7 tips for saving money
I have seen many people
discussing whether the money is earned or saved? Personally, I think that
making money and saving money are indispensable, so that you can earn money and
save money to accumulate wealth faster.
So today I will talk about money saving tips, so that everyone can save money more easily and faster.
1. Keep track on your expenses for a month to understand yourself first
Many people think that accounting is troublesome and cumbersome, and it is useless. It is just money spent, so they don't bother to keep it.
In fact, you may wish to consciously record a month first, so that you can find out your consumption situation and tackle it accurately.
Look at how much you need to spend in a month through accounting, which are necessary expenditures, and which are non-essential expenditures, find out these non-essential expenditures, and reduce on this type of consumption.
2. Make a good budget
After you understand your consumption situation, you can set your monthly budget so that it is not overspent.
For example, if you have a budget of 1k, then put the money in a convenient and flexible account. Every time you want to buy something, you pay from it.
Of course, the biggest advantage of doing this is that every time you spend money, you can clearly know how much money you have left to spend this month, and you won't spend it lavishly.
3. Spend less time on shopping app , supermarkets and shopping malls
When I have nothing to do, I will tend to use shopping apps. When I see something, I can’t help but want to buy it. So if you want to save money, the most important thing is to stay away from temptation. If you don’t see those things, you will have less desire to buy.
4. Don't buy things you don't need even there are discounts
In order to attract customers to spend more, some shops will set up activities such as discounts.
At this time, you have to be rational, and you can’t buy unnecessary things for the sake of discounts, otherwise you will not only not enjoy the discounts, but also spend more money.
5. Learn minimalism
In many cases, we feel that the more things we have, the stronger our sense of happiness. But in fact, think about the clothes in your cabinet, but you can't find the clothes you like. Every time you have to tidy up the clothes for a long time, is it very tired and annoying?
Let’s think about it. If you only have a few but fine clothes, you could just take out one that you like, and wear it, then your mood will be different immediately.
When you open my wardrobe, it
will all be your beloved things. Isn’t it cool to think about it?
So you might as well learn to let go and let go of your obsession with things.
Before buying something, ask yourself three questions: "Do I really need this item?" "Does this item meet my spending power?" "Do I really like this item?"
6. Make a shopping list
Do you also have such a situation: strolling aimlessly at the supermarket, seeing this and wanting to buy, seeing that there is a discount, and buying it, after a round of shopping, the shopping cart is full, and the money is spent?
In fact, you might as well make a shopping list, follow the items on the shopping list to buy, go straight to the relevant product area as soon as you arrive at the supermarket, and leave as soon as you buy it, so as to reduce the shopping impulse to a certain extent.
7. On your payday, immediately store 10% of the salary
Save first, spend later, deposit money in a regular or fixed investment account, and stop thinking about spending money. This method of compulsory savings actually works well.
The above are some tips for
saving money. Isn't it practical? If you think it is, you might as well act
now.
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