Money saving plan

In 2008, there was a buzz of "rising" prices across the country, from McDonald's, KFC to Ajisen Ramen, from shampoo, facial cream to moisturizing lotion, from water bills, electricity bills to gasoline bills, all large and small. It's rising. Should we economize on food and clothing from now on or take the initiative? In fact, a smart person can live like a lady by spending 100 yuan; but for people who are not good at allocating money, even if they win 5 million, they will enjoy it in a day and a night. Smart woman, smart money. Let’s teach you how to spend a little money to live a good life.

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

2. 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.

3. It’s right to choose to hold a wedding in the off-season. Weddings are also divided into off-peak and peak seasons. January-February and July-August each year are the off-season for weddings. Compared with many disadvantages such as the inability to find hotels, high prices for wedding companies, and high air tickets during the peak wedding season, holding a wedding in the off-season is not just about saving money.

4. Choose supermarket private brands to buy daily necessities. Supermarket private brands are high-quality and low-priced options. 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. Of course, you should go to the cinema to watch discounted 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. Don’t forget to update your mobile phone package. 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 so you can see them clearly at a glance.

7. When taking a taxi, raise the meter to pay 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 for real night driving, you have to pay an extra 20 per kilometer. 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. Dial 12580 for free inquiries and gifts. Dial 12580 for free. Not only can you inquire about entertainment, life, catering, convenience services, etc., starting in 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 e-magazines. Many print magazines provide e-magazines for download, which is environmentally friendly and saves 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. Staying in university hostels when traveling. Budget hotels are becoming more and more expensive, so aim for university hostels.

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.

11. Co-branded credit cards allow you to earn while spending money. A co-branded credit card refers to a credit card jointly issued 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 spending habits. Simonnne Gnessen, a well-known financial expert, recommends: Everyone should be familiar with their own spending habits, find out the most likely triggers for spending money randomly, and prepare for the next impulse purchase. Good coping strategies. 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 buying electrical appliances. When you buy new electrical appliances, don’t forget to look for the energy-saving recommendation sign. This sign means that the electrical appliances have lower operating costs and are more environmentally friendly. Replace your old refrigerator and you can save a lot of electricity bills a year.

14. If you don’t like a gift, give it to someone else next time. It is inevitable that some of the gifts you receive will 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. The fitness card you bought on impulse becomes 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.

17. Choose a hairstyle that is easy to manage. Yes, of course we know that it will definitely not work if you don’t take care of your hair at all. 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 (www.guopi.com) is a very reputable professional shopping website for cosmetics. Not only does it often have discounts and promotions, but it can also buy high-quality foreign cosmetics 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. .

Twenty. Never send text messages when you can send Fetion SMS. This invention of Fetion is really 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. Every day you have the chance to win PSP gift packs, 100 yuan recharge cards, love T-shirts and other gifts.

21. Make a list before going to the supermarket. Don’t underestimate the few minutes you spend waiting in line at the checkout counter. Many people will have itchy hands and 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.

22. Ordering a set meal for two people on a date should not be regarded as a shabby date. Ordering as much as you want is the most fashionable and 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 bought 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.

24. Replace the large wardrobe. Do you often feel that the 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, simple and clear. 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 Financial Management (www.licaie.com), Qianqian (www.qian8ao.com), and Yantangji (www.ytji.com) are all good choices.

26. Give up the lottery dream. Statistics show that the chance of winning the jackpot is lower than the chance of being hit by a flowerpot falling 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 shopping. If you want to buy good and cheap things, how can you avoid online shopping? 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 through Yuego.com (www.yuego.com), and you can buy Japanese digital products and cosmetics through Japanese product purchasing agent website (www.jpgoo.net).

Twenty-eight. Bring your own lunch and increase the amount of cooking. Ordering takeout every day is not less expensive, and the variety is limited. Gradually, lunch, the most important of the three meals, turned into an errand. You can cook whatever you want, 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 well, and it 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.

30. Never buy a book that tells you how to save money. It is better to have no book at all. 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.