A money-saving strategy for newcomers to the workplace

Money-saving strategies for newbies in the workplace

Money-saving strategies for newbies in the workplace. You have to pay attention to these in the workplace. The key is to do your own job well. Improvement of work ability requires Learn from the experience of colleagues in the workplace and try it even when you are under too much pressure. Have you learned the money-saving strategy for newcomers in the workplace? A money-saving strategy for newbies in the workplace 1

A money-saving strategy for newcomers to the workplace

A money-saving strategy for newcomers to the workplace

For newcomers who have just entered the workplace, the average income It’s not too high, and there are quite a lot of things that need to be spent. In addition, many people are used to living a life of relying on their parents, and they are not sure about the expenses such as food and drink, and they accidentally become “money-gone people”. Some newcomers complain that with only three to two thousand yuan a month, they have to spend money on everything from eating, renting a house, and taking a car. It is difficult to even have some spare money, let alone financial management. In this regard, bank financial planners disagree and believe that as long as you establish a correct concept of financial management, choose a financial management method that suits you, and "start from scratch", you will always reap the fruitful fruits of financial management in the future.

Only buy during the discount season

Another type of discount refers to the designated discount time in the supermarket. For example, some supermarkets have many fresh products at 50% to 20% off after 8 pm every night.

Find the right place

Newcomers in the workplace don’t have much money, but they also want to dress fashionably. So, first of all, we need to find out which shopping places are the cheapest and where you can buy fashionable goods. The reporter found that there are many such high-quality and low-priced shops in the inner streets of Taojin Road, and there are similar clothing cities in other large and medium-sized cities. You must learn to bargain when shopping. Generally, you first cut off two-thirds of the price, and then slowly grind it out with the shop owner. Don't show that you like the product very much. If you can't buy it, you can walk away and go to other stores to check it out. You may be able to get the price you like most, which is usually more than half cheaper than in large department stores.

Choose online shopping to save money

Newcomers in the workplace may need to buy some "property", and online shopping is a good choice.

However, many people are worried about the wrong products when shopping online. Netizens gave a clever tip - you can try it on at a counter in the mall first, write down your favorite brand, item number, size, model, etc., and then look for a purchasing agent online. This way you can not only save at least 30% of the cost, but also the price of the goods. Quality is also guaranteed.

In addition, organizing group purchases online is also a good way to save money on consumption. You may also be able to make more good friends and learn more money-saving tips. Money-saving strategy for newcomers in the workplace 2

1. Go to the supermarket at 9pm. Fruit plates, salads, pastries, cooked food, etc. in many supermarkets will be on sale starting at 9pm, and the price may be less than half of the price on the label. , but it can make our nightlife more "quality".

2. Stay in university guest houses when traveling. Budget hotels are becoming more and more expensive, so aim for university guest houses. You can get a standard room for more than 100 yuan. If a school like Xiamen University, Wuhan University, or Zhejiang University is a good attraction in itself, it will be even more worthwhile.

3. It’s cheapest to buy air tickets in the morning. Do you know when is the cheapest time to buy air tickets in a day? The answer is morning. Because air ticket discounts are often readjusted overnight. Also try to avoid traveling on Monday mornings and Thursday evenings, as these are the two most popular times. The ideal time to fly is: noon every day and the middle days of the week. Taking a connecting flight to your destination will be much cheaper than a direct flight; choosing a relatively small airline flight is usually cheaper than a super large airline flight; if you book a ticket on Ctrip.com, pay attention to its "round trip special price area" and order A round-trip ticket will be 40-60 yuan cheaper than buying two one-way tickets.

4. Buy supermarket private brands When buying daily necessities, supermarket private brands are a high-quality and low-priced choice. Their quality is usually the same as brand-name products, and the prices can be much cheaper. In addition, you may wish to buy local brands of painkillers, which usually have the same effect.

5. Watch movies with discounts. Of course, you should go to the cinema to watch good movies. In addition to the well-known half-price movies all day on Tuesdays, some cinemas have specially launched "ladies' night" where women can still enjoy half-price movies. There’s also a “Credit Card Night” – get half off with a designated credit card. In addition, in the early hours of weekends, it is cheapest to watch morning blockbusters for only 10 yuan, or at least you can enjoy half the discount.

6. Use rebate platforms for online shopping. Yes, more and more consumers now choose to shop online because of its affordability. The more famous ones are Taobao, JD.com, Joyo, Yihaodian, Fanke, etc. Among them, Taobao is the most popular. 2009 data shows that Taobao accounts for 10% of online consumption. About 80% of the share, and then various websites related to cash back for shopping in various malls mentioned above appeared. You can save a lot of money in a month. Friends who like online shopping may wish to try it!

