Is there any painless way to save money?

I like saving money, and I have been saving money without pain. Unconsciously, it has saved 500,000 to 600,000.

Painless saving is to save a sum of money at will, from one hundred to two hundred to five dollars when you get paid, 10 dollars without affecting your quality of life. Because of the small amount, I don't think it will affect the quality of life. If you persist for a long time, you will give yourself a moderate surprise.

Is there any painless way to save money?

First, reducing material desires does not mean not consuming, and there is no need to reduce the quality of life. Our desires are endless, and if we don't control them a little, we will easily get into debt. There are three ways to reduce material desires. We don't have to pursue a brand to find a substitute, but we can find a substitute with low price and similar functions. For example, buying food, going to roadside stalls and vegetable markets, without affecting the quality of life, does not save a sum. Deposit 100200 yuan when you pay your salary, and deposit it in 5 yuan when you have change. 10 yuan. Because of the small amount, I don't think it will affect the quality of life. If you persist for a long time, you will give yourself a moderate surprise. Big supermarkets and novices can buy used cars first, and they don't feel bad when they hit them. Figure out what you need and want. Do you really need a new mobile phone, a new tablet, new clothes and a new schoolbag? This is your desire to want everything. It is best to set a one-week cooling-off period before shopping, and think clearly whether it is necessary and desirable. If you still think you must have it after a week, buy it. (3) Read more books, play with mobile phones and brush software such as Little Red Book, Tik Tok and Taobao. When you see food and drink, you can't help but want it, and you are prone to impulsive consumption. Reading can reduce consumption desire, read more economic books and avoid the trap of consumerism.

Second, refuse to spend in advance. If you can't save money, don't spend it in advance even in the moonlight. Before my friend traveled to Yunnan, he spent more than 30 thousand yuan, which was overdrawn. After returning from the tour, I have to pay my salary every day and live a miserable life. Even when I get together with friends, I say I have no money. (1) Close all accounts that can make you overdraw, such as credit cards, flowers, IOUs, etc. Let you spend money first, and then pay the bill next month, all of them are closed, and there is no one left. 2. Turn off all kinds of automatic clocks. I bought a bunch of monthly cards for watching dramas and listening to songs, all of which were automatically deducted a few days in advance. In this way, hundreds of dollars a month are gone, and they will be deducted every month. Don't buy this until it is fully functional. Don't borrow money, whether online or from friends, unless you really need it and it's for family reasons. If you are shopping and going out to play, it is unnecessary. Once you start to borrow money, your desire will grow and your debts will accumulate.

Third, write down a dream list. With a goal, you have the motivation to save money. I made four wishes for myself. ① Travel to Chongqing (Zhong Zhong's hometown is in Sichuan, and she asked me to go to Chongqing to play with her, and I also want to see it); 2 buy an Apple mobile phone (I feel that this mobile phone will look better when taking photos and videos); (3) Transform the house (the video of our present house is not good-looking, and we want to transform it); (4) After buying an electric car (I want to go to road trip with Zhong Zhong), I will put a price on every dream, such as traveling 6K and mobile phone 7K. Finally, make a deposit every day or every month according to your dreams. 4. Compulsory savings income-expenditure = savings. After the salary arrives, I will take out part of it as daily expenses, and the rest will be saved separately according to the dream list. There are usually two ways to save money, time deposit and incremental deposit. Before, my salary in the company was paid monthly, so I chose time deposit. Now the time when the advertising fee arrives is uncertain, so I changed it to incremental savings. (1) Time deposit means that you can deposit it automatically every day, every week and every month as planned. If you spend 1 yuan every day, there will be 365 yuan a year; Every week 10 yuan, there will be 520 yuan in one year; Monthly 100 yuan, one year 1200 yuan. My previous salary was 4,500 yuan. After deducting rent, daily expenses and commuting expenses, I will transfer the remaining 2,500 yuan to another bank card. (2) Incremental savings 365 savings method: the first day 1 yuan, the second day in 2 yuan, and the third day in 3 yuan, increasing in turn. You can save 66795 yuan a year. 52-week deposit method: RMB 65,438+00 in the first week and 30 yuan in the second week. If you deposit 10 yuan every week, you can deposit 13780 yuan in one year. 12? Deposit method: 100 in the first month and 200 in the second month. Increase in turn, you can save 7800 yuan a year.