How to save money and indulge in it, rich woman?

Learn to save money

Let you say goodbye to the moonlight clan

Master savers save money.

Why save money?

Deposit is the backing, but also confidence.

1. is the backing to resist life risks.

The probability of risk may be only 1%, but once it happens, it will be destroyed.

The destructive power is 100%. Many industries have been affected by the epidemic this year.

When it is affected, if there is no deposit in advance, the living expenses will be

There is a problem.

At any time, you should have a reserve fund in your hand to deal with risks.

One more deposit makes one more safe.

2. Let us have the confidence to be better ourselves.

Some people are doing unsuitable jobs, but they dare not change, because

Once you resign, your financial resources will be cut off. Saving can lay a foundation for the future.

Foundation, when you have a solid foundation, you have the courage to change course.

If you want to change your present life, you must start with saving.

First, give yourself more choices.

Teach you to save the first 65438+ million in your life.

How to save money

1."10% rule" forced savings.

Taking out 10% of your income every month for compulsory savings will not affect your current situation.

Life has changed so much. Spending 90% and 100%, although

There is no difference in the quality of life, but wealth is accumulating.

2. Develop a good habit of keeping accounts

I suggest you download the accounting software, and you can remember yourself in a month.

Have a new understanding of the economic situation, the software can also generate data reports,

Be clear at a glance.

3. Establish a wish fund

Divide income into three parts: daily expenses, fixed savings and wishes.

Fund.

Wish fund is used to satisfy your wishes, such as traveling and shopping.

Some luxuries, combining work and rest, are more motivated!

4. Make a budget and make a summary

Arrange and distribute income, set the monthly budget ceiling and save it.

Money index, an overrun, you have to cut other items.

Purpose expenditure.

5. Learn simple financial knowledge

It's really important for girls to have some financial knowledge! !

6. Invest in yourself: Open source can save more money.

Ren said: young people should not save money, but should save their skills and not save money.

It doesn't save money to keep in touch.

Invest in yourself to learn a new skill or improve your business skills.

Force, so you can save more money in the future!

Small ways to save money

1 52-week deposit method

1 year 52 weeks, the first week 10 yuan, the second week 20 yuan … 52nd.

Zhoucun 520 yuan. After one year, you can save 65438+3780 yuan!

You can also press the decreasing method, 1 520 yuan in the first week, 5 10 yuan in the second week …

In the 52nd week, 10 yuan was saved.

2.365-day deposit method

Choose a number from 1 to 365 to save money every day of the year. number

Can be repeated. Pay, you can save 365 yuan, pay the rent, only

Save 5 yuan. After one year, you can save: 1+2+3+...+365.

=66795 yuan!

It is more difficult for the student party and newcomers in the workplace, and you can add a decimal point.

Save a number in 0. 1~36.5 every day. This year will do.

Deposit: 0. 1+0.2+. +36.5=6679.5 yuan!

3. 12 certificate of deposit method (a considerable deposit method)

Suitable for people with relatively stable income, save 1000 every month this year.

Yuan to the bank, deposit 1 year. Suppose the interest is 10%, and the second one is

Since 2008, you can keep the principal and buy things with interest.

This method of compound interest, the longer the deposit period, the more obvious the income!

Bookkeeping app recommendation

The most complete function, is it suitable?

A novice with bookkeeping habits.

Fresh and flat design,

Simple and comfortable, easy to operate

Humanization.

Introduction to financial management recommendation

1. Puppy Qian Qian

Telling the truth of financial management through fairy tales is easy to read.

Puppy line money

Not as difficult as ordinary financial books.

2. Rich dad and poor dad

The author analyzes the completely different views and prices of money between the rich and the poor.

Values: Rich people will work hard and then earn with the money saved.

Money produces a snowball effect and realizes Qian Shengqian.

3. "Peter Lynch teaches you how to manage money"

Peter Lynch is the world's leading investment expert in this book.

Condensed his investment wisdom. He believes that the root of successful investment lies in

Based on basic theory and common sense, it is suggested that the younger generation should be as early as possible.

Start saving money and investing.