The reason why many people can't save money is not because of low salary, but because they don't know how to manage their finances.
To be honest, in my parents' time, they were frugal and could save a lot of money every year.
Our standard of living has improved significantly, and we are better off than our parents, so it is impossible not to save money.
Next, I will share a few ways to save money painlessly, even if the monthly salary is 3000, you can easily save a sum of money.
1. Fixed storage
If you want to save money, you must develop a good habit of fixed storage.
After the monthly salary arrives, we should take out a part of the money and deposit it in the card, if you have poor self-control, you can make a regular passbook, only save but not withdraw.
This money cannot be touched unless it is absolutely necessary, and as for how much to save each month, this can be calculated according to your income level.
For example, if I am 5,000 yuan a month, I will take 2,000 yuan and deposit it in the card, which can not only ensure the quality of life, but also save more and more.
2. Control overhead
If we want to save money, controlling spending is the key, we must learn to consume rationally and avoid blindly following the trend.
I have a cousin who can't help but buy and buy after receiving her salary every month, and she has worked for 7 years and has no savings so far.
After getting married, various loans came every month, and I slowly learned to control my expenses, for example, takeout became cooking at home, and milk tea was replaced by mineral water.
Now you can save an extra one or two thousand yuan every month, and the child's milk powder money is completely enough.
3. Less comparison
In life, we will always encounter various temptations and comparisons. For example, when we see others buying new mobile phones and new bags, we also want to follow the trend and buy them.
But we need to understand that everyone's living situation and needs are different, and blind comparison will only lead us into an endless consumption vortex.
Only buy what you really need, you must not buy products beyond your financial ability for vanity, saving more money is the last word, no one looks at you because you wear famous brands.
Life is lived for oneself, not for others.
Fourth, adhere to bookkeeping
Bookkeeping is a very good habit that helps us to know exactly where each piece of money is being spent.
I usually use the Excel sheet on my mobile phone to keep accounts, how much money I buy every day, how much I eat, and after I pay the bill, I will go to the machine immediately.
At the end of the month, there is a summation formula in Excel, and all the expenditure data is clear at a glance.
Of course, if you use bookkeeping, you have to stop your credit card, otherwise it will make us spend ahead of time.
5. Invest in yourself
In addition to fixed storage and controlling expenses, we can also grow our wealth by investing in ourselves.
Warren Buffett said: The best investment for human beings is to invest in themselves. Only by investing in yourself can you bring some benefits.
With a monthly salary of 3,000 or less than 3,000, it is still a bit unrealistic to rely on this salary to grow your wealth, so you can only "open source".
For example, reading more books and learning skills are all ways to invest in yourself, and after learning a certain skill, you can get a promotion and a salary increase.
For example, I like to write, and after work, I spend 2 hours a day writing articles, and I can earn thousands of dollars a month.
In addition, we also need to maintain good health, such as exercising more every day, not staying up late, eating less takeout, and eating more vegetables and fruits, so that we can reduce the number of visits to the hospital when we are in good health.
Saving money painlessly is not a difficult task, as long as we develop the above habits, one day, our wealth will grow slowly.
With a monthly salary of 3,000, you can easily save a small treasury!
That's all for today's sharing, the above encouragement, the picture is from the Internet, invaded and deleted.