How to save money in life

In economics, there is an eternal secret of getting rich, that is, "open source and reduce expenditure"! The so-called "open source" means increasing income; The so-called "throttling" means saving expenses. In a person's financial planning, there cannot be only "open source" activities such as investment. If we neglect "cutting expenditure", then the money we have cannot be accumulated.

However, cutting expenses does not mean what people traditionally call frugality. Many middle-aged and elderly people are frugal all their lives. But their frugality has excessively reduced basic needs such as food, clothing, housing and transportation, which is wrong. Throttling is a scientific way to save money, not a frugality that blindly affects the quality of life.

Then, in people's daily life, are there some tips to cut costs so that we can accumulate more money?

The answer is, of course, yes.

The "throttling" in daily life is embodied in basic activities such as food, clothing, housing and transportation.

First, ways to save money in clothing and food consumption activities.

As long as we are good at calculation, there are many ways to save money in our daily buying behavior:

1, shopping must be planned. This is a classic saving strategy. Shopping without a plan is equivalent to giving a deposit a death sentence. Every month, we should make a detailed and reasonable shopping plan according to the needs of our family, and even design the menu of each meal in advance and write it on the account book to be aware of it.

It is very cost-effective to sell some goods at a discount during the special shopping period launched by the mall. Pay attention to advertisements in supermarkets and newspapers;

3. Writing down the shopping items according to the recipes you want to make can help you buy the cooking materials you actually need without omission and avoid the waste caused by blind purchase;

4. Pay attention to the entrance of the supermarket. Businessmen like to put bargains there.

Take a calculator with you and add up the items in the shopping basket one by one. As the amount of money rises, it may prompt you to eliminate things that are not urgently needed or can be bought or not;

6. Practical daily necessities and food are not books worth collecting. Don't be confused by the colorful packaging. Because hardcover is much more expensive than paperback;

7. When shopping, pay attention to what you want to buy, not what you bundle or give away;

8. In terms of food, convenient semi-finished products, such as washed and cut fish, meat, ribs, vegetables, and even seasoned shredded pork and sliced meat, save money;

9. Always look at the bottom of the supermarket shelves. For more expensive goods, merchants like to put them in a position parallel to people's eyes;

10, to buy cheap goods, we must first consider our own needs. Although cheap but unnecessary things are bought and accumulated at home, it is the most uneconomical;

1 1, don't go to the supermarket hungry, it will make you buy more 17% things;

12, it is recommended to shop only once a month, because the more you shop, the more you buy, and the more you buy, the more you spend.

Second, the way to save money in life

1, How to save money in home decoration

The so-called saving money refers to the rationalization of using money-using money on the cutting edge, he can't sacrifice low quality and inefficiency. On the key issues of decoration, we can't save, and we can't spend more than one point to save one point. This is the consciousness of modern people. Some people try their best to save money, but the result is inferior products.

Ways to save money:

(1) Careful planning and perfect design are the first steps to save money. When you have a new house, how to plan begins. What are the main points of decoration? How to decorate? How to invest? Design beauty with the least cost. Whether it's your planning or asking a professional company to design it carefully for you, saving money is very important. A complete and unified design can minimize waste; If there is no design or only a simple design, it is difficult to save money while doing it.

(2) adopt the method of "making the finishing point". The key decoration place. You can choose high-grade materials and fine workmanship; The decoration of other parts adopts simple and lively methods, the material is Mandarin, and the work is simplified;

(3) Relying on the decoration company is a shortcut to save money. Decoration companies have fixed outlets in material selection, and materials have good prices; Rich construction experience and fine workmanship; There are supporting services and quality assurance. Therefore, it is best not to directly build the guqin player yourself. On the surface, saving money may actually cause greater economic losses because of your wrong choice;

(4) Follow the rules and close the budget. In the process of construction, it is inevitable to make changes and modifications, and the process records should be made separately with reference to the original project, so as to clean up the added or deleted projects in the final accounts.

