article: Little Moon | Typesetting: Moon Lane
Author of " Nightingale and Rose " Wilde said: "When I was young, I thought money was everything, but now I know it's old, it's true."
Perhaps every young man was Wilde when he was young. We know that money is important and envy the lives of rich people, but they just don't have money.
Philosopher said: No money is the root of all sins in the world. But when we have no way to change our background and family, the only thing we can do is change ourselves, to be precise, change our poverty.
While improving one's ability to make money, it is more important to improve one's ability and awareness to save money, and start the "Save Money Battle", and the money will only increase.
Today I would like to share with you 5 saving suggestions for low-wage girls. I hope everyone can learn the skills to save money while changing the concept of saving money. No matter when, saving money is very necessary.
01. Improve the awareness of saving money
There is a saying: "How much money you make doesn't matter, what matters is how much money you keep?"
There is a saying around us: we have a good job, a high income, exquisite dress, and a life attitude of a rich man.
However, they also have times of embarrassment:
was kicked out by the landlord because he could not afford the rent, and stood helplessly on the street with his bags of luggage;
was able to buy various luxury goods and even had high-interest loans, and eventually they were unable to repay the debt collector's phone bombardment of relatives and friends;
was unable to afford medical expenses and hid in a corner of the rental house with his sick body. He could not afford expensive symptomatic medicine, and could only take cheap but useless medicines for peace of mind.
Especially in recent years, we can personally feel the impact of the general environment on ordinary people: some people are laid off while they are working; some people go to work and company goes bankrupt; some people are cut off their salary...
I can only sigh: Saving money is too important. Everything is uncertain. The only thing that can be confirmed is the money you save. As long as you don’t move, it will always be yours.
Especially for married people who have families with their families, mortgage loans, car loans, support for children, and supporting parents have greater impact.
In this ever-changing era, the most important thing is money, so it is important to improve your awareness of saving money.
02. Distribution and accounting for income and expenditure
specifically believe in one sentence: "When you possess matter, matter will also possess you."
Really, the money each of us earns is enough for life, and the only thing we dissatisfies is our infinite amplification desire.
is often necessary to arrange the income and expenditure reasonably.
The first thing you will do if your salary is paid?
deduct rent or mortgage, daily expenses, shopping, clothes and cosmetics, investment and financial management, enrolling in classes, socializing with friends, and respecting parents.
With these basic plans, the money will be spent with purpose, and it will not be too exaggerated to spend too much.
For example, [ Shark Accounting ] can clearly record every expenditure, and at the same time, you can also set [ overreminder ], which is a urge for those who have no idea about spending money.
is especially recommended for those who spend money on weekdays and want to save money. Try your hands every day to record the income and expenditure situation and clarify the capital trends, so as to avoid the question of "the money is gone and I don't know where to spend it" at the end of the month and the end of the year.
money will not change more and more by itself. What really makes it more is your ability and your consciousness.
03. Reduce unnecessary expenses
will become addicted to spending money. Once you become addicted, this is a bottomless pit.
We are all ordinary people, and we only earn our salary after working hard, so it is necessary to save more money and reduce non-essential expenses.
Reducing non-essential expenses is not to reduce the quality of life, but to learn to streamline your life.
① Avoid impulse consumption
In daily life, in addition to "necessary goods", there are some things you want to buy. You can put them in the shopping cart for a week first. If you still have strong desires after a week, you will buy them to avoid impulse consumption caused by temporary freshness.
After less impulse consumption, you will find that not only save money, but also make a lot of space for your family, killing two birds with one stone.
②Learn to compare prices to consume
. You can not only buy better ones, but also find the cheapest ones.
for less money, buy the same thing, why not?
don’t have to feel embarrassed. When you really become [a little expert in saving money], you will find that many friends will also ask you about the tips and tips of saving money. Those who laugh at you are just people who are sour and don’t think you are going better and better.
③Avoid blind consumption
What is more terrifying than impulsive consumption is blind consumption.
Blind consumption will make you spend a lot of money without realizing it and buying a lot of things that you don’t really like or really need.
money is not only earned, but also saved. Reducing expenses and saving money hard is the kingly way.
04. Increase income channels
We often hear people say: "Money is earned, not saved."
However, relying on a dead salary alone, you can't make more money, nor can you save money.
How to increase revenue channels and make more money?
①Develop a side job
It is recommended that friends who have spare time and energy can develop a side job according to their own advantages, interests, hobbies, etc.
Like self-media, it is a hot choice.
②Learn financial management
You don’t manage your finances, and your finances ignore you.
"Let money make money" is the fastest way to achieve financial freedom.
Being rich means being confident, a sense of security, and a ability to resist risks.
I believe that this world will not treat everyone who works hard to make money and live hard.
or above, encourage them together!
