How to spend money in moderation How to control spending

Start with bookkeeping and keep track of every dime you spend. At the end of the month, take a look at what your money has been spent, and then look at what is necessary and what is not necessary. Based on this, make a plan for next month's expenses, and see if you can cut some of them after the plan is out.

The last is the specific operation, usually in daily life, if you encounter a project that must be spent and it is unplanned, you must seriously think about whether it is necessary, once you support this expenditure, you have to see if you can reduce the planned expenditure, and if there is a balance at the end of the month, put it separately, accumulate more and save it. If you overspend, you must reflect on it.

You can start with a little more planning and gradually reduce your planning expenses later. As the saying goes, if you don't eat poorly, you can't dress poorly, and you won't plan to be poor for the rest of your life. Our company's monthly turnover is not less than 5 million, and every expenditure and income is accurate to one cent but unit.

Are you satisfied with the above?

Keep a record of your daily expenses, and keep a record of every expense. The extra money looks like it has to be there, and tells yourself that the money can't be moved. But in the end, you still have to rely on your own willpower, otherwise it's still the same!

I'm the same myself, so I won't bring more than 50 yuan when I go out! I won't take the card out either! The less you take out, the less you use, hehe, this method works for me!

Office workers should control their own expenses and have a clear plan for their salary, that is, they know how much their fixed expenses are each month, how much they want to control their fixed expenses every month, and how much they want to save in the end, so that they can control their expenses in a planned way.

2 6 office workers to control their own expenses is to learn to manage their assets in advance, although the salary income is not very high, but as they grow older, the income level will be higher and higher, reasonable management of their assets, help themselves to achieve higher goals.

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Advertisement 3 6 Office workers can control their own expenses can learn to shop around when buying things, that is, we usually say spend the least amount of money and buy more cost-effective things, which can not only improve our quality of life but also help us save money.

4 6 Office workers can control their expenses by hard saving, that is, they can save a fixed amount of money every month, and then accumulate a period of time after there will be an income, so that the expenses of office workers are fixed, so that we can save money and control at the same time. Hope to adopt.

I don't earn much, but I can't help but spend, how to control the impulse to spend money? With 11 years of experience, Mr. Hao Ze, a well-known emotional counselor and senior psychological therapist, leads the top tutor team of China Runze Consulting Firm to help you solve emotional marriage, emotional stress, parent-child education, and support online counseling and face-to-face counseling.

Make a spending plan at the beginning of the month! What is necessary to buy is bought first, and unnecessary depends on the situation. Not in the planned next month.

The money was deposited by God with you, not for you, and you have to get it back when you go back.

The money is stored by God, and if you can't spend it, he will take it back, and many people think it may not be right. Many people will leave the money to future generations after earning money, and this has to be said to be left to future generations, which is not necessarily good for future generations. Maybe Zhu Yuanzhang would never have thought that his descendants would express the emotion that he would rather not be born in the emperor's family for generations.

More than 100 years ago, the super-rich in the United States discovered that leaving a lot of money for their children harmed them.

Money and anything else is meant to make your life better, not to get you in trouble.

We often hear such a sentence in society, the first half of life with the body for money, the second half of the life with money for the body. We will find that in some developed countries, such as the United States, 17% of their GDP is spent on medical treatment, and in our country, we will also find that many slightly older people take medicine all day long, and the money spent on medicine is definitely greater than the money spent on food.

The purpose of earning money is to make life better, not to become a burden to yourself, and it is irrational to exchange your body for money, unless you take work as a practice like Kazuo Inamori, which is another realm.

Money is earned rather than saved, and the efficiency of earning money depends on one's temperament. Chained cherry blossoms.

What is the essence of money? is a tool for quantifying all goods and services. For example, if you have money to buy a house, you just spend money to buy the house, and all these people who are making bricks and tiles and doing the construction are just time.

For example, if you buy a luxury car, you just buy a bunch of steel and the labor time of all these workers in the process of remanufacturing the car, and the sales process, the time that these people pay.

