Here are ten tips for you!

The first step: forced savings

Go to the bank to open a small deposit and lump sum account. After the salary arrives, you must force yourself to save part of it. In addition, many banks now offer "all-in-one" business, which can be authorized to the bank. As long as the amount of the salary passbook reaches a certain amount, the bank can automatically convert a certain amount into a time deposit. This "forced savings" method can Get rid of the habit of spending money randomly and continue to accumulate personal assets.

Second tip: Live within your means

For the "moonlight tribe", the most important thing is to control the desire to consume. In particular, we must establish a financial management file to record a month's income and expenditure to see where the "money is flowing like water" is flowing, and see which expenditures are essential, which are dispensable, and which It is an expense that should not be incurred. Then reduce the "dispensable" and "should not have" consumption month by month. At the same time, you can use your salary passbook to open online banking, check your balance at any time, know your own funds well, and adjust your consumption behavior at any time based on your passbook balance.

The third trick: Resist temptation

Businesses are offering more and more promotions, and various temptations have caused many people to suffer from "buying disorder", especially those who are good at shopping. Calculating women, for fear of missing out on discount opportunities, often do not consider their own needs or the overall cost of shopping, and blindly buy like crazy. Many "money earners" will lose all their money as a result. It is recommended that you consider whether your consumption is reasonable before making a decision.

The fourth tip: Don’t overdraft

Card-based consumption is becoming more and more fashionable, but not everyone is suitable for using YIN HANG KA, especially when it comes to credit cards, you need to be cautious . In addition, you should also use the overdraft function of your credit card with caution. Excessive overdraft will make you become a "negative person".

The fifth tip: Save money

Eating out is one of the main features of "moonlight families", and the expenses of many families sometimes account for a quarter of their monthly income. It is recommended that family members learn cooking knowledge and buy some of their favorite vegetables or semi-finished products for processing when they get off work. This is not only hygienic but also saves money.

Sixth tip: Expenditure classification

In addition to leaving your necessary pocket money every month, all the remaining money should be used as a family basic fund; list the basic expenses for the month, Such as water, electricity, gas, heating, etc.; list the living expenses for the month (here mainly refers to food expenses); and leave a small amount of other expenses.

Seventh tip: Make reasonable deposits

After listing the necessary expenses, the remaining money is most secure for working families in the bank. It is best to divide this part of the money into two parts, 20% as a current deposit for emergency needs, and 80% as a regular deposit, which can better restrain the urge to spend money. Another part is unexpected large amounts of income, such as dividends and bonuses during the Chinese New Year, which are large amounts of income. Since this part is generally large in amount, it is more appropriate to plan how to store it. It is best not to save it. Instead of forming one time deposit certificate, it should be divided into several certificates of deposit. In short, the fewer certificates of deposit used, the better.

Top 8: Lower the rent (for renters)

It is still possible for long-term renters to achieve this through their own efforts. First of all, the rent must be paid on time and handed over to the landlord three or four days in advance of the specified date. Then, at the appropriate opportunity, talk to the landlord and ask for a rent reduction. Of course, there are conditions. You need to use your savings to pay off the rent for a period of time at once. You may be able to save 50-100 yuan per month.

The ninth tip: The elderly are in charge of the house

If possible, take turns bringing both parents to live at home, and let the elderly be their housekeepers. In this way, not only does the relationship between the big family become harmonious, but also the family learns to be diligent and thrifty in running the household. It is also easier to find reasons to refuse if there are too many gatherings.

Top 10: Timely investment

If your accumulation reaches a certain amount and local real estate has a certain potential for appreciation, you can consider a mortgage loan to buy a house. In this way, the monthly salary must first repay the principal and interest of the loan. Not only can it change the bad habit of spending money indiscriminately, but by managing finances in this way, you can also enjoy the benefits brought by the appreciation of the real estate. It can be said that it kills two birds with one stone. In addition, it is also worth adopting the method of allocating a certain amount of funds every month to invest in government bonds, open-end funds, etc.