In 2014, the girl who just started working, "Tang Tang", opened a post recording daily expenses, unexpectedly, she insisted until now, it has been more than 6 years.
In 6 years, she started from more than 20,000 savings in her hand, a little savings, a little accumulation, and bought a house in the city where she lived.
One of the experiences that made many netizens sigh was that the down payment exceeded the budget, and she borrowed 210,000 yuan from her parents, but she did not feel that the money owed to her parents was taken for granted, and still tried to repay the money.
She clearly recorded that by February this year, she still owed her parents 119,000 yuan.
She asked: "If you suddenly lose your job, how long can you live comfortably?" ”
Someone said, "If you lose your job tomorrow, you can at least live for two years normally, no, you forgot that you still have a mortgage to pay." ”
Some people said, "If you don't have a job and a living standard according to the current price and living standard, it will be no problem in seven or eight years, not to mention that my family still has a teammate who makes money." ”
"This year I began to be dissatisfied with my work, I want to completely change the track, and the deposit is the confidence that I, a middle-aged man, want to make a big change."
Life is full of unpredictable risks, large and small, an epidemic has changed the consumption concept of countless people, and it is so important for people who are drunk today to know the anti-risk ability built by the number of deposits.
In "The Road to Wealth Freedom," author Morton Shi Chuanqi said: "The vast majority of people's path to wealth freedom is not to start a company, go public, or sell to a larger giant, they are just countless news materials, and most people can do in wealth freedom: work for others, live within their means, and invest wisely." ”
At the same time, Morton Shi Chuanqi also proposed 10 ways to save.
01.
Shop wisely.
Before shopping, make a list and buy only what is on the list.
When encountering special promotions, only buy those things that can be stored and must be purchased in the future, if it is a box of candy is being promoted, the more those are sold, the more they consume health, or be rational.
02.
Spend more money now so that you can save money more in the future.
That cheap and nice-looking frying pan looks good, but if the coating is gone next month, you'll have to throw it away.
In the long run, quality products have a longer lifespan and can save more money, so spending more money now and choosing foods that are beneficial to physical health may save money in the future.
03.
Purchase second-hand items.
Most people who resist second-hand items are because they hate the word "second-hand", but the value of many things lies in use, not in propriety.
The renovated old furniture has many characteristics, and the reuse of old things also has many benefits for the environment.
In several large categories of second-hand transactions, mobile phones, computers and other electronic products account for a large part, luxury goods, light luxury products are also the choice of many young people.
You know, valuable things have second-hand value.
04.
Don't rush to buy the latest technology products on the market.
Mobile phones, cameras, computers and other digital devices, the update speed is getting faster and faster, the new model camera bought last year, this year will have higher pixels, more functions of the product.
Although there are many new gimmicks on the latest market, most of the features may not be useful to you, and you can save a lot of money by waiting a little while.
05.
Enjoy more public services such as libraries and museums.
Libraries and museums everywhere are "treasures" for weekends, and there are often free open events such as lectures and concerts, and more importantly, free knowledge is provided for you, and you don't have to pay for reference books, dictionaries, and encyclopedias.
06.
Don't spend money on exercise.
While some people have to spend money on a gym annual pass to have the motivation to exercise, the more free way is to exercise locally if the conditions around you allow.
Free sports grounds, in exchange for a better body.
07.
Maintain good health.
Staying healthy is the best way to save money, and know that not everyone naturally has a healthy body. A lot of people have a healthy lifestyle, no bad habits, but they have a disease, and to some extent, health is like a random game, but there are things you can do to improve the probability of getting it.
For example, if you don't overdraw your health because of smoking, overeating, and alcoholism, the more good habits you have, the lower the probability of paying for your health.
08.
Refusal to gamble.
People say that small bets are pleasant, big bets hurt the body, but all those who go to "big bets" start from "small bets".
Whether you're betting on a lottery ticket or a ball game, losing is a high-probability event, and the outcome is uncontrollable.
Gambling is easy to indulge, and when you indulge in this time, you become its slave.
09.
Do it yourself.
Spending money to buy things, many times is to let others do something that should be done by themselves instead of themselves, such as buying a rice ball to eat at a convenience store, someone cooks rice, kneads it into rice balls, sends it to a convenience store, and is purchased by us.
We save time, but what do we do when that time is saved?
Maybe just brush your phone.
At the same time, we also lost the pleasure of making a rice ball.
If we choose to do it ourselves, you can choose better raw materials and acquire the necessary life skills.
10.
Finally, drive slowly.
It may seem like nothing to do with saving money, but it represents a rhythm of life.
Driving slowly, maintaining a long distance from the vehicle in front of you, and braking less sharply can reduce the wear and tear on the car and avoid the incidence of accidents as much as possible.
More importantly, the mindset of driving slowly will give you the ability to withstand stress.
An added benefit of saving money is time savings.
The same is shopping, we spend more time choosing clothes than buying food, because food is a necessity, we have a clear goal, and clothes are more often non-essentials that are icing on the cake, and it can be bought or not, so it will consume more of our time and energy.
Many things are not essential, and buying them will only take up your time, your space, and cost you money.
You can spend the same amount of time with your child, playing games, studying, or exercising with him.
Before every time you shop, don't ask yourself "Do I want to have this?" but "Can I live and work comfortably without it?" ”
If the answer is yes, don't buy it.
As Benjamin Franklin put it, "Small expenses should be calculated more, after all, a small hole can sink a big ship." ”
For a long time, saving money was always equal to the stinginess, and as everyone knew, the freedom of life, only saving money can give you.
Saving money is minimalist, restrained, self-disciplined, meticulous in every expenditure, and it is a trace of serious life.
The more you are in an environment full of uncertainty, the more you must cultivate your internal skills well.
The so-called internal strength, one is good health, obtained through a healthy lifestyle; the second is spiritual abundance, obtained through the habit of reading and learning; the third is economic freedom, which is obtained through the growth of income and savings.
Click "Watching", keep reading, and save money.
Author | Kale, write other people's stories well, live your own life.
Image | Visual China