Seeing that the balance in the card is increasing little by little, I feel happy in my heart, and saving money is the wisest decision.
Although our family's income is not high, it does not affect our savings, and we still have money to save every month.
1. Set a strict budget
At the beginning of each month, a detailed budget plan is drawn up based on income and necessary expenses.
Make a list of fixed expenses such as living expenses, mortgages, utilities, etc., and set clear limits for other spending categories such as entertainment, shopping, etc.
In our family, the monthly fixed expenses are mainly focused on the mortgage, as well as water, electricity, gas, transportation, and grocery expenses.
In the summer, with air conditioning, the electricity bill will be relatively high, and you can save a little money on other aspects and maintain a balance between the two payments.
Spend on a budget, spend only the part of the money you need, and save real money.
2. Reduce eating out
Eating out tends to cost more, so we try to cook at home as much as possible to be healthier and save a lot of money.
Usually, eating a hot pot outside can cost more than 200 yuan, but preparing the ingredients at home and cooking them yourself may not cost 100 yuan.
Buying fresh vegetables in season not only tastes good, but also the cost of buying vegetables is not high.
Eating at home not only lowered the cost of living, but also allowed me to learn to cook and enjoy the joy of cooking.
3. Save transportation costs
In terms of mobility, we can prioritize public transport and make the most of public resources.
If the distance is close, choose to walk or cycle instead of taking a taxi or public transportation, which can save a lot of transportation costs in the long run.
For example, if it costs 20 yuan a day to take a taxi, you can save about 600 yuan by walking for a month.
Choosing public transportation not only saves money, but also does sports and gets a physical exercise by the way.
4. Reduce the frequency of shopping
Avoid impulse purchases and don't blindly buy things you don't need because of promotions.
Recently, shopping malls are doing discount promotions, and many summer clothes are doing clearance sales.
No matter how good the price is, if you buy back what you don't need, it will only be idle, just a waste.
When encountering a promotion, think about whether you really need it, rather than buying it because it is cheap.
5. Refuse unnecessary social spending
For some unnecessary gatherings and socializing, learn to politely refuse.
There is a cost to socializing, and when others invite us to dinner, of course we have to invite them back.
Don't put your time and energy into making too many friends, two or three close friends are enough, and other friendly relationships, just keep in touch, don't spend too much money on socializing.
6. Take advantage of coupons and discounts
Pay attention to coupons and discounts when shopping.
Buy a toothpaste, get a discount of 5 yuan, buy a bottle of shampoo, get a discount of 10 yuan, buy a bottle of baby cream, get a discount of 8 yuan.
These items needed in life can be bought at a relatively low price, and what you save is what you earn.
As long as we insist on using these "door-picking" methods, it is not difficult to save tens of thousands more in a year.