In life, I can always hear friends around me complaining: how can this month's salary be spent so quickly, and there is still so much time to go before next month's salary, how can this day be lived! If you want to get rid of such a life, you have to start by getting rid of the moonlight!
His friend Xiao Ke was once a member of the Moonlight Clan, living a life of how much to earn and how much to spend every month. Until the previous year, Xiao Ke was sick and hospitalized, needed to do a small operation, and the medical expenses needed to spend more than 10,000 yuan, at this time, Xiao Ke, who was penniless, really couldn't come up with money. I had to be cheeky and ask my parents in my hometown for money to see a doctor. Since then, Xiao Ke has secretly decided to start saving money, whether it is for his current self or for his future self, and not to be a moonlight clan again.
Over the past year, Xiao Ke has become smoother and smoother on the road of saving money, and he also has the first certificate of deposit in his life. She did three main things:
<h1 class="pgc-h-arrow-right" >1, save a sum of money every month</h1>
If you don't do the Moonlight Clan, you have to start by saving money. When Xiao Ke started the savings plan, she used the accumulation method.
The first month put 1000 yuan into the bank card to save, to the second month, deposit 1500 yuan, the third month, deposit 2000 yuan, the fourth month, deposit 2500 yuan, the fifth month, deposit 3000 yuan; the first five months, each month's deposit amount on the basis of the original plus 500 yuan, to the sixth month, each month to save 100 yuan, the next month, according to the extra deposit of 100 yuan to operate. To this day, Xiao Ke's method of saving money has been used.
Small can find the pleasure of saving money through this way of saving money. She told me:
Just start saving money, don't set your goals too high, give yourself half a year to adjust, starting from accumulating less to more. When the amount of money saved reaches the saturation value, that is, the monthly salary is so large, in addition to the money that must be spent, only so much money can be saved. At this time, the accumulated amount is reduced, which can be implemented by accumulating 50 yuan or 100 yuan per month to ensure that more money is saved each month than last month, so as to increase the motivation to save money and save more money.
<h1 class="pgc-h-arrow-right" >2, not moved by the offer, only buy living needs. </h1>
On the way to saving money, the biggest obstacle is impulsive consumption. Every consumption of food, clothing, housing and transportation, beyond the budget, may disrupt the saving plan for the month, so Xiao Ke has summed up a set of his own tricks to keep the budget.
Only buy the necessary goods every month, before the start of the month, Xiao Ke will list a list of necessary items for the month, before going out shopping every time, he will list the shopping list of the time, and shop according to the list, so that Xiao Ke can save a lot of heart when shopping, and also keep the money bag.
In addition to maintaining good shopping habits, Xiao Ke also insists on buying the right items. When shopping, you will not pay for the discount of the goods, but choose the goods you need according to your actual shopping needs at the moment.
At present, Xiao Ke's home is no longer a warehouse for stacking goods, but the items are placed in an orderly manner, so that they can make the best use of their belongings and exert the maximum value of a single commodity. While buying valuable goods and improving the quality of life, you enjoy the fun of a minimalist life.
<h1 class= "pgc-h-arrow-right" >3, you can save more money by making more money</h1>
The process of saving money is like storing water, and the more water you put into the pool, the more water level will increase. In the process of saving money, we make more money, and if the expenditure does not change, the money saved will naturally increase.
Xiao Ke understood the truth that more money can save more money, and in daily life, she began to learn to open source. As long as there is an opportunity to make money, Xiao Ke will try, at the beginning, not much to earn, but a few dollars is also money, Xiao Ke's goal of making money is not to let go of every opportunity to make more money, there is less is more, and the accumulation of less is the key.
She believes that one day she can do the side business income to cover daily expenses, save all the salary income, speed up the speed of saving money, and make the deposit certificate in her hand bigger and bigger.
In life, if we are also like Xiao Ke, suffering from the torment of the moonlight, then start to act from the moment, to do the above three things, and have your first deposit certificate!