How do you save money? Are you addicted to saving money?

Addiction, the more money you save, the easier it is for you to become addicted. It's really reassuring to watch the amount of deposits keep rising. Moreover, for people like me who are naturally low in material desires, saving money is easy and happy. At present, the small goal of saving 60 thousand a year has been achieved. The following are some of my usual savings and consumption habits, mainly including bookkeeping, saving methods, food, clothing, housing and transportation, shopping and skin care.

First, bookkeeping will generally record every expense, which can be handwritten or bookkeeping app, which is convenient for later recovery. Many accounting software can add plug-ins to the desktop, and every money spent can be recorded for 30 seconds. If you accumulate too many bills, you will often be too troublesome to remember them.

Basically, they are just needed, and they don't spend money casually.

This is my total bill this year and this month's bill, which can be compared by week/month/year at a glance. In the second half of the year, the expenditure increased obviously, mainly due to the installation of air conditioning in June, and there was also manpower expenditure in July and August. These expenses are planned, so it can be seen that I spend very little every month in the first half of the year, in fact, I am consciously saving money for the second half. The province needs to spend money to control the total expenditure for one year, which means the following ways to save money.

Second, the method of saving money is a bit complicated, but it is actually very simple and substantial! It is to divide income into three parts: deposit+reserve fund+expenditure. Save first and use later, not how much is left at the end of the month. The most important thing is to make different budgets according to your income and the demand of the month, which can largely avoid frequent overspending and affect your mood of saving money.

When the salary arrives at the end of the month, I usually transfer 60% to Super Treasure (automatic payment function is turned off) or other low-risk financial management. The rest is used as living expenses, and then fixed expenses (next month's rent, telephone bill, water and electricity, bus card) are used immediately. Don't expect this money to hold interest for a month. Excluding fixed expenses, the remaining living expenses are disposable balances.

Next, I will subdivide it into daily use+diet, and turn to WeChat to buy food. Finally, there is only money left in the current salary card that can be used for online shopping or other needs (collectively referred to as daily use). Because the demand is different every month, it is impossible to estimate the budget accurately, so in order to save more money, it must be adjusted constantly in the middle of the month. As follows:

I used to eat mainly outside, so I will average out how much I spend every day. If you expect to eat 20 yuan a day, but rest days are generally free at home, and sometimes you can eat less than 20 yuan at work, then transfer the rest that day, so that you won't be extravagant when you see the rest at the end of the month. On the contrary, if you overspend one day, you will save a province the next day! However, it is a bit troublesome in practice, which is unnecessary (unless you can't control yourself and want to save money by force). Later, I summarized it on a weekly basis and controlled the following expenses. For example, I overspent last week, so I won't go to the supermarket and buy food next week, for fear that there will be few meals in the refrigerator. In the same way, every month is the same. Next month, friends get married/family birthdays/Chinese New Year holidays, save a little in advance.

According to the price and personal eating habits of the city where I live, the diet of 400 is harsh enough, and it is impossible to have much left every week and month, so what needs to be adjusted constantly in the middle of the month is mainly the daily living expenses. As long as you don't buy online, you don't have to move this part of the current account. Sometimes there is really nothing to buy this month, so I slowly turn to Alipay, which is a bit like "stealing" money from living expenses. There used to be a bank downstairs, and I often went to get a 100 after work. I have 900 yuan in my piggy bank, which is why I got it. It's inconvenient to withdraw cash now, so I'll switch to Alipay. As a living expense, this thing may be used at the end of the month, and it will be saved and transferred to the place where it is not used by default. Don't transfer it at once, so the living expenses will be meaningless. Remember wherever you go, unless you can guarantee that you really don't need to spend a penny except food. I call these "stolen money" reserve funds. If you overspend in any month, take it from here first and try not to touch the deposit. To tell the truth, I stole 1000 yuan like this in August, and I feel that the process is quite happy.

Third, food, clothing, housing and transportation? 1. dressing

In fact, most of us ordinary people don't have that much demand for clothes. After buying more clothes, we finally found that we often wear the same clothes. The first thing to keep clothes minimalist is to find your own style. When buying, we should also consider whether the existing clothes can match, and use overlapping methods to maximize the utilization rate of clothes.

For example, I have a round face and a pale face, so I buy more sweaters, which can be worn outside and inside, and can be worn in spring, autumn and winter. For example, in spring and autumn, a thin sweater with a polo collar/a summer T-shirt inside, and a tight black sweater in winter, the button on the collar of the sweater is unbuttoned, and a coat is worn outside, which is not suitable for Korean drama actresses! If you don't like or are not suitable for sweaters, shirts are also good items. Skinny sweater+shirt+coat can be worn by overlapping. Shirts can also be worn under thick sweaters in autumn, and it is better to wear them by overlapping necklines. The hooded sweater/thick sweater is directly covered with a down vest in winter (it is not easy to get dirty, so it is a good match). In the coldest time, there is a good down jacket that can be worn for many years.

So all my coats are only a khaki vest/down jacket/black coat in winter and a windbreaker in autumn. The interior adopts clothes that can be worn outside in spring, summer and autumn, which is enough to cope with various occasions. Even the down jacket was useless last year. Never buy more repetitive coats and single-function warm clothes. Pay attention to color matching when buying, and the final utilization rate is very high.

