1. Learn to keep accounts and reduce unnecessary expenses.

Try to shop around and avoid buying expensive things.

3. Prepare a special deposit bank card, which is not bound to any platform.

4. Don't borrow money easily, no one borrows except relatives.

5. office workers bring their own lunch, buy less or not, save money and be healthy.

6. Don't recharge any membership cards, such as beauty cards, shampoo cards and shopping cards.

7. Don't eat or eat less snacks, and drink less milk tea and fried chicken to save a lot of money.

8. Idle cash, resell idle things to people in need to avoid waste.

9. Make a shopping list when you go shopping in the mall to avoid buying unnecessary things.

10. Save electricity, get into the habit of turning off the lights, and don't underestimate the micro-habits in life.

1 1. Go to tourist attractions and bring your own water cups, paper towels and umbrellas. Avoid buying them outside. They are still expensive.

12. Don't buy. Don't buy it just because you think it is on sale unless it is necessary.

13. Say "Let's make an appointment next time" quickly to avoid excessive social consumption and reduce unnecessary social interaction.

14. Save water and reuse it as much as possible. For example, the water for washing vegetables and clothes is used to flush toilets.

15. Buy skin care products after use and adhere to the "empty bottle principle". As long as two lipsticks are enough, there is no need to store more.

16. Turn off all the flowers, loans and credit cards, or you will feel nothing if you spend money, and you will feel distressed if you return it.

17. Stop the installment payment. The actual annual interest rate of installment payment is usually above 15%! ! You will pay much more money than you actually do.

18. Don't be greedy and cheap. Don't be tempted by any big promotion and then hoard some useful and useless things.

19. Clothes, bags and shoes should be quality rather than quantity. Although a lot of money was invested in the early stage, the durability and happiness index are high.

20. If the things returned from online shopping are not satisfied, they will be returned decisively, because even if they are not satisfied, they may not be used.

2 1. Reject impulsive consumption. You don't have to buy what you see at first sight. You can think about it for a few days before deciding whether to buy it or not.

22. Learn financial management knowledge, improve financial quotient, and learn the thinking of the rich. Recommended books: Qian Qian the Dog, Rich Dad and Poor Dad.

23. When renting or buying a house, try to be near the unit. You can choose to walk to work or ride a bike, saving traffic and time costs.

24. Mandatory time savings. For example, force yourself to save 2000 yuan every month and transfer it to a savings account as soon as you get your salary.

25. Develop sideline business and increase extra income. Finding a sideline that you like, sticking to it and accumulating it for a long time is also a big income.

26. Substitution of goods, first look at whether there are other things that can be replaced at home, then consider buying or not, try to live a minimalist life and control consumption.

27. Learning value-added consumption, such as buying books and taking courses, is conducive to self-improvement, and then you can turn this knowledge into a kind of wealth in the future.

28. It is not too late to buy things when necessary, such as refusing to spend children's money, following the trend, spending everything in advance and so on. If you need something you can afford by installment, it is recommended not to buy it.

29. Use the medical insurance card skillfully. The money in the medical insurance card is also money. Don't buy a bunch of useless drugs. Just leave some at home. Every long vacation, use the money in the medical insurance card to go to the hospital for examination, just in case.

It is important to form the habit of saving money first. You must have a strong sense of saving money. The sooner you start saving money, the better. It's best to start saving money when you have your first income, even a little.