After three years of epidemic, the whole world is in economic crisis. In this era of soaring prices and high living costs, how ordinary people can save money and live a high-quality life is a difficult problem facing everyone. Take a look at what the financial experts around you do.
1. Budget and record expenditures: Mr. Li is a representative of financial experts. He suggests that everyone should first master their own financial situation, that is, formulate their own life budget and record monthly expenditures, so as to better understand Take control of your finances and avoid overspending.
2. Eat less outside and cook your own food: Mr. Li emphasized another tip to save money - cook your own food. Although eating out is convenient, over the course of a year, the cost of eating out and eating out is equivalent to paying an extra month's rent. Breakfast and lunch can be prepared at home, and dinner should also be prepared by yourself.
3. Think before you buy: Mr. Qian, a Taobao shopping maniac, reminds us to think before you buy and don’t make impulse purchases easily. There are many promotions and discounts in e-commerce and offline department stores. You can save a lot of money by waiting until discount codes are available.
4. Refurbish old products: Xiaopan financial experts remind everyone that there are often some obsolete famous brand products on the market, such as handbags. You can renovate them yourself and decorate them with fashionable ribbons. This will save money and make your own Items are different and unique.
5. Learn how to use loans and credit cards: If you can use loans and credit cards wisely, you can save a lot of money. But be aware that when using loans and credit cards, you must also treat them with caution and remember to exceed your own financial capabilities.
6. Ways to save money on renting accommodation: Ms. Dong is a programmer. She recommends renting a dormitory or sharing a room, and using common drawers and refrigerators, which can save a lot of living expenses. At the same time, she will also prepare healthy food in the public kitchen to ensure a healthy diet.
7. Avoid bank charges: Different banks have different charging policies, so you can choose a bank with low charges or reduce or speculate in foreign exchange when there is less banking business to reduce the burden on your bank account, such as canceling SMS push services.
8. Share goods and services with others: For example, when buying air tickets, sometimes group buying discounts are very obvious. However, some trips and activities can be shared with others to reduce costs, such as carpooling.
9. Reuse of resources or purchasing items from the second-hand market. Xiao Zhang likes shopping in the second-hand market and thinks it is very important to share his own items at any time instead of buying new things. She will buy items on Xianyu and get very good prices.
10. Learn new skills and create new opportunities: By learning new knowledge and skills, you can increase your competitiveness, earn more profits, and open up new opportunities. For example, learning programming, artistic creation, etc. are all very promising.
In practice, we have indeed saved a lot of money through these tips. For example, Mr. Li has saved 18 times his salary in his account within two years, laying the foundation for his future life!
