It takes a lot of patience to save money, so in order to survive this period, in addition to setting specific numerical targets, we will work on saving in cooperation with others while saving in advance. Let's do it.
Also, if you can grasp your monthly expenses, you can review your fixed costs, so be sure to know what you are spending. Now let's see how to save money.
Money Saving Point 1: Set goals with specific numbers
The first point to save money is to set goals with specific numbers. If you set big goals when you save money, it will be a burden. Therefore, by deciding how much you want to save per day, you can focus on saving. Decide and implement the amount of daily savings that will not burden you.
Saving Money Point 2: Know your spending trends
The second point to save money is to know the trend of spending. If you don't know your monthly spending, you won't know which part to cut, so use your household account book to find out about your spending trends. Also, knowing your spending will help you think about what savings you can try. If you work together, make sure you know the spending of both husband and wife to save money.
Money Saving Point 3: Review Fixed Costs
The third point to save money is to review fixed costs. Fixed costs refer to monthly payments such as life insurance premiums, utility bills, and communication costs. By reviewing once, you can reduce the monthly burden without saving money such as buying cheap ingredients like food expenses. If you or your child's lessons are reviewed in schools or classrooms, consider withdrawing if necessary.
Saving money Point 4: Save money in advance
The fourth point to save money is to save money in advance. If you can put money to save money into your deposit account when your salary is paid, or if you can utilize services such as time deposits at banks, you can easily increase your savings. If you don't have a mechanism to save money, use bank services or get in the habit of saving money in a piggy bank.
It is to move the money of the savings first when the salary is paid. For example, you create a separate account for savings and transfer the savings to that account first. Since the savings are deducted from the salary first, the mechanism is similar to that of a company's property accumulation savings. This is not the surplus money, but the money is sent to the savings first, so a certain amount of savings will steadily increase.
Save Money Point 5: Use Points
The fifth point to save money is to utilize the points. Many points will be given by using cashless payment at supermarkets and shops, so use your credit card or shop point card and use the collected points for shopping.
Collect information from homepages and leaflets, and get in the habit of shopping, aiming for supermarket special sale days and days when many points are given.
Money Saving Point 6: Review Insurance
The sixth point to save money is to review insurance. Review whether you really need the insurance you currently have. As a result, it may be useful to change the contract plan as needed, or in some cases cancel and consider reinsurance with similar insurance from another company. Insurance services are changing with the times, so it is effective to review them in order to receive sufficient services.
Money Saving Point 7: Do as much as you can
It's also important to do as much as you can, which is the seventh point to save money. Unreasonable savings can cause stress. As a result, you may end up making impulse purchases or you may not be able to continue to save money, so you need to do as much as you can. Take the opportunity to take a break to stay motivated to save money.
Saving Money Point 8: Cooperate with others
The eighth point to save money is to work with others. When saving money, there are cases where there are major changes in the meal menu, and there are cases where it goes smoothly with the consent of the family. Therefore, tell your family in advance that you will save money and ask for their cooperation. If you spend a lot of time saving, set common goals for your family and work on your savings.
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