There are two reasons for the emergence of moonlight clan, one is to earn too little, and the other is to spend too much. Therefore, to solve the problem of moonlight clan, we should start from these two aspects. The first is the problem of earning too little. What we have to do at this time is to improve our ability and make our salary more and more. There are many ways to improve your ability, depending on whether you have found your own direction and are willing to make efforts. As the saying goes, there is no end to hard work. If you really want to change yourself, there will definitely be many ways and opportunities. Even if you really don't have any ability, doing one or two more jobs can increase your income and exchange time for money, although this is the stupidest way.
Another problem is that it costs too much, so we must find the problem from the source. First, we should learn to keep accounts and develop the habit of keeping accounts. Record the daily expenses of each month, find out which expenses are necessary and which are unnecessary, and know where each of our money is spent. For unnecessary expenses, we should try our best to reduce or even eliminate them, so as to develop good consumption habits. Because all good things need patience. Enjoy yourself in advance, and you will end up muddling along. Without life planning, it is difficult to realize the beauty of wealth. When spending, we can think about whether this consumption is necessary, necessary and desirable. We must spend the necessary money, which is irreversible. Can we find a substitute for what we need? Be careful what you want. For example, lunch should be 10 yuan, set meal should be 20 yuan, because there are fruits and milk, and buffet 100 yuan is what you want. At this time, we have to consider whether I choose necessity, need or want. Therefore, every time we judge and choose, we can avoid a lot of impulsive consumption. Let's save ourselves a lot of money
In addition, it is necessary to form the habit of compulsory savings, that is to say, every time wages are paid, they must be divided into three or five equal parts. The first part is our daily living expenses, the second part is our compulsory savings, the third part is suitable for us to invest in learning, investing ourselves and preparing for the future, the fourth part is some emergency reserve funds for unexpected things, and the fifth part is human relations, inviting guests to dinner and so on. It is a very important expense to improve one's ability and income in the future, so one's pattern should be bigger, and one can't save or consume blindly.
Finally, learn more about financial management. As the saying goes, financial management is to manage life. If you want to live a rich and free life earlier, it is necessary to restrain consumption in the early stage, which is what we often say is that waiting is valuable. Because of the money saved, we can make it into Qian Shengqian and lay golden eggs, which will regenerate more chickens and lay more golden eggs. This is the compound interest value of time. Therefore, the difference between people who know how to manage money and those who don't is not a hundred thousand miles, but an atomic bomb.
A planned life is full, and a life with financial planning is happy.
I am Xiao Ling, a financial expert, focusing on financial management, children's financial quotient, family financial planning, and living a different and wonderful life. Wechat official account Xiaoling natural ID: natureID:naturexiaoling