Hello everyone, I am a Gemini who loves making money.
“It’s easy to overestimate the importance of a defining moment, and it’s easy to underestimate the value of making small improvements every day. Changes that may seem small and inconspicuous at first will, over time, become more significant if you are willing to stick with them. Compounded into significant results." - Excerpted from "The Power of Habit"
1. Be prepared for anything in advance
As the saying goes: Never fight an unprepared battle.
There is another saying: Everything is done in advance, otherwise it will be ruined.
This habit may be related to my personality. I don’t like to rush to work. Even if I go to work, I will reserve sufficient time for myself and go to the company ten minutes in advance.
Every month, I plan in advance my estimated expenses for the next month, as well as any large expenses in the coming months.
I basically know the monthly fixed expenses. The big expenses are nothing more than rent, tuition, New Year expenses, etc. Oh, there are also favors. These are basically fixed and will not change much.
Planning in advance like this won’t take much time, but it will allow you to have a better understanding of your financial situation and save you some unnecessary expenses.
I will also plan in advance what I will do next month, or next year's plan, so that I will not be confused or anxious. I will have a plan and I will know my current progress when I do a review and summary.
I plan to start self-media writing in August. This month I will read some articles and books related to operations in a planned way, and then next month I will have extra time to reflect and make adjustments.
Preparing in advance can make me more calm, I will not procrastinate, I will not be short of time, and I will have more time to deal with things.
I like to understand everything in advance. This habit allows me to never be late and handle things with ease.
2. Accounting
I started accounting in 2019. This is the third year. I started to want to keep accounts because I didn’t know where my money was used.
In the past, I had no control over spending money. As long as it was something I wanted to buy, whether I needed it or not, I would just buy it first.
When I found that my monthly expenses were getting bigger and bigger, I started to calculate where my money was spent. After thinking about it for a long time, I couldn't remember what I used a certain amount of money for. Decide to keep accounts.
After accounting, every time I want to spend money, I will open it and look at my savings to see how much money I have spent this month. Is it more than I expected? Should I use Huabei or WeChat? Is this something I will definitely use now? Is it a must-buy?
Relying on these, I saved more than 10,000 yuan in three months after I started working.
3. Reading
This habit of reading really saved me.
For a period of time, I was very depressed. I was in a very low mood. I had no money and a lot of things. But I didn’t have any thoughts of committing suicide. You may not believe it because of reading.
But this reading is not what you think, but reading novels. Yes, I relied on reading novels to get through that period in the past where I now feel stupid.
Many people think that novels are not nutritious, but in the novels I read, the heroines are very self-reliant. In the novel, I came into contact with a lot of unique ideas. From the text, I saw that even the heroine (or supporting character) worked hard in a desperate situation. I think everyone is born towards the sun, and I am no exception.
I have a good habit of reading, which is to think subconsciously.
For example, when I read a farming novel about a battle of wits and courage with the best, I would reflect on it. Do I have any of these annoying qualities? Or maybe there is, and I don't know it myself.
Nowadays, I have tried not to let myself read novels, but instead read some books on growth, parenting, and self-improvement. Because I started writing, I need to increase my input.
4. Restrain desires and delay gratification
Restraining your desires is actually very simple, it is delayed gratification, or just a word drag.
In March, my colleagues and I went to the mall. I saw two very beautiful cheongsams. I tried them on. I liked them very much. The price was not expensive. They cost more than 500 each, so I didn’t buy them.
I found a reason for myself. There may be discounts in the future and it will be cheaper than now. The weather is not hot yet, so I can’t wear it immediately after buying it.
I went there several times in the future, and each time I would check out the two cheongsams I had my eye on. The prices had not dropped, and whether they were still in stock. But until now in July, I still haven’t bought it, because as time goes by, my desire to buy gradually diminishes.
Some people may say, are you really happy like this? Don’t you think this kind of life is meaningless? Is it necessary to be so harsh on yourself?
happy! Because I have experienced the embarrassment of not having money on hand, I think it is really, very important to have savings in hand.
As for the meaning of life, it will not be meaningless just because I buy less things, nor will it become meaningful just because I buy more.
Whether you are harsh or not depends on the individual. I think it is actually good for me to do this. There are millions of people in the world, and no one has the same ideas as others. Everyone cares about different things, so the choices they make are also different, at least for me. I think savings are more important than beautiful cheongsam.
5. Continue to do review summaries
After writing, I started to do reviews, such as weekly reviews, monthly reviews, etc. I have done weekly reviews 8 times, and tomorrow will be the 9th time, and I wrote a second monthly review.
You see, the advantage of doing a review summary is here. I don’t need to spend time on statistics, I already know it.
Another benefit of doing a review is that it lets me know whether I am following my plan, whether I am going astray, whether I need to make adjustments, and whether I can improve.
Regarding the benefits of review, you can go back and read my article:
Only by review will your life be turned around.
Above, good night!
