Read the first book to understand investment and financial management

Chapter 44 Details determine wealth, spend a small amount of money to live a quality life (2)
When the rich list continues to attract our attention, everyone will inevitably feel frustrated under the logic of comparison.In this world, money is like a passing cloud, and desire is like a bottomless hole.The eager desire for wealth has lost a lot of the authenticity of life, and it has also made modern people full of impetuousness and anxiety.After experiencing the tediousness of chasing wealth, the "cool pickers" are eager to make life simpler and simpler, and then use the time and money saved by simple life to live the life they want to live and find a spiritual life. comfort.This is the understanding of the essence of happiness.Enjoying life is not the same as enjoying material things.

"Lohas" emphasizes healthy and green life. "Cool pick family" emphasizes a simple but not simple life.The same is that they all point to a happy life.Let's join these "minorities" together.

Savings are reflected in our daily actions, no taxis, no shopping, no restaurants, no leftovers, strict demands on ourselves, saving as much as possible, and never wasting a penny for the pursuit of enjoyment.

Ways to save money on family communication charges
Along with the popularization of family telephone and mobile phone business, more and more families have installed telephones, and mobile phones are then used in a large number by people.The home phone rings constantly, and the mobile phone calls one after another, and the communication fee is really a small expense.Don't think that communication is "business affairs" and there is no money to save. In fact, as long as you observe carefully, there are many money-saving tips hidden in it.Let's explain them one by one.

[-]. Telephone charges
According to the current charging standard for local calls, as long as you make a short call of no more than 3 minutes, you can save a lot.Although the average family will not be penny-pinching about this, you must not let go completely, especially you must beware of children, no matter their age, they are usually masters of talking on the phone.And if the kids get hooked on voice calls, they're in danger of running into debt.Therefore, we must discipline them diligently at ordinary times, and let them sacrifice their pocket money to pay for their extravagance when necessary.

[-]. Mobile phone fee
Make full use of short message service.

According to China Mobile's current charging standards, no matter whether a message is sent to local, foreign or even foreign countries, only the sender needs to pay 01 yuan, while the receiver does not need to pay.

(1) Sending SMS can be prepaid.Nowadays, many people choose to send short messages in order to save mobile phone bills.A short message is only 01 yuan, which is of course a good deal.However, if the number is small, it will not attract attention. Once it is posted, it will be a dozen or even dozens of posts.Unknowingly, the mobile phone bill is more expensive. I heard that some people send thousands of text messages a month, which is hundreds of yuan.If you are also a "Ha M family", you may be able to buy a prepaid monthly subscription card that mainly offers packaged SMS discounts.The monthly rental fee for this monthly SMS card is 28 yuan, but you can send 350 text messages, which is equivalent to giving away 70 text messages per month.

If you are a GSM user, you don’t even need to change your card number, and you still buy a recharge card every month, the telecom company will automatically deduct a monthly fee of 28 yuan from it, and when you make a call, including GSM, Easy Card, Yitong Card and Shenzhouxing As a user, the mobile phone fee is only 040 yuan/minute.

（2）用手机拨打IP电话。只要你在拨打长途电话号码前加拨一个5位数的IP电话接入号，最高能省下2/3的话费。联通接入码为17910，移动接入码为17951。

（3）使用呼叫转移。近年来，中国移动开设的呼叫转移业务已从04元/分钟降为01元/分钟，且无需任何服务费。比起直接用手机接听04元每分钟的费用，可以省下3/4的费用。

(4) Use mobile phone stored value card business.In the case of 250 minutes of calls per month, the tariffs of "Shenzhouxing" and "Global Link" are the same, but if the monthly calls are less than 250 minutes, "Shenzhouxing" is more favorable.

(5) Buy special CDMA.When CDMA mobile phones first came out, the high price of 78 to 98 yuan really scared off a large number of fashionable people.But now, some mobile phone merchants of this kind have begun to compete for the market, launching a promotional method for purchasing CDMA mobile phones to enjoy preferential mobile phone bills.Generally, there are several packages of 138 yuan, 020 yuan or [-] yuan, and the phone bill beyond the limit of the package is [-] yuan per minute.

However, it also has disadvantages.That is, most of the mobile phones that launch this type of service are limited to calling discounts within the city.If you want to make long distance calls, you have to pay a lot of long distance charges than ordinary mobile phones.

[-]. Internet access fee
Dial-up access is a great way to get online for those who don't spend much time online.The fee is generally charged according to the network account fee + call fee.If you want to control the cost of Internet access, especially if you often travel, you can consider buying an Internet card.There are ordinary cards and special cards, and there are rechargeable and non-rechargeable cards.Internet cards usually have a validity period, so choose reasonably when purchasing.

If you master and use certain tricks when communicating, you can make the communication more cost-effective and save the next expense.

Best Tips for Saving Money Online Shopping

Seemingly overnight, online shopping has become a fashionable activity in the office.Everyone buys things online, and the women in the office can't figure it out. Li Jing, the clever ghost, can always buy more things with less money. Even going out to eat, Li Jing can be cheaper than others.Under everyone's "torture to extract a confession", Li Jing finally couldn't stand it anymore and taught her the secrets of saving money by online shopping.

Cheats [-]: Price comparison software to find benefits
"It's the nature of a little girl to be careful and careful. She usually knows how to shop around when shopping, and the same principle is true when shopping online!" Li Jing pointed out the truth in one sentence, and strongly recommended everyone to download the price comparison system software.

