Some people say: if you are alive, you should eat, drink and be merry. What's the point of being unhappy But the premise of enjoyment is that the other party may have good economic conditions and may be a rich second generation. He doesn't have to worry about money, just enjoy it, but most of us are ordinary people, worried about money, how can we enjoy it without money? The happiness of overdrawing credit cards is sometimes only temporary, and the debts owed are always paid back.
Some people say: money is spent, but paper is not. Yes, but you need money everywhere to live, eat, drink, use and travel. If the economy doesn't allow it, how can I spend it without money?
One year, a resignation report became popular, that is: the world is so big, I want to see it. Going to see it also needs financial support.
Businessmen's favorite slogan is: discount, discount, clearance, 10% discount, 30% discount, 50% discount, buy quickly, or wait until next year.
Many people also like it: this is so cheap, buy it, this is good, buy it, like it, buy it at buy buy.
These are not problems, but the problem is: no money. Yes, money is the root cause. If we can save money to spend some, that's really no problem, and because everyone has different earning power, it means there is not much money to spend, so we have to save money.
Why not save money? Besides so many temptations from the outside world, you are not hard enough on yourself.
20 19 a Japanese girl became angry because she had saved money for three buildings. Think about it, how cruel is this? How hard she is on herself: she can save everything on food, clothing, housing and transportation. Not only am I familiar with the various discounts in the nearby supermarkets, but I also show: "I won't buy it without a discount!" " "
Eating-daily control within a certain range, according to her domestic standards is about every day 10 yuan.
Wearing a coat is not for friends, pants are eliminated by my mother, and shoes are no longer worn by my mother.
Live in your own house and rent out two of the three rooms to increase extra income.
Ok-riding a bike to work every day is healthy and environmentally friendly.
Entertainment-I like real estate advertisements, compare different houses, and have been preparing for buying a house. ...
There is also an extremely important point: bookkeeping, every expenditure is recorded clearly and clearly 15 years. I believe that 99.9% of people can't do this, and even find this life boring. But when she got three buildings at the age of 33 and resigned to realize her dream, everyone would sigh, it was amazing and envious.
She said: "I think it is responsible for myself to save money and energy and spend it on what I love."
So, are you excited to see such a cruel man save so much money? We may not be able to do the above, but we can make a series of changes to implement this savings plan according to our own conditions.
First of all, set a goal: what is the purpose of saving money? How much does it cost to praise one? When will this plan be completed?
For example, I want to deposit 10 thousand yuan and pay it back in three months. This 10 thousand yuan is used for saving. What you need to deposit every month: 3334 yuan. Deduct if you have money. If you don't count before now, you need to save it every month.
After setting goals and plans, you should: keep accounts. Bookkeeping is a very important thing, you must remember it clearly, otherwise, you will not know where the money went, analyze or further understand your own expenses, and you will not be able to save money better.
Of course, many people can't count and control bookkeeping. They think that bookkeeping is the same as not remembering, and what should be used is still used up. This means that you didn't take it to heart or take action. Now that we have set a goal, we must achieve it. If we can't achieve our goal, it will hurt our self-confidence. Therefore, you must make a double offer after bookkeeping. If you have time, it's best to resume the offer every day, so that you can clearly see how much money you have spent, how much money you have left, and how much you are still far from the goal. If we feel that we don't consume every day, we can do it once a week or once a month if we control it well.
In addition to fixed expenditure, we should also avoid impulsive consumption and unnecessary expenditure. For example, impulsive consumption means suddenly seeing something that you want to buy, maybe you bought it, but when you calm down and find that this thing was actually used or useless before, we will think and reconsider, and maybe we won't be impulsive. Unnecessary expenses include: for example, there are paper towels at home, and you want to buy them when you see a discount? Going out shopping with friends, drinking milk tea and ordering snacks can avoid some unnecessary expenses and save a lot of money.
We should consider our self-discipline ability when making the plan objectives. Don't set your first goal too high, but be flexible. When the first goal is achieved, we will set the second and third goals more actively and save money step by step.
Food, clothing, housing and transportation in life, if you want to spend money when you go out, you have to spend money (after all, mobile phone shopping is too convenient). Money is really useless, so you should control your shopping desire.
No matter what others say or do, everyone's financial conditions are different, but if you really want to save money, you still have to rely on yourself. Your family may not be able to help you, and so may your friends. I can only save money by myself and never get married. If you get married, you have to marry Qi Xin. Otherwise, one person can't keep up with the other.