As the saying goes: "You can't eat poor, you can't spend poor, and if you don't plan, you will be poor." There are many people who lament that they come out to work after graduating from college. Obviously, the monthly income is more than 10,000, but the deposit is very small.
I don't usually buy anything valuable, and my salary income is okay, as well as various housing subsidies, lunch subsidies, and so on. However, why can't you save money?
Later, I found out that it was because there were many bad habits of leaking money in life, so it was no wonder that I couldn't save money. Today, I will take stock of 16 "bad habits of leaking money" with you, and I hope you don't have any of them. If there is, you should change it as soon as possible.
1. I always want to take a taxi when I go out, and I don't want to squeeze the bus and subway
Squeezing buses and subways is the best way for many office workers to travel. Because there are many people to choose from, it will be crowded, and you will need to go to the designated station to get on the bus. In order to save trouble, many people are reluctant to crowd buses and subways, and go out to take a taxi directly.
The price of a taxi is nearly ten times more expensive than that of buses and subways. Occasionally, it's okay, but if you often go out and take a taxi, it's also a big expense.
2. Unwilling to cook, rely on takeout for three meals a day
Takeaway is not only unpalatable, but also not nutritious, poor in hygiene, and crucially expensive. With the delivery fee and packaging fee, it will cost at least about 20 yuan for a meal.
Many people are reluctant to cook for themselves on the grounds that they are busy with work, and rely on takeout for three meals a day.
In fact, dinner and breakfast can be eaten at home, and lunch can also be packed and brought over. Not only is it healthy and hygienic, but it can also save at least hundreds of dollars a month.
3. Drink milk tea and coffee every day
I have a lot of friends around me, and what I must do when I go to work every day is to drink milk tea and coffee.
A cup of milk tea and coffee is generally around 10 yuan to 20 yuan. Even if you drink 20 cups a month, it will cost two or three hundred yuan, and it will cost thousands in a year. The most important thing is that drinking milk tea and coffee for a long time not only costs money, but also is not good for your health.
4. If you don't know how to refuse, you can buy what others recommend
Some people don't know how to say no, even if they don't need it at all. But because of the situation, they will buy it hard.
Not only is it a waste of money, but it also takes up space when you take it home, and it is a pity to throw it away. The most important thing is that the other party does not necessarily understand your situation, and even feels that it helps you recommend what you need.
5. I always want to buy "replacement", but I end up spending money again to buy it again
I have such a friend around me, I see a certain pair of shoes, bags, and clothes in a specialty store, and I feel like it. But when I see that the price is quite expensive, I will try my best to find a high imitation to replace it.
As a result, the effect of the replacement is not good, and then spend money to buy the original product again. This led to the fact that the money for the replacement was also spent in vain, and an additional loss of several hundred yuan was lost.
6. It's troublesome, and I never bargain when I buy things
Many people buy things and are not used to haggling. Some are troublesome, and some are thin-skinned and can't open their mouths.
Especially when buying things in stalls and small stores, the moisture quoted by merchants is really oversized. For the same piece of clothing, the merchant quoted 100 yuan, and we were embarrassed to bargain and bought it directly. After a while, someone also bought the same clothes and came out, and when I asked, I found out that they had taken 50 yuan.
Don't believe what the boss says "I didn't make much", basically I earned several times. Therefore, when we buy something, we casually cut the price, and it is money to cut more and less, and we can save a lot of money in a year.
7. Look down on small money, and buy things for more than ten or twenty yuan
Money is not spent, many people think that small money does not matter, every time I go shopping, I see a dozen or twenty yuan of things, and I buy them casually.
"If you don't accumulate steps, you can't reach thousands of miles, and if you don't accumulate small streams, you can't become rivers and seas." Don't look down on small money, waste 20 yuan a day, 600 yuan a month, and 7,200 yuan a year.
8. I often buy clothes that I like, but I can hardly wear
There are many people who have to wear work clothes and uniforms when they go to work. I can't usually wear the clothes I like, but I don't want to treat myself badly, so I buy the clothes I like when I see them.
These clothes have very few opportunities to be worn, and most of the time they are hidden in the closet. Don't buy too many of your favorite clothes. I usually can't wear it, I put it in the wardrobe to take up a place, and the money I spent on buying clothes is wasted.
9. The things purchased online are not suitable, but they are too lazy to return them
For the vast majority of young people, online shopping is a regular thing to do. When we buy clothes and shoes online, we find that they don't fit. Because there is not much money, I don't bother to return it. These inappropriate things, I feel a pity to throw them away, so I just put them at home.
In doing so, it is not only a waste of money, but also takes up space. Over time, it is also a big expense.
10. When you see that there is a full reduction activity, even if you don't need it, you have to make up enough for the full reduction amount
In order to promote consumption, many businesses like to do some full reduction activities. Many times, in order to make up the conditions for the full reduction, we will choose some unnecessary things to make up the full reduction amount.
In the end, we found out that we spent more money than expected, and we didn't need the things we bought, so we put them at home and took up space.
10. I like to stock up
During the epidemic, many people have developed the habit of hoarding goods. Or, some people will take advantage of the activity to stock up on more things.
However, when we see hoarded things that expire because they can't be used up, I feel like it's a waste and it's not worth continuing to do.
12. Members who have enabled auto-renewal for "Wool" have forgotten to cancel it
Nowadays, many software such as film and television, music and so on need to open a membership to enjoy. In order to attract others to sign up for membership, the basic ones come with an auto-renewal function, and the price for the first month is super low.
Many people think that the first month of auto-renewal is so cheap that they can't help but open it. But then I forgot to turn off the auto-renewal function, and I paid according to the normal membership fee every month, which cost a lot of unjust money.
13. When you see something on sale, you impulsively place an order
When we go to the supermarket and see some discount activities, we will impulsively place an order. Originally, I wanted to buy a bottle of drink, but I ended up spending hundreds of yuan to buy a lot of things at home. In the end, I can't finish it, it expires, and the loss is greater than the strength of the discount.
14. I often stay up late, take medicine and go to the hospital more and more often
If you want to save money, you must put your health first. If you often stay up late, you will overdraft your body for work. The money earned is not enough to go to the hospital and take medicine.
15. I signed up for a lot of courses, but I didn't learn them
When you have a whim, you want to work hard, and you sign up for various courses as soon as your head is hot. These courses cost money, and when the enthusiasm cools down, there is no interest. The money for signing up for the course was wasted.
16. Never keep accounts, no plan for money
As the saying goes: "You can't eat poor, you can't spend poor, and if you don't plan, you will be poor." Everyone should get into the habit of keeping accounts and probably know what they are getting and spending each month.
I don't know how much money I spend, but I always think that I am very frugal. At the end of the month, I found out that my pockets were empty again.
Develop a good habit of bookkeeping, and if there is no money left at the end of the month, review where to spend more money. Save what you shouldn't spend, and you can slowly fill up your wallet.
Summary at the end of the article
How many of the above 16 bad habits of leaking money have you fallen into? Get rid of these bad habits of wasting money and accumulate a lot, so that you can make yourself richer and richer.