Who hasn't had several dreams? When I was a child, my dream was to grow up quickly. My dream is to go to college when I grow up. After graduating from college, my dream is to save more money.

After work, I forgot about saving money. What should I do?

In the book "Qian Qian the Dog", an introductory book on financial management, Gia, the leader of Qian Qian dogs, realized his dream by making a dream list.

Gia's dream is to help her parents pay their debts. By making a dream list, she started to act and finally realized her dream of helping her parents pay their debts.

In fact, we can also make our own dream list first, and the list should be as digital and concrete as possible.

For example, I saved 6.5438+0 million yuan to travel this year;

Save 200 yuan every week to buy a skirt for her beloved;

Save the money for smoking and buy a notebook computer worth 5000 yuan;

Save 1000 every month, give your child a big gift at the end of the year, and so on.

First, list your dreams and budget amount that you are eager to realize, then set up a fund account, choose a fund that suits you, and set the amount and date of fixed investment.

It is best to set the fixed investment date as the day after the payday, for example, the payday is 15 and the fixed investment date is 16.

This is equivalent to saving first and then spending, forcing savings, so that the fund will automatically help us realize our dream of saving money.

Second, if you want to save money, make a list of daily expenses and concentrate on buying.

You cannot make a silk purse out of a sow's ear. With a dream, how much money to save every month has been determined.

It's just that I didn't get into the habit of saving money at first, after I forcibly saved a sum of money. I found that I could spend less money.

What if there is less money?

Then we can only save from our daily expenses and distinguish between "necessary" and "wanted" things.

What is "necessary"? There is no such thing that will affect our normal life. For example, ordinary rice, oil, salt, sauce, vinegar and tea are daily necessities.

What is "wanted"? I can live without this thing. Having this thing may make my life better or worse.

For example, every time you go to the supermarket, snacks are always placed in the most conspicuous position, and there are also very attractive prices in buy buy to attract you to buy them. Finally, I found that eating too many snacks not only affects my health, but also costs a lot of money.

For example, a car is a consumable, which can bring convenience to your travel, but it is not too late to buy it after you have saved enough money.

After putting these things in order, make a list first every time you go shopping, and concentrate on one-time purchase.

The boss usually makes a list of things he wants to buy in a week on the weekend morning and concentrates on shopping in the supermarket once. With the constraint of the list, not only will you not buy indiscriminately, but you can also get a discount on weekend shopping and save a lot of money.

The money saved can be saved again, killing two birds with one stone.

Third, delay consumption and save money to the extreme.

Usually shopping list, offline shopping saves money, but this is not enough.

In the Internet age, online shopping has also become a trend. Convenient and quick. Empty the shopping cart without a word, and of course it will only be moonlight in the end.

It is wise to add what you want to buy to the shopping cart first and wait 72 hours before buying.

Why wait 72 hours before buying? Because there is a 72-hour law in psychology. This means that if you really want something, wait until 72 hours later.

If you still want this thing after 72 hours, buy it. If you don't want it, don't buy it.

People who use this rule finally find that they don't particularly want to buy and finally save a sum of money.

For example, Boss Jun saw a new mobile phone, 1000 yuan. He was so excited that he couldn't wait to buy it back at once. But the boss suddenly thought of delaying consumption, so he first added the mobile phone to the shopping cart and waited for 72 hours before buying it.

After 72 hours, I didn't even have the urge to buy a mobile phone. I thought I would invest 1 10,000 in the fund. Doesn't it smell good?

So when you want to empty your shopping cart, you must learn to delay spending, so that you won't spend money because of impulse.

Fourth, increase income and save more money.

Saving money is not to make you live an ascetic life blindly, but to save money with a surplus without reducing consumption.

3000 yuan a month, but also rent a house, eat and buy clothes. How much money will you leave in the end?

Therefore, if you want to save more money, you should increase your income in addition to saving money every month.

Only when your income increases will your principal increase.

When your salary is 3000 yuan, 10% of the compulsory savings income, you only have 300 yuan in a month, and it is 3600 yuan a year.

When your salary rises to 65,438+00,000 yuan, you will be forced to save 65,438+00% of your income, which is 65,438+0000 yuan a month and 65,438+02,000 yuan a year.

If you find that your expenses can be controlled within 5,000 yuan through savings, you can still save 5,000 yuan every month, and the annual deposit is as high as 60,000 yuan. In less than two years, you can change from a moonlight family to a saver with a deposit of 65438+ 10,000.

5. Don't forget to do a good job in safety.

I worked hard to save money for several years, and I went back to before liberation overnight. I managed to save 65,438+million yuan from the moonlight clan, but it was broken by a sudden accident, which was not worth the candle.

Especially for those who need to support the elderly and children, we should pay more attention to the role of insurance. When saving money, don't forget to buy necessary insurance for your family and yourself.

For example, social security, new rural cooperative medical system, accident insurance, critical illness insurance and critical illness insurance.

With these guarantees, you can save money carefree.

As the saying goes: "As long as you work hard, the iron pestle is ground into a needle", as long as you are willing to work hard, start saving from the small money around you, increase your income, do a good job of security, and set up the dream of compulsory saving, you will definitely save money.