1. Divide money into three parts. In addition to the fixed monthly expenses, you should divide the remaining money into three parts: savings account, dream fund and reserve fund. My personal habit is to allocate according to the ratio of 5: 3: 2.
(1) savings account: it is the money to be saved every month, and the principal of this part of the money should never be used unless it is a large consumption expenditure such as buying a house. With this savings, you can get a stable interest income.
(2) Dream Fund: Money used to motivate yourself. Work is for living, and of course it also needs leisure and entertainment. This part of the money can be saved to buy what you want, or to travel, so that you have the motivation to save money!
(3) Reserve fund: As the name implies, it is used in case of emergency. If not, you can return it to your savings account.
2, rational consumption, delaying enjoyment to make money is of course for life, work so hard, you should always treat yourself. However, my advice is to spend rationally and delay enjoyment. Some people will say that it is boring not to go out to play life on weekends! But you can find other ways to relax besides spending money on entertainment. You don't have to walk far to get in touch with nature, but you can take a walk in the nearby park to relax yourself. You don't have to go to the gym to exercise. Running by the river can make the air better. Alternatively, you can choose to read books, go to the library or download e-books from the Internet. In such a developed network, the learning cost is actually very low.
3. It is convenient and quick to use credit cards and mobile phones as little as possible, but there are at least two disadvantages to swiping a credit card: First, when swiping a card, money is just a number to you, and you simply don't realize how much it costs, so it is easy to swipe a credit card; Secondly, the concept of "consumption in advance" of credit card makes you bear certain debts every month. You will find that your disposable cash is much less than your salary, because part of your monthly salary will be used to repay the credit card consumption last month.
Someone told me that credit cards have an interest-free period, so you can earn some interest by putting money on Yu 'ebao. I'm really defeated by this cleverness!
10000 yuan is deposited in the balance treasure, and the daily interest is about 6 cents. If you are not in 20 yuan for one month, you can spend 10000 yuan on average every month. Is the cost of your heart and time only worth so much?
My personal habit is to spend as little as possible 1 thousand, instead of using a credit card, I use a savings card directly. Money and leisure are what we should pursue.
Money can guarantee your life and give you freedom of choice, such as the right to choose your own lifestyle. Let you have time to do what you like, so that you can live a truly happy life and have a sense of value.
Saving money now is to have more leisure in the future. Saving money is not as difficult as you think. The key depends on your determination and persistence. If you want to achieve financial freedom as soon as possible, you must learn to manage your finances.
If you only put the money in the bank or Yu 'ebao, the income will never run away from inflation. In the long run, your assets will be negative. Let's cheer together! Of course, I hope everyone can manage their own money in the future!