1. When did you really realize that you wanted to save money?
Probably because my father couldn't afford so much surgery, I asked my mother for some money. On the first night of admission, I lay in my hospital bed and cried quietly. After the operation, my divorced parents in high school quarreled in front of my hospital bed because of money. I wish I could pay for the operation myself, and I began to realize the importance of saving money. There should be some reserve funds around to deal with emergencies.
Second, my theory of saving money.
1, saving is a habit, and habits can't be formed in a day.
If you are frugal from an early age, it is easy to form a habit. In my opinion, don't treat frugality as a whim. For example, I want to save money. I only eat instant noodles every day, but after this time, I continue to spend money lavishly.
2. How to develop the habit of being stingy?
We should treat stingy as a daily thing and refine it into our lives. It's like taking paper towels with you, taking water cups when you go out, avoiding buying mineral water, preparing canvas bags in supermarkets, and saving buying plastic bags. Large plastic bags for food can be used as garbage bags.
3, correct mentality
Do everything with a good attitude. It is not shameful to accept the matter of saving money from the bottom of my heart. People think my lifestyle is stingy and unnecessary. As long as it doesn't affect them, I have my own way of life. I feel happy with less money. They think it doesn't matter if they are exquisite and happy, and there is no need to say it. It doesn't cost us anything anyway.
Secondly, everyone's values are different, and their living environment is different. Other people's stingy theories and methods can only be used as a reference and cannot be completely copied.
4, accounting!
Bookkeeping can clearly see where and how your money is spent, and you can adjust your consumption behavior in time according to your own bookkeeping situation. Because I once lost my bookkeeping book, let me change from paper bookkeeping to software bookkeeping, which is convenient and clear!
A month's running water
You can choose your own bookkeeping method according to the actual situation. If it's too much trouble, you can also deposit the money you can spend this month with a bank card, and then use this bank card for all expenses.
Third, throttling tips
1, and always believe that it is 100% if you don't buy it.
2. Online shopping
(1) Get coupons before buying. Everyone should have bought a lot of coupons online, so I won't recommend them (in case of advertising suspicion).
(2) Do you want to buy it or not? Then you'd better not buy it.
Real necessities don't need to be entangled for too long. Join the shopping cart and calm down. If you want to buy it after four or five days, and it won't affect your later expenses, then buy it hard. There is no reason to regret for seven days. If the goods can be returned, return them immediately! Before you hesitate to buy something, you can look at your parents' inner circle and their hands full of calluses and scars, so that you may know whether to buy it or not.
Mom's spelling circle
(3) You can check the historical price before buying. Sometimes I don't buy it if I think it's much higher than the lowest price.
You can also buy some fitting clothes first, and then buy formal clothes when it is suitable. I seldom wear makeup, so I seldom buy formal clothes. Basically, samples are enough.
(4) Where can I buy samples?
Tian Miao U was the first, and jd tried it for one yuan, but JD wanted a freight coupon, and the speed version of the money-saving card had a coupon that could deduct six yuan from the freight coupon.
Tianmiao u xian
Jd student probation period
(5) Reasonable hoarding of goods
Sometimes promotional activities will be cheaper, but only suitable consumables, such as paper towels and laundry detergent. This shower gel shampoo can be used, but don't hoard too much. Set yourself a certain amount (for example, one person can drink at most two bottles, and a family can drink a little more). Always believe that more activities will lead to lower prices.
(6) Small commodities can be bought in small derivative applications of big online shopping platforms (be sensible and avoid being cheated).
(1) TB sign-in red envelopes, sometimes more than two, sometimes more than three. For a few cents, you can order some socks, earrings, post-it notes and seasoning bottles (on demand). You can also search your sign-in red envelope before you buy something to see if it can be used to deduct what you want.
Small commodities bought with sign-in red envelopes
②jd Extreme Edition has low-priced fruits, which can be killed in seconds. A few dollars can buy apples and oranges. The oranges I bought are especially sweet and seldom go bad. By the way, go to the speed edition and get a few cents to sign a red envelope, or add up a hundred dollars for living expenses.
③Xi sometimes has some activities. From time to time in JD.COM, you can get three or five coupons with no threshold, and you can also buy some small things.
(5) I recently learned a method of unloading after buying (or the shopping software is only downloaded to the old mobile phone:), which really saves money, and my desire to buy plummeted, or I put all the online shopping apps in the old mobile phone and found that the orders were reduced. Again, don't 100% buy the savings.
Eat something
Eating is an important event in life, which is related to our health. In fact, this aspect should not be saved, but it should not be wasted.
Buy as much as you eat, and then buy after eating.
② Reduce the frequency of drinking milk tea and eating snacks.
I think it's really difficult for people who like snacks, but you can set a certain amount for yourself and reduce the number of times when you are full. It's too difficult for me not to eat at all. It is similar to replacing milk tea with milk tea bags and soybean milk. If you have money, you can send a small red envelope and then go to the cafeteria to buy snacks.
3 don't blindly follow the trend.
For the student party, many times it may actually be to eat or drink something to get along with others. For example, milk tea is actually dispensable for me, but when I was a freshman, my roommate made an appointment and naturally bought it. Or everyone is talking about what is delicious, and then they buy it (ten-piece set in winter, summer and autumn, the first cup of milk tea and sausage in autumn are all consumption traps)
4 A balanced diet, a combination of meat and vegetables and a good dinner can effectively reduce the frequency of eating snacks.
