In fact, ordinary people have been fighting for money all their lives! I only realized that money is really omnipotent, especially for girls.
It is your courage to say no to all the unhappy life!
Today I will talk to you about how I saved money. Don’t tell others secretly!
1. Correct your consumption concept
Consider the following points before buying
1. Dispensable, don’t buy
Check out the frequency of use of such things. If you use them once a month or even basically don’t use them, you can pass
2. Be sure to buy, buy the best
never fall behind, buy what you want most, and buy the best and most expensive within your tolerance range.
refuse to replace the substitution! Reply to replace the substitution again and again
3. Do you really need it?
What do you want to buy? Put it in the shopping cart first. If you think about it every day within a week, then buy it decisively.
If you forget it later, then next time you open the shopping cart, decisively delete it
if you don’t have money, start saving money immediately!
2. Save money efficiently
Control your expenditure
1. Make good use of various discount tools
. Sisters who love online shopping should especially focus on it! !
This is a small method I have used since my freshman year. Don’t pay directly when buying something on Taobao. Go to find its hidden U-wife first.
For example, if you enter this 3CE directly, it will be more than 100, but only more than 10 are required through this method!
In fact, it is not just this, 90% of things can use this method!
You can take a notebook to record it, or you can log in to this official number Z now, it’s really awesome! 99% of the peers don’t know
2, close credit card
Close your Ant Huabei, JD white sticks and major credit cards. In advance consumption is the culprit for you to spend money unknowingly
3. Forced deposit money
to get a salary, immediately save 10%-20%, and immediately save 50%-70% after getting a huge amount of money.
deposit cards should not be bound to mobile payments, and then hide them in a place that is difficult to obtain.
Don’t be too happy if you have money!
3. Learn to manage finance
After sleeping, income
1. Banks buy financial management
Look at the end of the month, the end of the quarter and the end of the year when banks are making up for their performance. There will be a bunch of products with high interest rates on each bank app
2. Low-risk funds
work hard Alipay WeChat and major banks can buy it. Novice recommends buying bond funds and index funds, just invest in fixed investment without any brains.
has certain risks. If you want to buy it, be prepared to hold it for 3-5 years.
3, savings insurance
5 configuration order: medical insurance → critical illness insurance accident insurance → life insurance, 4 insurances can protect our accidents and diseases.
The younger you are, the cheaper the premium is. It is recommended to buy early, and do a good job in retirement and ensure the prerequisite for creating wealth
4. Improve wealth view
Do things first, then make money
1. Find the field you are good at and do the best
When you have no money, first try to find the foundation of your life, save money and make money, and keep improving the field you are good at, and you will not be afraid of losing money to come to
2. Believe that time
saves 0-100,000 to 100,000, which may take a long time, but for the same amount, as long as you have accumulated experience at the beginning, and then index levels of 10-20, 20-30, your wealth will be like a snowball, and the more you roll
3. Actively learn
Financial management and investment are not something you can do, you will do it immediately. You need systematic learning + continuous practice.
The process from 0 to 1 cannot be smooth, but it can train your mind and be calm
