As everyone knows, no matter how big the source is, it can't stop people's desires. The greater the income, the greater the consumption. Therefore, increasing revenue and reducing expenditure is the most fundamental way.
Saving is actually a fashion! A manifestation of cultural quality. Save it for self-cultivation Reflect a person's spirit, a temperament. What you save is what you earn. Don't underestimate any small savings. Every little makes a mickle.
The so-called "open source and reduce expenditure", only open source or reduce expenditure is not enough. On the basis of exhausting various methods to open source, we must not forget the most basic morality. When your income is not enough to cover your expenses, you should first reduce the cost of living, and don't cut back if you want to open up sources.
Just like an enterprise, when the economy is bad, we must first find ways to reduce costs and keep the lifeline before we can develop. As for open source, in addition to the economic improvement and natural increase in revenue, it also depends on long-term planning and research and development. The improvement of this kind of physique is long-term and continuous. If the enterprise does not think about reducing the cost first, but goes to the hospital in a hurry, it is not only easy to have problems. The biggest sequela is that after doing business that is not specialized in this industry, it may damage goodwill. The most regrettable thing is to use the company's precious resources for purposes that are not conducive to the company's long-term development. When the economy improves, it will not be as competitive as others.
The same is true of personal finance. When the income is not enough, the living expenses must be reduced. In the past, the inherent virtue emphasized by our ancestors was thrift. With the change of modern people's consumption habits, the concept of "the old don't go, the new don't come" has replaced the concept of "the older the better", coupled with attractive advertisements in the media and easy access to bank loans, people are enjoying their consumption.
However, do you know that your happiness will be eroded with consumption? When we are no longer frugal, many problems will follow. If the salary is not enough to pay the bill, you can imagine your mood. When the debt exceeds the income, if no one helps you solve the debt, there is no other way but to declare bankruptcy, so avoiding getting into debt trouble is always the best strategy.
Excessive consumption will also affect your work. If you can't manage your own money well, how can people believe that you can manage public funds well? When your colleague is like a cat on hot bricks, you must have insufficient confidence in him. Besides, we know that we are irresponsible for our own lives. How can we convince people that we can take on the heavy responsibility in our work? If you often worry about money, you will not be able to concentrate on your career development. In the end, even your work will be "consumed". Will it not become "human" and "financial loss"? Of course, when we talk about saving, we don't mean that you should tighten your belt and wear rags all day. Such a life is certainly not desirable. Saving only requires you to spend the money you should spend and save unnecessary expenses. Shopping and life have ways to reduce expenses without reducing the quality of life.
There are ways to save in every field. As long as you are careful, you will find that there are many wastes in life that you have never noticed, and there are many small money that you can save that you don't think is important at all. We should change this idea of not paying attention to small money from the concept.
I have seen such a person's family history. He has no venture capital, so he is frugal. Regardless of the strange eyes of outsiders, he unplugged all the refrigerators and air conditioners at home. A few years later, his economy was very efficient. He accumulated initial capital, bought a farm, and then began to earn more money slowly.
I'm afraid you can't pay attention to such micro-capital? Don't think that the money saved is useless. There are countless examples of many a mickle makes a mickle.
"Small money is often overlooked by ordinary people when managing money. You may never have thought about its time value. In fact, this is a blind spot for many people to manage their finances. " A gentleman calculated an account for himself. In the past, he often took a taxi to the company because he got up late and was afraid of being late for work. On average, every month in 250 yuan, he will spend 3,000 yuan more on transportation, which seems to be a small amount, but from the age of 25 to 60, it is 284,508 yuan at the annual compound interest rate of 5%.
Throttling is also a battlefield without smoke. The general's talent is how to command his soldiers to defeat the enemy, so every penny is at your disposal. If you don't have the talent of a general, your "soldier" will be "sacrificed" in vain. Every successful rich man is an expert in financial management and frugality.
Not only individuals, but also many rich people are experts in saving. Let's see how these rich people save. McCarthy, vice president of American media ABC, made an action that ordinary people thought was "disgraceful" at the press conference. He suddenly got under the table. When everyone was puzzled, he stood up calmly, waved his cigar and said, "By the way, my cigar fell under the table." But in life, will you and I take it off for a cigarette on such an occasion?
Microsoft employees led by Bill Gates are very frugal. Bill Gates's words to everyone at Microsoft are: "It is not easy for us to make every penny. It is our hard-earned money. We should not spend it casually, but use it on the blade. "
He hasn't had such an idea for some time, from the initial stage of his business to the beginning of such a big career. When Microsoft was founded, President Velander, like the presidents of many companies, made the office magnificent and felt like a president. After reading it, Gates was particularly angry. He feels that he is wasting unnecessary money, and it is easy to bring waste to the whole company, which is very unfavorable for future development.
Just like when people eat. They are not afraid that you eat too much, but they are afraid that you will get a little bit of everything and throw it away if you can't finish it. They are distressed but helpless.
Pay attention to every penny and learn to save. Your resources are very limited. If you don't know how to save, you will squander a lot of money that should have been invested, which is not worth it.
As we all know, singles are the most wasteful group. No matter in consumption or in some of their own lives, they are people who don't pay attention to saving. They buy the most expensive clothes and often get together ... in fact, many times, they can be unnecessary and save a lot.
1. Shopping
When shopping, you should make a shopping plan in advance, and don't buy things you don't need. I suggest you only shop once a month, because if you shop more, you will definitely buy more, and if you buy more, you will spend more money. In order to promote sales, many shopping malls and supermarkets will launch many shopping preferential activities, such as buying two get one free, low-priced large-size clothes and so on. , you can compare it repeatedly and buy what you need in the most favorable way.
When buying clothes, you don't have to buy the most expensive one. Many times, expensive is not necessarily good. It is not a big mistake for young people to want famous brands. Don't just look at the brand when choosing. Compare quality and style, shop around and buy the best, not the most expensive.
Share the rent
Renting a house is essential. Young people who have just come out can't afford a house for the time being, so they can only rent a house. Suggest sharing it with others. Because the "unit price" of rent is not proportional to the area, the rent of a house with a large area is relatively slightly cheaper. As long as you don't have to live alone, you can share with your friends, which is convenient and economical. For example, the monthly rent for a 30-square-meter one-bedroom apartment is in 700 yuan, while a 55-square-meter two-bedroom apartment and an 80-square-meter three-bedroom apartment in the same lot may only need 1200 yuan. Sharing it equally is more cost-effective than renting a room for one person.
Also, don't ask too much about the rented house or the room type. You can even use the defect of room type as a bargaining weapon. The same is true for indoor appliances and decoration. Too delicate decoration means more decoration, so you have to live carefully. If you are slightly improper, you are in danger of damages.
Get together
There will definitely be many parties for young people, so that they can effectively contact old friends and make new friends by the way. However, all parties also have choices. For example, you can choose to get together with your classmates next to the school. You should know that the restaurants or places of leisure and entertainment next to the school are mainly aimed at students, and the prices will naturally be cheaper and there will be many discounts. The important thing is that the quality of these places is absolutely not bad.