40 money-saving tips, recommended collection.

1. You should plan your daily consumption and deposit the remaining money in the bank.

2. Online shopping has become the choice of many people who save money. After trying it on in the mall, write down the item number and then read it online, which is generally 20%-50% cheaper than the mall.

3. Treat luxury goods: "the principle of daily salary". For example, your daily salary is 100 yuan, and you want to buy a bag of 2000 yuan, so you need to wait for 20 days, and then look back to see if you really want it and if it is worth it.

Before buying clothes, shoes and bags, ask yourself three questions: Is my appearance suitable for wearing this dress? If I buy it, will there be many opportunities to wear it? When and on what occasion? Do you already have the same kind of clothes at home? Is its price right? Will there be another discount? Will it be cheaper to buy it online? Think about it before you decide to avoid the wardrobe full of clothes, but you can't find the right one at the crucial time.

Don't wander around the big supermarket if you have nothing to do! Make a list before going to a large supermarket. Be targeted. Remember not to hoard daily necessities because of discounts and promotions.

6. Try to eat at home, which is both sanitary and economical. Eating out should try to avoid wasting too much.

7. Eat, drink and have fun with friends. Moderate is good. Getting together to play every day is not only expensive, but also boring. Of course, there is no need to stay at home every day to save money.

8. Drink more water and less alcohol. Bring your own thermos in winter and drink hot tea at any time.

9. Before placing an order on Taobao, please put it in the shopping cart to calm down. If you can't spend the budget in any month, buy one in the budget as a reward.

10. For many girls, snacks are also a big expense, so quitting snacks can not only save money, but also lose weight, killing two birds with one stone.

1 1. Girls love beauty, clothes, shoes and cosmetics. It is easier to buy on impulse. When you want to buy, look at what you have, look at your bank card balance, and think about the miserable bear-like eating instant noodles and pickles, so you won't be so impulsive. Buy what you like and what you need.

12. Tracking consumption and savings. Look at where the money is spent through credit card bills or other records and ask yourself, are these things necessary? Then calculate how much money you have saved. Imagine how much money you would have saved now if you hadn't bought that sweater or that expensive bottle of red wine.

14. Living in a big city, supermarkets are everywhere. Every supermarket can apply for a membership card after spending money, and then take the membership card and the consumption receipt to the customer service center of the supermarket to apply for membership points. First of all, you must apply for a membership card in Shang Chao, which is your frequent visitor. Secondly, remember the points every time you spend. In this way, every time the points are divided into the specified time, the points can be exchanged. Generally speaking, exchange is for household necessities. Such as paper towels, towels, handkerchiefs, teapots, cups, etc. This way, the money you usually spend anyway can be used for secondary consumption. You don't have to buy many small things at home. Isn't that great?

15. When eating in various restaurants, there will be corresponding coupons after checking out according to the consumption amount. Remember to save these coupons. Remember their expiration date and put them in your carry-on bag. Maybe you can use them to deduct the corresponding amount from the coupon when you go to dinner one day.

16. Credit card points of all banks can be redeemed. Moreover, more categories are exchanged and things are more novel. Credit card points of general banks are accumulated for a long time, and there is no time limit. If you are not in a hurry, you can slowly accumulate enough money to change what you like.

17. Bank credit cards will launch their own applications. In this app, there are often some related discounts such as car refueling rebate, supermarket shopping rebate, and 50% discount on meals. Take a little time to look at it one day, and you can save a lot of rice with your usual attention. It can also improve the quality of life.

18. Some services often have some free services. Like manicure and hairdressing. Do remember to go. For example, hot pot restaurants have free manicure services. If you can't wait in line when you go to eat hot pot, you must remember to get a manicure card so that you can use it for free in your spare time. Does not affect the quality.

19. There are also various electronic services in our lives, so we must remember to make good use of them. For example, if a treasure sends out a 1 100 million yuan prize for consumption, then remember to scan the code before each consumption or buy a discount coupon before each checkout. This can save tens of dollars each time.

20. refuse shopping hobbies. It is understandable that women like to go shopping. However, some women's shopping desire is so strong that they even develop a "difficult" shopping habit. They will make excuses for themselves, happy shopping, unhappy shopping, busy shopping, nothing to do shopping, to the point of "shopping addiction." This habit violates the principle of "living within our means" and must be changed. You know: spending less than one yuan is equivalent to earning more than one yuan, and spending less than one yuan is much easier. Remember: not having the habit of "shopping addiction" is equivalent to having an income.

2 1. Try to avoid group consumption. If you want to go shopping, you'd better go alone, because spending money will be more severe when there are many people. If you want to go out to buy a dress and go with your colleagues and friends, you will probably buy more. And these clothes are not necessarily what you need most now, which is beyond your expectation. Moreover, go out with friends, eat, drink coffee, watch movies and so on. Sometimes you come and go and you spend a lot of money.

22. Avoid excessive credit card consumption. "Brush brush, life is more chic!" The biggest problem with credit cards is that you don't feel when you spend money. Many people may have the feeling that they are not spending their own money when spending with a credit card, and they unconsciously spend a lot of money, but you have to pay back the money then, which leads to unnecessary waste. Many times, the convenience of credit cards often masks the fact of excessive consumption. Therefore, you'd better get into the habit of living within your means and use credit cards carefully.

23. Keep a clear head during any promotion. Many supermarkets will engage in indefinite large-scale promotion, and all kinds of goods can be promoted immediately, especially those full-delivery activities. Many consumers buy a lot of unnecessary goods in order to make up the delivery standard, which is actually the real version of buying and giving back pearls!

