Small family, how much do you spend every month? Do you often feel that everything is going up except your salary?
Especially small families with children should be particularly sensitive to prices. Every day they open their eyes and face the cost of firewood, rice, oil, salt, sauce, vinegar and tea. When they get home from work, in addition to the basic expenses for food, clothing, housing and transportation, there are also tuition fees for child care classes. It is like being chased by money every day.
Because of this, it is very important to increase revenue and reduce expenditure. Increase revenue depends on hard work and luck, but you can rely 100% on yourself to reduce expenditure. Quickly follow our COMBO money-saving tips, and you will be able to increase your salary every month.
5 secret tips to save money, practical tips that you must remember!
COMBO1: Don’t forget discount coupons/discount codes
Did you know that stock god Buffett also doesn’t forget to make good use of discount coupons when making purchases? If even the top rich are using it, why shouldn’t you?
For example, when I recently shopped at Dinghao Supermarket, I received a 30-yuan cash coupon when I spent 300 yuan or more. I received a 30-yuan cash coupon for my next purchase of 150 yuan or more, which is equivalent to a 92% discount on my consumption. Moreover, 150 yuan is too easy to achieve in the supermarket. Buying a bottle of family-grade fresh milk is more than enough!
If you want to save more, you might as well use "Mobile Payment + Credit Card Rebate".
For example, if Jiekou Pay is bound to high-rebate cards for online shopping such as Mega e-Swipe and Taishin @GOGO, you can get up to 4% and 3.5% cash rebates respectively. If you use the Yushan icash co-branded card for 5 transactions of 699 yuan in the month, you can enjoy 5% rebate when you bind it to Jiekou. In addition, Jiekou itself has a 2% Jiekou currency reward at the top. It is equivalent to using mobile payment + binding a credit card, and you can get up to 7% more rebate, and Jiekou currency can be directly discounted at checkout, which saves another sum.
COMBO2: Points accumulate, a little makes a lot.
point economy, are you keeping up? For daily consumption, in addition to the earliest collection of sticker points to exchange for gifts, there are now points for collecting electronic tickets. Whether it is for taking public transportation, small purchases at supermarkets, purchases at mass merchandisers, or online shopping, there are various collection points, and some points can be directly used as cash (such as Line Points).
Some points can be redeemed for products, ranging from mugs to practical small appliances, coffee or even department store gift certificates, as well as other e-commerce platform coupons. For example, OPEN POINT points can be exchanged for value-for-money ibon mart or blog gift certificates from the same group. Points collected from 7-11 consumer stickers can often be redeemed for buy-one-get-one-free discounts on Starbucks or CITYCAFE coffee; or MOS Burger is a value-added burger, and you will receive gold points when you reach the full limit, which can be exchanged for burgers, fries, drinks, etc. Sometimes a meal can be easily settled with points. Don’t forget to take advantage of these easy ways to save money!
If you are more careful about your budget, you can also calculate the most cost-effective way to redeem it among the many point economies? For example, for HappyGo points, there are better redemption plans during the 6th anniversary celebrations of Yuanqi, Far East Department Store or SOGOhtml. Or currently, at FamilyMart convenience stores, there is a 10-point HappyGO redemption event for 10 yuan. The method is to redeem at FamiPort at 10:00 every morning before 2018/01/02. Each denomination is limited to 200 sets of per day.
There is no need to cut down on clothing and diet, it’s super easy to save a travel fund with these four tips!
COMBO3: Don’t miss special events
Whether it is a physical or online retail store, they often run limited-time promotions. It is usually a good time to grab a bargain. Just pick up your computer and click on it! In the
physical store, take Shin Kong Mitsukoshi's anniversary specials in supermarkets as an example. A box of matcha sandwich biscuits is originally priced at 68 yuan, with a special price of 78 yuan for two pieces. Seaweed rice crackers are originally priced at 105 yuan, with a special price of 63 yuan. Ogawa filter coffee 8 pieces are originally priced at 225 yuan, with a special price of 149 yuan. Afternoon tea with good friends totals 290 yuan, and now you save 176 yuan.
If you use Line Pay my barcode to check out, you can enjoy an additional 9 Line Points rebate, which is equivalent to 9 yuan in cash rebate. You can also use the Shin Kong Mitsukoshi membership card to collect points, or use other credit cards to accumulate points for anniversary celebrations. The
online platform is a good friend for finding treasures. For example, when planning overseas travel during winter and summer vacations, it is often a time when small families are financially strapped. If you are an HSBC or HSBC cardholder, you can take advantage of the up to 5% discount for online booking offered by the cooperation between HSBC and China Airlines.
Don’t underestimate this 5%. If a family of four goes abroad during the peak tourist season, with an air ticket of RMB 80,000, it will save 4,000 yuan. In addition to the benefits of the credit card itself, such as the 1.22% cash back rate of the HSBC Cash Rewards Royal Seal Card, or the discount on accumulated China Airlines mileage using the HSBC China Airlines co-branded card, you can make good use of the discounts to save travel expenses.
COMBO4: Become a member and track LINE friends or fans of specific merchants to avoid missing out on special offers
"New retail" is one of the hottest topics in 2017. How to combine online and offline and exchange what is needed. Many merchants think of using Line or APP promotion methods to issue discount coupons or special offers to reach target groups. As smart consumers, know how to use digital media channels and not miss out on the latest offers, so you can save more than others.
COMBO5: Diligent accounting, planning consumption
Finally, diligent accounting. Everyone knows that accounting is very important, but accounting is also a tedious task. Just imagine listing the expenses for food, clothing, housing, and transportation in life. How much perseverance is required to do it?
Fortunately, in the FinTech era, many APP tools can reduce the pain points of financial management, such as the KOKO digital account of Cathay Pacific Bank. In addition to the automatic import of credit card and all-in-one card details, electronic invoices can also be automatically recorded after scanning and automatically matched. There is no excuse for saying that accounting is difficult.
In addition, you should always pay attention to the price of the product. Over time, you will have a certain price sensitivity for the item. When a discount price appears, you can start quickly and accurately, and use every penny wisely to make consumption more valuable!
