At the end of each month, are you like this? [Tears]
If not, then I congratulate you, you have achieved the legendary "financial freedom" and no longer need to worry about money.
If you are a typical moonlight family, then you need some skills to help you "save money", from ancient times to the present, to accumulate wealth, there are no more than two, one is open source, the other is throttling.
Today, we will talk about how to throttle.
First: use paper money
Don't underestimate this tiny movement, everyone has emotions, and will have emotional fluctuations on what can be touched and seen.
When you are out and about, pulling out your wallet and pulling out your banknotes, imagine if you will have a feeling of heartache, a sense of loss, and whether you will feel that "this money is too unused." [Snoring]
Using cash can help you reduce your desire to buy, because paper money is a physical object that can be seen and touched.
If you are using WeChat or Alipay, this sense of loss and heartache will be reduced a lot, because it is a number, the payment process is only a change in numbers, and the emotional involvement is not large, so when spending money, it will not consider so much, and the desire to consume is not so easy to be restrained.
If your income is limited, it is strongly recommended that you stipulate how much you can only spend in a week, for example, if you spend 500 yuan a week, then take out 500 yuan and put it in your wallet. Every time you make a payment, you will find out how much less of your banknotes are, and you will become more and more "heartbroken", so that you can restrain your desire to spend.
Second: consumption bills
Many people don't know why their money is inexplicably gone.
In fact, it is not because your money has disappeared, but that you have not managed it finely, you do not manage money, and the wealth will naturally not pay attention to you.
If you record your monthly expenses, you know exactly where your money went.
You can know what unpredictable expenses you often make, such as dinners, buying electronics, buying clothes, and so on.
Take a look at each month's bill to see where you're spending your money, if it's pretty much what you expected, and what you spend so much that you need to control.
Third: avoid "promotional activities"
Promotions are full of our daily life, whether it is going to work, going home, or going out to play, or you are playing with your mobile phone, everywhere you can see a variety of "big clearance", "big sale", "last three days", "original price 999 now 99" and so on, all "promotions" will tell you, you don't place an order, it's too late, there is no chance. [Cute]
As a result, after some people see it, they will become more and more excited, and they will have an idea, if they don't buy it this time, they will lose a lot. So as soon as my head was hot, I placed an order, and I didn't think about whether I needed this thing or not. What's more, although the merchant has a discount, after all, you still spent money, and you didn't earn it.
My approach is that at the beginning of the month, I will look at the household items and ask my family what we need to buy this month, and I will make a list.
In this way, but I see the promotion, when I want to be impulsive, I will open the phone and look at the items that need to be purchased this month, if it is not in the list, I will resolutely not buy, no matter how preferential, I will always spend money, and it is not free to send.
Fourth: delay consumption
When we see that there are merchandise promotion discounts, be calm, you can use some simple tips to "deceive yourself" and avoid impulsive delays in purchasing.
For example, drink a glass of cold water to calm yourself down, or force yourself to look at something else to distract yourself.
Note: When the idea of buying appears and the item is not in the shopping list, you can put it in your "shopping cart" first, wait a few days, think about it, or ask your family to know if you really need this thing.
Buffett said: Investing is to delay the current consumption behavior, when he wants to buy something, he will first ask himself, is it really necessary for me to buy this thing now? Reduce spending by delaying consumption.
Put the items that are not in the list and you want to buy at that time into your [shopping cart], delay the consumption, and finally you will find that your shopping cart has a lot of things, but your real needs are very little. [Green Hat]
Fifth: price conversion
Everyone will have something they really want to buy.
Boys like electronics, girls like clothes, bags, and so on.
When you want to buy an item, convert the price of the item into your daily wages.
Let's say the dress costs 600 bucks. And your salary is 200 yuan a day, then ask yourself whether it is worth working for 3 days for this dress (without eating or drinking) worth it?
When you want to buy a mobile phone, it costs 4,000 yuan, and you also try to ask yourself, is my current mobile phone really not working? Or maybe you just like the phone.
Of course, you can still buy what you want to buy, but when you buy, ask yourself first, spending so much time to buy an unspeakable thing is not worth it, then you will have an extra layer of consideration when you consume, and you will not spend money casually because of impulse, but carefully think about whether it is worth spending so much time and energy to change this thing.
Sixth: Income planning
Simply put, it is to plan your income reasonably, for example.
10%, invest and create passive income.
10%, pastime or doing something you've never done before.
10% for long-term deposits in case of unforeseen needs.
10%, education funds, used for children to go to school or improve their own abilities.
10%, help others.
50% is used for daily expenses, if you find that 50% of your income is not enough to cover daily expenses, then you have to reflect on your consumption habits.
Of course, you can also self-allocate according to the actual situation of your family.
In fact, living expenses do not need to cost a lot of money, but it depends on whether you are willing to postpone enjoyment and recreation for the sake of the future.
To sum up in one sentence:
Many people can't save money not because of their low income, but because they never plan for their own income, when your income is consumed by impulse, then money is easy to slip away from your hands, and you can't accumulate wealth.