First, the bookkeeping usually records every expense, and it can be handwritten or bookkeeping app, which is convenient for future resumption. Many accounting software can add plug-ins to the desktop, and every time you spend a sum of money, you can write it down, 30 seconds. If you accumulate too many bills, you often don't want to remember them because you are too troublesome.
Basically, they are just needed, and they don't spend money casually.
This is my total bill this year and this month's bill, which can be compared in weeks/months/years at a glance. The expenditure in the second half of the year increased obviously, mainly because air conditioning was installed in June, and there was human expenditure in July and August. These expenditures were all planned, so it can be seen that my monthly expenditure in the first half of the year was very small, in fact, I was consciously saving money for the second half of the year. The province should spend money and control the total expenditure for one year, which means the following ways to save money.
Second, the method of saving money is a bit complicated, but it is actually very simple and fulfilling! It is to divide income into three parts: deposit+reserve fund+expenditure. Save first and then use, not how much is left at the end of the month. The most important thing is to make different budgets according to your own income and the needs of the month, which can largely avoid frequent overspending and affect your mood of saving money.
When the salary arrives at the end of the month, I usually transfer 60% to Chaochaobao (turn off the automatic payment function) or other low-risk financial management. The rest is used as living expenses, and then the fixed expenses (next month's rent, phone bill, water, electricity and bus card) are used immediately. Don't expect this money to save the interest for one month. Excluding fixed expenses, the remaining living expenses are the disposable balance.
Next, I will subdivide it into daily use+diet, and turn to WeChat to buy food and eat. Finally, only the money that can be used for online shopping or other needs (collectively referred to as daily use) is left in the current salary card. Because the demand is different every month, it is impossible to estimate the budget very accurately, so in order to save more money, we must constantly adjust it in the middle of the month. As follows:
I used to eat mainly from outside, and I would average out how much I spent every day. If you expect to eat 20 yuan a day, but it is generally free to stay at home on rest days, and sometimes you can eat less than 20 yuan at work, then turn out the rest on the same day, so that you won't be extravagant when you see the rest at the end of the month. On the contrary, if you overspend one day, you will save a province the next day! However, it's a little troublesome and unnecessary in practice (unless you can't help yourself and want to save money compulsively). Later, I summed it up on a weekly basis to control the next expenses. For example, if I overspent last week, I wouldn't go to the supermarket or buy food next week, and I was afraid that I wouldn't be able to get a few meals in the refrigerator. In the same way, every month is the same. Next month, friends get married/family birthdays/Chinese New Year holidays, so it's a little bit to save in advance.
According to the price of the city where I live and my personal eating habits, the diet of 400 is harsh enough, and it is impossible to have much left every week and month, so what needs to be adjusted constantly in the middle of the month is mainly the daily living expenses. As long as you don't buy online, you don't need to move this part of the current account. Sometimes I really don't have anything to buy this month, so I will slowly transfer to Alipay, which is a bit like "stealing" money from the living expenses. There used to be a bank downstairs in the company, and I often went to get a 100 when I got off work. I had 900 yuan in my piggy bank, which is how I got it. Now it's not convenient to withdraw cash, so I'll transfer it to Alipay. As a living expense, this thing may be used at the end of the month, and it will be saved to transfer to the place where it can't be used by default. Don't transfer it all at once, then the living expenses will have no meaning. You should remember it wherever you go, unless you can guarantee that you really don't need to spend a penny except food. I call these "stolen money" reserve fund. If you overspend in any month, take it from here first, and try not to touch the deposit. To tell you the truth, I stole a thousand dollars in August just like this, and I feel that this process is quite happy.
Third, food, clothing, housing and transportation? 1. Get dressed
In fact, most of us ordinary people don't have that much demand for clothes. After buying more clothes, we finally find that we often wear the same ones. The first thing to keep clothes minimalist is to find your own style. When you buy them, you should also consider whether the existing clothes can be matched or not, and use the overlapping method to maximize the utilization rate of clothes.
For example, I have a round face and a pale face, so I buy more sweaters and sweaters, which can be worn outside and inside, and can be worn in spring, autumn and winter. For example, a thin sweater with a polo collar is worn alone in spring and autumn/with a summer T-shirt inside, a tight black sweater in winter, buttons on the collar of the sweater are unbuttoned, and a coat is put on the outside, which is not suitable for the Korean drama actress! Shirts are also good items if you don't like or are not suitable for sweaters. Tight sweaters+shirts+coats are stacked, and shirts can also be worn under thick sweaters in autumn, which is also better by using neckline stacking. Hooded sweater/thick sweater is directly covered with down vest in winter (it is not easy to get dirty and match well), and there is a good quality down jacket in the coldest time, which can be worn for many years.
So all my coats are only a khaki vest/down jacket/black coat in winter and a windbreaker in autumn. The interior is made of clothes that can be worn outside in spring, summer and autumn, which is enough to cope with various occasions. Last year, even down jackets were useless. Never buy extra coats of repetitive types and single-function warm clothes. Pay attention to color matching when buying, and the final utilization rate is very high.