? Step 2 prescribe diet

If you can, try to cook by yourself and bring your own food. A small rice cooker can meet most of the cooking needs. I will go to the supermarket after work, once a week or once a month is enough. There are discounted dishes in the supermarket every day, which may not go bad. Just pick fresh ones and keep them well. The key is not to be picky about food! Things bought at a discount can also achieve food diversification. There are steamed buns in the supermarket, which can be frozen for a week for breakfast. You can take it out and steam it for a few minutes in the morning without thawing or microwave oven. It's faster, more convenient and cheaper in Aauto. When vegetables/meat are cheap, buy more and freeze them. For example, my refrigerator usually has diced carrots/frozen tomatoes/diced onions ... Simply cooking noodles or assorted fried rice after work is cheaper and healthier than eating takeout. I insist on saving money as a long-term habit, so I don't recommend being particularly wronged in eating. It is true to save soup and noodles every day, but the cost is higher if there is a health problem.

? 3. House

For many of us migrant workers, rent does affect deposits. My current monthly rent is only 300 yuan. I used to live 2 kilometers away from the company, and the rent was more than three times that of now. Because there are quite a few public rental houses here, as long as there is no room in this city, foreigners need to apply for a residence permit before they can participate in the lottery. You can also pay attention to the relevant information of your city. In order to increase the probability of winning the prize, the traffic in this community I chose is not particularly convenient (4 kilometers from the subway station), but if the subway changes to public transportation, I can accept a one-way commute within 1 hour. If public rental housing cannot be realized, you can rent a house within this distance according to your acceptance of commuting time. The closer the house is to the company, the better, of course, but for me personally, the heartache of paying rent is far greater than the comfort brought by living downstairs.

? travel

No taxi, no taxi. If you travel alone, you have no habit of taking a taxi. The starting price of a taxi is enough for a lunch. Where to go, the first reaction must be to search the bus and subway. China unionpay express often takes public transportation for a penny, so you can pay more attention to it. If it's not urgent, I'll walk within 3 kilometers and exercise by the way.

Fourth, shopping skin care? 1. Shopping

Try to uninstall the shopping app, write it down first if necessary, and then download and buy it when you can't stand it. After buying and unloading, I have no desire to brush the shopping app at all ... After my experiment, it is like adding a shopping cart, and many things feel unnecessary in a few days. When visiting the supermarket, I saw that it was cheap to buy directly (paper towels, shampoo and toothpaste are often discounted offline). What is really urgent is to go downstairs and buy it right away. What you bought online is not what you need now.

If something is broken, just think about whether it can be repaired or whether there are any replaceable items, instead of buying it at buy buy. I bought a flashy floor-mounted hanger for the first two rentals, but I bent my clothes after hanging them twice in winter. Later, I thought that the pipes for hanging bacon sausages at home could also meet the needs of hanging clothes. It's just that the appearance is a little simple … so I bought a few cheap water pipes and spliced them together to form a very strong clothes rack, which is the kind that is often seen in stalls. Recently, I need a refrigerator dust cover with storage function. It was written in the memo but I didn't buy it. I don't think it's expensive, but I don't want to add real things casually. Then I saw an idle pillowcase, which was simply designed for a small refrigerator! The size is just right. The pillowcase is turned over and covered on the refrigerator. One side of the pillowcase is only used as a storage bag, and the other side is cut to keep balance. It is more than enough to put some small things like plastic wrap. Similar little surprises need to be discovered by yourself. I think it makes me happier than shopping casually ~

2. Skin care and makeup

I will write down the opening date and end date of skin care products/daily necessities, understand my consumption speed, and don't hoard too many skin care products and cosmetics. First, because these things are consumed slowly, they usually feel tired before they are used up, or they need to change brands when they suddenly have allergies. Second, there are many promotions a year, so there is really no need to buy too much at once. It is said that the ultimate way of skin care is to make the skin comfortable and rub it all over the body with one bottle. Personally, I feel good. After simplifying the skin care process, the skin condition is more stable and there is little redness and itching. I won't buy repeat makeup. After all, a plate of eye shadow, an eyebrow pencil and a lipstick can really be used for a long time, and my hand will be broken. There are more cosmetics of different colors and brands, and the effect on my face is almost the same. They all look the same color. So makeup is as simple as a palm-sized bag.

Finally, I want to share with you some of my consumption ideas:

1. Refuse to spend in advance

Try not to spend money, credit cards and the like. It is not money that is spent in advance, but running water. It will give people the illusion of being rich, and it is easy to overspend unconsciously. When they pay back the money, they will really doubt their lives when they see the bill.

2. Don't create demand casually.

I think you can exercise by buying a bracelet and insist on cooking breakfast by buying a breakfast machine, provided that you have the habit of exercising and getting up early. In short, don't buy or use things you don't need, such as the prize in the lucky draw ... I won a cervical massager once myself, but I didn't need it at all, and it was useless to keep it a few times. At last, it can only be sold at a low price.

3. Minimalist life

Learn some minimalist methods to achieve a variety of purposes. For example, baking soda pickled chicken breast is tender; Mixing baking soda and detergent with water can remove oil stains, and cleaning the kitchen with cleaning balls is very clean; White vinegar can remove odor and flush the toilet with water. In this way, two or three kinds of cheap goods that are often used have replaced starch/cooking wine/degreasing cleaner/toilet cleaner ... At present, this aspect needs to be continuously studied.

These are some of my usual money-saving habits and consumption concepts. To sum up briefly, I plan to save money first, and then think twice before spending money every day. Don't spend money at will, pay attention to every penny and save a lot of money.