2, home appliances to save money:

(1) TV

For convenience, many people use the remote control to turn off the TV after watching it, which will only make the TV stand by and consume a lot of electricity. On average, each TV stands by for 2 hours every day, and the standby power consumption is 0.02 kWh. There are 350 million TV sets in China, and the annual standby power consumption is as high as 2.555 billion kWh, which is equivalent to the sum of the annual power generation of several large thermal power plants.

In layman's terms, standby refers to turning off the remote control without turning off the electrical switch or power supply. At present, most household appliances have standby function, and the power consumption of each household appliance in standby state is generally about 10% of its starting power, which is about 5 watts-15 watts. According to statistics, the monthly standby power consumption of household appliances reaches 20 -40 degrees for urban residents with high household appliance penetration rate.

② computer

Home computers can save energy from the following five aspects:

First, computers now have green power-saving function, and you can set the sleep waiting time (usually between 15 minutes and 30 minutes). When the computer does not receive the input signal from the keyboard or mouse within the waiting time, it will enter the "sleep" state and automatically slow down the running speed of the machine (CPU reduces the running frequency, the energy consumption drops to 30%, and the hard disk stops running) until it is "awakened" by external signals;

Second, when using the computer for a short time or just listening to music, you can turn the brightness of the display to the darkest or simply turn it off;

Third, the printer should be turned on when it is used and turned off in time when it is finished;

Fourth, try to use the hard disk. On the one hand, the hard disk is fast and not easy to wear, on the other hand, the hard disk keeps rotating at a high speed after being turned on, and the energy consumed when not in use is the same;

Fifth, the machine should be maintained frequently and pay attention to moisture and dust prevention. Too much dust on the machine will affect the heat dissipation, and the dust on the display will affect the brightness. Keeping the environment clean, cleaning the dust in the machine regularly and wiping the screen can save electricity and prolong the service life of the computer.

(3) air conditioning

There are six ways to save energy in air conditioning:

First, carefully adjust the room temperature. Increasing the room temperature by 1℃ during cooling and lowering the room temperature by 2℃ during heating can save more than 10% of electricity.

The second is to clean the filter regularly. Dust will block the filter and reduce the cooling and heating effect, so it should be cleaned once every half month;

Third, when the air conditioner is not used, we should get into the habit of turning off the power at will. When opening doors and windows as little as possible, it can reduce indoor and outdoor heat exchange and save electricity;

Fourthly, the use of electric fans will accelerate the circulation of indoor cold air, and the cold air will be evenly distributed, which can achieve better cold air effect without lowering the set temperature;

Fifth, using the sleep function of air conditioner can save electricity by 20%;

6. Choose an appropriate air outlet angle: the cold air flow is heavier than air and easy to sink, while the warm air flow is the opposite, so the air outlet is upward when cooling and downward when heating.

Third, the bank's consumption and savings skills.

For modern people, traveling is absolutely inseparable from driving. And private cars also have some ways to save money.

Private car fuel-saving tips:

1. Pay attention to the water thermometer when driving. The normal water temperature of the engine should be kept between 80 degrees Celsius and 90 degrees Celsius. Too high or insufficient will increase fuel consumption;

2. Always check the tire pressure to keep it in the best condition. Insufficient tire pressure will increase fuel consumption;

3. Don't change the tire size at will. Choosing a wider tire may make the car look more "sports car", but the wider the tire, the greater the wheel resistance and the more fuel consumption;

4. Use engine oil with the lowest viscosity. The lower the viscosity of engine oil, the more "labor-saving" the engine will be, and the more fuel-efficient it will be.

5. Don't warm up too much. Some car owners like to warm up before driving in the morning, but too long warm-up time will consume more fuel. You can let the car drive slowly for one or two kilometers to achieve the effect of preheating.

6. Don't overspeed. For ordinary cars, 80 kilometers per hour is the most fuel-efficient speed. Statistics show that for every increase of 1 km per hour, the fuel consumption will increase by 0.5%.

These are some small ways to save money in life, which can also be called saving money in primary schools. However, saving money, investing in other more important aspects and improving life better are the great wisdom of life.

"throttling" primary school asks, showing great wisdom and improving life in it!