Do you think, "saving money is the door?" have you tried to save money so many times that you lose the sense of ritualism
That's what i used to think, until i gave up the stupid way of locking up the money and using the money method. - it's a lot of money. It's a lot of money
The core logic is so simple: turn every consumption into an investment that is “recoverable”, let the money spent be spent and make more money quietly。
Step 1: to change “consumer expenditure” to “assets expenditure”
It is also about spending money, buying things and buying “assets”, and the results are very different。
I used to buy clothes, pick up red money, fast fashion, hundreds of dollars, throw it in a season, and spend no more; now i buy clothes, only basic, classic, like a nice white shirt, a nice pair of jeans, which is expensive, but can be worn for several years, which is better。
What's more, "second hand swaps": i put the red money i used to buy on a second hand platform for 50 to 100 bucks, not only to return it, but also to free up closet space. Last month i replaced a 90% new shoulder bag with three old clothes and spent no money, but a useful addition。
And the thing about eating: i used to sell out every day, 30 bucks a day, and it's expensive and unhealthy; now i spend $200 a week to buy food and cook for myself, not only to eat well, but also to save money and buy a few hundred bucks of air. I used it to make a short video of my food, put it on a little red book. I got a recipe, took an ad for a little home electricity, made three air fryers
Remember: spending money that saves you more money and makes more money is called “assets spending”; spending that goes nowhere is called “pure consumption”。
Step two: a year of pocket money with a free benefit
You know, your bank card, your mobile card, your membership card, you're hiding a lot of free benefits, and it's nothing。
The credit card that i used, which cost up to 3,000 dollars a month to exchange 200 supermarket cards, i paid the rent and utility charges with a credit card, easy to meet the standards, and bought 2,400 cards a year, equivalent to six months of white flour
My mobile card, which is free of charge for video membership, red bags for delivery, is never wasted, i pursue free membership, red buns for delivery, and saves more than 500 dollars a year for membership fees and delivery
Even at the coffee shop where i used to go, i could trade for coffee, i could save up my points and get a cup of tea without money, saving more than 300 bucks a year。
These benefits seem insignificant, and add up to more than $3,000 a year, which amounts to an extra month of pocket money! The point is that the money is “in the right hands” and that it does not need to be saved。
Step three: set a “cut-off line” for “pay-for” to eliminate impulse consumption
“pay money” does not allow you to spend money at random, but rather “smart money”, at the heart of which is a “lost line” for every consumption。
I've got a three-question principle. I'll ask myself:
This thing, can i use it more than three times? No use, no money
This thing, can you save me money or make money? For example, the air fryer can help me with less takeout, make money
Will it affect my life if i don't buy this? No, just give up
Last month i almost bought an internet red juicer at over 300, using the “triple principle” test: i rarely drink juice, which is estimated to be less than three times; i cannot save money; i don't buy it, and it doesn't affect life. In the end, he gave up decisively, saving over 300 dollars。
This principle has helped me to stop impulsive consumption and spend thousands of dollars a year less, which naturally turns into savings。
Many people feel that saving money is “less money”, but i tell you with my own experience: real money savers, not without money, spend every penny on the blade, let the money spent be their own “payers”。
Now i don't have to search, enjoy, buy, save a lot more. It's the best way to save money
