For most of us, we only have a fixed income every month. Apart from mortgage, car loan and living expenses, there is almost nothing left in our hands to save money efficiently. Reducing expenses is the simplest and most effective way. It is extremely simple to spend a year without tension, and it also saves the sense of security that 7w+ no longer clings to things, and finds the direction of life.
1. No discount] consumption, not saving 100%
Whether online or offline, we often see full reduction and discount promotions. We always think that buying is earning. Before buying a lot of unnecessary things, you must consider your actual needs and don't give them away for nothing.
2. value quality over price, 1 good > three bad
Buying cheap goods will greatly reduce the quality and service life. If they are broken, they will be repurchased. Over and over again, they will actually spend more money. Choosing good quality goods can cost a long time at one time.
3. One item with repetitive function is enough.
Nowadays, daily necessities emerge in an endless stream, and many functions are repetitive. With a high-speed blender, you don't have to buy a juicer and a soymilk machine. Various cups have also been refined. Sports cups, coffee cups, tea cups and other multifunctional things can only be used once.
Learn to delay satisfaction, please think twice before placing an order.
When you see something exciting, desire will prompt your brain to make impulsive decisions. Never buy it right away. First, put it on the wish list and give yourself a few days to think: Do you already have similar items? Do you really need it? How long will it last? What is the value of the purchase? Quitting impulsive consumption and learning to delay satisfaction can save a lot of money.
Coffee machine: Usually there is less time to drink coffee, and there is no extra space in the kitchen.
Air fryer: I seldom eat fried food, but I really need a wok.
Computer: the office computer can still be used after 5 years. If it is completely broken, replace it!
5. Don't blindly upgrade consumption and refuse brand premium.
After the brand logo was added to many things, the price rose several times. Home-brewed coffee is as good as dozens of cups. Is there really a big difference between a few hundred pieces of facial cleanser and dozens of cups? There is really no need to spend more money on brands.
6. Invest in value-added consumption and increase sideline income.
In addition to doing your job well, it is equally important to actively improve your skills. Before I signed up for psychology, I had a different experience of consumption in order to update myself systematically. Experience and experience are precious wealth that accompany my life, and the return of self-investment is far greater than that of material consumption.
7. Keep bookkeeping and know where the money is going.
Bookkeeping can make you clear about your income and expenses, and better plan your monthly consumption and how much money you save. It is difficult to make money, but easy to spend money. It is also a positive way to save money to take every penny of hard-earned money seriously.