First, mandatory monthly savings, long-term adherence.
I will divide my monthly salary into several parts at the first time. Part of it is daily expenses, and part is financial management. I have two special-purpose bank cards. Due to compulsory savings, deposits will snowball.
2. Minimalism is the best way to force deposits.
Don't be fooled by consumerism, empty your wallet and buy something meaningless. Consumerism tells us to have a sense of ceremony and learn to love ourselves, but it doesn't mean that we have to spend most of our money on things beyond our economic strength, such as luxury goods, without much savings. Keeping a minimalist life and not spending money indiscriminately is actually a better way of compulsory deposit. I used to like to apply for membership cards in various stores, but later I found that I couldn't use them. Now I have got rid of this bad habit of spending money in advance and stopped hoarding daily necessities. I bought it after an empty bottle, and I don't buy goods that exceed the value of the goods themselves. I really can save at least 2000 yuan a month.
Third, learn how to manage money, so that Qian Shengqian can see the benefits of compulsory deposit.
We can start with low-risk bank financing and fixed investment funds. Bank financing can first invest in the wealth management products of state-owned banks, and the fixed investment of funds can be operated in Alipay, which is very simple and there is not much threshold. General bank financing is 50,000 yuan, and the fund has fixed investment 1000. In the process of many a mickle makes a mickle, we see the benefits of saving, and naturally we won't spend money indiscriminately.
Fourth, using credit cards skillfully can save more money.
In fact, if credit cards are used well, there will be many benefits. Use the card reasonably within your ability and repay it in time when it expires. For example, China Merchants Bank's credit card offers a 50% discount on Wednesday's catering activities. I attend every week, which will save a lot of money, and naturally save a lot of money.
Fifth, insist on bookkeeping.
Insist on bookkeeping, clarify the whereabouts of each sum of money, insist on recovery at the end of the month, reflect on unnecessary expenses, consciously control and adjust next month, and save unnecessary expenses.