2. Learn to keep accounts in your life.
Make a good expenditure budget, get into the habit of bookkeeping, make a simple accounting and statistics on household expenditure, carefully analyze it, find out which consumption is necessary and which consumption is unnecessary, make a plan for next month's expenditure, and understand what kind of consumption you can only make in low-income families.
3. Reduce the expenditure of human consumption.
In today's society, there are more and more human consumption, and the models are different. Therefore, if you have something at home, you must master this degree and try to reduce the scale. This not only reduces the expenditure burden of relatives and friends, but also reduces their debt of gratitude, and also saves a lot of money for themselves.
Step 4 plan to purchase
At the end of each month, you should take a careful inventory of the things you want to buy next month, such as clothes, vegetables and daily necessities, write them down in your special notebook, and then go to the market to understand the market. When you want to buy, you can go to the place you plan to buy, instead of blindly buying things and spending more money, which can get rid of the bad habit of spending money indiscriminately.
5. Develop the habit of thrift.
In life, there are many unnecessary expenses. Although the amount seems small, it will be a large sum after a long time, so learn to reduce daily expenses. Such as energy-saving and water-saving facilities. Try to reduce the chances of eating out and cook by yourself, which can save some expenses.
6. Deferred loss expenditure
Any article has its own life. If you are diligent in nursing, you can not only prolong the service life, but also improve the use function of items. This method also reduces the consumption of trade-in and makes you more diligent. Therefore, you should strengthen the care of household appliances such as TV sets, refrigerators, stereos, washing machines and other means of transportation such as bicycles and motorcycles in your life.
7. Learn some minor maintenance techniques.
Try to understand the maintenance principle and common sense of mechanical items and household appliances, and equip with some simple maintenance tools, such as wrenches, screwdrivers, axes, saws, nails, planers, etc. When such a good habit is formed, if there are some minor faults or failures in electrical appliances, machinery, wood products, decorations, etc. In life, you can repair it yourself, saving some maintenance costs for your family and increasing your knowledge.
You can increase your income by doing part-time jobs.
Low-income families should not only save money, but also find ways to increase their income. We can increase our income by doing part-time jobs. Although sometimes part-time jobs don't have much money, everything can be added up.
Good insurance
In low-income families, if someone has an accident, it will undoubtedly add insult to injury, which will make low-income families bear the possibility of heavy debts. Therefore, we should learn to buy insurance to reduce family risks and transfer risks to get rid of difficulties.
Health insurance is the mainstay, supplemented by accident insurance. In families with low level of social medical security, it is an ideal insurance scheme to purchase major illness health insurance, accidental injury medical insurance and hospitalization medical insurance package. Because most of the expenses of low-income families are spent on children's education and daily life, it is best to buy insurance at a cost lower than 10% of family income.
Mingzhi investment
In low-income families, it is also a good way to manage money, but in low-income families, you should be psychologically prepared before investing, choose high-return investment, and understand the operation of investment methods and the risks that may bring you. It is most important to always pay attention to the risks of investment. Don't invest blindly when investing, but look at your own economic level and investment knowledge. Only in this way can we better control the risks brought by investment. Judging from the current situation, the stock and futures markets are not very good and the risks are great. Therefore, if you want to invest, you can invest in government bonds, money market funds and RMB wealth management products. This method can not only bring the corresponding interest rate, but also accumulate it.
Matters needing attention
In low-income families, don't just complain about low income and insufficient consumption. As long as you know how to pay attention to the details of financial management in your life, learn to use your mind skillfully, open source and reduce expenditure, you can have your own wealth.