How can I stop myself from spending money indiscriminately?

Money is not omnipotent, but no money is absolutely impossible, I am still a college student, my living expenses are given by my parents, I have not been able to support myself, but I don't have enough money to spend every month my parents give me, in fact, my parents give me a lot of money every month, and the living expenses of the classmates next to me are less than me, and the reason why my living expenses are not enough is because I don't spend money, I spend money indiscriminately, and I can buy whatever I want. Actually, I think there are many ways to prevent yourself from spending money too much.

The first method is bookkeeping.

Why do I spend money indiscriminately, I think I don't have a good concept of money, I don't take money seriously, and I don't know how much money is left in my pocket, so I think I have to let myself know the concept of money, know how much money I have, and buy things There will be some concerns, so I think the easiest way is to keep accounts, record every expenditure in life, and now mobile phones are also very convenient, Record the money spent on a notepad anytime and anywhere, don't leave every expense behind, and be sure to insist, don't write a few days and don't want to write, then it will be useless, always have an idea of the money in your hands, these money can not be spent indiscriminately, and there is no way to live this month without spending yourself.

The second way: parents are a little themselves.

In fact, all parents are still very distressed about their children, children want to buy what they want, no money can not let their children starve, will be giving money to their children, in fact, part of the reason for spending money is caused by parents, they are tolerant of their children, children will feel that their family is not bad money, they spend money indiscriminately, parents should be ruthless to their children. If you don't spend it, then you don't want to give it, you have to find a way to go, you can't go hungry if you can't do it, and you will remember it for a long time if you are hungry a few times, and you won't spend money indiscriminately.

The third way is to experience that money is not easy.

Why spend money indiscriminately is because I don't know that money is not easy to come by, isn't there a program on TV called Metamorphosis, parents can also follow suit, take yourself to the field to do some farm work during the holidays, don't feel distressed, only after experiencing it can you understand the truth, let him know that his money is not blowing in the wind, only let him understand this, know that every penny is his parents' hard-earned money, and he will definitely not spend money indiscriminately.

Manage yourself well, manage your money well means that you grow up, we must not spend money indiscriminately, and use the money on the cutting edge.

As a student party, I have a deep understanding of this.

If you prefer to pay in cash, try to keep your money on your bank card, keep only the necessary living expenses, and then pick it up regularly and don't take it too much. If you can't control yourself to withdraw money often, then you might as well take out the money and put it in the hands of your trusted friend and let him keep it for you, so as to control your own spending, and when you want to spend money indiscriminately, your friend can stop it and keep the situation under control. But the candidate of this friend must be chosen well, if you choose this friend who loves to spend money as much as you and does not know how to manage money, she may lose your money, or even accidentally spend your money, so this person must choose a more reliable friend.

Moreover, people who like to pay in cash generally love to go shopping, so they should try to minimize the number of times they go shopping. <>

If you are a mobile phone party and are used to mobile phone payment, then you need to get at least two cards. Bind the card you don't use often to your phone and just put a little money on it. In this way, if you want to spend money, you find that the balance on the card is insufficient and you have to transfer money, you will dispel the idea of spending money indiscriminately.

Similarly, if you still can't help it, transfer the money to a trusted friend and let him keep it for you, but this way the money is most likely to be mixed together, and it is not clear that the mobile phone payment is easy to spend if you don't pay attention, so you have to consider the pros and cons of each. Also, the mobile phone party must love to shop**buy, buy, buy, and uninstall ** ruthlessly for a period of time, and there may be huge gains.

Another trick is to ask parents to pay once every two weeks. There is a roommate who does just that, calling money once a week, and then once every two weeks, slowly cultivating the habit of managing money and not spending money indiscriminately. If there is any big expense, try to discuss it with your parents, and it is much better if someone stops you.

Then don't buy it when you want to buy it for the first time, and after a week you see it and still want to buy it, you can't help but don't buy it, and finally after a month later, you see it for the third time and you still want to buy it, then buy it, and you are impulsive for it three times, and if you don't buy it, it will really suffocate you.

3.The third way is to save the money, save it for a fixed time, and only keep the money left every month according to your own expenses, you can have a little more, and save everything else (the kind that cannot be withdrawn on a current basis).

First of all, you need to figure out how much you will spend on living expenses every day; Then, when you get the money, take out your living expenses for a while. If there is any leftover, you can go to the bank to get a passbook and a deposit certificate for the whole deposit, every month, save part of the money to the deposit certificate (once this part is saved, it cannot be taken out), and the other part is deposited in the passbook, this part is used to prevent sudden emergency, and you can withdraw the money at will when you use it.

There is also that when buying something, you can't buy what you like, but you have to consider whether it has a practical effect and significance for us, and you must always remind yourself that when it comes to buying things, you will develop a habit of not buying things casually, and gradually the money will be saved.

This is my own experience in saving money, I hope it can help you!

1. Shop less.

2. Shop according to the list.

First of all, make a list of the things you need at home, and write down what you find that you should buy immediately, so that when you go shopping on the weekend, you have a goal to buy and try to look at other products as little as possible. As for unexpected discounted goods, ask yourself a few times before buying whether you need them, buy them back if you really need them, and don't stay if you don't need them, because you may not be able to control your desire to buy them if you don't need them.

3. Regularly organize the wardrobe and shoe cabinet.

This is something that most girls don't like to do, and I'm the same, but in order to get rid of the problem of spending money randomly, I have to tidy up, because some clothes have not been worn for a long time and forget about its existence, and if I don't tidy up the wardrobe, it is possible to buy a duplicate one, and I regret it when I find out that it exists. It's the same with shoes, if you buy too much, you forget what shoes you have, and regularly sort out and find out your seasonal shoes to save money to buy.

