The impression of most people when it comes to Money management, is how to take their money to make more money, but for some people who don’t have much money, they will feel money management has nothing to do with themselves. It is understandable though the idea is a little bit biased..
But then again, if you consider making money is difficult, so why don’t you think about how to save money? Saving money is a kind of allocation plan for using money, is for you to consume more rationally with your money in hand.
Then how do we save money in the daily life? Each of us may has our own experience, some have common characteristics, some are vary from person to person. Here, We only talk about some of general feelings and experiences that would be seen in daily life, it is not limited to online shopping, but also is applicable for other consumption models.
Tips 1, Group purchase
Group purchase is very hit in China, and it should start from around 2010, the most direct result from this consumption model is that can let consumers be able to buy things and services in the prices less than common retail prices.
For businesses, in fact, group purchase is follow the strategy of “Small profits but quick turnover”. Its rapid development owes to the rise of the Internet, especially the mobile Internet. Nowadays, Chinese use group purchase for everything. This is not a shameful thing to save money.
So we can focus on specific group purchasing area according to our own habits to get more value. Whatever to see a movie, to have dinner, or for entertainments, we can use this way to save money. Further more, except for service group purchasing, there are many online shopping platform use the business model as promotion, you can directly buy the affordable products online if there are many other consumers join the group purchase activity, then the seller will send them to you, it is just like the comment way of online shopping.
Tips 2, Coupons
Sometimes merchants will give some coupons to customers after consumptions in order to motivate for second consumption. This would be regular seen in catering industry.
If one store you often go to, you can note whether the store has coupons, of course, it is the best if the store has coupons. Generally coupons with different amount are corresponding to different consumption sum.
However, to use or not to use the coupons is a question. It is unnecessary to run across a long way to use a coupon, it will waste your time, then it is equal to waste your money. Before your every consumption, ask yourself first, if this necessary, if not, it is a waste not a save.
3, Carpooling
In my opinion, driving is a very tired thing. How do you think? In my daily life, I prefer to use public transportation or carpooling. Of course, when I am in a hurry or need to pick someone, I will drive by myself.
When it comes to carpooling, I also consider it is indispensable transportation way in our daily life or in travel. Carpooling is not only environmental but also save your money. There are many carpooling APP now, it is really money saving.
But we kindly remind that you should clearly estimate your cost of time before carpooling, because there are other passengers, and you may have to wait for them. If your time is tight, we suggest not carpooling.
Tips 4, Online shopping
Everyone should know well about this way. However it is not everyone know how to save money through this way. Do you know which online platform is selling cheaper products? Do you know which online store cost you less money? No? You have to compare. It is absolutely that a same product with different price on different platform or store. The only way to save your money is to compare as much as possible. In general, the price online is cheaper than the price in physical stores. after all, for businesses, the cost is different between selling online and selling in a physical store. So online shopping is cheaper also is very normal. Such as buying clothing, in fact, buying from the Internet really save money, and the goods quality also is pretty good.
Tips 5, Credit card,
Appropriate use of a credit card also can save money. Sometimes stores have credit card promotions, which depends on which bank the store cooperate with, then when using the pointed credit card, you can enjoy a certain discount. Besides, using credit card has another benefit, it can help you to make some small money. That it is quite simple, if you had 1000 dollars, you directly use them for shopping, then this 1000 dollars go to the sellers’ wallet directly. But if you use credit card to pay, then you can put the 1000 dollars into money management market and earn some interest. But pay attention to choose the way for money management, the money is supposed to repay your credit card but not loss in some high risk invest.
Of course, you should repay your credit cards on time in order not to leave a bad credit record, a bad credit record will affect you in the future.
Tips 6, Bookkeeping
Bookkeeping is a beneficial life habit. Because it can let you comprehensively review your consumption after a circle. According to bookkeeping, you can get to know how much you spend each month, and what kind of subject you spend money on. Then you may be surprised to find that some of those consumptions are unnecessary, you can reduce or even cut off from the day on.
Bookkeeping is also a test for life management, it is not easy to stick. But from now on, you can try to learn bookkeeping, we believe you will find that there is also possible not to spend money on some areas.
Tips 7, Stocking up
Stocking up doesn’t mean you buy a bunch of things which cannot be ran out, but means you can buy some more everyday items, for example toothpaste, tooth brush. After all, it can save your time buying this items in the future, in the meantime, managing time is also managing money.
Tips 8, Supermarket discount
It seems housewife is the person who know supermarket discount most as they have time to learn about this. In daily life, we all can pay attentions to this in order to save money. Some supermarkets especially chained supermarkets have a specific time for pointed items selling with big discount. And food, milk, fresh living things like these are more common to be seen.
The above 8 tips of saving money in daily life, we believe many people have heard about. But how to make good use of them is the key. However, saving money is a kind of money management, but not a way for you to become a stingy person, it is no need to let yourself live too tight
In your daily life, how do you save your money? If you have some skills, leave a message to share it with others!
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