What should I do if I can t save money, and what can I do to solve it if I can t save money?

You can try to invest with less leverage.

QQ pet pointed out that the part-time job is not able to save money, and it will be hungry because of the part-time job. Taking a bath costs more money, so you have to earn money by doing tasks and some small games.

I just got married and was in debt, and the expenses were big everywhere.

Why can't I save money?

1. Have a plan to save money.

No matter how much money you have, you must learn to force yourself to save money, as the saying goes: "Money is not everything, but no money is everything". If you want to save more and more money, you must first accumulate the principal, and the amount of the principal directly affects the increase of financial income.

For salaried people, they can be forced to save one-third of their wages every month, and this part of the money can be invested on a monthly basis. For people with irregular incomes, they can use the 365-day savings method to restrain themselves from saving money, and the further the 365-day savings method, the greater the pressure to save money.

But that doesn't stop us from saving money, and the 365-day savings method mainly focuses on a sense of ritual, which is to let you take saving money seriously and slowly develop a good habit of saving money. There are many people around me who use the 365-day savings method, and even print out the 365-day savings method** and paste it on the wall in order to save money, reminding themselves to save money every day, until they develop the habit of saving money and then save money according to their original plan.

Second, we must have a sense of risk.

I don't have a sense of risk, and I have worked hard to save money for a year, maybe I will return to the original point again. Therefore, when we save a certain amount of principal, we must choose the investment and financial products that are suitable for us according to our own risk tolerance, high returns are inevitably accompanied by high risks, but low returns are not necessarily riskless. Only by weighing the risk tolerance that you can bear, and maintaining a balance between profits and losses, can you find the most suitable investment method for yourself, and will let the money you save snowball.

3. Rational consumption.

In the face of a dazzling array of ** discount products, don't make impulsive purchases, make a shopping list or delay consumption before consumption. Ask yourself if this thing is really what you want, and how valuable this product is to your use. In fact, many things are likely not to be bought so much after we put them for 72 hours after impulse, and the money we can save by avoiding impulsive consumption will increase.

4. Reasonable use of credit cards.

Some time ago, Alipay's Huabei red envelope made many people open Huabei, but in fact, the nature of Huabei and credit cards is the same. Huabei can get red envelopes by scanning the code, and red envelopes can be directly spent as money when consuming, and credit cards also have a lot of free offers, such as free movies and free travel. A friend I know in the sedan car redeems the air ticket back to his hometown every year through credit card points, and the air ticket for two people goes back and forth at least tens of thousands, and through the reasonable use of credit cards, tens of thousands of dollars are saved a year.

The first reason why you can't save money: improper friendship. Improper friendship, one refers to making friends that should not be made, or even villains; The second is that the way of getting along with friends is wrong. Suggestions for the resolution of this kind of ruined money:

The first point: summarize and reflect on the friends you have made over the years, which are real friends and which are just snobs. Some people associate with you mostly because you pay for it, and when you need to ask him for help, he hides faster than a rabbit, and you should quit this kind of "friend" as soon as possible.

There are also some friends who always fool you into doing some unreliable things, you lose money, and he reaps benefits from it, this kind of person is even more hateful.

The second point: to socialize with friends, to do the courtesy, although it is not necessary to accurately calculate the gains and losses, but roughly to balance, this time I have a treat, next time you have a treat, the same is good.

The second reason for not being able to save money: being burdened by others.

Suggestions for the resolution of this kind of ruined money:

No matter who the other party is, if you don't have enough financial strength, you must not be a guarantor for him, even if in the short term, he will give you some benefit fees. If you're going to vouch for someone, don't just think about the benefits, but think about whether you can afford to default in the event of a default.

If the other person is the kind of person who impulsively does good things or behaves badly, it is better to distance yourself from him so as not to take advantage of him.

The third reason for not being able to save money: overspending.

Suggestions for the resolution of this kind of ruined money:

Learn to keep accounts, carefully analyze your income and expenses, and endure the pain of unreasonable expenses. If the level of consumption in your professional or life circle far exceeds your economic level, then appropriately distance yourself from this circle and reduce social interaction. There is no need to slap a swollen face and become fat.

The fourth reason why you can't save money: blind investment.

Suggestions for the resolution of this kind of ruined money:

If you want to manage money and invest, the starting point is good, but you must study systematically and comprehensively, and know yourself and your opponent that you will not be defeated. Don't blindly follow the recommendation of others to buy a certain ** ticket or a certain **, you have to understand the logic yourself.

It is possible to open an account with a lump sum deposit.

Alipay has a fixed investment function, which can force you to save money.