1. Reserve funds for your future. Every time I get paid, I tell myself to set aside 15%-25% for investment funds. Remember to count the money paid to yourself in the future in the monthly fixed expenditure items.

2. Write down the expenses. Recording your own expenses is helpful to understand the important expenses of individuals or families and to define the bottom line and goals of life.

3. Leave only one credit card. The more credit cards you hold, the greater the opportunity and desire to spend money, and the more overdrafts you accumulate.

4. Avoid blind shopping. The only way to control blind shopping is to complicate your buying behavior. I suggest you cultivate other pastimes, such as reading, chatting, sports and so on.

5. Extend the service life of articles. Learn to take care of your clothes and prolong their service life as much as possible, which can save you a lot of money!

6. Save this windfall. For an unexpected sum of money, such as dividends and bonuses. Personal financial advisers believe that windfall should be used for projects that are saved and invested for retirement.

7. Reinvestment of interest and dividends. Bank savings are simple interest. If investment dividends are automatically reinvested, you can enjoy the compound interest effect. In addition to the principal, interest will also roll over.