The happiest woman who understands her husband

Chapter 80 Say goodbye to blind consumption and be a woman who can spend money (2)
This is indeed a paradox when we shop, which is what we usually say: good products are not cheap, and cheap products are not good products.However, the way to save money also exists in the difference of goods.Not everything has to be cheap, but not everything has to be expensive either.This is the art of shopping!Which things should be bought cheaply?Which things should be bought more expensive?What should you buy at an affordable price?When should I buy it?In fact, these problems come down to one, very simple, is to measure the cost performance, and then consider whether to buy.

1. Buy durable and important items with a long service life. At this time, more attention should be paid to the "character" of the product

For example, household appliances, furniture, cars, paint, floors, tiles, water pipes, wires, sanitary ware (especially toilets), etc., the service life of such items is far more than one year, and they are all reusable. commodity.For items like this, when purchasing for the first time, it is especially necessary to take extra care, shop around, and buy high-quality, quality-guaranteed, and durable ones. "It is recommended to buy brand-name tiles, sanitary ware, and faucets. Buy good tiles for the living room, and don't need branded bathroom tiles. Better-quality Guangdong tiles are fine, but the colors and patterns are better, and they must be atmospheric. It is recommended to frame the kitchen yourself, and then go The effect of ordering door panels, pull baskets, etc. is the same as that of buying. You can also do this for bathroom cabinets. It is said that it can save a lot of money. Using the saved money on furniture and soft furnishings will obviously improve the overall quality. taste and class." This is the experience of a friend who specializes in decoration, women can refer to it.

When dealing with these items, don’t buy some products that sound cheap just because you are greedy for a small gain or lack of funds for a while. In that way, the price will be low and the quality will be inferior. You will be relieved in the early stage , and later you will have a series of troubles. "When renovating the house, our family bought a faucet that looked like a high-end product in order to save money, but it was actually a low-end product with poor quality. As a result, the screw hole under the faucet broke this morning, and the house was full of water. The floor was soaked up..." This is a friend's personal experience.Just because I was greedy for a little bit of cheapness and didn't consider the cost performance, I bought a poor-quality faucet to make up the number, which led to a series of troublesome things.Next, the floors and faucets had to be reinstalled, and the damaged furniture had to be replaced.

If you don't want to suffer these crimes, you might as well buy better quality ones at the very beginning.It may be a little more expensive, but it will save you worry in the future!Save worry and money at the same time!

2. For disposable consumer goods, you can pay more attention to the "price" of the goods and buy cheaper ones
For example, some small daily necessities such as transparent soap and garbage bags are indispensable in daily life, but whether they are expensive or not will not affect the quality of life, such products can be properly considered to buy cheap ones.

There are also food items, there will be discount sales in shopping malls, buy one get one free, etc., you can choose this cheap time to buy.

Generally speaking, buying cheaper disposable consumer goods will not bring much inconvenience to life, because there is not much difference in the quality of these products, mainly due to the influence of brand added value that leads to different products. If the prices are different, we don't need to pay more brand value for this type of product. It is wiser to choose the cheap one.In this way, over time, you can save a lot of money.And with the money saved, you can invest a little more in buying important things.This can form a virtuous circle of household consumption.

3. Personalized products can moderately put aside the price-performance ratio, and can be judged according to preferences
For example, casual clothes on weekdays, home curtains, soft decorations, etc. These objects are more prominent in personal aesthetics and personality characteristics. Therefore, it is not necessary to refer to the price when purchasing, but to put personality in the first place. bit.There are many beautiful clothes and decorations. Although the price is very cheap, they are really beautiful. Don’t be afraid to buy them because you are afraid that others will think you are stingy, and don’t buy expensive items just to win others’ false envy.After all, these things are for your own use, as long as you like them.

However, we also need to mention that cost performance is a perceptual understanding after all. In the eyes of different people, the cost performance of the same product may be different. Therefore, when you consider cost performance, you should combine your own experience and your own experience. The experience of friends with roughly the same economic level should not be used for reference.This is not in line with the actual situation.