The online price comparison system can query the information of all online sales products in real time through the Internet. It is especially suitable for products with low brand added value such as books and physical tools. If you want to know the price of something on major websites, just click on the search bar Type in the name of the product, click on the query, it will be clear at a glance, and it is not difficult to shop around [-] stores.

Cheats [-]: Go to the discount website
Many people don’t believe that online shopping can save 10% of the cost, but after Li Jing’s introduction and personal experience, everyone nodded in conviction: “Really!”

In fact, the reason is very simple. Most online shopping websites advertise on other websites. When a user of the website makes a purchase, they will give the website a commission calculated based on sales (this is a pay-for-effect advertisement), while online shopping discounts It is different from the Internet, which returns this part of the commission to the user.

Online shoppers can get points presented by "Online Shopping Discount Network" by connecting to the cooperative website of "Online Shopping Discount Network" to shop.Shopping points refer to online shopping discount network cooperation websites (such as Joyo, Dangdang, 99 Bookstore, etc.). Online shopping discount network calculates points according to the shopping amount. 10 yuan, you can apply for cash exchange.

Li Jing also reminded us to visit the relevant shopping websites through the links provided by the online shopping discount website every time. If we click directly, there will be no points.

Tip Three: Accumulate Electronic Coupons

How can I save money on meals?Faced with everyone's questions, Li Jing happily took out a large stack of discount coupons from her pocket, including KFC, Brazilian barbecue restaurant, Laoshan Beef Offal...all kinds of restaurants are available.Everyone was wondering where Li Jing got so many discount coupons, and she had already opened the KFC website to demonstrate to everyone.

First register as a member on the KFC website, and then you can download and print discount coupons at will. "You can save five or six yuan by using coupons. Don't underestimate it. You may save dozens of yuan in a month!" Li Jing said.The electronic consumer coupons are even more powerful. For example, Dangdang often presents electronic consumer coupons in friendship, with denominations ranging from 20 yuan to 50 yuan, which is more than enough to buy a good book.

Cheats [-]: Barter for things
Since the paperclip girl became popular on the Internet, more and more people are thinking about bartering.But this time it was not Li Jing who contributed generously, but our cosmetics expert Xiao Gao.

The speed at which Xiao Gao buys cosmetics is amazing. There are also a lot of small samples of bottles and cans. I am reluctant to waste them as gifts. I happened to see an exchange website when I was browsing the Internet. After registering as a member, I can post what I want to exchange Shortly after Xiao Gao tried it, the samples on her desk gradually decreased, and there were more speakers, mice, mp3...

After exchanging customers for a period of time, Xiao Gao has a lot of experience: "When exchanging things, you must ensure a good attitude. You can't measure it by how much the thing is worth, but whether you need it, or whether you have the time. and energy to buy." However, Xiao Gao's achievements are obvious to all colleagues in the office, and by exchanging things for things, maybe he can really exchange paper clips for a villa!

Tip [-]: Make full use of free resources
There are all kinds of online resources, the key depends on how you use them.As the money-saving scheme unfolds, people share their experiences, and the most important one is to make the most of free resources.

Make an Internet call.Xiao Zhu's boyfriend works in other places. Although the two have endless love conversations every day, Xiao Zhu's phone bills have not increased because of this, because they use Internet calls.

Watch free movies.Wang Wang provided a movie-watching software that can be downloaded by China Telecom and Netcom. According to her experience, as long as she downloads and installs this software, she can enter the community to watch movies and TV shows. The update speed is fast, and it is safe and virus-free.

Download the e-magazine.Of course, cosmetics experts will not let go of fashion magazines, but the accumulation of more than [-] yuan is a lot of money.In the end, it is more cost-effective to download free fashion magazines online.

Tip [-]: Online fund purchase can save [-]% of the cost

Recently, a number of fund companies have successively launched the business of large-scale dividend distribution of funds and preferential subscription promotions.After the end of the preferential activities, are there any other channels or ways for investors to apply for preferential fund purchases?After investigation, investors can save [-]% of the purchase fee by purchasing funds online.

Through the online trading system of fund companies or some banks, after registering and opening an account, investors can conduct various transactions such as fund subscription and redemption without leaving home, and the subscription fee rate is not higher than 1390%.For example, the Baokang Flexible Allocation Fund under Huabao Industrial has just launched a large-scale dividend plan of 10 yuan/1 shares, and the net value after dividends will be close to 06 yuan.At present, you can enjoy a preferential rate as low as [-]% if you apply for this product online through "e-Dianjin".

Transaction costs and transaction convenience are important reasons why online direct sales of funds are popular with investors.The purchase fee for online direct sales can be as low as 5% off, and the profit margin for investors will increase.At the same time, fund switching can also be carried out through online direct sales channels, and at the same time enjoy lower switching rates.In addition, through online direct sales, all-weather, multi-faceted fund trading services can be realized 365 hours a day, 24 days a year, and customers can inquire, place orders, cancel orders, and perform fund conversions and regular subscriptions at any time, which is very suitable for office workers Take your time investing outside of eight hours.

Online shopping is fashionable and convenient, but it also has the characteristics of shopping in different shopping malls. Before shopping, you must be familiar with the functions of online shopping, the relevant promotional measures and regulations of each website, so that you can buy the most suitable genuine items and enjoy the benefits of online shopping. .

(End of this chapter)