Read the first book to understand investment and financial management

Chapter 43 Details determine wealth, spend a small amount of money to live a quality life (1)
"Saving money" in daily life

Living at home requires you to take care of every link carefully, control your expenses in the details of daily life, and save all the money you can save without wasting a penny.Over time, little money can turn into big money.

[-]. There are also skills in "fighting"

(1) If you need to be in a hurry and you are commuting to and from get off work, you can choose some taxis with license plates from small companies.Most of the drivers of some big taxi companies are from the suburbs, and they are not used to the "small trails" in big cities, and some even need you to lead the way.

(2) When the fare can be reimbursed when going out for errands, choose to take an unfamiliar road back and forth that you hope to be familiar with, so as to pave the way for going out for errands in the future.

(3) In the case of crossing rivers and bridges, in some cities, within a certain period of time, taxis crossing tunnels will be restricted by odd and even numbers, and traffic jams will be severe when crossing bridges and tunnels during peak hours.At this time, you can get off the bus in advance before crossing the river, and change to a bus to cross the river, which can save a starting fee.

(4) Timely transfer.When the taxi distance exceeds 10 kilometers, the unit price per kilometer will increase to 3 yuan, so if your destination is expected to be between 14 and 20 kilometers, you may wish to change to another taxi when you drive to 10 kilometers. Billing starts again.

It is worthy of a friendly reminder: when the direction of the taxi you are taking is inconsistent with the destination, that is, when you need to make a detour or make a U-turn, you should immediately remind the driver to adjust the seat and then press the meter; try to settle in cash, especially if you encounter a If the driver takes a long detour, or the journey is particularly long, he can give himself a chance to "bargain".

[-]. How to save electricity

Today, our family's electricity bill is about double that of the past, which shows the progress of society and the liberation of people's minds.To reduce such a high electricity bill, we cannot just rely on the primitive method of "changing big lights for small lights".It is a good way to make reasonable use of the time difference and apply for the installation of a time-sharing meter.After 1 o'clock in the evening, the electricity consumption is half of the electricity bill during the day, which is really cost-effective.However, some households have installed time-sharing meters, but the electricity bill has increased. What is the reason?
It is said that the calculation technology of the time-sharing meter is different from that of our traditional meter. It more accurately grasps the total amount of electricity consumed by our family.In other words, as long as the power supply is connected, the computers, color TVs, stereos, water dispensers, chargers, discharge machines, air conditioners, etc. at home, no matter whether the lights are red or yellow, or even not lit, will be detected through sensitive analysis. It can be reflected by the time meter, then your home meter will turn, and billing is inevitable.

The power consumption of home appliances when they are in standby, the washing machine is about 02 kWh a month, and the standby power consumption of other home appliances is generally 15% to 20% of their working hours.If you don't take it seriously, then in the long run, it will generate about 20% and more of the monthly electricity bill.

Therefore, to save electricity, we must do a few things: first, frequently used household appliances can be "standby", and an external terminal block with a switch can be selected so that it can be turned off when you leave.The second is to resolutely unplug the power of household appliances that are not frequently used, first to avoid unnecessary power consumption, and second, to avoid damage to household appliances due to electric shocks during thunderstorm seasons.

[-]. Learn to make price difference articles
Nowadays, there are row upon row of supermarkets and the profit sharing and discounts of supermarkets are really incomprehensible.However, whether it is profit sharing or discounts, there are certain rules.The law is one after another. The so-called "I will play after you sing", which seems chaotic and dazzling, is actually an "agreement" of the merchants.

Ms. Ding likes to go shopping in supermarkets, such as Yichu Lotus, Lianhua, Hualian, Carrefour, Haode, Kedi, Tesco, etc., as long as it is a supermarket, she always goes in for a stroll.Over time, the law has been found: behind the profit sharing and discounts, there is a huge space for financial management.

How much money can you save a month by taking advantage of the price difference of supermarkets and discounts?Ms. Xu's family has 3 people, and she is confident that she can save 8 yuan.That's a lot of money.

Saving money is the most effective way to accumulate wealth in the daily life of the family. The money saved is the money earned. Keeping a good record of family income and expenditure, living within one's means and planning consumption is a good way to live at home.

Happy life of "new stingy men and women"
"New stingy men and women" is by no means lack of spending power, but unwilling to follow the wave of irrational consumption; "New stingy men and women" is by no means unwilling to spend money, but knows better than before how to use money for what it should be used for place.They brought new concepts of spending money, new tricks to save money, new reasons to be stingy...

Housing prices are rising rapidly, and commodity prices are following closely behind, but the increase in wages is very small, so I feel uneasy if I don't "pull";
Although the bank has just raised interest rates recently, it is still far from what we expected. Only by depositing more money can we get the expected interest;
No matter how beautiful LV and PRADA are, and how advanced the megapixels of the camera are, it only improves face but not the quality of life. It is a fool to spend money on them.

The "new poverty" has long been outdated, and "eating men and women" are no longer popular. At the age when it is time to start a family, support parents, and raise the next generation, it is irresponsible to be extravagant; The present and future of a family; from only knowing how to eat, drink, and have fun, to buying a house, getting married, investing, recharging, and studying abroad... The sign of maturity is: from "only spending money" to "learning how to spend money better" Money" - therefore, we must learn to "stingy".