24. Don't hoard goods just because they are cheap. Buy discounted goods as long as you feel you can afford them, whether you need them or not. I didn't know there would be a discount at any time. This mall will have it, but other malls don't. What you feel affordable is not necessarily the most cost-effective. Moreover, buying it back not only takes up space, but also is likely to be forgotten and discarded after a long time. Do you think it's too wasteful to buy something cheap and throw it away?

Make a shopping list. Many times, you don't buy because you need it, but you feel that you have the desire to buy right away, so make a good shopping list before shopping, consume reasonably, and never buy unnecessary goods.

26. Off-season procurement. Many brands have anti-season promotions, and the same thing is much lower than the current season. This is a clever family financial subtotal to maximize the value of your money. Zhang Xiao usually buys down jackets in summer and summer clothes in autumn, which can save a lot of money!

27. Brand clothes are discounted. As long as you are not a rich woman and can't afford to buy a dress that fits the needle, please wait patiently for them to discount, especially the small shoes and clothes. It's hard to meet the buyer with the last one left, so in this case, you just wait for the fisherman to benefit. No matter how high-end the shopping mall is, everyone is operating, so even if you talk to him about discounts and deal with them skillfully, you will certainly be able to buy it at the lowest price! Think about it, a brand coat often goes up to thousands, giving you a 20% discount, even if it is a 10% discount, it is still new, which is equivalent to a pie in the sky!

28. Shop around, including online shopping! Some shopping malls habitually sell some promotional goods, or because of the different shopping mall systems, even if the price is the same, the after-sales service or gift system is different. In addition, online shopping is both a trend and a convenient channel. Many shopping websites are genuine, but the price is lower than a small part of the shopping mall. There are also some e-commerce, computer purchase and mobile phone purchase will also have different prices, so after you see a product, it will save you some money to shop around and place an order again.

29. Generally, you should not buy a car if you have family conditions. After buying a new car, the car began to depreciate, and it depreciated year by year. Including car maintenance, gasoline, parking fees and so on. It will save hundreds to tens of thousands of yuan every year.

30. Flexible use of networks and mobile devices. Communicate when there is nothing particularly urgent. You can use the internet flexibly, and you can also use tools such as chat tools. For example, VoIP, QQ, WeChat and so on.

3 1. We can buy some products we want online. Many e-commerce companies do not have store costs, so product prices will be relatively low.

32. Take care of yourself. Take good care of yourself, so you don't have to spend more money when you get sick.

33. Go to the supermarket at nine o'clock in the evening. In many supermarkets, fruit bowls, salads, cakes, cooked food, etc. There will be a discount at 9 pm. The price may be less than half of the price on the label, but it will make our nightlife more "quality".

34. Look for opportunities to save money on cosmetics. Cosmetics account for a lot of expenses of girls. If you usually like to buy high-priced cosmetics at the counter, you should pay attention. In fact, there are many cosmetics on the Internet that are much cheaper than counters. It's more cost-effective if everyone buys together.

35. It is cheapest to buy a plane ticket in the morning. Do you know when it is cheapest to buy a plane ticket in a day? The answer is morning. Because the discount on air tickets is usually readjusted overnight. In addition, try to avoid traveling on Monday morning and Thursday night, because these two periods have the most passengers. The ideal flight time is: every day at noon, during the week. It will be much cheaper to take a connecting flight to the destination than a direct flight; Choosing a relatively small airline flight is usually cheaper than a very large airline flight; If you book tickets on Ctrip, pay attention to its "round-trip zone". Booking a round-trip ticket will be 40-60% cheaper than buying two one-way tickets.

36. Movies are on sale. Of course, a good movie goes to the cinema. In addition to all-day movies on Tuesdays, some cinemas also offer "Ladies' Night", and women still enjoy half price. There is also "credit card night"-you can use the designated credit card for half price. In addition, in the early hours of the weekend, the cheapest way to watch a morning blockbuster is 10 yuan, or at least you can enjoy a 50% discount.

37. Buy more cosmetic samples. All cosmetics are for sale. Girls generally like to watch cosmetics grow grass, but it is a pity to waste a lot when buying formal clothes, and even more do not like them. Buying more samples can not only force yourself to run out quickly, but also try new cosmetics without risk, which is really cost-effective. Although there are few open-shelf cosmetics stores like SASA in Hong Kong in Beijing for you to buy samples, I have to say that the Internet is really a good thing. There are more in Tao Tao. You can find a shop selling samples.

38. Planting electronic magazines. Many print magazines provide e-magazine downloads, which is environmentally friendly and saves money. Download links can be found on the magazines' respective websites. Some magazines will publish excerpts of certain chapters, while others will provide original versions for download. Of course, some best-selling magazines may not be downloaded for free, such as Sanlian Life Weekly, which costs 4 yuan per issue, but it is also half cheaper than buying a book at a newsstand for 8 yuan.

39. Stay in a university dormitory when traveling. Economy hotels are getting more and more expensive, so aim at the guest houses in universities. 100 yuan can live in a standard room. If schools such as Xiamen University, Wuhan University and Zhejiang University are good attractions themselves, it will be even more valuable.

40. Co-branded credit cards let you make money while spending. Joint credit card refers to the credit card issued by the issuing bank and profit-making institutions (such as airlines or department stores). Holding a co-branded card can not only enjoy the convenience of a credit card, but also get a certain percentage of discounts, rebates or other value-added services provided by for-profit organizations. It is recommended that the car owner Zhang Run Jianxing's car dragon card has discounts on refueling, maintenance, auto insurance and car rental; Flying trapeze can apply for Pudong Development Co-branded Credit Card, which not only accumulates mileage, but also enjoys the exclusive boarding counter, with tickets for one get one free.