First of all, the first step to save money is self-awareness. Only when you know where you usually spend how much money and have a clear account book can you make a targeted plan to save money.

Instead of just shouting slogans and talking on paper. Make an inappropriate plan and give up prematurely.

So how do you figure out your financial situation? Yes, it is bookkeeping.

Bookkeeping seems easy, but it's actually a trivial matter.

So use good tools. For example, it is a more efficient and convenient accounting tool compared with paper-and-pencil account books and mobile phone accounting software.

tool

Because couples keep accounts together, it is recommended to choose an App that can keep accounts together.

Various bookkeeping apps

There are quite a few such softwares. Searching for an accounting software in the app store should have this function.

way

In addition to tools, there are many different ways to keep accounts.

Answer? Record every expenditure.

For example, my habit is to write down every expenditure. So every time I pay money, my first reaction is to keep an account.

b？ Record once a month (cycle)

But this is still very troublesome after all, so you can also choose to fix one day a month, export the accounts of Alipay, WeChat, credit card and bank card for two people, and then import them into the APP for statistics.

In short, the two accounting methods have their own advantages and disadvantages, so it is good to choose the one that suits you better.

Bookkeeping is not the most important thing, but a means, not an end.

In the case of no special changes in general life, you only need to record 1~2 months of account books, and you can provide basic demand data. The next step is-

Step 2: Strategic overall situation, classified analysis (bookkeeping analysis) After mastering the data, young couples can make a long-term layout for saving money from two aspects.

The first aspect: there will be various kinds of expenses when classifying and analyzing bookkeeping, such as catering, transportation, rent, medical care, interpersonal relationship and so on.

Book classification

Based on two months' accounting data, young couples can see how much they spent on these categories in the stamp album.

Expenditure classification

It is not enough to classify expenditures only according to their purpose.

There are also the following standards:

Low necessary expenses

Spending that can be cut

Absolute wasteful expenditure

Unexpected expenses (inevitable)

To save money, the most important thing is to judge where the money must be spent and where it can be saved.

This is different for different people.

Subitem analysis

The first item includes necessary food, rent, transportation, etc. , belongs to the inevitable expenses.

Second, the expenses that can be reduced, according to your own situation, for example, you find a lot of things in the account book, eating out, eating out and so on. , you can cut this part of the cost appropriately.

Third, absolutely wasting expenses, such as signing up for online classes, but not studying at all, such as running thousands of fitness cards and only going once.

The fourth item, unexpected expenses, is very important, such as illness, maintenance costs and so on. Unexpected, but it is also a certain expense.

This is also why couples or families must have deposits, because accidents will inevitably happen.

If we don't have extra savings, in this case, we can only borrow money from our parents or friends awkwardly.

Unexpected situation: getting sick

Plan as a whole

After the above series of analysis, the young couple who keep accounts have a clear understanding of their own expenses. Then you can analyze it item by item and make a budget for your own expenses.

For example, in terms of diet, two people reduce eating out and take-out, and choose to increase the number of times they buy materials for cooking, thus adjusting the monthly catering expenses from 1000 to 800, and so on.

Finally, add up all the expenses and get the total budget for next month.

PS: Of course, don't try to get there in one step, so be sure to leave some spare time for yourself in the monthly budget. For example, other expenses +200.

Step 3: Budget implementation: actually compare the budget implementation. After actually comparing the budget setting for next month, the next step is to implement it.

The point is to let two people have a steelyard when spending money. Only in this way can we be limited and know fairly well.

It is suggested that both of them should strictly follow the budget. Of course, if it is an accident, it can also be ruled out.

Actual contrast

Within a few days after the end of this month, compare the budgeted expenditure with the actual expenditure to see what has not been done.

What is great about execution? Then adjust according to the actual situation of two people.

Deposit = income-expenditure

The actual amount of two people's deposits is the balance of two people's income-the actual expenses of two people this month.

After a few more months, you can also choose to deposit the balance in another bank card. Seeing the gradual accumulation of the amount will make two people's sense of accomplishment increase day by day, so the motivation to deposit will be more sufficient.

deposit

Step 4: Adjust in time and update (budget) iteratively. The actual situation will change, such as job changes, illness or moving, which will always lead to changes in expenditure, so the budget can also change according to the actual situation.

Constantly record, constantly adjust, and constantly update iteratively, so that you can clearly understand your own expenses and be aware of them.

Saving money is a means, not an end. PS: Obviously, young couples want to save money together. Why don't they just say how to save money? Instead, you've been talking about bookkeeping and analysis?

Because according to personal experience and the opinions of many netizens online, if you take the initiative to save money, it is easy to focus only on how much money you have saved. Once you save it to 5W or 10W, you either feel rich and think about how to reward yourself.

Or if you don't know what to do with the money, you lose the motivation to save money and give up.

In fact, this is why we don't have a clear goal and turn the means and purposes upside down.

For couples, saving money is not an end, but a means.

A happy life is the purpose.

Money is a tool to make two people live better. Money ultimately serves one's happiness. In other words, the ultimate goal of saving money should be to provide a happy life for two people.

love

Therefore, the goal of saving money or two people's savings must not be the amount of money, but to let two people form good habits. Can have a clear understanding of money, know how to spend money, spend it reasonably, so as to achieve the ultimate goal of saving money: let money provide services and protection for the good life of two people.