How hard do you try to save money?

When I just graduated, I worked in the provincial capital. Every morning, I take a bus from outside the city to the city. The nearest subway station is about 3 kilometers away from the community. There is a shuttle bus at the gate of the community, which costs 2 yuan. Plus 3 yuan for the subway, it means that you have to spend 10 yuan's transportation fee to and from work every day. In order to save these two dollars, I choose to walk to the subway station every morning. I remember walking against the north wind in the first winter.

I went back to my wife's school several times, and it took 1 more hours for her to finish class. I thought to myself, going early is also waiting, so it is better to walk more and save some subway fees. Finally, walk from south to east, saving 3 yuan.

Another big expense of working outside is renting a house. Some colleagues rent places near the company so that they can sleep more every day. I have worked there for three years and have been living in the suburbs. I get up early every day and come back two hours later than my colleagues. I also thought about moving near the company, but the rent is twice as expensive, which makes me wonder why I have to spend more money. Getting up early is not unacceptable.

In the first few years of work, the limited income is spent on important things first, and the things that can be overcome are avoided as much as possible, and the things that can be delayed are avoided as much as possible. Consumption habits were quite restrained in the first few years. Based on the principle of less money, I refused to use credit cards until my sixth year of work.

Although life is a little tight, at least I have fulfilled my original oath: I can't ask for money from home after graduation! I can support myself, and these hard points are nothing.

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Consequences of saving money

When I came to a new city, my income increased, I bought a house and became a home, but my consumption habits didn't change much, and I rarely had the opportunity to spend money willfully.

I think most goods are between buying and not buying. Buying can make you happy for a while, but not buying can't affect your life now. So it also leads anyone who wants to buy expensive goods to think twice for several months. In order to calm yourself down, try to avoid impulsive consumption.

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How to practice specifically?

With this awareness, the rest is very simple.

1, if you have to buy it, you don't have to struggle. E-commerce promotion every year, because the price is right, I am the kind of person who will hoard goods.

Now gradually accept credit cards, choose the card with the longest interest-free repayment time at different times, in order to get the longest repayment time for this consumption. If there are installment options, most of them will choose, but the premise must be interest-free. At the same time, supplemented by some rebate operations, you can pay as little as you can.

You can buy it or not, so you need to do multiple-choice questions yourself.

If you want to buy, give yourself a reason and give yourself a hint about how long it will take. For example, consider a computer that has been used for more than 1 year, and the hint to yourself is that it has been used for more than1year, and you can buy it if you can accept it.

Choose not to buy, but also give a hint. In a certain period of time, don't think about it. It's impossible anyway. For example, because I bought a house, I can't change cars for three years, so I'd better drive my current car honestly.

But saving money, like managing money, is a small profit in life, icing on the cake.