4. Increase the service life of household items.

There are many cases where some household items can be used continuously, but when they find something more beautiful and better, they want to change it, and after they do, they have to throw away the things that could have been used, is it too wasteful? If you want to change an item, you must follow the principle of disconnection, that is, it is going to be thrown away and can not be used and then buy a new one, and then the old one is decisively thrown away, if there is an idea of being reluctant to throw it away, it means that this thing can continue to be used, then there is no need to buy a new one.

The best way to prevent spending money is to make a plan, for example, when we get our salary, we can make a plan of our expenses, such as how much we need to spend on food, how much we need to buy clothes, and how much we need to spend on other expenses.

After making a plan, try to spend money in strict accordance with these plans, so that we can effectively control our own spending, if your expenses exceed your plan, you can increase it appropriately next month, but you can't indulge yourself when you increase, otherwise it makes no sense to make a plan.

For girls, the biggest expense is probably clothes and cosmetics, but sometimes we can't pass on a few times after buying, which is a huge waste of money, in order to prevent this situation, we must make a plan when buying clothes, think clearly about whether they need it, whether they can make full use of it.

This is very important for some girls who are nervous about money, after all, we have to make full use of our money in life to keep ourselves away from spending money indiscriminately.

The reason for spending money is sometimes to let the merchants fool, in various festivals, we often encounter various activities of merchants, sometimes we feel that the product is really cheap, and we feel that we don't buy as if we missed hundreds of millions, but after I bought it, I found that there was no use, and a lot of money was wasted, so we must choose what we need when shopping.

Many people in life have the habit of spending money lavishly, which brings us great harm, so how to get rid of the problem of spending money indiscriminately? Today, I will tell you 6 tips to get rid of the bad habit of spending money indiscriminately in your life, so let's take a look.

1. Know your income.

When you spend money, you need to consider your income, whether your income is a fixed salary, or whether you have a new income every day, whether it can meet your daily spending lavishly, and remind yourself how much income is left for this month when you spend money, and whether your income and expenses can be balanced.

2. Write a shopping list.

Every time you shop, you have to have a plan, have an arrangement, think about writing a good shopping list, what you need to buy, what you don't need to buy, don't blindly buy, buy something you don't need, it's a waste.

3. Stay away from activities such as discounts.

I want to tell myself not to be cheap, and as soon as I see the ** discount activity, I hurriedly buy it, but I find that I can't use it when I buy it, and it's not suitable for use.

4. It is best to use cash to buy with cash, and less credit card.

Swiping cards has become a fashion for shopping, and swiping cards has promoted consumption, but swiping cards has made many people develop the habit of spending money indiscriminately.

5. Don't compare and don't compare.

You know your own ability, you know your family background, don't compare with others, don't fight for wealth with others, just eat healthy and dress comfortably, don't pursue expensive brands.

6. When spending money, remind yourself that money is earned, not wind-blown.

When you spend money, you should think about it in your heart, how did the money come from, it was earned by your own hard work, not by the wind, or falling from the sky, you must be worthy of yourself, don't let yourself live so tired.

In fact, if you have money on your body, it is not without practicality, and you have money to use it flexibly.

You are now who you used to be. But I found that this phenomenon is also a daily attempt to control money, just once a day, and at the end of a month, I have to calculate whether my income and expenses are in my ideal of overspending. It is a good thing to have money, but the essence of spending money is far from allowing you to understand it yourself, so you must first learn the ideal of life, the plan in life, this spending money is unreasonable to spend on life, so no ideal and no plan will naturally become a random spending.

Pay attention to the method, that is, you can take down your biggest ideal and want things with your own income.

There are many ways to save money, here are some of the most common ones:

1.Open a savings account to store the money saved, such as cutting back on some small purchases, buying sweets, snacks and so on.

2.Put some amount into your savings account on a regular basis through automatic deductions, investments**, etc.

3.Use your credit card when you spend, use your credit card points to save money, and use the gift or offer on your next purchase for ongoing gains.

4.Start a savings group at school or work, or ask friends and family to help manage your money.

For young people, the enlightenment of lifestyle and financial management concepts is particularly important. While enjoying life, you should make a reasonable expenditure plan according to your income level and expenses, try to ensure economic stability and continuous improvement of living standards, and use part of the funds for investment and pension, so as to make full use of time, obtain higher returns and make adequate preparations for the banquet.

Of course, cutting back on food and clothing is not a sustainable way to do it, and it can have a physical and mental health impact. Therefore, young people can manage their assets and increase their income by optimizing asset allocation and looking for low-risk, high-yield investment vehicles, so as to lay a more solid foundation for their wealth appreciation and future, so as to achieve the goal of financial freedom.

In short, young people need to have the correct concept of financial management, adjust their consumption habits in a timely manner, learn to manage money scientifically according to their actual situation, and make good use of every minute and second to achieve their financial goals and financial freedom.

Here are some ways to save money:

1.Automatic Savings Rollover Program: Automatically transfer a portion of your monthly income to your savings account so you don't forget to save money.

2.Reduce unnecessary expenses: e.g. cancel unnecessary subscriptions, cut down on eating out, etc.

3.Compare prices when shopping: Compare and look for the best deals before you buy anything.

5.Limit your spending: Set a budget that you can use each month and stick to it.

Young people should consider whether to cut back on food and clothing according to their own situation. If the current economic situation is not good, it is very important to save money. However, if the financial conditions allow, you can also enjoy life appropriately, but you need to be careful not to over-spend, otherwise you may fall into financial difficulties.