When you can use cash, such as eating out, refueling your car and buying daily necessities, you must use cash instead of swiping a credit card or debit card. Spending cash can make you feel your consumption behavior more truly. In addition, it can help you better grasp your financial situation and avoid making ends meet.

2. Transfer some money every week.

Setting aside dozens of dollars from the expenses every week and putting them into a fixed account will not affect the quality of daily life. There are also one or two thousand a year, all because of the transfer of dozens of dollars a week.

3. Stay at home.

Staying outside will cost you a lot of unnecessary money. Going to restaurants will cost more, going to shopping malls will cost more, and even stopping at gas stations to buy snacks will cost more. You can't avoid all kinds of expenses outside, but staying at home can not only watch free entertainment programs, but also enhance your feelings with your family-how nice!

4. Reject the brochure. Or e-mails promoting products.

Their promotion of their novel, cool or promotional products is likely to induce you to buy things you don't need. Therefore, eliminating this propaganda message that encourages you to buy things from the source can greatly reduce your expenses.

5. Make a list of "30-day tests".

If you want to buy something that is not particularly needed because of impulse, you should put it on the "30-day test" list first. You only have enough money to buy the necessities of life, so list and date the rest. After the 30-day probation period, you can buy it-but in this way, you have long lost that strong desire to buy, which is also conducive to your more calm decision whether to buy or not.

6. Eat at home.

I know you'll say it's much more troublesome than going out to eat. Actually, cooking at home is not that difficult. All you have to do is put the frozen vegetables and boneless chicken in a pot, stir-fry them, and they will be cooked if they are overheated. Soy bean curd (my favorite) is also good. You can also try to make your own pizza: put some sauce, cheese and vegetables on the crust, sprinkle some spices and put them in the oven. When the pizza comes out, you can cook several cups of brown rice. Compared with eating out, cooking by yourself is not only more economical, but also healthier and more nutritious.

7. Exercise.

Fitness is equivalent to saving expensive medical expenses.

8. Use envelopes to manage money.

This is the same as using cash, except that you need to sort your expenses by envelope. My non-check expenses are classified as follows: daily food, natural gas and other miscellaneous expenses. I won't waste any more money when these three envelopes are empty.

9. If you have a lover, talk to your lover every week.

It's important that your lover is in sync with you. You should have the same economic goals, agree on a general spending plan, and formulate an irrational shopping aftercare policy-that is, when either party buys something on impulse, how to deal with it so as not to have a life-and-death scene. I suggest that you have a 20-minute meeting once a week to make sure that both of you know the bill payment and account balance. In a word, communication is the key.

10. Electronic bookkeeping.

It is very expensive to buy Microsoft's financial management software, Quicken and other similar software, but their function of handling all kinds of financial information is really not covered. You can even find a free installer with this function from your software library or online. But the problem is, I don't need so many functions at all. What I want is to find an easy-to-operate way to record the flow of my funds, without fancy, as long as I can have the networking function, because then I can monitor it anytime and anywhere. Through practice, I found that Google Docs and spreadsheets can achieve the functions I want. In the past, account tracking of Microsoft Wealth Management was needed, but now only a spreadsheet is needed. You can record the date, content and amount of each transaction, add comments, and show the income and expenditure status. It has all the functions I want. What am I asking for? It is best to keep it simple.

1 1. Save money first.

When you start to pay the bill (I usually pay it online), please make sure to put the savings transfer and debt repayment first. If you don't do this, put off the deposit and repayment until the end ... then, you will find that you can't complete your scheduled deposit or pay off your debt. But if your first step is to deposit and repay, then you will be careful to ensure that you have enough money to pay rent or mortgage, utilities, daily food and natural gas ... thus naturally cutting other unnecessary expenses.

12. Turn your home into a gym.

Maybe some of you don't agree with me, and I totally understand-because everyone should take the most useful path for himself. But as far as I'm concerned, as long as I move my exercise place to a nearby road and add some exercise equipment, I can save a lot of money for going to the gym. Without a gym, I can exercise at home. I can do all kinds of physical exercises (such as push-ups, Indian squats, lunges, muscle stretching, leg press, etc.). ).

13. Don't watch cable TV programs.

I'm not saying that I don't watch TV-I will watch DVD, because I can be sure that what I play is meaningful, not those worthless things that are often broadcast on TV. If you pay attention, you can also find all kinds of free things online. Although it won't save much, it's a mountain of soil!

14. Simplify the room.

Throw away all the superfluous things at home, and you will find that not only life becomes simpler and more peaceful, but you are also less likely to buy things that will only add chaos to your home. Once your home becomes simple and clean, you will try your best to keep it clean and tidy to avoid history repeating itself.

15. Give and take.

Give books, clothes and toys you no longer need to your friends and family. When you need something, send an email to ask who has it. You will find that if they happen to have it and no longer need it, they will give you what you need for free.

16. One thing for one thing.

This is a lost art, and many people may exchange your services or goods instead of money, especially your friends or people you know. You will find that the habit of bartering can save you a lot of money. For example, my website design benefited from barter, which saved me at least $65,438+$0,000.

17. Use online savings.

I use the online savings service of immigration company, but ING company's is also very popular, and there are many other online banks. Not only can you get almost twice the interest of ordinary bank deposits, but you can also avoid impulsive withdrawal-because it will be very difficult to withdraw money if you don't open an ATM account, so you won't spend money so easily.

18. Simple gift.

Giving gifts is one of our most beautiful traditions, because it expresses your generosity and love for others. But with the commercialization of gift-giving, it becomes more and more expensive. Then, let's change the way: spend as much time with others as possible, which is also a form of gift; Or give them something you bake or make yourself; Otherwise, you can try to provide services that they will like. In short, you don't need to spend money to show how generous you are.

19. Educate children to understand what advertising is, what savings is, what income is and what gifts are.

If you have children, you should tell them that money can make money in the long run. If they can see through how advertisements subtly induce them to buy things, they may not ask you to buy (well, they should ask you to buy) the latest popular toys. If they know what saving money and earning money are, they will understand your hard work and hard work to save money. If they understand that giving gifts doesn't have to cost a lot of money (see the last one), they will no longer just want expensive gifts.

20. Find happiness in life instead of spending money to create the illusion of happiness.

People often buy things because they think (perhaps subconsciously) it will bring them happiness. Therefore, they have to buy the latest gadgets, shoes or cars-and think how interesting it is! In fact, even if you buy something, you will be happy for a day or two at most. Then, you need to keep buying new things. If you keep doing this, you will eventually fall into a vicious circle. In fact, you just need to learn to love life. Find fun from nature! Get happiness through interaction with people around you! Do what you love to do to get a sense of accomplishment! Enhance happiness in fitness and meditation! There are so many things in life that deserve our happiness that we don't have to spend money to buy happiness.