Since three years ago, because something suddenly happened, I understood the meaning of saving money, and from that moment on, I went out to work, make money, save money. In the past three years, looking at my wallet, it has become thicker and thicker, and I have some joy in my heart.
Share my experience of saving money:
1. In terms of consumption
Buy only good things, don't buy more, don't stock up on a large number of goods, especially skin care products and cosmetics, buy them when they run out, and don't buy them again when they are used up.
When you come across something you like, set a cooling-off period for yourself, and then consider buying it again after you have passed, so as to minimize impulsive spending.
Drink less milk tea and eat takeaway, a cup of milk tea costs more than a dozen yuan, drink one less a day, you can save hundreds of yuan a month, don't look at these hundreds of small dollars, a year, but thousands of yuan. Cooking your own meals as much as possible not only reduces your food and beverage expenses, but is also good for your health.
2. Learn to keep accounts
Bookkeeping also allows me to know exactly where my expenses exceed my budget, and if I review them regularly, I will find that many of them are unnecessary expenses, so that I can effectively control my expenses. In the past, I used to use the handbook, but the handbook is more troublesome, and the categories are more confused, and then I used the bookkeeping APP, which is Yiji, and each income and expenditure of Yiji can be selected from the category, such as: catering, work, life, personal, fruit, etc. The account is also divided into internal and external transfers, so you don't have to worry about the money not being matched. Income and expenses are shown at the same time, and missing accounts can be made up. You can also generate a report that allows you to see your total income and total expenses for each month, and the total income and total expenses will also show you the total amount of your expenses in each category. In this way, you can see which type of money is spent more every month, and whether this kind can be spent less, which is the charm of bookkeeping, which can help us reduce unnecessary expenses and let us know where the money is spent.
Although I don't have a lot of money now, as long as I keep money and keep accounts, my wallet will slowly get bigger. I will also update my savings plan from time to time, so you can see how much money I can save in the future.