In daily life, I am not a consumerist, especially after I start investing in life. Because of the change in concept, my life will become more simple.

However, the painless consumption of credit cards still makes me accidentally spend more than my budget.

On JD.com, Taobao and Xixi, there is even password-free payment when paying. The money is paid without entering the password, so that you don’t realize it, and you even feel that the money you spent is not your own.

When the credit card bill comes every month, I still feel heartache and heartache, but it only lasts for a while.

Only when the repayment comes, will the real pain arise, so I learned from the pain and decided to start accounting, but the most important thing about accounting is review, and review once every month, preferably one week. You can review it once. After barely persisting for two days, I began to forget about it, and the sound of the waves was still the same. The next month, the same thing happened again.

Recently I made a decision that I think is more worry-free and effort-saving, to stop this senseless behavior of spending money. That is to leave only one credit card and adjust the limit to the lowest 1,000 yuan.

At the same time, cancel all other credit cards, because in my opinion, using credit cards to earn certain points for consumption does more harm than good to people like me.

I don’t need large amounts of funds, so I don’t need a credit card for capital turnover; the reason I have always used credit cards before is that I can earn points and use them to redeem some gifts. In the past few years, the biggest gain is drinking a few cups of Starbucks coffee, and the rest is nothing. (After thinking about it carefully, I realized that it was wrong. I used CITIC’s credit card in exchange for Li Xiaolai’s “Road to Financial Freedom” course. Now my net income is more than 1 million, but CITIC’s credit card has been canceled long ago)

The last point is to change the payment method of Alipay to debit card and Alipay balance first, so that when I have a large consumption, if I don’t have enough cash, I will think about whether the consumption is reasonable. Yes, do you really need to buy this?

As for Alipay’s Huabei, I am considering whether I need to adjust the credit limit to 500 yuan. In this way, my monthly credit consumption limit will reach 1,500 yuan, which can basically cover all my credit consumption needs. place.

The effect of this is immediate, because the financial power of my family is in the hands of my wife, so I have about a hundred or ten dollars in cash in my hand, which I usually use credit cards.

So when I was buying groceries, there was a situation where the Alipay balance was not enough. I needed to take out the money from the savings card and top it up into the Alipay account, and then I could make a purchase of more than 40 yuan. "Huge payment"; I had to pay 10.4 yuan for the light rail every day when I went to work recently. The day before yesterday, I had insufficient balance and could not leave the station. I have encountered this in normal times. Just recharge and you can leave the station. But that day, the savings card only had 19.2 yuan, but the minimum recharge limit for the bus card was 20 yuan. So under the long watch of the light rail security guard, it took me about 5 minutes to get 10 yuan from Alipay to the bank card, and then from Top up the bank card to the bus card.

It is indeed an immediate method. Now every time I spend money, I feel that I am consuming. This is indeed a means to further reduce unnecessary consumption.