Current location - Health Preservation Learning Network - Fitness coach - Moonlight family's financial management manual
Moonlight family's financial management manual
Although you don't believe that money is saved, you always insist that money is earned! But working hard to make money, by the end of the month, looking at an empty wallet, I really don't understand. Why do I earn more and more, but become poorer and poorer? Saver gives you some clever tricks to bid farewell to the title of "Princess Moonlight". I don't know what a moonlight clan is. Too corny! Saving starts with small things, and dripping water wears away the stone. Mothers are usually used to traveling on fixed routes and shopping in fixed shopping malls. It seems a bit old-fashioned and uninspiring to us, but this is the secret of saving money. Fixed-point consumption can often accumulate popularity, become a VIP member, and enjoy various discounts specially prepared by merchants for repeat customers. We should carry it forward.

Fixed shopping mall consumption

Although the monthly daily expenses seem to be only a small part, the amount in a year is often amazing. If you can spend this amount in a fixed shopping mall, the annual shopping mall feedback (many big shopping malls are membership-based, and the feedback is 5‰ in advance according to the spending amount of members at the end of the year) may bring back your long-cherished ipod.

Clever use of air cards

Apply to join the aviation club and become a member. Use various tolerances to accumulate flying miles for yourself, and wait until 5. 1. 10. 1 or annual leave and Spring Festival, in exchange for free air tickets, or enjoy free upgrades and other services. Try to choose the same airline every time you go on a business trip without affecting your work. Your "single-mindedness" will bring you rich mileage points and some unexpected surprises, such as free airport pick-up, free luggage increase and so on. This will make your flying life a little more fun to save money.

Become a VIP of your favorite brand

Nowadays, elite consciousness is advocated, and merchants also advocate loyal consumption, so various VIP cards have emerged. It not only brings loyalty to merchants, but also brings elite to consumers. If you have more than five clothes of a certain brand in your closet, I suggest you buy as many clothes of that brand as possible at one time and get a VIP card. After that, you can get a discount, and you may also enjoy priority and free makeup service (if it is a VIP of some cosmetics brands). Nowadays, the formation of the world economy has brought us worldwide integration. Your laptop, mobile phone and even clothes may be "made in the United Nations"-all parts come from different countries. For you, combination means multiple choices. By optimizing the combination, you can have your cake and eat it, so naturally you have to save money. Use your head and think about all kinds of consumption that can produce a combination, which not only shows your smart mind, but also saves your hard-earned salary. Why not? !

Buy and sell in bulk, choose group purchase

The word "group buying" was chosen as a social buzzword. As a fresh person in the society, it is of course more important to grasp the popularity. Buying a house and buying a car naturally chooses group buying, and home improvement can't be missed. Even laptops and MP3 players can choose to buy in groups. Not only do you save money, but you may even make a group of friends who like it. Communicate freely with each other, not only quickly develop many functions of the product, but also make friends and expand the circle of communication.

Hegou clothes cosmetic

In fact, joint purchases have always been available. It's just that the objects that everyone chose to buy together before were generally limited to colleagues, friends and family partnerships. Now that the internet is developed, you will find more like-minded people through community websites. It is not only easier to buy brand cosmetics and clothing together, but also accumulate membership points for you, improve the level of gifts returned at the end of the year, and take the initiative when returning coupons in shopping malls. Cosmetic brand gifts can also reduce the weight of your travel bag when you are on a business trip. However, it is worth noting that the joint purchase with others should be based on harmony, and the road to joint purchase will be longer.

Mobile phone PHS plus IP card, no one can be less.

