Money-saving strategies for newcomers in the workplace

We have to pay attention to these strategies for newcomers in the workplace. The key is to do our own job well. To improve our working ability, we need to learn from the experience of colleagues in the workplace and try them when the pressure is too great. Have you learned the strategies for newcomers in the workplace? 1

Money-saving strategy for newcomers in the workplace

Money-saving strategy for newcomers in the workplace

Newcomers who have just entered the workplace generally don't earn too much, and there are still many places to spend. In addition, many people are used to relying on their parents, and they are not sure about the expenses such as food and drink, and they become "moonlight family" carelessly. Some newcomers in the workplace complain that it's only three or two thousand yuan a month. Eating, renting a house and taking a car all cost money, not to mention financial management, but it's difficult to have some spare money. In this regard, bank financial planners do not agree, thinking that as long as we establish a correct concept of financial management and choose a financial management method that suits us, we will always reap rich fruits of financial management in the future.

Only in the discount season

Another kind of discount refers to the designated discount time of supermarkets. For example, in some supermarkets, many fresh products are 5% to 2% off after 8 pm every day.

Finding the Right Place

Newcomers in the workplace don't have much money, but they also want to dress in fashion. Then, we must first find out which consumer places are the cheapest and can buy fashionable goods at the same time. The reporter found that there are many such cheap shops in the inner street shops of Taojin Road, and similar clothing cities in other large and medium-sized cities. You must learn to bargain when shopping. Generally, two-thirds of the price is cut first, and then it is slowly ground with the owner. Don't show that you like that kind of goods very much. If you can't cut them down, you can go away and look at other stores. Maybe you can get your favorite price, which is generally more than half cheaper than big department stores.

Choose online shopping to save money

Newcomers in the workplace may need to buy some "possessions", and online shopping is a good choice.

However, many people will worry that the goods purchased online are not right. The netizen gave a coup-you can try it on in the counter of the shopping mall first, write down your favorite brand, article number, size, model, etc., and then go online to find a purchase, which not only saves at least 3% of the cost, but also ensures the quality of the goods.

In addition, organizing group buying online is also a good way to save money, and perhaps you can make more good friends and learn more' money-saving tricks'. First, go to the supermarket at 9: p.m. Many supermarket fruit bowls, salads, cakes and cooked food will be discounted at 9: p.m. The price may be less than half of the price on the label, but it can make our nightlife more "quality".

Second, the budget hotels for staying in universities are becoming more and more expensive, so aim at the hostels in universities. More than 1 yuan can be used for a standard room. If schools like Xiamen University, Wuhan University and Zhejiang University are good attractions in themselves, it will be even more valuable.

third, it is the cheapest to buy a plane ticket in the morning. Do you know when it is the cheapest to buy a plane ticket in a day? The answer is morning. Because the discount on air tickets is usually readjusted overnight. In addition, try to avoid traveling on Monday morning and Thursday night, because these two periods have the most passengers. The ideal flying time is: noon every day and the middle of the week. Taking a connecting flight to the destination will be much cheaper than a direct flight; Choosing a relatively small airline flight is usually cheaper than a very large airline flight; If you book tickets on Ctrip, pay attention to its "round-trip special area". Ordering a round-trip ticket will be 4-6% cheaper than buying two one-way tickets.

fourth, buy the supermarket's own brand to buy daily necessities. The supermarket's own brand is a cheap choice, and their quality is usually no different from that of branded goods, and the price can be much cheaper. In addition, painkillers may also wish to buy local brands, which usually have the same effect.

5. movies. Of course, you should go to the cinema to see a good movie with a discount. In addition to the fact that all-day movies on Tuesdays are half-price, some cinemas specially offer "Ladies' Night", and women still enjoy half-price. There is also a "credit card night"-you can get half price with a designated credit card. In addition, in the early hours of the weekend, it is the cheapest to watch morning blockbusters. As long as you are in 1 yuan, you can at least enjoy a 5% discount.

VI. Use rebate platform for online shopping. Yes, now more and more consumers choose to shop online, because of its benefits, such as Taobao, JD.COM, Zhuoyue, No.1 Store, Fanke, etc., among which Taobao is the most popular. According to the data in 29, Taobao accounts for about 8% of online consumption, and then there are various websites about cash back from shopping in the above-mentioned shopping malls, which can save a lot of money in one month. Friends who like online shopping might as well try it!