Mastering the art of bargain shopping

Bargaining is a very high art. The psychological quality must be absolutely stable. You must grasp the opponent's mentality in an instant, organize your own language in time, and be able to attack and retreat in the tug-of-war. Adjust your mentality, adapt to changing circumstances, and change your position when necessary without changing your face or heartbeat.

Bargaining, which seems simple, is actually not so simple.Let's first look at a few concepts involved in bargaining.

The transaction price, of course, everyone knows this. If the final business negotiation between the buyer and the seller is to be concluded, there must be a transaction price. 200 yuan is naturally the transaction price.

Cost, of course, everyone knows what the cost is, but the calculation method of the cost here is different, pay attention, assuming that the boss buys a coat for 100 yuan, and the freight on the road is 5 yuan, the boss takes about a month to sell it , then the minimum bank interest of 100 yuan a month may be 1 yuan (financial cost), and the energy invested by the boss himself in a month is also about 10 yuan (opportunity cost), and other water and electricity façades also need to share 10 yuan. The tax and fees are about 3 yuan, and if the 100 yuan is used for other businesses, you will earn at least 5 yuan (financial cost), and there may be 5 yuan for miscellaneous things, so the cost of this coat = 100+5+1 +10+10+3+5+5=139 (yuan).Spotted, the cost is 139 yuan, not 100 yuan.

The lowest selling price (the bottom line in the boss's heart, you will never know): it is 139 yuan.At this price, the boss actually earns 1 (financial cost) + 10 (opportunity cost) + 5 (financial cost) = 16 (yuan).If you can't make this money, then the boss might as well close the door and go home, deposit the money in the bank or lend it to others to do business!

The following concepts are very important, and will determine whether your personal bargaining is successful and whether you are mentally happy. In fact, do you feel that you have made a lot of money, or do you feel that you are a fool, stretching your neck to be slaughtered!
The buyer's valuation, because we are discussing bargaining, is from the buyer's point of view, so some concepts are more considered from the buyer's point of view, such as your understanding of this coat through various experiences and understandings. The estimated price is 280 yuan, so 280 yuan is the price you are willing to buy and feel happy.

The seller's surplus, the seller's surplus = transaction price - cost, the larger the value, the happier the seller, and the greater the possibility of you being slaughtered. If this value is close to 0, it proves that you are a good bargainer. If you can make this If the value is negative, then you are suitable to be a boss, congratulations!
Buyer's surplus, buyer's surplus = buyer's estimated price - transaction price, and the larger this value is, the happier the buyer is, and the more likely you feel that you will make a lot of money, but the more likely you will be ripped off, but it doesn't matter, anyway Just be happy!If this value is close to 0, it proves that you are not suitable for shopping, and you should find someone to do it for you!If you let this value be negative every time, then you will suffer when you buy something, and you will not be happy after buying something, and you will lose your wife and lose your army.

No matter how much you estimate, as long as the final transaction price you can negotiate is greater than the estimated value, it is best to give up (if you continue to increase the estimate as you learn more about the product during the bargaining process, that is another matter).

Here are 8 steps to teach you how to bargain.

1. The sound of the east and the west
When you are optimistic about a product, don't rush to ask the price, first ask the price of other products casually, showing a casual look, and then suddenly ask the price of the item you want.Shopkeepers usually take no precautions and quote lower prices.Don't show your enthusiasm for that product. Shopkeepers who are good at observing words and expressions will raise prices skyward. Never reveal your real needs.When some consumers choose a certain product, they often cannot help but praise the product in front of the seller. At this time, the seller will "take advantage of the vacancy" and take the opportunity to increase the price of your beloved item several times. , no matter how you "battle with the tongue", you will still "take the bait" in the end, and you will regret it after you go home.Therefore, remember that when shopping, you have to pretend that you are just strolling around and don’t care if you buy or not, and you can only buy cheap and satisfactory products after "shopping around" and bargaining.