The GSM signal is good, but the phone bill of several hundred a month is still a headache. PHS is cheap, but the call quality is poor, and IP card is inconvenient, but the combination of the three can make you comfortable. In the city, where the office signal is good, transfer all the numbers to PHS; Dial the IP card number such as 17909 when the mobile phone makes a long distance call; Transfer calls to your mobile phone when you leave home and office. Master the principle of combined consumption, create your own clever tricks to save money, and be smart everywhere. Buying a house, decorating, getting married, drinking, fitness travel, a lot of expenses have peak season and low season. As your wallet is not full, the peak season always scares us. Watching the money go out, I'm afraid only you know the pain. Clever use of annual leave, choosing to travel or get married in the off-season, or giving up high-end fitness venues and choosing community fitness centers around you are all choices to save money. However, it should be noted that both off-season and peak season are market laws, which violate the laws and increase the risks. Weigh your abilities and be mentally prepared. The off-season is the peak season to save money.

Off-season wedding

People like to get together. Even if they get married, they choose the long holiday season. Although there will be a lot of helplessness, it is an indisputable fact that a rising tide lifts all boats. During the wedding season, all kinds of wedding expenses are rising. Looking at the small purse, planning the wedding skillfully to avoid the rush hour, and using the annual leave to get married in the off-season like 3.4.7.8, enjoying better quality and saving unnecessary expenses may be the best choice for fresh people.

Off-season fitness

Although there is no fitness season, the sparse crowd in the swimming pool in winter and the crowded crowd in summer seem to give us some enlightenment. Instead of spending a lot of money to buy a card to queue up for a bath in July and August and get together with people in the swimming pool, it is better to choose March and April and spend half price swimming alone in the huge swimming pool to jointly develop a good figure when summer comes. Time and cost are saved.

Wait for the refund at the gate of the theater.

With the prosperity of cultural life, the performing arts market is booming rapidly. Instead of buying a full-price ticket for a concert or drama, it is better to wait in front of the theater half an hour before the performance. Under normal circumstances, this kind of activity is free of tickets, and many people give tickets so much that you faint with envy. Wait at the gate of the theater for others to sell tickets at low prices, or ask at the ticket window after 15 minutes. At that time, the ticket price will make you forget what you missed 15 minutes. But remember, don't buy scalpers For those ticket scalpers, no matter how low the price is, we must say: no! In principle, it can't be measured by money. It is one of the smartest choices for fresh people to make an overall plan for their future in a planned way, which can avoid risks and enjoy preferential treatment. You know, making a consumption plan in advance can give you plenty of time and avoid being in a hurry. But CG! Reminder, planning is better than changing. Determine your own time before making a plan, leave yourself a retreat and buffer time to avoid unnecessary changes affecting the previous plan.

Book air tickets in advance.

Most domestic flights will not be discounted during the tourist season or holidays. In the face of soaring air ticket prices, if you plan ahead and book round-trip air tickets in advance, you can not only save valuable time for having fun, but also get a high discount. In order to attract customers, airlines usually give customers who book tickets in advance a lot of discounts, the lowest discount can reach 40%, and the longer the booking period, the greater the discount. However, it should be noted that high-discount air tickets usually have more restrictions, especially whether they can be changed.

"flower futures"

The so-called "futures" simply means to pay the deposit first and then pick up the goods at the agreed time. In the face of holidays, especially those special festivals, the price of flowers is swishing long, and I don't want to be a big loser or offend my girlfriend or family. "Flower futures" is worth considering. Although the price of booking flowers in advance will be more expensive than the market price, it is still much cheaper than the skyrocketing on holidays.

Match the length of the fitness card

For some people, it is a pity to abandon the fitness card. You were ambitious when you bought it. Once you buy it, it is an annual card. Thousands of dollars to comfort myself, an average of more than ten dollars a day. But the result is often that the fitness card becomes a bath voucher, and then it is silent in the depths of the drawer. If you carefully count the number of times you go to the fitness center in a year, there are only a handful (including fingers and toes). If you are determined to keep fit, no matter how determined you are, get a monthly card first. If you go to 15 days or more a month, you can consider getting a season card and then a year card. Believe us, although the monthly card is more expensive, it will eventually help you recognize your true colors. The money saved at that time was probably enough for you to buy some nice clothes.