fortune in a muffled voice.
1. Develop the habit of keeping accounts at hand.
When Nuan Chun was in college, she had a good classmate, and she had a habit every day, that is, whether she spent 2 taels on dinner, or went to the supermarket to buy daily necessities, or bought a bottle of water, this number would definitely appear in her notebook that day.
At that time, I didn't feel much about her habit, I thought it was too troublesome, and there were so many living expenses every month, and it was just enough to spend it, and it didn't make sense to remember it.
The habit of bookkeeping is really beneficial as time goes by. It will make you ::
1) Unconsciously, a lot of unnecessary expenses are saved.
2) Clearly understand where the money goes every month, and change a lot of bad habits.
3) Buying things has become restrained.
Of course, some friends may say that bookkeeping is troublesome, and they have tried it before, but in the end they felt that it was too troublesome to stick to it.
In fact, bookkeeping is not as difficult as you think, and we can simplify the way of bookkeeping. For example:
1) Simply record income and expenses.
2) Bring a small notebook with you, record what money you spent, and write it down casually.
3) Small money must also be recorded, you must know that the money spent each month is accumulated by all kinds of small money.
Bookkeeping may seem troublesome, but it is worth it to pay a little trouble to make our future life more comfortable.
2. Improve your awareness of money.
Many people always say that they can't save money, but they never formalize their thoughts and cognitions.
They think. 1) Money is earned, not saved.
2) It is not easy for people to live a lifetime, and they must have fun in time to live up to themselves.
3) People who can spend money will make money.
But they never thought that if they could only have a relatively fixed salary for the rest of their lives? Or rather, for the time being, there is no such strong earning power.
The money is gone, and so on, the money never stays in your pocket, and the result is still no money.
In their subconscious.
1) I have a good family background, and there is still a way out.
2) Do not seek to be motivated, and be satisfied with the status quo.
3) Desire is greater than ability.
4) Love to find reasons and shirk responsibility.
5) Self-control is too poor, and I don't look down on small money.
6) No financial awareness.
So if we want to save money, the first thing we need to do is to raise our awareness.
1) No matter how good the family background is, there may also be changes, if a person has the ability to make money and save money on his own, he can live well away from the family.
2) As much ability a person has, enjoy the benefits that that ability brings to you.
3) Grab every small amount of money in your hand, and the compounding effect that accumulates over time is amazing.
4) Be sure to have a financial mindset, let money work for you, and money makes money.
3. The habit of diligence and thrift.
I didn't recognize this sentence before I was 30 years old, in my thoughts, how difficult it is for people to live for a lifetime, and they still have to deduct and search every day to live, which is too boring.
But when I became a parent myself, I realized that a family's expenses are really large, and when we don't have such a strong earning power, thrift is the best way to save money, and it is precisely with my parents' diligence and thrift that we support our children to go to college.
The above are 3 tips for friends who want to save money in 2024, and they are very simple to summarize:
1) Start bookkeeping, don't like to bring a book, just the next electronic bookkeeping software, simply record income and expenditure.
2) Through bookkeeping and review, we can find out what money should be spent and what money should not be spent.
3) It is recommended to read books about money, such as "The Psychology of Money" and "Millionaire Next Door", which will subvert your perception of saving money.
In 2024, everyone will save money together, become rich together, and live every day!
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