Suggestions on the storage of moonlight family
1. Cancel the credit card
Although credit card points can be exchanged for goods, if I have a credit card or spend money, I will unconsciously buy some big items beyond my ability to pay.
2. Shopping software is bound with a cash card before spending money. Spending money every time is the same as not spending money. After you change it into a savings card, you can know your real ability to pay and really feel every penny you spend.
Don't use staging, set a "cooling-off period" for shopping. Before I wanted to buy something, if the amount was not low and the money was not enough, I would instinctively buy it by stages. Now you will put what you want to buy in the shopping cart first, and want to buy it for a while, only when you can afford it at one time.
4. The less you repay the loan, the better.
If most of the money is used to repay the loan every month and the living expenses are reduced, you may still be unable to pay other bills and undertake other installment loans. So I decided to save 10% of my salary every month for compulsory savings, 20% for expenses, 5% for emergency reserve, and then use the rest to repay the loan.