1. Plan the money as soon as possible after the monthly salary is paid: for example, how much money can you save for yourself except the necessary living expenses such as food, clothing, housing and transportation, put it in your "savings card", and then put the remaining living expenses in your "consumption card", so as to distinguish and reduce excessive consumption.

2. Turn off the flower buds or try not to use them. Don't spend or overdraw in advance. Don't rely too much on credit cards.

3. Set yourself a goal of saving money, how much you plan to save this year, and then implement it every month.

4. Keep bookkeeping, and you will find a lot of unnecessary expenses by the end of the month.

5. Give every planning budget in your life. After this month, you can't spend money. Wait until next month to spend this money, such as buying clothes.

6. Open source and reduce expenditure. Discover your own skills, do some part-time jobs with your own cleverness, and maybe earn a little income.

7, skin care products wait until the empty bottle to buy! Don't hoard skin care products and cosmetics! We must consume rationally.

8. Avoid impulsive consumption! Put your favorite products in the shopping cart first, and then see if you still want them after one week.

9. Go to the front of the supermarket to make a list and make a rough budget to avoid overspending.

10, learn to refuse passive consumption! For example, sales promotion when shopping or Amway recommendation from friends.

1 1. Before buying anything, ask yourself: Do I need this thing now? Do I need it? Do you have similar products at home?

12, don't pretend to be generous to save face and invite people to dinner at will! As an adult, lining is more important than face.

13, don't overdraw anything! Buy if you have money.

14, the idle things at home are sold on the second-hand platform, saving money and not wasting.

15, reduce useless social interaction.

16, learn to invest money in yourself, which is the investment with the highest return.