How can we save money?

1, for girls, it is enough to buy two lipsticks, one without makeup and one for makeup.

2. Try to eat breakfast, lunch and dinner in the canteen. First, it's cheaper. Second, the food in the canteen is healthier than take-away.

3, try not to eat dinner, personally think that eating only one egg and one sweet potato for dinner can save money and lose weight. But breakfast and Chinese food should be eaten normally to ensure nutritional supply.

4. Eat less or try not to eat snacks. If you are hungry, you can buy some yogurt, milk, fruit or whole wheat bread, or you can lose weight and save money.

Without flowers and credit cards, these things will stimulate people's desire to spend. If it is overdue, it will generate seemingly low but actually high interest. Although it will take a long time, paying back last month's money next month will lead to a decline in the quality of life next month, and then they have to use these tools to improve their quality of life, thus forming a vicious circle.

6. Try to use cheap big names for cosmetics, such as kissing my eyeliner and mascara. Personally, I think Mary Daijia's vivid and natural eyebrow pencil is quite easy to use. mistine strawberry, kiko and other lipsticks are all good. These are all cosmetics with low price and guaranteed quality, which are more suitable for students.

7. Try to buy a full set of skin care products when buying. No need to buy extra, just keep the skin care products simple. Personally, I prefer the amino acid penetration emulsion of Songshan oil. First, I think it has a good moisturizing effect and can hold it in winter in the north. Second, the price is relatively cheap. As for the essence, you can buy it according to your different skin needs, and then pay attention to cleaning and sun protection, so it won't be too bad.

8. When shopping on Taobao or other e-commerce platforms, it is best to set the quota in advance. If you exceed this month's quota, you must restrain yourself and wait until next month to buy.

9. It is best to make a budget at the beginning of each month. You can set it as small as possible, and then add it appropriately, but don't exceed an expected value. It is best to use software to write down the monthly expenses. Personal accounts and notes are also good, so that you can know where and how much you spent at the end of the month, which is convenient for controlling next month's expenses and budget adjustment.

10, it is best not to put the rest of the money in the bank. You can buy some financial products with small interest but steady. If you really don't know what to buy, you can also put it in Alipay balance treasure or WeChat change pass, which is more than bank interest. Just leave a small amount of money in the bank card or WeChat to ensure daily use.

1 1. Don't drink. First, the high sugar content of beverages is not conducive to weight loss and health. Second, it can save money. Personally, I suggest buying some scented tea and medlar green tea, and adding some honey. It's delicious and healthy.

12. At the beginning of each month, it is best to set a savings goal for yourself. Subtracting this month's income from the savings amount is the expenditure that can be used this month. Goals must be quantifiable and achievable. You can set it small at first, and then gradually improve it when your willingness and ability to save improve. It is best to write down the goal and review the process and effect of preservation with a notebook or post-it software.

13, check your assets and liabilities on a monthly or quarterly basis, including but not limited to cash, bank financing, money deposits, funds and stocks, and fixed assets (real estate, etc.). ); Liabilities include not only short-term liabilities such as credit card consumption, but also long-term liabilities such as mortgage and car loan, and of course loans borrowed from others. Finally, net asset value can be obtained by subtracting liabilities from assets. The advantage of this is that you have a comprehensive understanding of your assets at each stage.

14. According to your risk tolerance, you can appropriately allocate some assets suitable for your risk tolerance, such as stocks, funds, bonds, bank financing, etc. At first, quantity is not important. The key is to try and exchange the possibility of wealth appreciation, but the proportion should be controlled by yourself. I can't tell you how to choose this, because everyone has different risk tolerance and investment preferences. If you don't know, you can go online to search and learn some reliable paid financial courses. You pay for them because financial investment experience is what people learn through trial and error. Although free things are good, what they have learned is generally shallow. Not many people are willing to take the time to tell others what they have learned at a lot of cost without reservation. Therefore, the quality of paid courses is relatively high, but it is not absolute. The key is to screen by yourself.

15. You can read more books on financial management at ordinary times, cultivate your money awareness and improve your financial quotient. I recommend two books, Rich Dad and Poor Dad and Qian Qian the Dog. These two books are very good financial books I have read, and you can learn from them.

16. If you travel, you can choose to live in B&B. First of all, B&B is much cheaper than hotels. Second, you can better feel the local customs. You can also talk to the owner about the less popular local attractions and food, and quickly get a unique travel guide. Airbnb is recommended when booking B&B. When traveling, this app is basically used to solve accommodation problems, and the current experience is not bad.

17. Usually, you can pay more attention to the discount days and activities of major brand stores, such as Zarahem Uniqlo, and their discounts can even be as low as 50% when changing seasons or clearing goods. It is undoubtedly a very cost-effective thing to start with clothes at this time, but you just need to start quickly, otherwise the clothes you like may not be able to buy the right size.

18, it is best to choose public transportation, such as bus and subway. The reason is, of course, because it is cheap. If you really need to take a taxi, taking a taxi first will be much cheaper than taking a taxi. If you are a college student, you can also use the Didi Student Card to complete the student certification, and you can enjoy four discounts every month. But if girls use Didi, it is more dangerous than boys, so pay more attention to safety. After all, we can't make bad people better, but we can completely protect ourselves from others. Therefore, when girls are in the car, they should pay attention to observing the driver's driving route in real time with the map on their mobile phones. When they find the wrong route, they should ask the driver first and ask for help immediately. If they are in danger, they should call the police directly and try to stay awake and alert in the car. Don't sleep and don't be too addicted to playing with their mobile phones.

19, before buying something, distinguish between necessities, necessities and wants. What is necessary is something necessary to maintain basic life, such as rice, such as water. Without these things, they will die, which is necessary; Secondly, need, which is above necessity, can slightly improve the quality of life, such as eating vegetables, fruits and milk every day. Finally, what we want is basically the carrier of our desires, such as the latest Apple mobile phone, game keyboard and traveling abroad. Necessities are things we must buy. You can buy it if you need it, but try to control your consumption on what you want. Without these consumption, our quality of life will not be greatly affected, but it can bring us good results in increasing revenue and reducing expenditure. So we should start with what we want first, rather than skimp on the necessity and necessity.

20. If you really can't distinguish between necessities, needs and wants, ask yourself before you buy something: Will it kill you if you don't buy it? Will it kill you if you buy it in the future? Will it kill you to buy a cheap one? If the answer is no, then I believe you already know whether there is too much need to buy this thing.

2 1 finally, when we spend money, we can consider whether this kind of spending can make you richer. Since the purpose of our financial management is to make ourselves richer, we can also consider it from this perspective. For example, signing up for a skill certificate class is obviously more valuable than traveling. The former can increase our own value, while the latter only provides some emotional value, so the more we spend money on self-improvement.