(1) No matter how small the interest rate increase in the bank is, you must persist in deposits and continue to allocate part of the money from your salary, 5% or 10%. Anyway, you must save it; in addition, if you invest in stocks and foreign exchange, please do what you can and go;

(2) Learn to manage money, even if your major is archeology or violin.If it doesn't work, consider downloading a full-featured financial management software from the Internet, which will help your money flow every day, week, and month, and list detailed budgets and expenses;
(3) No matter how expensive the house price is, no matter how uncertain the future is, if the monthly clothing purchase fee exceeds half of your salary for 6 consecutive months, you should also consider buying a house if you don’t have your own real estate, otherwise your house will be covered by clothes and shoes by one square meter Swallow one square meter;
(4) Only one credit card is kept, and the debts are absolutely paid off every month;

(5) Cultivate the good habit of researching the monthly supermarket special list before going to the supermarket for bulk shopping. If it meets your needs, then the above specials are often the most worth buying;
(6) Read more "practical manuals" about home maintenance knowledge, investment and financial management, etc. Of course, it is best to borrow from the library or download from the Internet;
(7) Make a habit of asking for and keeping invoices for all purchases, and check and check all receipts to see if the merchant has overcharged, especially when dining and shopping in large quantities in supermarkets;

(8) Look for an opportunity to take a "slack car" or a "slack man" to and from get off work, saving parking fees, gasoline fees, insurance premiums and the time to find a parking space.

You need to be stingy in life, know how to spend money and save money, live at home, you need to be a bit stingy, and pay attention to digging out every bit of life.Seeing the big from the small, accumulating a little makes a lot, being a careful person in life, a happy life starts from being stingy.

Small money should not be underestimated, saving is not stingy

In ancient times, there was a silk history of a small local county, who was in charge of the county government's treasury.When this guy came out of the money bank every day, he would take a copper coin, put it in the brim of his hat, and secretly take it home.It's been done this way for decades and has never been discovered.

This year, the county magistrate was newly replaced.This county magistrate is more upright.One day, the new county magistrate found that the silk secretary secretly put the copper coins in the hat and took them home, so he paid attention to the silk secretary.Later he found out that this silk history stole money every day.

One day, when that Bo Shi was about to steal money, he was caught by the county magistrate on the spot.

The county magistrate said: "You stole money, put me in a big prison, and be punished for corruption!"

When Bo Shi heard this, he shouted that he was wronged, saying that he only took one copper coin.

The county magistrate said: "A penny a day, a thousand pennies a day! You have been a silk historian for decades, how much money do you think you stole!"

When Bo Shi heard this, he lowered his head and did not speak.

What does this story illustrate?It shows that any small amount of money can be accumulated for a long time to be a huge wealth.A trickle of water converges into a river, and a small amount of money can accumulate into a big fortune.Here are some highly effective money-saving tips that you may wish to use in your life:
(1) Constantly set aside part of your salary to save money.

(2) Figure out where your money goes every day, week, and month, and list the budget and expenditure table in detail.

(3) Keep only one credit card, and it is enough to prove your identity, and you must pay off your debts every month.

(4) Bring your own meals to work, so you can save tens of yuan in lunch expenses every week.

(5) Go home and eat as much as possible when you are away from home. It is clean and affordable.

(6) Take less taxis and try to take the bus, which saves money and is environmentally friendly.

(7) The house should not be too big, buy a second-hand car, go shopping in cheap stores, auctions, etc.

(8) Don't lose face, insist on yourself, and don't spend money on your own vanity.

(9) Saving water and electricity is not only a matter of stinginess, but also a major issue of environmental protection. Only by insisting on ourselves a little bit can the quality of Chinese people become higher and higher.

(10) When buying something, weigh whether it is worth the money.Cheap goods are not necessarily cost-effective, and expensive products do not necessarily guarantee quality.

(11) If you have a landline, you don't need a mobile phone, which costs less, has less radiation, and is healthy.Take advantage of merchant offers for calls and mobiles.

(12) Make full use of network resources, shop online and watch movies.

The way to save is to pay attention to every penny. What you save is what you earn. The dollar you save is actually greater than the dollar you earn.

No taxis, no shopping, no restaurants, no leftovers

"I'm making money, making money! I don't even know how to spend it. I buy a Nokia with my left hand and a Motorola with my right hand. I move to Unicom PHS and change my phone number every day. After sitting in a Mercedes-Benz, I drive a BMW. It's okay to wash in the sauna and eat lobster. "

This doggerel became popular on the Internet and was used as a ringtone for many mobile phones.But now, another poem is popular: "If you don't fight, you don't go shopping, if you don't eat out, you don't have leftovers, you insist on doing housework by yourself, and remember to climb the stairs when you go to work."

This is a doggerel regarded as the code of conduct by the "cool pickers", and it quickly aroused people's sympathy and quickly became a new fashion in the city. The typical behaviors of the "cool pickers" include: No matter how busy or tired they are, they have dinner at home;

"Cool stinging" refers to a kind of stinginess, but it is a kind of "stinging" in a commendatory sense, because what it advocates is "saving is glorious, waste is shameful". The "cool pickers" are not poor, nor are they misers. They have higher education and a lot of income. The purpose of the "cool pickers" is not to be stingy, but a frugal behavior.

And the purpose of their frugality is not pure frugality, but a kind of consumption that shifts the focus, that is, not spending money is for the purpose of spending money on ideas in the future, spending money better, and spending quality and efficiency. "Money, in exchange for a more scientific and higher-quality life, this kind of rational consumption and life that uses the least amount of money to obtain the greatest satisfaction without affecting the quality of life, emphasizing that the value obtained by spending far exceeds the cost itself. The method is undoubtedly a scientific fashion and popularity.

(End of this chapter)