Why do we always can't save money, why can we only envy others for having money, but we often have empty pockets, in 2024, learn some ways to save money, and no longer be in a dilemma because of lack of money.
1. Make a good consumption budget
Spending money every month is like running water, there are too many daily living expenses, and the money earned is simply not enough to spend.
During the month of the Chinese New Year, how much money is prepared to be spent on daily expenses, make a budget in advance, and spend the money that should be spent, and don't spend any money that should not be spent.
Make it a habit to keep a record of all your expenses every month, so you can know how much your household spends in a month.
By looking at the consumption records of several months, you can know how much you spend each month, excluding fixed expenses, plus some items that need to be consumed in the current month, you can make a consumption budget for the current month in advance.
Spending on a budget, I found myself no longer actively looking for things to spend, but thinking about how much money I could spend this month and how I could not overspend.
Look at the food, eat, watch the money and spend it, be aware of the consumption budget, and prevent yourself from spending money indiscriminately.
2. Make a purchase list in advance
The long-awaited Spring Festival is coming, and you can make another wave of big purchases, and there are really a lot of items that need to be bought.
Accompany parents to the vegetable market, accompany children to the shopping mall, there are a wide variety of goods, eating, drinking and having fun, how can we buy what we need from many goods.
I remember when I was a child, every time the Chinese New Year was approaching, before my parents were ready to go to the street to do New Year's goods, they would take out a small book and list the items that needed to be bought one by one.
At the time, I just thought that this was recorded for the convenience of purchasing, so that I could buy all the items I needed at once.
Now, I find that the way my parents recorded it was not the way we talked about making a shopping list in advance, and although many years have passed, this spending habit is still very useful.
Listing the items to buy is not only for the convenience of shopping, but also allows us to achieve accurate consumption, buy back the items we need, and don't buy what we don't need, saving money and worry.
3. Manage your savings account
I have two accounts, one for spending and one for savings.
The consumption account puts the money of the monthly consumption budget, and uses a special account to spend, which is easy to manage.
The savings account is to deposit the money saved every month into this account, so that it can be deposited on a monthly basis.
In the early stage of saving, we do not have much money at our disposal, and the amount of savings is not much, so don't consider too complicated ways to save money, fixed deposit is a good choice.
For this savings account, we have to deposit money into it every month to ensure the smooth implementation of the savings plan, and at the same time, we can also check regularly to see how much money we have saved and encourage ourselves to continue to save money.
We have a firm determination to save money and a lot of motivation to save money, so that our savings account can snowball.
4. Save big money and small money together
I accidentally opened my wallet and found that there was still a sum of money in it, which was really surprising and delightful. If you think about it, is there any bank card that has money in it that has been forgotten.
For the small money in daily life, we should not let go, as long as it is money that cannot be used at the moment, we will save it in time to facilitate the centralized management of funds.
We will put the paper of the express delivery together, and then take it to sell, sometimes for 3 yuan, sometimes for 5 yuan, sometimes for 8 yuan.
For the money sold, I will concentrate it in the child's piggy bank, although it is all small money, but the small money has a small money saving method, and the small money can be deposited into the child's bank card, and the small amount can be added up.
As long as we observe carefully, we can find that there are still a lot of places to save money in life, as long as we are a caring person and do a good job of saving money, we will not worry about saving money!