Try To Change Consumption Habits To Finance &Nbsp; Earn "More Determined Money".

speak of Conduct financial transactions Many people's first reaction is "stocks, real estate". Investment "Or" money generates money ", few people will pay much attention to improving themselves. consumption Habit. However, for a stable income office worker, because of its limited investment channels, relying on investment may not necessarily get assets appreciation, but if we can improve our spending habits and make our consumption more reasonable, we can save some of the more determined money. So, how can we improve our consumption habits? Here I share some methods for your reference.

First of all, planning before consumption is necessary. For example, a family's daily expenditure should be controlled within 50% of the income (if there is no mortgage pressure can be slightly higher), assuming that a family's monthly income is 8000 yuan, then the family's daily expenditure should be controlled at around 4000 yuan. In order to maintain no overspending, we can allocate 4000 yuan to the family members who need to spend according to the week, so that the money in each purse is restricted, and it can also control consumption desire to a certain extent.

Secondly, in most cases, credit card consumption is one of the main reasons for overspending. Instead of advocating the use of credit cards, they do not advocate the use of multiple credit cards for consumption. When a person uses multiple credit cards, he tends to have vague memories of his own consumption behavior and amount. When you use only one credit card, you will have a good control over your spending behavior due to the limited amount of credit cards. In addition, after the use of credit card consumption, we should choose the next month's repayment in time. We should not choose to repay the loan at the lowest repayment amount, because the interest rate of the credit card is very high. If the repayment is made at the minimum repayment amount per month, the interest rate to be paid may be as high as 15% or even higher.

Thirdly, people need to change their mindset. People tend to have many impulsive consumption, especially women. commodity Often there is no resistance. In order to control this impulse, it is better to ask yourself some questions before spending every time. For example, when traveling, see what you like, ask yourself if this thing is bought or delivered to you. If you use it, then where should you put this item? Maybe you will become more and more desalinated when you think about shopping, and you will no longer be impulsive. In addition, when choosing clothes and accessories, it is suggested that MM fix several brands suitable for oneself, so that the choice of consumption range is also one of the means to control consumption. Then how can we determine the brand? Maybe you can ask yourself which brand clothes and bags have bought more than half a year, but are still willing to reuse them? If so, then the brand must have elements that are suitable for your temperament. If you buy these brands regularly, you can increase the utilization rate of articles and save money.

Department stores and shopping malls buy things, but if you often surf the Internet, try online shopping. You will find that the same products can be sold on the Internet only for 2/3 or even lower. This is because online sales are eliminating the cost of leasing sites and hiring salesmen, so the price of goods is very cheap. At the same time, more and more network sales modes will lower the price of commodities. For example, some rebate websites will return cash coupons according to the amount of merchandise purchased for your next consumption, and some "group buying" websites, using the way of "distribution and distribution" to turn retail into mass purchase, so that each member who participates in "group buying" can enjoy a low wholesale price. Finally, changing consumer channels is also an important way to control spending. Maybe you are used to it.

Changing your spending habits not only saves money, but also gives you lots of freshness and fun, making money easier. You might as well try it.