7. When taking a taxi, lift the meter to pay the bill every 15 kilometers. Most people only know that the starting price will be charged more after 11 o'clock at night, but they don't know that the real night driving will cost 2% more per kilometer. In addition, if you travel more than 15 kilometers, ask the driver to lift the meter to check out once after driving 15 kilometers, or simply change cars, because if you travel more than 15 kilometers, you will have to pay the round-trip air fare.

8. Call 1258 for free inquiry and gifts. Calling 1258 toll-free number can not only check the consultation on entertainment, life, catering, convenience service, etc. Since March this year, China Mobile has also launched a reward activity of calling 1258. Call three times a month, and you will be rewarded with 1 yuan's prepaid phone card, 12 yuan McDonald's exchange voucher and 1 yuan Yoshinoya voucher. You can also get extra rewards if you invite six friends to participate in the activity.

9. download e-magazines. Many print magazines provide e-magazine downloads, which is environmentally friendly and saves money. Download links can be found on the magazines' respective websites. Some magazines will publish excerpts from some chapters, while others will provide original copies for download. Of course, some best-selling magazines may not be downloaded for free, such as Sanlian Life Weekly, which requires 4 yuan for each issue, but it is also half cheaper than buying a book from a newsstand to spend 8 yuan.

1. Don't forget to update the mobile phone package. Don't easily accept the package plan recommended by telecom sales staff, because they will recommend the package with the highest profit rate, but you may not need it. The most accurate way to carefully calculate your call volume is to call up the call list online, which can be seen at a glance.

11. Co-branded credit cards let you earn while spending. Joint credit card refers to the credit card issued by the issuing bank and profit-making organizations (such as airlines or department stores). Holding a co-branded card can not only enjoy the convenience of a credit card, but also get a certain percentage of discounts, rebates or other value-added services provided by profit-making organizations. It is recommended that car owners set up a CCB car dragon card, and there are discounts on refueling, maintenance, auto insurance and car rental; "Flying trapeze" can apply for Shanghai Pudong Development Co-branded Credit Card, which not only accumulates mileage, but also enjoys the exclusive boarding counter, and the tickets are bought for one and get one free.

12. master your own consumption habits. Simonnne Gnessen, a well-known financial expert, suggested that everyone should be familiar with their consumption habits, find out the most easy incentives for spending money indiscriminately, and prepare coping strategies for the next impulse purchase. For example, before you swipe your card, ask yourself: Is this a necessity or a luxury? Choose the goods within your ability so that you won't be in debt.

XIII. 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, which means that the operating cost of electrical appliances is lower and it is more environmentally friendly. Replace your old refrigerator, you can save a lot of electricity in a year.

XIV. Give gifts you don't like to others next time. The gifts you receive are inevitably not to your taste. At this time, don't worry about removing the tag, put it away first! Next time there is a suitable occasion, add a layer of wrapping paper and then give it to others. This is not impolite to others, but to make the best use of limited resources. Of course, things are not within this scope.

15. small rewards consolidate the achievements of thrift and stick to a harsh budget, just like going on an excessive diet. If you are too strict with yourself, you may eventually collapse under pressure. Indulge in spending after a stress outbreak will make the savings of many days go down the drain. So, give yourself a holiday from time to time and use a copy of Haagen-Dazs. A blueberry cake, give yourself a small reward.

16. Don't waste your fitness card in vain. The fitness card that you do on impulse becomes invalid again and again? Go to the gym less than once a week? Don't waste any more, and transfer the card to someone who needs it more quickly.

XVII. Choose a hairstyle that is easy to manage. Yes, of course we know that we can't do it without taking care of our hair. But you can get a beautiful hairstyle with less money. If you don't need expensive highlights regularly, but tell the stylist that your hair tips need to be trimmed, how much money can you save? Besides, frequent hair dyeing is not good for health.

XVIII. Saving beauty costs. Beauty products don't have to be bought in big shopping malls, and online shopping is convenient and economical. Guopi. com is a reputable cosmetics professional shopping website, which not only often has discount promotions, but also can buy foreign beauty products that are not listed in China. It's okay to go up and stroll, and save on transportation expenses. In addition, if you have a familiar beautician, you can ask the beauty salon if there are any beauty products of your trusted brand for sale in large packages, because the beauty salon has professional channels, which is much cheaper than retail sales outside.

