After self-reflection and summary, I have found some spending habits that help you accumulate wealth, and I would like to share them with you:
First of all, adhere to the principle of "save first and spend later". Whenever I receive my salary, I give priority to saving a portion of it in the bank, and my current savings goal is to save $4,500 per month, and the remaining $1,500 for daily expenses. Since my husband's company provides free lunch and dinner, the 1,500 yuan is enough to cover our basic living expenses.
Second, I was alert to the so-called "latte effect". There was once a couple who had to drink a latte every day, which seemed like an inconspicuous expense, but it was a huge expense in the long run. Therefore, I try to avoid unnecessary daily expenses, such as bringing my own water bottle and eating out less often, so that I can not only save money, but also stay healthy.
Furthermore, I tend to have a "one-step" consumption concept. When it comes to buying goods, I choose the one I want the most within my means, rather than choosing the sub-optimal one because I have a limited budget. While it may cost more when buying for the first time, it is actually a more economical option in the long run to avoid secondary consumption due to poor quality.
In the end, I chose to cook my own food instead of ordering takeout frequently. Buying ingredients for a takeaway meal can make several delicious home-cooked meals that are both economical and healthy. It is also a good option for office workers to bring their own food to work, so that they can save a considerable amount of money over the course of a year.
I hope these methods will be inspiring and helpful to everyone. If you have similar savings experience or experience, please leave a message in the comment area to share. Don't forget to like and follow me, and we'll see you next time we share!
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