So the essence of money is to buy other people's time, you have 10,000 yuan and you have 1 million yuan, but it is completely different in buying other people's time, the more time you can buy, the more resources you will have at your disposal.

Money is not spent, but it can be quickly invested in investment or speculation.

We will find that the people who really have no money are not those who are migrant workers or farmers in the countryside, they are all rich people, at least their income can meet their basic living requirements. On the contrary, there are some so-called investors who may invest all their net worth and will be in debt. One is positive and the other is negative, which do you think is richer?

Therefore, there is no way to spend money, and only investment can be used to invest all money.

The money is yours only when it is spent.

It said that God temporarily put you here in your previous life, and he will take it back if you don't need it. The money we earn is only our own when we spend it, and the money we don't spend is not our own.

1. Insist on recording expenses, making records of your daily expenses is a good habit to cultivate money-saving, you can use a notebook or special financial management software to record and register each incoming and outgoing bill, and summarize it every Monday, so that you can always grasp your spending habits and make special adjustments according to the financial notebook.

2. Put a small amount of cash in the wallet, do not put a large amount of cash in the wallet, for people who like to shop and can't control it, it is easy to spend in a short period of time, only need to put a few hundred yuan in the wallet to know the slag ridge cash, which helps to control the desire to shop, of course, some people like to spend on the card, and do not enlarge the denomination of the bank card in the wallet.

3. Shopping choice timing, friends who like to shop, should consider whether the things they buy are really needed, reduce the purchase of flashy, rarely used things, if it is indeed necessary to buy Liang Xin to buy the baby, it is recommended to choose the time to reduce the price of discounted goods, to buy, some goods online shopping will be more cost-effective, you can pay more attention to this aspect of the discount Xinxi.

4. Always pay attention to second-hand good things, many household equipment can use second-hand items, and there will be very big discounts, you can usually go to the local second-hand goods transaction, the local transaction will be more safe and reliable, of course, you can also use the second-hand transaction ** on your own idle items, discount and hedging.

5. Deposit and withdraw every month, go to the bank to open an account for small deposit and withdrawal, and deposit the remaining money into this account every month, or you can deposit the money into the balance treasure to provide the possibility for your own money to make money. This is also a modern concept of financial management, friends who have not tried it can check the relevant experience information and try this way of financial management.

6. Moderate social dinners, foodies like to gather and eat the most, once the control is not good, it is easy to cause excessive expenses, no monthly surplus, and even the result of losing money, so we should moderate the number of dinner parties, usually save a little, eat fast food or cook at home.

1. Learn to keep accounts, buy what should be bought, and resolutely don't buy what shouldn't be bought.

Everyone has the same feeling, that is, before going to the supermarket to shop, they didn't want to buy anything, but when they came out of the supermarket, the shopping cart was piled up, and the money in their pockets was sneaked away, and many things were bought back and useless. Therefore, the first principle is: buy what you should buy, resolutely don't buy what you shouldn't buy, and don't be attracted by some ** and discounts.

2. Save some money every month.

If you save 1,000 yuan a month, it will be 10,000 yuan in a year, and 120,000 yuan in 10 years, plus the compound interest of financial management, it will be more; At any time, when you get your salary, you should first put aside the money you should save and spend the rest of the money. With the same income, some people can save hundreds of thousands or hundreds of thousands after a few years, while some people are still moonshiners, and the difference is quite large.

3. The first thing to invest in is to ensure safety, and don't think about taking shortcuts.

Making a fortune is everyone's dream, but making a fortune depends on their own efforts and diligence, and some people always want to make a windfall, so they don't know how to enter the market and invest in P2P with extremely high interest rates. Therefore, you need to be cautious in investing, and when you can't afford to lose, don't do something risky.

4. Take advantage of coupons, red envelopes, **.

Now many merchants have coupons, red envelopes, **, don't underestimate this number, make good use of it, and you can save hundreds of dollars every month. Saving is earning, and these are shortcuts to saving money when you can't make a lot of money.