7. When taking a taxi, you have to pay the meter every 15 kilometers. Most people only know that the starting price is extra after 11 o'clock at night, but they don't know that there is an extra fee of 20 per kilometer for driving at night. In addition, if the distance you travel exceeds 15 kilometers, ask the driver to use the meter to pay once after driving 15 kilometers, or simply change cars, because if you exceed 15 kilometers, you will have to pay a round-trip empty driving fee.

8. Call 12580 for free inquiries and gifts. By dialing the toll-free number 12580, you can not only inquire about entertainment, life, catering, convenience services, etc., but starting from March this year, China Mobile also launched a bonus event for dialing 12580. If you make a total of 3 calls per month, you will be rewarded with a 10 yuan phone recharge card, a 12 yuan McDonald's voucher and a 10 yuan Yoshinoya voucher. If you invite 6 friends to participate in the event, you will receive additional rewards.

9. Download electronic magazines. Many print magazines provide electronic magazine downloads, which are environmentally friendly and save money. Download links can be found on the magazines' respective websites. Some magazines will excerpt some chapters and publish them, while others will provide the original version for download. Of course, some best-selling magazines may not be free to download. For example, "Sanlian Life Weekly" requires a fee of 4 yuan per issue, but it is still half the price of buying a copy from a newsstand for 8 yuan.

10. Don’t forget to update your mobile phone plan. Don't easily accept the package plan recommended to you by telecom sales staff, because they will recommend the package with the highest profit margin, and you may not need it. Carefully calculate your call volume. The most accurate way is to go online and call up the call details, which can be seen at a glance.

11. Co-branded credit cards allow you to earn while you spend. A co-branded credit card refers to a credit card issued jointly by the card-issuing bank and a profit-making institution (such as an airline or department store). In addition to enjoying the convenience of a credit card, holding a co-branded card can also receive a certain percentage of discounts, rebates, or other value-added services provided by profit-making organizations. It is recommended for car owners to apply for a CCB Auto Dragon Card, which offers discounts on fuel, maintenance, car insurance, and car rentals; "flyers" can apply for a Shanghai Airlines Pudong Development Bank co-branded credit card, which not only accumulates miles, but also enjoys exclusive boarding counters, buy one and get one free .

12. Master your own consumption habits. Simonnne Gnessen, a well-known financial management expert, recommends that everyone should be familiar with their own consumption habits, find out the most likely triggers for spending money recklessly, and prepare strategies for the next impulse purchase. For example, before swiping a credit card, ask yourself: Is this a necessity or a luxury? Choose products that are within your ability range so that you won’t be burdened with debt.

13. Look for energy-saving signs when purchasing electrical appliances. When you buy a new appliance, don't forget to look for the Energy Saving Recommendation mark, which means the appliance costs less to run and is more environmentally friendly. Replace your old refrigerator and you can save a lot of electricity bills a year.

14. If you don’t like the gift, give it to someone else next time. It is inevitable that some of the gifts you receive may not be to your liking. At this time, don’t be in a hurry to remove the tag, put it away first! Next time there is a suitable occasion, add a layer of wrapping paper and pass it on to others. This is not to be rude to others, but to maximize the effectiveness of limited resources. Of course, things are outside this scope.

15. Small rewards consolidate the results of frugality. Sticking to a strict budget is like going on a diet too much. If you are too strict with yourself, you may end up cracking under the pressure.

Indulgent spending after a stressful outburst can undo days of savings. So, give yourself a break from time to time and enjoy a dose of Haagen-Dazs. Give yourself a small reward with a piece of blueberry cake.

16. Don’t waste your fitness card in vain. Do fitness cards you apply for on impulse become useless again and again? Going to the gym less than once a week? Stop wasting it and transfer the card to someone who needs it more.

Seventeen. Choose a hairstyle that is easy to maintain. Yes, of course we know that not taking care of your hair at all is a no-no. But you can still get beautiful hair with less money. How much money could you save if, instead of getting expensive highlights on a regular basis, you told your hairstylist that the ends of your hair needed a trim? What's more, frequent hair dyeing is not good for your health.