Don't eat so little just because you save money. Most canteens are still very affordable. If you are not healthy, the money saved is not enough to see a doctor.
⑤ Soaked milk powder is cheaper than boxed milk.
Now I like bright milk powder best, which is cheap and has a strong milk flavor.
Jd Extreme Edition sometimes has a lot of milk activities. Bought a box of 12 boxes of new hope milk, 20 yuan. Jujube is fresh and milk is delicious. Now there are basically pure milk activities, with an average price of two yuan a bottle.
6 Go out to play, you can visit the US group first, which is generally cheaper than ordering food offline. Meituan reviews are the best, and serious reviews can get 100 points, which can also be redeemed.
⑦ I bought most fruits on the platform of buying food by group purchase, which will be much cheaper than the school's, and the loss will be guaranteed.
It's really affordable
Step 4 wear
(1) Control the number of clothes you buy, and you can make a list of your clothes when sorting out and liquidating wardrobes in different seasons (I have seen this little program recommended by someone at home, which is quite useful and can be written down).
(2) Determine your own style, and don't try the style that suddenly became popular.
I am an ordinary person, without such a proud figure and face. I can't control many celebrity models on the Internet when I buy them, and they are all locked in the closet.
Try to buy some versatile models, in fact, most of the time in life is wearing very ordinary clothes.
I haven't bought pajamas for a long time. The fluorescent short sleeves issued by the school sports meeting in summer are easy to wear and wash. I will wear them to run from time to time, and there is no need to buy quick-drying clothes at all.
Don't buy anything too expensive, just be comfortable.
My most expensive shoe is a pair of running shoes I bought in my second year of high school, which is in my early 200 s. Later, I bought a pair of running shoes in my early 200 s 100 s. Because I run a lot and have many sports shoes, I wear them as ordinary shoes. Change one or two pairs of running shoes. Most summer clothes are pdd. If you buy a return package, the package freight will be refunded if it is not suitable.
5. some small wool on the platform
(1) When Alipay members sign in, they can exchange 140g Shuke toothpaste at around 3799 minutes. You don't need to buy toothpaste when the toothpaste is ready.
(2) Alipay opened a merchant service to let her bring things to her roommate at ordinary times. Roommate transfers money to let her scan Alipay payment code, and she can exchange merchant points for paper towels. I have changed the paper towel and a C-type data cable.
(3) Alipay spends money. If you save 500 yuan, you can redeem 50-point coupons, which can be opened at 10 every day. There are also Alipay coupons, but I always break them when I have to sign in for several days in a row.
(4) If China UnionPay Express can be used in the school cafeteria, you can take a closer look at the relevant news. Sometimes the discount of China UnionPay Express is really great.
Our recent discount here is like this.
(5) In the WeChat payment discount, you can get a gold coin for every piece you spend, and the gold coin can be exchanged for a cash withdrawal voucher.
(6) CCB's CCB Life Insurance can get 6-5 coupons on the blue take-out platform every week, 5-4 coupons every day, and new users also get large coupons.
(7) Novice, I can get jam every day, jam can be exchanged, and I have the opportunity to punch in and get the goods. I successfully took a small suitcase and a small juicer.
(8) Daily consumables: such as paper towels.
(1) JD.COM Extreme Edition sometimes has little hair.
② Alipay merchant points redemption and member points redemption.
③ Jianxin Life Insurance has 6-5 take-out coupons every week. You can buy 7.9 paper towels at the Shang Chao interface during the gourmet period.
④ Taobao recharges bonus hunter, raises lambs, redeems cat super cards, supplements 35 yuan, and goes to Tmall Supermarket to buy paper towels for about 6.9 yuan.
Fourth, open source.
Open source and throttling, open source is before throttling. As a student party, I don't have a formal job, except for the monthly living expenses and the one or two hundred dollars saved in the red envelope I received during the Chinese New Year holiday (my red envelope will basically not exceed two or three thousand dollars), so if I want to save more money, I might as well make money in my spare time! (The following is only applicable to college students, and secondary schools still recommend focusing on their studies. )
1, first of all, all kinds of scholarships and competition bonuses. Seriously study the comprehensive test of school scholarships and actively participate in competitions. Many outstanding students can even get 20,000+scholarships and various competition bonuses.
Secondly, I use my special skills to make money, such as writing, dubbing, hosting, dancing, etiquette, tutoring and so on. One of my friends likes dancing, so he takes some performances to make money. Another friend is good at calligraphy, so he teaches children calligraphy as a tutor.
3. Part-time internship
Because my grades are average, I don't take part in competitions, and I don't have any special skills, so I get very little money for scholarships and competitions. If your grades are not as good as mine, you can ask the teacher or some seniors if they have any professional-related jobs. For example, some companies in our major ask students to help them do some simple work, and I probably earned more than 4 thousand yuan in this respect.
You can go to an internship in winter and summer vacation, preferably to some units related to your major, so you can also write these work experiences on your resume.
There are also some part-time jobs in or around schools, such as work-study programs in schools, waiters in tea shops and so on. But I personally don't recommend service jobs, and I earn less and have no free time. I also worked as a gym front desk for a while, where I could exercise for free, but later I didn't go because my salary was too low.
4. Long-term investment-learning skills
If you can't find a related part-time job for the time being, you might as well learn skills to improve yourself, such as programming, ps and editing. There are many tutorials to learn online, and you can't get money without technology!
Finally, I wish all the students success in their studies and deposit over 100 million yuan!