1. Use the dream list to force savings

Who doesn’t have a few dreams? When I was a child, my dream was to grow up quickly. When I grow up, my dream is to go to college and graduate from college. My future dream is to save more money.

But after working, I forgot about saving money. What should I do?

In the introductory financial management book "Puppy Money", the puppy Qianqian teaches the owner Gia to realize her dreams by making a dream list.

Giya’s dream is to help her parents pay off their debts, and by making a dream list, she starts taking action, and finally realizes her dream of helping her parents pay off their debts.

In fact, we can also make a list of our dreams first. It is best to make the list digital and as specific as possible.

For example: Save 10,000 yuan this year to travel;

Save 200 yuan every week to buy a dress for your beloved;

Save money for smoking Buy a laptop worth 5,000 yuan;

Save 1,000 yuan every month and give your child a big gift at the end of the year, etc.

First list the dreams you are eager to realize, budget the amount, then create a fund account, choose a fund that suits you, and set the fixed investment amount and date.

It is best to set the fixed investment date to the day after the salary day, for example, when wages are paid on the 15th, the fixed investment date is set on the 16th.

This is equivalent to saving first and spending later, forcing savings, and letting fixed investment funds automatically help us realize our dream of saving money.

2. If you want to save money, make a list of daily expenses first and purchase them together

It is difficult for a clever woman to make a meal without rice. Now that you have a dream, you have decided how much you will save every month.

It’s just that I didn’t develop the habit of saving money at the beginning. After I was forced to save a certain amount of money. I found that I had less money to spend.

What should I do if I have less money?

Then you can only save from daily expenses and distinguish between "necessary" and "wanted" things.

What is "necessary". It’s just that there is no such thing that will affect our normal life. For example, the usual firewood, rice, oil, salt, sauce, vinegar and tea are all daily necessities.

What is "wanted"? You can live without this thing, but having this thing may make your life better or worse.

For example, snacks are always displayed in the most conspicuous position every time you go to the supermarket, and they also have very attractive prices, attracting you to keep buying. Finally, I found that eating too many snacks not only affects my health, but also wastes a lot of money.

For example, cars are consumables and can bring convenience to your travels, but only if you have saved enough money before you buy them.

After clearly distinguishing these, make a list every time you go shopping and focus on one-time purchases.

Tou Erjun usually lists the things he wants to buy for the week on weekend mornings and goes to the supermarket once for shopping. With the constraints of the list, not only will you not buy indiscriminately, you will get discounts on weekend shopping, and you can also save a lot of money.

The money saved can be saved again, which can be said to kill two birds with one stone.

3. Delay consumption and save money to the extreme

Make a list for daily shopping and save money by shopping offline, but this is not enough.

In the Internet era, online shopping has also become a trend. It's convenient and fast, and you can clear your shopping cart if you don't agree, and of course you can only use it in the end.

The wise thing to do is to add the items you want to buy to your shopping cart and wait 72 hours before purchasing.

Why do you have to wait 72 hours before purchasing? Because there is a 72-hour rule in psychology. This means that if you really want something, wait 72 hours before talking about it.

If you still want this thing very much after 72 hours, then buy it. If you don’t want it, don’t buy it.

Those who take advantage of this law will eventually find that they don’t particularly want to buy it, and end up saving a lot of money.

For example: Tou Erjun saw a newly released mobile phone of a certain brand that sold for 10,000 yuan. He was very excited at the time and wanted to buy it immediately. However, Tou Erjun suddenly thought of delaying consumption, so he added the mobile phone to the shopping cart and waited 72 hours before buying it.

After 72 hours, Tou Erjun didn’t have the urge to buy a mobile phone. He wanted to invest 10,000 in the fund. Isn’t it nice?

So when you want to clear your shopping cart, you must learn to delay consumption. Only in this way will you not pay for impulse and save money.

4. Increase your income and save more money

Saving money does not mean that you can blindly live an ascetic life. Saving money should be done while ensuring that your consumption does not degrade. There is still plenty.

If you earn 3,000 yuan a month and have to rent a house, eat, and buy clothes, how much money will you have left in the end?

Therefore, if you want to save more money, in addition to saving money every month, you must also increase your income.

Only when your income increases, your principal will increase.

When your salary is 3,000 yuan, the compulsory savings of 10% of your income is only 300 yuan a month and 3,600 yuan a year.

When your salary rises to 10,000 yuan, you are also forced to save 10% of your income, which will amount to 1,000 yuan a month, and you can save 12,000 yuan a year.

If you find through saving that you can control your expenses to less than 5,000 yuan, save 5,000 yuan every month, and save up to 60,000 yuan a year, you can go from making money to having money in less than 2 years. A master of saving money with a deposit of 100,000.

5. Don’t forget to do a good job in security work

You have worked hard to save money for several years and returned to before liberation overnight. I finally saved 100,000 from the moonlight, but if it was broken by a sudden accident, then the gain would outweigh the loss.

Especially for those who need to support the elderly and children, they must pay more attention to the role of insurance. When you save money, don’t forget to buy the necessary insurance for your family and yourself.

For example, social security, new rural cooperative medical insurance, accident insurance, critical illness insurance, critical illness insurance, etc.

With these guarantees, you can save money without worries.

As the saying goes: "As long as you work hard, an iron pestle can be ground into a needle." As long as you are willing to work hard, start saving from the little money around you, increase your income, take good security, and set dreams to force savings, you will definitely be able to save. Bet money.