1. Set up an automatic savings plan

Set up an account in the bank that can only be deposited but not withdrawn, and regularly deduct a small sum of money from your salary card every month that will not affect your daily expenses.

2. Choose an online bank with high interest rate to encourage savings

When you save a certain amount of money, you have been saving money for a long time. At this time, you need to choose a bank with high interest rate to help you save money. No matter whether you are working or sleeping, your money will generate more interest for you in the bank, which can encourage you to continue to implement the plan of saving money.

3. Make a list of unnecessary goods

Write down a list of things you don't need on your mobile phone or notebook, and never buy them when shopping. As your list gets longer and longer, you will find that even without these things, your life can go on as usual.

4. Give luxury goods a waiting time

When you really want to own a luxury item, please don't take out your credit card immediately, but wait for a period of time, a month or more, and turn it out of your waiting list to see if you still want to own it. Waiting allows you to tell which items you really want to have and which you just want to buy home on impulse. It is easier to buy after thinking about it than to regret returning it after buying it.

5. Freeze the credit card (only for consumers)

If you can't control your desire to swipe your credit card, please freeze it, otherwise, you will always be under heavy debt pressure.

6. Save as much money as you save

The money saved by shopping is not used to buy more goods. Don't spend it at will. Please deposit it in the bank.

7. Save small money for big items

When you need to change computers or other big items, please immediately set up a related account, such as a "computer" account, and deposit all the small money you usually save in it until you can buy it. When you do this and buy a computer, you will find yourself beginning to cherish the computer you bought.

8. Don't underestimate the change

Save the change and put it in the piggy bank. Every little makes a mickle, which looks a bit old-fashioned, but it can help you form the habit of not wasting.