2. Casual
When the shopkeeper quotes a price, you should act casually: "So expensive?" Then turn around and go out.Note that "walking" is the "nirvana" of bargaining.Naturally, the shopkeeper will not let go of the fat meat that is about to arrive, and will immediately reduce the price by a small amount. At this time, don't look back, just go ahead.

3. Unprepared
After strolling around outside, I went back to the store.Picking up the goods, I pretended to be stupid and asked, "How much did you say just now? Right?" The price you mentioned is naturally less than the price the shopkeeper asked you to retain you just now. If it is acceptable, the shopkeeper will definitely say "yes".OK, another discount.

4. Bluff
Point out how much you bid for the same product next door, and the one in front is cheaper.Although this trick of "fabrication" has been abused, it is still a necessary part of bargaining.Don't give time for the shopkeeper to crack, immediately enter the fifth form.

5. Criticism
Quite a test of skill.Try to list as quickly as you can the disadvantages of the item that come to your mind.It is impossible for any product to be perfect. When the seller sells to you, he always tries to make a good statement, and you should point out the shortcomings of the product tit for tat, so that the transaction can be concluded at a price that both parties are satisfied with.Generally, the style, color, texture, and handwork can be evaluated. In short, it should make people feel that the goods are worthless, so as to achieve the purpose of reducing prices.

6. Out the door
At this time, the shopkeeper will ask you to counter-offer.Don't worry, let the shopkeeper give the lowest price first.Then it’s time to test your guts, give the lowest price in your mind, and suggest only half of the lowest price for the shopkeeper.If you are not afraid of bad words, it is better to give [-]% of the lowest price.The shopkeeper will definitely not agree. What you have to do at this time is to turn around and leave.The shopkeeper will make continuous price cuts, don't pay attention to it, let him reduce it.

7. The Prodigal Son Turns Back
After the shopkeeper gives the lowest price he accepts, you can go back and re-enter, explain to him the reason for taking a step back, and then add a little to your lowest price, and then bargain with him.

8. Repeat the old trick
If the owner still refuses, use the "go" trick again.In addition, when selecting products, you can repeatedly ask the seller to select and compare for you, and finally you can propose a price that you can accept.And when the gap between this bid and the seller's asking price is very different, it is often embarrassing.If I don't sell it to you, it's a bit uneconomical to be busy for you again.In this case, the seller will often compromise with you.At this time, if the seller's asking price still does not satisfy you, you can issue an ultimatum: "My price is already quite a lot, and I have already asked that the previous prices are all at this price!" After finishing speaking, immediately turn around and go out.This method of bargaining works very well, and in the end the seller often shouts at you: "Forget it, I'm selling it to you!" The last price reduction is usually acceptable to the shopkeeper, go back and buy it.

Save yourself money by taking advantage of credit cards

The previous section just reminded us that we should be restrained, planned, and remember when using credit cards. After mastering these principles, you don’t need to worry about credit cards because you can save money and make money by using credit cards skillfully. !

1. "Cash out" by swiping credit cards for others

Du Mou is a typical shopaholic. He goes shopping twice a month, and each time he spends a thousand or eight hundred. Usually, there are all kinds of specialty stores under the office building, and his temporary shopping expenses are countless.But what makes colleagues feel strange is that Du is not the legendary "Moonlight Clan". There is always enough balance in her bank card. Anyone who needs to meet an emergency can ask her to borrow money.

It turned out that credit card "cash out" was a magic weapon of Du. She went shopping with her friends, swiped all her cards, and then asked her friends to pay back the cash. As a result, Du used the points to exchange for many practical little things.From small tableware and tissue boxes to large coffee pots and backpacks, Du bought them with credit card points.