XIX. Pay off the house mortgage as soon as possible. Since last year, the central bank has raised interest rates six times in a row, and maybe there will be the seventh and eighth times. Raising interest rates means paying more interest when repaying the house loan. How to repay the loan in advance is the most cost-effective? Experts introduced three most economical repayment methods: paying off the remaining loans in one lump sum; Partial prepayment, increasing monthly payment and shortening repayment period; Partial prepayment, constant monthly payment, shortening the repayment cycle.

2. Never send a text message when you can send a flying letter. Fetion this invention is really great! Knock on the keyboard, press enter, and the message will be sent to the other party's mobile phone, and it won't cost a penny. Fetion can also earn points. Every day from 8: to 24: , the accumulated online time will be 2 points for every .5 hour, and up to 8 points per day. The more points you get, the better the prizes you will get in the lucky draw. You will get PSP gift packages, 1 yuan recharge cards, love T-shirts and other gifts every day.

21. Make a good list before going shopping in the supermarket. Don't underestimate the few minutes of queuing in front of the checkout counter. Many people will itch to buy chewing gum, chocolate and magazines displayed on the shelves near the checkout counter, which will make the phone bill overrun. Therefore, before you go out, you need to make a list to see what is missing in the inventory at home, and only bring the right money, which is convenient, time-saving and prevents impulsive consumption.

twenty-two, when dating, two people order a set meal. Don't treat such a date as shabby, but eating as much as possible is the most fashionable environmental protection move. If you don't have enough to eat, it's better to add a staple food at most than to waste a lot of desserts, soups or side dishes after eating each time. In this way, you will feel less guilty, and you will be able to taste the best taste of food carefully. In addition, you will not get fat easily.

twenty-three, find more lasting happiness than shopping. Finally, I finished a big case and couldn't wait to reward myself. As a result, I bought expensive shoes that were rarely worn at ordinary times. I wanted to motivate myself, but I was depressed for half a month when I received the credit card bill. Shopping pleasure comes and goes quickly, and research shows that exercise and reading are the sources that can create more lasting happiness.

twenty-four, change the wardrobe. Do you often feel that the wardrobe is too small to hold more and more clothes? In fact, from another angle, how many clothes are often worn in a big wardrobe, and how many are pressed to the bottom once they are worn? A big wardrobe often leads to blind expenditure, regret afterwards and increasingly crowded living space ... Change to a smaller one!

twenty-five, open the network electronic bookkeeping. Compared with paper records, online consumption accounting is more casual and simple. Most of this method is combined with blog, which is simple to register. In addition to expenditure, income and other items, some electronic bookkeeping books also have interesting special columns such as "couple consumption". Websites such as Wealth Management Easy, Wallet Network and Salt and Sugar Record are all good choices.

26. Give up the lottery dream. Statistics show that the chance of winning the grand prize is lower than that of being hit by a falling flowerpot upstairs. So, why don't you put your spare money in a current account, and don't expect to become a millionaire by that slim chance.

XXVII. Make full use of online purchasing. If you want to buy something good and cheap, how can you get less online purchasing? You don't have to pay a deposit, just tell the other party the article number and the required size. In addition, you can also buy foreign goods through purchasing. For example, Yuegou.com can buy American health products, and Japan Commodity Purchasing.com can buy Japanese digital products and beauty cosmetics.

twenty-eight, bring your own lunch and increase the cooking volume. It costs no less to order takeout every day, and the variety is limited. Gradually, the best lunch among the three meals becomes an errand. Cook whatever you want, which is economical and affordable.

twenty-nine, home decoration. Buying a house is expensive, but if you really want to live in it, you have to decorate it and spend a lot of money. Paying more attention to decoration and furniture can save you a lot of money. Try not to do complicated and hard-to-change decoration, but do more soft decoration, which can be replaced at any time every year or so.

never buy a book that tells you how to save money. Believe in books, it is better to have no books. It's best not to completely believe such a book as "xxx case of saving money", please use your own brain and use your imagination to make life really economical and wonderful.