18. Save beauty costs. You don’t have to go to big shopping malls to buy beauty products. Buying them online is convenient and saves money. Guopi.com is a very reputable cosmetics professional shopping website. Not only does it often have discounts and promotions, but it can also buy foreign beauty products that are not available in China. If you have nothing to do, go shopping and save transportation costs. In addition, if you have a familiar beautician, you can ask the beauty salon if they sell large packages of cosmetics from brands you trust, because beauty salons have professional channels and are much cheaper than retail sales outside.

19. Pay off the mortgage as soon as possible. Since last year, the central bank has raised interest rates six times in a row, and there may be a seventh or eighth time. Raising interest rates means paying more interest when repaying a home loan. What’s the most cost-effective way to pay off your loan early? Experts introduced the three most economical repayment methods: pay off the remaining loan in one lump sum; partially repay in advance, increase the monthly payment, and shorten the repayment cycle; partially repay in advance, keep the monthly payment unchanged, and shorten the repayment cycle. .

20. Never send text messages when you can send Fetion. Fetion’s invention is so great! Just type on the keyboard and press Enter, and the message will be sent to the other party's mobile phone without spending a penny. Fetion can also earn points, from 8:00 to 24:00 every day, you will get 2 points for every 0.5 hours of cumulative online time, and you can get up to 8 points every day. The more points you have, the better the prizes you will get in the lottery. You will have the chance to get PSP gift packs, 100 yuan recharge cards, love T-shirts and other gifts every day.

21. Make a list before going to the supermarket for shopping. Don’t underestimate the few minutes you spend queuing up in front of the checkout counter. Many people will buy the chewing gum, chocolate and magazines displayed on the shelves near the checkout counter, causing the phone bill to overspend. Therefore, before you go out, you need to make a list to see what is missing from your inventory at home, and bring only the right amount of money. This will make checkout convenient, save time, and prevent impulsive spending.

Twenty-two, two people order a set meal on a date. Don't think of such a date as shabby, eating as much as you can is the most fashionable environmentally friendly move. If there is not enough food, it is better to add at most one more staple food than to have a lot of desserts, soups or side dishes left to waste after each meal. In this way, you will feel less guilty and can carefully select and taste the best taste of food. In addition, you will not gain weight easily.

Twenty-three, find happiness that lasts longer than shopping. I finally completed a big case and couldn't wait to reward myself, so I ended up buying expensive shoes that I rarely wear. I wanted to use this to motivate myself, but I was depressed for half a month when I received the credit card bill. The pleasure of shopping can come and go quickly, and research shows that exercise and reading are the sources of longer-lasting happiness.

Twenty-four, change the wardrobe. Do you often feel that your wardrobe is too small to hold more and more clothes? In fact, to put it another way, among the clothes in the closet, which ones are often worn, and which ones are worn once and then put at the bottom of the box? A large wardrobe often results in: blind expenses, regrets later, and increasingly crowded living space... quickly change to a smaller one!

25. Open an online electronic accounting book. Compared with paper records, consumption accounting on the Internet is more casual and simple. Most of this method is combined with blogs, and registration is simple. In addition to expenditures, income and other items, some electronic accounting books also have interesting special columns such as "Couple Consumption".

Websites such as Money Management, Wallet.com, and Yantangji are all good choices.

Twenty-six, give up the lottery dream. Statistics show that your chances of winning the jackpot are lower than your chances of being hit by a falling flower pot from upstairs. So, it’s better to put your spare money in a current account and don’t expect to become a millionaire based on the slim chance.

Twenty-seven, make full use of online purchasing. If you want to buy good and cheap things, how can you avoid online purchasing? There is no need to pay a deposit, just tell the other party the product number and required size. In addition, you can also buy foreign products through agents. For example, you can buy American health care products on Yugou.com, and you can buy Japanese digital products and cosmetics on Japan Product Purchasing Network.

Twenty-eight, bring your own lunch and increase the amount of cooking. Ordering takeout every day costs a lot of money, and the variety is limited. Gradually, lunch, the most important of the three meals, turned into an errand. You can make whatever you want to eat by yourself, it’s economical and affordable.

Twenty-nine, smart home decoration. Buying a house is expensive, but if you really want to live in it, you have to decorate it, which costs a lot of money. Putting a little extra thought into decoration and furniture can save you a lot of money. Try not to make decorations that are complicated and difficult to change, and make more soft decorations, which can be replaced at any time every year or so.

Thirty. Never buy a book that tells you how to save money. It is better to have no book at all than to believe in the book. It is best not to completely believe in books like "XXX Examples of Money Saving Tips". Please use your own brain and imagination to make your life truly economical and exciting.