The so-called open source is to explore more ways to earn income. Only by earning more money can we save more money. Imagine that one person earns 3,111 yuan a month and another person earns 31,111 yuan a month. They can both be moonlight, but when they really start saving money and saving money, it is obvious that the person with a monthly income of 31,111 yuan can save more money in a shorter time. After all, his income base is larger. Therefore, if you want to save money and save more money, the first thing to consider is how to earn more money.
traditionally, saving money means spending less and saving more money. Peng Kun's theory doesn't think so. According to Peng Kun's theory, while saving money, it is more important to find ways to earn more money, instead of saving money by tightening one's belt.
save money! This is something that ordinary people should do. People can't eat up all of it. Saving some money will have many benefits for their later life, depending on their income. For now, it is reasonable to spend 51% and deposit 51% in the bank. Of course, some high-income people, no matter how they spend, still have too much money left, so it is natural to deposit it in the bank. Remember when I was a child, I put some pennies into the saving box every day, one year? Can you shed your eyebrows and gamble more than the emblem? /p>
I still have this habit now. I just change it into ten yuan and twenty yuan and put it in a box with a lock. After a year, it will be about four or five thousand. The money is squeezed out, and every little makes a mickle. It's really good! This is our low-income way to save money! But no matter any people, as long as they have a sense of saving money, many a mickle makes a mickle. There is no certain definition of this much!
My friends and I have graduated for a year or two. Some of them have zero deposits, and they have to count the days of paying their salaries every month to pay back their credit cards. Others even have to worry about student loans. I'm sorry to be a neet anymore, but some friends can't hold on any longer, so they have the cheek to borrow money from me to pay back their credit cards.
I believe that many young friends are in this situation. They spend as much as they earn, buy whatever they want, and finally spend all their money in a muddle.
If you want to break the moonlight situation and easily save some money every month without lowering the quality of life, you can learn the following tricks!
Only when you know where you spend your monthly income can you find out why you can't save money and try to deal with this moonlight state.
the easiest way to know where your money has gone is to keep an account.
The advantage of bookkeeping is to let you know the daily consumption, what is your main consumption, what is your necessary expenditure and what is your unnecessary expenditure.
at first, you may buy it in buy buy unconsciously, and then you will want to see where the money is spent. Before you spend it, you will go to see if there is enough money left. Finally, you will wonder if you can save money if you cut unnecessary expenses!
The first card is used for compulsory savings. This card and the salary card are set as an associated account, and the monthly salary is automatically transferred to this card as soon as it arrives. It is suggested that this part of the money accounts for 21% of the income, but it still depends on the personal consumption level.
If some people don't spend much each month, the proportion can be increased to 31% correspondingly.
But most people will say that wages don't rise as fast as prices. After deducting the necessary expenses such as utilities and rent, food and clothing still cost money. Even if the salary is 11,111 yuan, I will laugh if there are hundreds of dollars left every month. Besides, my salary is only a few thousand dollars. In this case, you should lower your requirements slightly, at least 11% per month, which should be possible.
The storage period of this card is defined as a long-term deposit. After a certain number of years and the target you set, you can take it out for financial investment, and of course you can keep it.
You can't take this card with you at ordinary times, but you should put it in a place where you are too lazy to look for it, so that you won't want to touch the money in it.
The second card is used to store money for living expenses. This part accounts for 71% of your income, and all your necessary expenses and unnecessary expenses can only be deducted from this 71%, so you have to deduct the necessary expenses before you can pay for some extra things you want to buy. In this way, unnecessary expenses will be reduced accordingly.
The temporarily unused money on this card can be transferred to Alipay's balance treasure or WeChat's wealth management service, so you can earn a little interest.
the third card saves emergency funds, which accounts for 11%. If you are not afraid of 11 thousand, you will be afraid of one thousand. People will always have an emergency, so emergency funds are also necessary. Sometimes you will say I really want to buy a six! But the money is not enough, so take out this part of the money first to deal with the emergency. This situation is not an emergency.
this card is not allowed to be carried on you at ordinary times.
through the separation of these three cards, your income and expenditure will become more planned and reasonable. Your consumption behavior and habits will also change.
Three cards have been prepared. The first card and the third card are mandatory, so they can't be moved normally. You can save some unnecessary expenses from the second card, so your storage rate will rise again. Is it very exciting?
Taobao App is not installed on your mobile phone, so you won't always want to visit Taobao, and you can't visit Taobao when you want to go out by car or play with your mobile phone in bed. When you really need it, you will buy it on the computer.
However, it is not excluded that some people's computers are turned on every day, and they are in front of their computers every day. In this case, you can set the password a little more complicated, instead of setting the password to remember, so that you have to enter a long list of passwords every time, and sometimes you are too lazy to enter the password.
Of course, this trick is only useful for lazy people like me. If you are very diligent, you really want to visit Taobao. Then you can try the following tricks.
put what you want to buy in the shopping cart, and then go and see it in a couple of days before you buy it.
try to buy in a physical store, so that you can see the real thing, ensure the quality, and reduce some items with large quantity and poor quality.
try to use coupons, points or some rebate channels to purchase.
don't hoard goods, and don't buy unnecessary goods in large quantities because of discounts.
try to cook by yourself, which is economical and safe. Of course, there are lazy friends, so try to eat in the company cafeteria and reduce eating in restaurants or some expensive shops.
There are various ways to save money, so friends can try more and find more suitable and interesting tricks.
Plan expenses and make reasonable consumption, especially to curb impulsive consumption. Nowadays, shopping without cash often gives people the illusion that we spend numbers instead of RMB. When we encounter items we like, we are impulsive and blind, and even intentionally or unintentionally hoard some unnecessary things, resulting in waste, making saving money beyond our reach.
In order to save money for this purpose, every time you click the number of your mobile phone or insert your password into a credit card smartly, you must warn yourself to buy things carefully and spend rationally, because every time you spend a sum, it means that you are one step away from the goal of saving money. For the ordinary working class, saving is the foundation of life, because there is no capital and ability to spend money and keep up with the joneses, so only by restraining consumption and managing money scientifically can we realize the accumulation of wealth.