Don’t have enough money every month?

Instead of lamenting every month where all your hard-earned money has gone, why not start learning how to manage money now and make your money grow more and more.

1. Income "Thirds Rule" After receiving your monthly income, don't be in a hurry to spend it. First, roughly divide it into 3 parts, among which: 1. Living expenses account for 1/3: that is, rent, water, electricity, communications, firewood, rice, oil, salt and other necessary expenses

, no matter what, make sure that this part of the money is not used.

2. Savings account for 1/3: deposit it in the bank and use it as little as possible when there are no special expenses.

3. Activity funds account for 1/3: The remaining part can be used relatively freely according to your current life goals, such as traveling, shopping, parties, etc. or investment.

2. The “10% Rule” enforces savings to ensure that 10% of your monthly income is actually saved in the end.

For example, if it is 3,000 yuan per month, then 300 yuan should be saved.

If you have plenty of money, you can increase the proportion of deposits, but it is best not to be less than 10%.

The key to saving is to force yourself not to move this amount of money every month.

The principle of storage is: you should have a long-term demand deposit that can sustain your basic life for 3-6 months.

3. The dream piggy bank lists the savings process and goals for a period of time in the future for your "dream" (the more expensive thing you want to buy), which is called the "dream piggy bank".

Purpose: 1. Delay gratification, so that the realization of each "little dream" has visible traces of hard work, and you will cherish it more after you get it; 2. Control expenses; 3. Know the trade-offs for the "dream"

.

Specific operations: 1. Make a list of the "consumption dreams" you want to realize, including the required amount, starting time, and planned completion time; 2. Record each amount of money saved on the right side of the list, and at the same time

Transfer this money to a special account; 3. Count each amount of money saved until the required amount is collected, record the actual completion time, and compare it with the planned completion time.

4. Purpose of the step-by-step money saving method: 1. Compulsory saving, suitable for those who cannot save money, such as the moonlight tribe and the hand-picking tribe; 2. Spending reduction, through this method, you can save unnecessary expenses and save money; 3.

, accumulate less and make more, put up your pocket money, and put the money that was originally slipped away to a greater use.

Specific operation: According to the equal difference method, save a certain amount of money each week than last week, such as 10 yuan in the first week, 20 yuan in the second week, and 30 yuan in the third week.

.

.

By analogy, deposit 520 yuan in the 52nd week.

After a year of this, even if the starting amount was only 10 yuan, the total amount reached 13,780 yuan by the end of the year.

5. Learn to keep accounts. Accounting allows you to see where your money is spent every month, analyze necessary and non-essential expenditures, and make your consumption more "living within your means".

What you need to remember are: 1. Monthly income; 2. Monthly fixed expenses: rent, water and electricity, etc.; 3. Daily expenses: can be divided into three meals, transportation, shopping, and others; 4. Non-daily expenses:

Such as traveling, etc.

The above items regularly calculate the total income and the proportion and changes of each part of the expenditure on a monthly basis.

5. Existing fixed assets such as real estate and cars; current assets such as cash, deposits, and Alipay; investment assets such as stocks and financial management; 6. Existing long-term liabilities such as mortgages and car loans; short-term liabilities such as credit card arrears.

The above items are recorded and counted regularly every month.

6. Control the consumption of durable goods, commonly used tools, electrical appliances and other things that will be used for a long time. I would rather buy good quality and brand, without additional functions, just basic models. Saving money on such things is a waste of money; during festivals and promotions

Pay attention to various e-commerce companies. You can stock up on multiple FMCG items at one time during events; withdraw the estimated monthly use in cash and keep it for safekeeping. Do not withdraw money after you have used it. This will make it easy to lose money unknowingly.

Use it up; don’t take too much cash when going out; drink less or quit drinks, coffee, etc., make your own tea or homemade drinks; cook more by yourself and eat out less; reduce or avoid group purchases, and buy less supermarket sales that you don’t need

products; don’t follow the trend, don’t try new things; in any case, ensure normal and planned consumption, and don’t suppress yourself to be frugal.