I have three suggestions to help you get rid of the moonlight clan.
1. Count personal assets and liabilities
Thoroughly clean your personal bank account and find out how many bank savings cards and credit cards there are. It is suggested to make an Excel table to list assets and liabilities respectively. Record how much money each savings card has and how much money each credit card owes.
If there are real estate, automobile products and other stocks and fund investments, they should also be included in the balance sheet. If there is a consumer loan other than a credit card, check the loan amount.
The following is a personal balance sheet template:
Make a savings plan
Many people will have a savings plan, which will last for several months at first, but it won't last long. Because all kinds of emergencies need money, we have to give up our savings plan and withdraw money from our savings to pay for these unexpected expenses. If you keep doing this, you will definitely break your savings plan, and finally you will be a moonlight family.
It is recommended to try the following methods:
1) shortens the shelf life.
Make weekly deposit plan or daily deposit plan. Find a bank card dedicated to making savings plans and deposit money on this card every week or every day. Specifically, you can do this. Take a week as an example, make a weekly deposit and transfer the money directly to the designated savings card every Sunday.
2) Deposit 10% salary.
Many financial courses tell you to save 20% or 30%, but many people can't. I suggest setting 10% as savings, because 10% of salary is for individuals. If you reduce 10% of consumption expenditure, your quality of life will not be affected.
3.？ Control consumption desire
Many people have had the idea of controlling their consumption desire, but they can't help but buy it every time, or buy it by credit card. On the monthly bill date, they are always anxious because there is another large debt to pay. My suggestion is that if you can't control your consumption, cancel your credit card and only swipe your UnionPay savings card at a time, because when you spend money, you are really spending your existing money, not your future money. Spending money in the future is just a numerical concept. It doesn't hurt every time I spend money. Of course, you can control your consumption desire and pay back all the money on the interest-free day of the credit card. You can pay by credit card.
The most important thing to control consumption desire is to remove the latte factor. The so-called latte factor means that you must drink a latte every morning. If this cup of coffee starts in 30 yuan, it looks like a small cost, and it will cost 300,000 yuan in 30 years. If you put this daily coffee money in 30 yuan into a special savings account, you will have a savings account of 300,000 yuan in 30 years. So when you spend impulsively, think about the latte factor and control unnecessary consumption.
Give up your life. I bought a lot of clothes, but maybe some clothes haven't been unpacked and have been put in the closet for a long time. I bought a lot of bags, and some of them may have only been carried once. I bought a lot of lipsticks, maybe I haven't used them once, and they are all expired. There are many such situations, which is one of the reasons why we are moonlight clan.
We need to give ourselves a break in life. For example, we only need to buy basic clothes, and we need to buy quality clothes. You bought a bunch of cheap clothes before. You may wear them once and accumulate them, which is more expensive than buying an expensive and quality dress at one time. For example, reducing some useless socializing can also save a lot of food and beverage consumption.
Specific ways to break up, you can read this book, you can also learn from professional teachers. After all, financial management is to manage life.
The above three suggestions, you might as well try to act first, and after a month, see if you are still a moonlight family.