However, if you directly use your credit card to cash out and use the pre-borrow function to withdraw cash to buy these practical little things, you will have to charge a 1% to 3% handling fee, and you cannot enjoy the 25-56-day interest-free period.In contrast, if you swipe a card for a friend to "cash out" and repay the loan in time, the bank's income is only a 1% to 2% settlement fee from the merchant, and the cardholder does not have any fees.In this way, the bank's money is used to not only do favors, but also win benefits for oneself, killing two birds with one stone!

2. Make money by investing during the interest-free period

We know that credit cards have an interest-free period, that is, you can spend in advance and pay back the money after dozens of days. During this period, the bank does not charge interest.Consumers can generally enjoy an interest-free period of 25 to 56 days (different from each bank), which is equivalent to the bank lending consumers an interest-free loan of about 2 months, which is the most attractive feature of credit cards place.Through the interest-free period, you can save yourself a lot of money and earn a lot of interest.

If you save your salary, apply for a credit card, and usually only carry a small amount of cash with you when you go out for emergencies, and you can swipe your card when you go shopping and eating. The bank will not charge interest if you repay the arrears within the time limit.In this way, you can earn interest by saving your wages, and use the interest-free period to overdraft consumption, and spend money in the bank without paying interest.If the money in the debit card is invested in stocks, funds or bonds, the return can be much higher than that of the current deposit in the bank.

Ms. Li is a financial consultant of a bank in Guangzhou. She has worked for 5 years, but she has accumulated a lot of wealth.Ms. Li has a habit of going to places where she can swipe her card, whether she is treating guests to dinner or shopping.This made my friend feel very strange, because Ms. Li seemed to particularly dislike using cash.Ms. Li was shopping with a friend, and they fell in love with a Samsung mobile phone, which they bought with a credit card. Then they went to the supermarket. Ms. Li bought a bottle of shower gel, and paid with a credit card. The friend thought it was strange and asked her if the amount was correct. It's big, isn't it more convenient to use cash?Ms. Li replied with a smile: "I have to keep my own cash. Only with my cash can I buy more gold, and gold will continue to rise this month, and there is a lot of room for profit."

After hearing Ms. Li's words, my friend suddenly realized that Ms. Li's wealth was obtained by using these small credit card buffers. My friend had to admire Ms. Li.Since May 2006, after Ms. Li confirmed the rising potential of the Chinese stock market, she began to use credit cards for her usual consumption and invest cash in the stock market. As a result, Ms. Li’s profits in the stock market in 5 not only paid off All kinds of credit card consumption, but also a net profit of 2006 yuan, which is several times the income of my work.In 20, Ms. Li took a fancy to the appreciation potential of gold, and invested her income in buying paper gold every month.Every time the credit card needs to be repaid, Ms. Li is even more in a hurry, because at that time, her investment has already earned enough money to pay off the debt.

3. Save money with discounts offered by credit card promotions
The bank's credit card promotions are sent to cardholders along with the monthly statement.After receiving the statement, take a few minutes to read the relevant content carefully, and you can also log in to the bank website of the credit card you hold to learn more about credit card promotions.

For example, a bank’s credit card covers various special discount merchants such as catering, entertainment, fitness, shopping, etc. Cardholders can enjoy Ctrip member treatment with their credit card number, as well as special car rental preferential services of Hertz International Car Rental Company, etc. Serve.

4. Credit cards can be used to purchase favorite products in installments to meet urgent needs in life
If you really want to buy a big-ticket commodity, but you don’t want to invest so much money at one time, and you want to use cash for investment, the credit card installment payment function can be used at this time.Pay in installments with a credit card, divide the purchase amount into several shares (periods), pay one installment per month, zero down payment and no interest, you can enjoy your favorite products in advance without giving up your investment.

If you can use these four tricks skillfully, after a long time, you will know that you can save or even earn a lot of money through credit cards!

Lang Qi is a white-collar worker in Guilin, and she uses credit cards cleverly to save herself a lot of money.

(End of this chapter)