The first trick: make a good budget.
There are many places to spend money during the Spring Festival. In order to save face, we do not rule out a lot of passionate consumption. Make a detailed budget, spend no more than a penny, spend a lot of 1 cent, and your wallet is under your control.
You can also make a list, including transportation expenses, money for honoring parents, money for buying new year's goods, money for parties, money for red envelopes, money for friends' weddings and so on. , and write a rough or definite figure at the end of each expenditure.
In this way, you will know how much the Chinese New Year will cost, and prepare for the Chinese New Year expenses according to this standard.
However, the phone bill for the Spring Festival often exceeds the budget, so it is suggested to increase it by 30% on the basis of the budget, and try to control it within this range unless there is an unexpected major necessary expenditure.
In addition, you'd better get into the habit of keeping accounts after spending money, so that you can wait until after the Spring Festival to compare the budget and see how much your actual expenditure differs from the budget, and also make a reference for next year's Spring Festival expenditure.
The second measure: don't spend impulsively.
Why is the cost of the Spring Festival always higher than you think? Because a large part of the expenses are caused by their own consumption.
Give a very simple example: when you meet classmates and friends during the Spring Festival, you always get together. At this time, you are most likely to spend impulsively. In order to show their heroism when eating, they often order a lot of expensive dishes, but they can't finish them. Singing K and soaking feet after dinner is another expense.
The consumption in these places is more expensive during the Spring Festival. Many people are swollen and fat in order not to lose face. Speaking of paying the bill, it's really dumb to eat Huanglian. Actually, it's not worth telling the truth. Friendship is of course important, but if friendship can only be reflected by eating and drinking, it is not a true friend.
Another kind of impulsive consumption is also obvious: some red envelopes were prepared, but when it comes to red envelopes, people around them start throwing money in a rush, and they feel distressed at the end of the day.
In addition to the big red envelopes to be distributed soon, you can also prepare some small red envelopes and think about how to deal with the rhetoric of asking for red envelopes. When you really can't hide, you can use a small red envelope to support it, which will make you feel very comfortable.
In short, in terms of eating, drinking and having fun, the Spring Festival is the easiest to spend impulsively. Everyone should take good care of his hands and mouth. They should not be soft on consumption, and should not think twice before acting. Don't get carried away by others.
The third measure: use more cash and less credit cards.
Although it is convenient to swipe a credit card in daily life, it is easy to get out of control on holidays. Credit card will bring you the enjoyment of anesthesia, but after enjoying it, it will be a painful year.
When you go home for the New Year, you may wish to prepare cash according to the budget first, and all consumption expenses will be in cash. In this way, you can really experience the pain and pain when spending money, and it will also help you spend less.
Therefore, during the Spring Festival consumption, I suggest that you use more cash, especially when shopping, and spend as much as you can according to your cash budget, and resist blindly chopping hands.
The fourth measure: be calm when you see a discount promotion.
During the Spring Festival, merchants will launch discount promotions. Usually, the promotion is unprecedented. After this village, there is no such shop.
Many people are attracted by this. When they see the discount, they think everything is free. Buy buy buys it, but it's not worthwhile to buy it back in the end. It is also easy to buy a bunch of unused things.
Therefore, shopping in the mall during the New Year must be calm. Think about it before you buy it. Do you need it? Some goods are indeed heavily discounted, but they need to be discounted again. Don't believe that saving is earning, and those who don't buy things are earning.
The fifth measure: set aside some idle funds for financial management.
There is no conflict in spending money on financial management. Every new year, every family expects to have more than one year. Isn't that what spending money is all about?
During the Chinese New Year, everyone should correct their consumption mentality, and don't hold the blind consumption mentality of "it's uncomfortable if you don't spend all your money". On the basis of reasonable consumption, we can save it. Small money is also money. Small money can be used to manage money, or it can be rolled into big money through time, the most reliable lever.
If you have extra money outside the Chinese New Year budget, think about how to "Qian Shengqian". When you come back to work after the Spring Festival, I believe it will be much better for you to have money in your hand than to see your wallet empty.
Finally, Bian Xiao reminded everyone that what should not be hollowed out during the Spring Festival is health. Health is the most economical way. During the Spring Festival, some friends were busy partying and playing cards, so they overdrawn and went directly to the hospital after the holiday. I advise you not to drink too much, but to protect your health.