Managing our lives is just like operating a company,and all kinds of things to do are just like budget and finance.But what is budgeting for life and finance problems?Sound so professional.But everyone should learn to manage personal finance,it’s not that abstruse as I imagined.To be concise,it just boils down to earning and spending.
It is well acknowledged that we’d better save part of income,make a budget,and buy some securities.But actually,there are a lot more ways to save and even earn money.In my opinion,just some little habits can make big difference.Today I am going to tell you some interesting ways to increase your wealth.
To begin with,here’s a very common one,to keep accounts.Though it is demanding in patience and persistence,it is rather sensible to keep trace of how money goes.At the end of each month,thousands of people simply can’t help asking:“where goes my money?” and more or less,everyone has bought something unneeded,something has never been used.Are you one of them?Now you can break away.Just keep a good record of how much you earned,how much you spent and how much you kept.Little by little you’ll be the few people who know where your money goes.It is said that Rockefeller always kept an amazingly detailed record of his income and expenditure,even what he bought for meals could be traced back to easily!
Now,here’s another one:be careful with credit cards.Many of us have credit cards today,but actually it can leak large amounts of money,by allowing overdraft.But you could hardly realize that.Swiping a card makes you feel good,doesn’t it?But it has been proved that those who use credit cards frequently spend much more than those who don’t.So do not develop a habit of paying by credit card only,take some cash with you.In the long run,there can be a considerable amount still in your pocket!
I’m not talking about spending habits only,ladies and gentlemen.Even in daily life,there are more ways to save money.
First,do not always buy bottled drinks.It appears to be cheap,2 or 3 yuan each,but everyday consumption can be much more expensive than bringing a bottle with you.Similarly,it’s much more cost-effective to make coffee or other drinks by yourself.You know the price of a cup of Starbucks is almost a hundred times that of homemade ones.
Second,we all go shopping occasionally.But do you have a clear list of things to buy before that?Most people don’t.Maybe that’s why they always do many unnecessary purchases.So why not write a shopping list every time before buying blindly?In this way you can always keep in mind what to buy rather than rambling aimlessly in the supermarket.The small list is like a little guide always lead you make the right choice.
Yes,there are so many ways to save money in life.When others are still complaining about the increasing expenditures,you have already “earned” a large amount of money!This is the magic power of these little habits.
ladies and gentlemen,I’m no expert in finance,but I know patience,persistence and love for life are the keys to a better life.Everyone should be responsible for life quality,and personal finance makes an essential part of it.Realistic as it might be,it’s a most solid foundation of life.Troublesome as it may appear,it even can be part of daily life unconsciously.As long as you treat your life carefully,life will return you with the biggest surprise.
That’s why I said,little habits make big difference. Managing our lives is just like operating a company,and all kinds of things to do are just like budget and finance.But what is budgeting for life and finance problems?Sound so professional.But everyone should learn to manage personal finance,it’s not that abstruse as I imagined.To be concise,it just boils down to earning and spending.
It is well acknowledged that we’d better save part of income,make a budget,and buy some securities.But actually,there are a lot more ways to save and even earn money.In my opinion,just some little habits can make big difference.Today I am going to tell you some interesting ways to increase your wealth.
To begin with,here’s a very common one,to keep accounts.Though it is demanding in patience and persistence,it is rather sensible to keep trace of how money goes.At the end of each month,thousands of people simply can’t help asking:“where goes my money?” and more or less,everyone has bought something unneeded,something has never been used.Are you one of them?Now you can break away.Just keep a good record of how much you earned,how much you spent and how much you kept.Little by little you’ll be the few people who know where your money goes.It is said that Rockefeller always kept an amazingly detailed record of his income and expenditure,even what he bought for meals could be traced back to easily!
Now,here’s another one:be careful with credit cards.Many of us have credit cards today,but actually it can leak large amounts of money,by allowing overdraft.But you could hardly realize that.Swiping a card makes you feel good,doesn’t it?But it has been proved that those who use credit cards frequently spend much more than those who don’t.So do not develop a habit of paying by credit card only,take some cash with you.In the long run,there can be a considerable amount still in your pocket!
I’m not talking about spending habits only,ladies and gentlemen.Even in daily life,there are more ways to save money.
First,do not always buy bottled drinks.It appears to be cheap,2 or 3 yuan each,but everyday consumption can be much more expensive than bringing a bottle with you.Similarly,it’s much more cost-effective to make coffee or other drinks by yourself.You know the price of a cup of Starbucks is almost a hundred times that of homemade ones.
Second,we all go shopping occasionally.But do you have a clear list of things to buy before that?Most people don’t.Maybe that’s why they always do many unnecessary purchases.So why not write a shopping list every time before buying blindly?In this way you can always keep in mind what to buy rather than rambling aimlessly in the supermarket.The small list is like a little guide always lead you make the right choice.
Yes,there are so many ways to save money in life.When others are still complaining about the increasing expenditures,you have already “earned” a large amount of money!This is the magic power of these little habits.
ladies and gentlemen,I’m no expert in finance,but I know patience,persistence and love for life are the keys to a better life.Everyone should be responsible for life quality,and personal finance makes an essential part of it.Realistic as it might be,it’s a most solid foundation of life.Troublesome as it may appear,it even can be part of daily life unconsciously.As long as you treat your life carefully,life will return you with the biggest surprise.
That’s why I said,little habits make big difference.