Can you expect to save money by saving money? What are your effective money-saving habits?

Can you expect to save money by saving money? My answer is great! I have too much say in saving money. As a "stingy girl", today I will share with you five money-saving skills that are not painful, and hit the nail on the head! ! ! It is painless, which will not only make you feel that your consumption is limited, but also increase your happiness in life and save money easily.

The first trick: friends who arrange bills and keep accounts should not have this problem. How much they spend every day and every month is clear. Do you have accounting software? Money, shark bookkeeping, notes, etc. Can you also make it yourself? excel？ Table bookkeeping. It doesn't matter if you don't keep an account. You can see the details by pulling the bill. Electronic payment is so developed that it is quietly recording everything.

After getting your own bill details, take five minutes to classify them simply.

Can be roughly divided into two categories:

Fixed expenditure: necessary expenditure, without which you can't live and work, such as daily diet, transportation, communication, water and electricity property fees, etc.

Flexible expenditure: expenditure that can be spent or not, and expenditure that can be more or less. For example, go out for dinner, watch a movie, buy some snacks, buy some clothes and so on. After sorting out, I have an understanding of my own expenses, know where all the money has been spent, and know which parts can be saved.

Take myself as an example. After pulling the bill for three months, I saw the hardest hit area of my consumption:

Catering: I don't like cooking. I order takeout from Monday to Friday, and I order takeout when I am lazy on Saturday and Sunday.

Transportation: sometimes driving and sometimes taking a taxi, gas fee+taxi fee.

Beauty: I like hoarding goods. I always buy "big brands" of skin care products, and I may have paid a lot of "IQ tax"

Sports: I like sports. I bought a street dance class and a group practice.

Think about it, which of these can be saved and which can't?

Catering: I really don't have time to cook when I'm busy at work. Let me cook when I have time. Going to the supermarket to buy a dish, listening to blogs while cooking at home, cooking has become fun.

Transportation: It costs only 1 yuan to go to work by bus, but what about taking a taxi? 20? Double the price. Get up early every day? 10? Minutes, can you save it? 20 bucks.

Beauty: It's simple, break the prejudice, believe in domestic products, such as sun protection, choose a domestic brand, save half the money immediately, and the effect is not bad.

Exercise: I want to share with you how to pay for myself wisely and ask myself a few questions: Do I need this thing? Is it the need of healthy growth or vanity? Do I like this thing? Do you really like it or do you like it just like others? Does this thing fit? Is it in line with my spending power and my current living conditions? After thinking about these problems, I found that exercise is really "I need it, I like it, I am suitable". This part of the money is not saved. Let's exercise happily. Good health is very important.

The second trick: do things first and then reward everyone. If you want to form a new habit and do something, you should buy equipment first. Add it up when you buy, you will feel happy when you buy equipment, and you will do things better. But it often backfires. Things are bought and money is spent. Finally, it proves that things are hot for three minutes and give up halfway.

Because this idea is simply wrong and does not conform to the logic of psychology. In fact, forming new habits is similar to taming animals. Have you ever seen anyone who rewards first and then trains? It's a complete waste of small fish.

The correct logic is to start doing things or forming habits first, and then tell yourself, if you persist smoothly for a period of time, for example? 30? God, just buy yourself one? XX .

If you didn't do anything just now, you will be rewarded, and the motivation to do things will actually dissipate. You may stick to something new for a while, but it doesn't last long, basically only three days.

In contrast, if you do things first, achieve a certain goal, and then reward yourself with something, you can form a positive feedback closed loop. If there are unrealized rewards, it will continue to pull you to complete this task. After you successfully accomplish your goal, you will be fully sure that you will definitely use this consumption, and you will have a special sense of accomplishment when you consume it, which will further promote you to do better.

If the final goal is unfortunately not completed, congratulations on your success in saving a useless consumption.

I first learned this skill from the book Soft Skills. Please give some application examples:

I want to start writing. If I can keep writing for three months, I will buy myself a new computer.

I want to get into the habit of exercising. If I can keep exercising for a month every day, I will buy it for myself? Apple? Watch.

I want to buy? Keep? Members, practice for a month first, if you use it every day? Keep? After training, I will become a member.

If you insist, then reward yourself with peace of mind, you deserve it; If you don't insist, it means that you didn't need this thing, just saving money.

The third measure: save first and then spend. This skill was first learned from the dog Qian Qian. Fortunately, I read this book before work. After we get paid, we always want to spend the money first, buy precious gifts home and treat our friends to a fine afternoon tea. If you can change your mind, after you get your salary, you should first leave the necessary expenses and compulsory savings, and then use the rest of the money for unnecessary expenses such as buying gifts for yourself and inviting friends to dinner. Namely: income-necessary expenditure-savings = unnecessary expenditure. Don't underestimate this change in thinking mode. Many friends have developed a good habit of saving money through it.

If you want to develop the habit of saving before spending, you can't be greedy at first, but you can learn from it. 10% start. Because 10%? The amount of money generally does not affect the quality of life. In addition, bonuses or unexpected income will be paid. 50%? Save it, and the remaining half can be used to treat yourself. I have formed the habit of saving, and I can gradually increase the proportion or amount of compulsory savers according to the increase of my income and the change of my consumption habits.

The fourth measure: the savings card and the consumption card are used separately.

I suggest you prepare a special savings card, and use the consumption card and savings card separately. Use the salary first? 10%? Don't hesitate to transfer your salary to a savings card for a second. Most people accumulate their first bucket of gold through savings.

The fifth measure: practical consumption, do your homework first. The ideal actual consumption is "get twice the result with half the effort", spending half the money and getting twice the performance of the goods.

Although the saying goes, "You get what you pay for", this rule only applies to a certain extent, such as the process of selling goods from the ground to the genuine products. Beyond this range, it is the brand premium and user experience that spend more money, not the actual performance improvement.

In actual consumption, such as buying household appliances, you can do more homework and look at the evaluation. With the same brand and series of products, it is common that the low-end entry model is superior to the high-end model. Finding this kind of consumption not only saves money, but also is really cool.

It is nothing to save hundreds or thousands of dollars in a single expenditure. As a stingy girl, I don't have any chicken soup to give you, just want to say "save money" and "don't spend it". The real money saving is not waste+money saving tips+happy life, but "exquisite poverty" can also be very happy and happy! This is the message I want to convey to you ~ I wish you a happy life and more and more money!