What are the reasons why you can t save money?

The reason for not being able to save money may be that there is no way to control your shopping desires, or that there is no clear plan for the management of money.

There are too many things I want to buy, and if there is still smoking very serious, more than 300 a day goes out.

Earning too little and spending too much is like a bucket filled with water that has a hole that has not been plugged.

To have a plan to save money, how to spend it every day? How to spend the money every month must be planned and disposed of?

I guess I always want to treat myself and buy a lot of unnecessary things. If you want to go to a movie, the ticket price is 70 yuan, and if you don't go to the movie, you always feel sorry for yourself, which turns what was originally dispensable into a necessity.

Personally, I think that the main reason for not being able to save money is that I have not developed reasonable consumption habits, I usually spend money too lavishly, I pay too much attention to the pursuit of some material enjoyment, and I lack reasonable financial management habits and have no reasonable plan for my daily expenses.

The reason for all the money must be because you bought something you didn't need and then spent all that money.

Women will not be diligent and thrifty, spending money on a family at will, and should make a long-term plan, preferably to keep track of income and expenditure. As the saying goes: "A good memory is better than a bad pen", no matter how good a person's memory is, some things will not be remembered after a long time.

For monthly income and expenditure, it is best to record it in the form of a ledger, especially the favor between friends, and when you want to repay the affection in the future, you can turn over the ledger and have evidence to follow. In most families, men are only responsible for earning money, and the financial power is in the hands of women. As we all know, women are born with no resistance to beautiful clothes, shoes and food, and shopping online shopping is commonplace for them, and there are always endless express deliveries.

Many times, women love to spend impulsively, regardless of whether they are practical or not. As a result, after buying it home, some clothes and shoes were only worn once or twice, and they found that they either didn't like it or didn't suit them, so they were put on the shelf, wasting money, and putting things at home still took up space. Although women will regret and blame themselves afterwards, the next time they see something they like, they can't help but take action.

Wealth starts from accumulating a small amount, don't underestimate the usual inconspicuous expenses, a month, a year of accumulation, will be a lot of money. Therefore, women's uncontrolled spending is an important reason why families can't save money.

In April, RMB deposits decreased by 460.9 billion yuan, of which residents' deposits decreased by 100 million.

First, consumption has increased. People make money, and in addition to spending, it is saving. Less savings means more spending.

As the deposit rate falls, there is less and less income to be gained by keeping money in the bank. Instead of that, people spend more and more money on spending. This will result in a decrease in deposits.

Secondly, for other investments. People always hope that money will generate more money, and when bank deposits do not meet people's wishes, they will turn to other investment channels. For example, bonds, wealth management products, their returns will be higher than bank deposits, so the group is more flexible, and people with experience in this area will use more money for this kind of investment.

Third, the May Day holiday boosted consumption. In recent years, due to the influence of some factors, many people in the state have not gone out to travel much, and it happens that there is a five-day holiday during the May Day holiday this year. Everyone chooses to travel during this period, and travel will also incur a lot of expenses, not only to spend money on the round-trip journey, tickets to tourist attractions, but also to buy some souvenirs.

I think this is also the reason for the decrease in residents' deposits in April.

In short, whether the deposit increases or decreases, it is people's choice. According to their own consumption needs, some keep their money in the bank, and some use it for consumption, which are normal things.

Consumption habits: Parents are more frugal than today's young people, they pay more attention to practicality and durability, and avoid unnecessary consumption. This source.

Social environment: In the era of my parents, the society was extremely materially scarce and life was relatively difficult, and people generally adopted the attitude of "thinking about change when they are poor", and paid more attention to thrift and saving.

Educational concept: In terms of education, the values of the parents are relatively simple, pay more attention to diligence and thrift and housekeeping, regard savings as an important family wealth, and save money and savings as an important way of life in the family.

In summary, the ability of parents to save money like their grandchildren may be closely related to their consumption habits, social environment and educational concepts. Of course, with the progress of society and the improvement of people's living standards, young people can also control their spending and increase their savings by changing their consumption concepts and lifestyles, so as to achieve financial management and increase wealth.

As a father, I think the reason why I can be poor is the following.

1.After a lifetime of hard work, I know how to save.

In fact, as children, we can see that parents are very economical, and if they don't buy items that they don't need, they would rather walk three miles than spend three yuan on a car. It is precisely because of the habit of saving money that the parents can save money.

2.Don't take borrowing money from others lightly.

Don't let yourself be in debt and owe money.

One of the things that my old people often say is don't borrow money from others, don't owe a lot of money to others. Of course, this sentence is also worth learning from now, (except for mortgages).

Now too many people have to spend in advance even if their wages are still payable, Huabei, loans, and they have to repay thousands of yuan every month. One of my relatives owes a lot of money and has to pay back 5,000 yuan a month. He consumed too much of Huabei, which was consumed by useless things such as clothes and food, and he owed a lot of money after spending a lot of money over time.

He spends his future money in advance, which is not advisable. Especially when he was tired, he didn't have a job and couldn't afford to pay it back.

The Huabei or loan owed must be repaid as soon as possible, and don't spend in advance, especially if you are consuming some small things. Instead of talking about mortgages, people don't have so much money for such a big event as getting sick, I borrowed some in advance, and these reasons are understandable.

The old man often says that how much he is capable of doing great things. Don't go to the salary so much, and you still want to ...... some luxury goods and brand-name bagsSpend in advance, thinking that I will not pay it every month! It's not like that, no matter what, it's an overdraft, and the overdrawn spine can't pay back the money.

3.Ability to schedule time.

Time is money.

What I admire the most is that the elderly are very good at arranging time, Saturday and Sunday for reading, summer vacation, and winter vacation. I rushed back to my hometown on Friday afternoon. Wake us up at five or six o'clock, go home for breakfast in the morning after chopping firewood, ask someone to hoe the grass, arrange for rice harvesting, peanuts and so on.

In the summer, we finished our clothes, went home for lunch, and went to the river to wash in the shade. Even the rain can arrange us to do something, not to waste a little bit of our time, and not to let us be idle, after all, there is so much work to do. You have to wash your dirty clothes before you go to school.

Save it for the next time you work.

In fact, an inch of time is an inch of gold, and it is difficult to buy an inch of time. Time is money, like people who enter the factory are more time to pay a little more money. Is it expensive to work as a worker?

In some places, people over the age of 30 do not want it, especially it can be seen that how many years can a person's life be used in a short period of decades? Especially those who pay for labor. Those with academic qualifications can rely on their brains to eat, but the workers only have time and labor, and when they reach the age, no one wants to do it.