The old saying goes: Money is not omnipotent, but it is absolutely impossible to have no money.
Most of the facts are more cruel than this. There is no money in the city and I don’t know where to find the next meal.
Therefore, the necessity of saving money is crucial.
With the progress of the times, saving money is no longer a tradition, but a fashion.
So how to save it is this topic that many people are concerned about. There are only two types of saving money: one is to increase the source and the other is to reduce expenditure.
I have seen many people say that you should save money first and you can use the money to invest, which is the so-called open source. But reality often encounters many difficulties.
has a high threshold and is difficult, it is difficult to make money, and it is easy to be deceived, which has become a pain point in saving money in open source.
, and throttling is nothing more than reducing consumption and reducing unnecessary expenses. With the trade-offs between the two parties, throttling is obviously more suitable for us ordinary people.
open source: one is investment and financial management income, and the other is seeking side jobs and part-time jobs.
Investment and financial management will be paid attention to. Often, when novices go, the risks are not only high, but also prone to lose a lot at once. It is simply not worth the gain. The second is to develop side jobs. Sometimes when you come back from work, you have no energy to develop side jobs and work hard to persevere. Instead, you make yourself more tiring than a dog. In the end, you will look carefully and find that the money you earn is not as good as working on the construction site for a day, and investment is disproportionate to your income.
In this case, it is better to work hard and strive for promotion.
The so-called open source is simply a stumbling block that makes ordinary people run into walls. Of course, there are also some powerful people, but most people have to save money if they want to save money.
So how to throttling?
first, the first step is to throttling, starting with spending money .
Although it is said to save money, it is not enough to spend money. After all, we make money to meet our own living needs, so the necessary expenses cannot be reduced, such as social security and various insurances, and we cannot save no money here.
Secondly, it is the consumption of clothes and various snacks. These things are the easiest to attract people. Some clothes are left aside and fallen into dust after buying them without wearing them a few times. In this case, you can reduce the consumption of clothes and do not consume impulsively.
exquisite placing is also unnecessary. The first day I bought it, it looks good, but it is difficult to clean it. It is useless and can only be placed there to watch. It also falls from time to time and needs to be cleaned. It is simply a "scrap" fighter.
The automatic renewal of each platform is also closed first, otherwise it will be a waste. It will be a waste of money. When you want to learn new skills and want to exercise, you can first watch the free video online and then choose whether you want to sign up for a class.
Remember that no matter how good the thing is, it is useless, it is a waste of money. You must learn to spend all your money on the edge. If you persist for a while, your small vault will increase.
Second, accounting, setting expenditure quota.
How much does it cost to have dinner this month, how much does it cost to have a favor, and how much does it cost to pay social security to buy insurance, you must plan it well, and every penny will be kept clearly. Whether it is spending three thousand or four thousand a month, you must record it clearly.
This is what a friend of mine did.
Yesterday I went to social media to check out his account, and he posted that this year, he must save 100,000 yuan. I have saved more than 70,000 yuan now, and there is only so much time before the New Year. I don’t know if I can save it. I counted on my fingers and found that I had to save 8,300 a month. This friend is a cruel person.
When talking about his way of saving money, he chooses to keep accounts. The company canteen he eats has low material desires and never has any extra expenses. With a month plus rent, the stable expenditure is 3,000 yuan, which will never exceed it. The remaining money is saved.
His secret to saving money is only these few sentences: only buy the right one, not expensive ones. Only buy the necessary ones, not the unnecessary
. The biggest enemy of saving money is "impulsive consumption", and you will never spend money impulsively.
Third, remember one sentence: In front of no need, every penny spent is a waste.
As long as you remember this sentence, most people can save money.
Because most of the time, when we shop and buy things, it is very unnecessary.
We can use very cheap things to decorate the home beautifully, so don’t spend a lot of money to buy ornaments.
We are all poor, so we should be careful not to keep pets. We will be more face-saving when we are gifted, but the days when we have no money to eat instant noodles are even more painful.
every minute spent, you have to measure it. You have to think, is it necessary for me to buy this? Even if it is really necessary, you can't use other cheap ones that are easy to use?
Think calmly for a few minutes, but in fact, people’s desire to buy things is not so strong.
Finally, I hope that friends can have more and more small vaults, come on!
