Tell me how you said goodbye to the Moonlight Clan?

I'm 42 and still moonshine, what's the matter?

If I don't get sick, I don't have moonshine, and I use the rent and living expenses every month, which basically accounts for half of my salary, and the remaining half is used to see a doctor, and when I get sick, I save the rest of the money.

Eat a little bit and be a **, you can save money.

Calculate your monthly balance rate every month (how much money is left every month and income per month), and when the monthly balance rate exceeds 50%, congratulations, you are no longer a moonshine family.

The pyramid savings method refers to the splitting of a fund into several parts according to the way from less to more, and depositing them in the bank for a fixed period of time, and when there is a small amount of capital demand, only a small share of the fixed deposit is withdrawn, so as to meet the demand for money and maximize the interest income.

Now there are a lot of good bookkeeping apps for a certain amount of money, both of which I think are very good, I also use them myself (I am not a trust), you can use bookkeeping to develop good consumption habits for yourself, and naturally there is money left.

There is no goal in financial management, what is the difference from the walking dead, the so-called financial goal is how much money you want to do in a period of time.

The 12th fixed deposit method is not complicated, that is, from the salary received every month, first take out 20% and 40% of the total amount to deposit it into the bank account, and save it for a year on a regular basis.

The so-called 365-day savings method is to save money 365 days a year, choose any number from 1 to 365, and the number of each day cannot be repeated.

Generally speaking, the security of the product is directly proportional to the liquidity, and the liquidity, security and profitability are inversely proportional.

Stop driving a motorcycle, ride the handlebars on the battery. If you can save anything else, you can save it. It's actually quite simple.

Planning? I still want to make more money, but I can't save the price now.

Alas, I can't help, I'm also a 55555555555555 of the Moonlight Clan

Did you find that you haven't spent much money yet, and your monthly salary is gone? It's very simple to say goodbye to the moonshine clan, so I'll share with you a few ways to save money.

Cheap is not good.

Are you often attracted by the discounted products advertised? Unconsciously contribute to the country's market economy? Then I often tell myself that "cheap is not good". Always hoarding some, discounted but excess, cheap but poor quality things is actually a waste.

Buy things that you like very much.

Shop less. Say goodbye to the lifestyle of being blinded by material appearances and spending money indiscriminately.

Friends gathering. Don't be reckless when gathering friends, always rush to pay the bill, and be timely and appropriate.

Set big goals.

For example: buying a car, buying a house.

At this time, under pressure, do you have to think about what you eat?

Deposit period. Monthly salary, take out a fixed percentage and save it for a fixed period. For that bit of interest, you will find that the rest of the point is enough to spend.

Give the money to the most authoritative and money-saving person in the family, and let her keep it instead.

Accounting. Write down every income and expense for the month, analyze those expenses at the end of the month that are unnecessary, and avoid this part of the spending the next month.

Someone once complained to me: the salary is too low, the money is not enough to spend, moonlight. I asked: All the money was spent? He replied, "I don't know." Are you in this situation too? Come, I'll give you two tricks.

001: Deactivate credit cards, white strips, and Huabei.

With the popularity of smartphones, there are more and more quick payment tools. So, I was very happy when I bought something, and I was very worried when I repaid it. As soon as the salary arrives, most of the money is used to pay off the card debt, so it is moonshine again, and the cycle is repeated every month.

What to do? Since you can't control your desire to shop, then, stop all credit cards, white slips, Huabei, etc.

002: Detailed bookkeeping, optimization of expenditure structure.

003: Forced savings first, then living consumption.

After a period of bookkeeping and analysis, you will have a clear understanding of income and expenditure. As soon as the monthly salary arrives, the first thing to do is to force savings, that is, the money that can be spent every month = income - the money saved. The so-called forced savings, that is, the purchase of fixed-term wealth management products, means that you cannot withdraw them in a short period of time.

This money will be the first pot of gold you accumulate. How to have additional consumption needs? Well, let's find a way to open source.

If there is no desire, where does the motivation come from, isn't it?

Hi, I'm Nana, a communicator, a learning facilitator, and a practitioner of personal growth.

The so-called "moonlight clan" refers to those groups who have spent all the money they earn every month before the end of the month.

Their consumption is very high every month, no matter how much money they make, they will spend it all, and they can't save less than half a penny, so that it is a problem to encounter some difficulties or support themselves for half a month.

Such people seem to live a chic life, but only they know how difficult it really is.

So, how can you say goodbye to the Moonlight Clan?

001: Clarify income and expenditure.

The reason why the Moonlight Clan is in such a predicament is largely because they don't have a clear understanding of their income and spending levels.

Especially in recent years, under the trend of online shopping, the consumption process has lost the sense of consumption ritual in physical stores, and money has become a bunch of numbers on the screen, and there is less sense of prudence in consumption, and it is particularly difficult to control one's desire to chop hands.

To change this situation, the first thing to do is to clarify how much you earn and how much you need to spend each month.

We will only be able to save if our income is greater than our expenditure.

002: Change the wrong concept of consumption.

If you want to change the consumption habits of the moonlight clan, the first thing you need to change is your own consumption concept.

Before we buy and consume, it is best to think clearly about whether these things are really needed by ourselves, and we can't just buy a large number of items that may not be needed for a long time, or even that we don't need them at all, just to be happy for a while, or to think that they are cheap.

003: Learn to keep accounts, live within your means.

Through bookkeeping, we can clearly know what our necessary living costs are and which expenses are irrational consumption, so as to control our consumption behavior to a certain extent.

Only by starting to pay attention to the little consumption of daily life and gradually reducing one's bad consumption can we say goodbye to the moonlight clan completely.

Save money first every month and spend it on the other day.

Go shopping less and buy useless things, don't spend impulsively, dispose of your money according to the plan, and invest and manage your money reasonab......ly

Believe in yourself and you will become a master of financial management.

Control your shopping desires, save some money into the bank every month, travel more, broaden your horizons, and make a lot of good friends.

Accumulate enough capital and make some investments.