? 2. Diet
Try to cook and bring your own food if you can. A small electric cooker can meet most of the cooking needs. I will stop by the supermarket after work, once a week or once every half a month is enough. There are discounted dishes in supermarkets every day, which are not necessarily going bad. Just pick fresh and well-preserved ones. The key is not to be picky about food! What you buy at a discount can also achieve food diversification. There are steamed buns/buns in the supermarket, which can be frozen for a week as breakfast. They can be taken out in the morning and steamed for a few minutes without thawing or microwave oven, which is convenient and cheap in Aauto Quicker. When vegetables/meat are cheap, buy more and freeze them. For example, my freezer usually has diced carrots/frozen tomatoes/diced onions ... Simply cooking noodles or assorted fried rice after work is cheaper and healthier than eating takeout. I insist on saving money as a long-term habit, so I don't recommend being particularly wronged by myself in eating. It is indeed possible to save soup and noodles every day, but it costs more to have health problems.
? 3. Housing
For many of our migrant workers, the rent really affects the deposit. My monthly rent is only 300 yuan now. I used to live 2 kilometers away from the company, and the rent is more than three times that of now. Because there are quite a few public rental houses here, as long as there is no room in the city, foreigners need to apply for a residence permit, and then they can participate in the lottery. You can also pay attention to the relevant information in your city. In order to increase the probability of winning the lottery, the traffic in this community I chose is not particularly convenient (it is still 4 kilometers away from the subway station), but I can accept the one-way commute within 1 hour. If public rental housing cannot be realized, you can rent a house within this distance according to your acceptance of commuting time. The closer the house is to the company, the better, of course, but for me personally, the heartache of paying rent is far greater than the comfort brought by living downstairs in the company.
? Step 4 travel
If you don't take a taxi, you don't take a taxi. If you travel alone, you don't have the habit of taking a taxi. The starting price of a taxi is enough for a lunch. The first reaction to where to go must be to search the bus and subway. China Unionpay Quick Pass often has activities of taking public transportation for a penny, so you can pay more attention to it. If I'm not in a hurry, I'll walk within 3 kilometers and exercise by the way.
Fourth, shopping skin care? 1. Shopping
Try to uninstall the shopping app, write it down first if you need it, and then download it and buy it when you really can't stand it. After buying and uninstalling, I have no desire to brush the shopping app at all ... After my experiment, just like adding a shopping cart, many things feel unnecessary in a few days. When I visited the supermarket, I saw that it was cheap to buy it directly (paper towels, shampoo and toothpaste are often discounted offline). What is really urgent is to go downstairs and buy it immediately, and nothing that is bought online is to be used now.
If something is broken, think about whether it can be repaired or whether there are any replaceable items, instead of buying it in buy buy at will. I have bought flashy floor-mounted clothes hangers in the first two rentals, and if I hang two more clothes in winter, I will be bent. Later, I thought that the pipes for hanging bacon sausages at home can also meet the needs of hanging clothes. It's just that the appearance is a little simple … so I bought a few cheap water pipes and spliced them together to become a very strong hanger, which is the kind that is often seen in stalls. Recently, I need a refrigerator dust cover with storage function, which is written in the memo but I haven't bought it. I don't think it's expensive, but I just don't want to add physical objects casually. Later, I saw an idle pillowcase, which was simply designed for a small refrigerator! The size is just right. The pillowcase is turned over and covered on the refrigerator. One side of the pillowcase is just used as a storage bag, and the other side is cut to keep balance. It is more than enough to put some small things like plastic wrap. Similar little surprises need to be discovered by myself. I think it makes me happier than buying things at random ~
2. Skin care and makeup
I will write down the opening date and use-up date of skin care products/daily necessities, find out my consumption speed, and don't hoard too many skin care products and cosmetics. First, because these things are consumed slowly, they usually feel tired before they are used up, or they need to change brands when they suddenly have allergies. Second, it is promoted many times a year, and there is really no need to buy too much at once. It is said that the ultimate way of skin care is to make skin comfortable, and a bottle of it will rub the whole body. I personally feel that it is not bad. After simplifying the skin care process, the skin condition is more stable, and it is rarely red and itchy. I won't buy repeat make-up. After all, a plate of eye shadow, an eyebrow pencil and a lipstick can really last for a long time, and my hands are broken. With more cosmetics of different colors and brands, the effect on my face is almost the same, and they all look the same color. So the make-up is as simple as a palm-sized bag.
Finally, I would like to share with you some of my consumption ideas:
1. Refuse to spend in advance.
Try not to spend money, credit cards and so on. It is not money that is spent in advance consumption, but running water. It will give people the illusion that they are rich, and they will easily overspend unconsciously. When they pay back, they will really doubt their lives when they see the bill.
2. Do not create demand casually
I think you can exercise if you buy a bracelet, and you can insist on making breakfast if you buy a breakfast machine, provided that you have the habit of exercising and getting up early. In short, don't buy or use things you don't need, such as the prize in the lucky draw … I have won a cervical vertebra massager myself, but I don't need it at all, and it's useless to stay for a few times. When I finally sell it, I can only sell it at a low price.
3. Minimalist life
Learn some minimalist methods to achieve multiple purposes. For example, baking soda pickled chicken breast is more tender; Baking soda and detergent mixed with water can remove oil stains, and cleaning the kitchen with cleaning balls is very clean; White vinegar can remove the odor, and you can also wash the toilet with water. In this way, two or three kinds of cheap goods that are used frequently replace starch/cooking wine/degreasing cleaner/toilet cleaner … At present, we still need to learn this aspect continuously.
The above are some of my usual habits of saving money and consumption ideas. To sum it up simply, I plan to save money first, and then think twice before spending money every day. I don't spend money at will, and I pay attention to every penny to save big money.