For example, online shopping: when you want to buy an item, add it to the shopping cart in advance, and wait until one day it suddenly kills, hurry up and save one for a brand of laptop.

Five or six hundred is not a problem.

5. Pay attention to the health of yourself and your family, and pay attention to health preservation.

It seems that health has nothing to do with saving money, in fact, the relationship is quite large, and health is an investment for the future; If one of the family members is sick, they will have to spend a lot of money and will inevitably save less.

So no matter how much money you have, you have to stay healthy, which is responsible for yourself and your family. For example, many diseases can be cured by cupping, massage, and moxa, so you don't need to spend a lot of money on medicine, injections, and hanging water.

If the other party can't control the economic consumption at all, then you can choose to keep the money in your own hands, and provide the necessary living expenses yourself, whether it is the usual food, or the cost of children's schooling, the cost of buying clothes, the things that should be bought as a male host as a husband, this is the economic obligation that you should provide, at least for the development of the family, this is what we should do, but the other party always buys something that is of little practical use,But if the economy is very expensive, you can refuse him in a verbal way.

After paying your salary, you can save a part of it regularly, don't touch the money, and then start to learn bookkeeping, so that you will slowly change your problem of spending money without moderation.

You can get a bank card, take out a part of the money and deposit it into this bank card every time, and deposit it for a fixed time, so that if you can't take it out, you won't spend it indiscriminately.

Since you all know that you don't have moderation in spending your own money, then be a little more restrained, and you can also keep an account every day so that you know how much you spend and then you won't spend it again.

I think you can put your own salary in the bank, and I think you will be restrained when you don't have money when you spend money.

If you don't have a balance in your spending, you can ask your friends to help you manage your money, and don't put all your money on yourself.

You should manage your money reasonably, don't spend money that you shouldn't spend, and if you really can't do it, you can find someone to help you manage your money.

You should make a plan to save money, and you can't be without moderation, and if you have an emergency in the future, you won't be able to get the money, and you will be very anxious.

I think you can make a consumption table, spend according to the consumption table, and then make a consumption list, so that you can spend money regularly and in moderation.

Self-control needs to be strengthened, and some coercive measures can be adopted, such as putting money in the hands of one's own parents, and trying not to touch the money will be better.

You can ask your close people to help you and ask them to help you manage your money, and then give you a little bit every once in a while so that you don't spend it too much.

To spend money without wasting it, here are some suggestions:

1.Education and quality improvement: Investing in yourself is one of the most worthwhile consumptions.

Participating in some vocational skills training, language training, mental health guidance, alumni associations, professional network groups and other activities can enhance our value, not only enhance our competitiveness, but also cultivate a better and more valuable self.

2.Health and quality of life: Choosing high-quality food, health supplements, fitness equipment, etc., can improve our health.

At the same time, choosing a beautiful and comfortable living environment can make us have a more pleasant experience in life. Investing in health and quality of life is very valuable and can improve our standard of living and increase our sense of well-being.

3.Investment and financial management: Rational investment is an aspect that each of us should pay attention to.

Choosing the right investment products can help us increase our wealth accumulation and increase investment returns. When investing and managing money, you need to choose different investment products according to your risk tolerance, return expectations and investment goals.

4.Reduce unnecessary consumption: Buying low-quality products will waste our time and money, therefore, we should buy high-quality products that can bring us long-term benefits. At the same time, avoid excessive consumption and control rational consumption.

5.Keep shopping receipts: shopping receipts have detailed unit prices of goods, before shopping, we should buy things under a reasonable budget, otherwise it is easy to get hot-headed when entering shopping malls and supermarkets.

6.Save water and electricity: Remember to turn off lights, air conditioners, and computer faucets when people are not around. If the faucet is broken, replace it in time.

In short, spending money without wasting requires us to consume rationally, focus on investing in our skills and health, choose high-quality products, reduce unnecessary consumption, and save water and electricity.