省钱的方法
It's easy to overspend when starting out, so 在这里 are ideas for cutting down expenses.
年轻人可能会发现很难存钱 大的财务目标 — such as buying a house — while still enjoying their hobbies and social lives. 好消息是: 你不必牺牲乐趣 用这些简单的方法来省钱.
Use coupons and sign up for automatic-coupon 浏览器扩展
Several websites and apps offer great deals to save on hundreds of items whether you're at the grocery store or the mall. Sort your printed coupons by retailer or store section in a binder and keep them in your car for easy access. Meal planning around your grocery store sale flyer in addition to using coupons can increase your savings further.
报名参加 浏览器扩展 that automatically apply coupon codes to online purchases can make saving easier when you don't already have a coupon and don't have time to search for one.
举办家常便饭
在家做饭 通常比外出就餐更健康吗, so skip happy hour "deals" and host a potluck dinner with friends instead. Set a budget beforehand and ask each person to bring one or two entrees, sides, drinks or desserts.
寻找免费活动
Local community calendars often list events and activities many of which are free to the public. 如果没有引起你的兴趣, make up your own: Go on a walking tour of interesting spots in your neighborhood or city, 从事地理教学或调查 为当地社区做志愿者 组织.
二手商店
Browsing secondhand stores is a great way to find deals on clothes, 书, 运动器材及家具. Before purchasing, always check the quality of the items and make sure the offer is legitimate. You can also refresh your wardrobe by organizing a clothes swap, or make some extra cash by selling unwanted clothes to a local consignment store or one online, 比如Tradesy或Poshmark.
减少用电量
家用电器一直插电可能是原因之一 高达8%的能源消耗 即使它们不被使用. 拔掉某些东西, 比如电脑, DVD播放器, 咖啡机, 灯, 手机充电器和其他厨房用品, 帮助你减少电费.
试着不浪费时间
每天你不花的钱都是你的积蓄. 挑战你自己 没有花的日子 once a month, then change it to one day a week and see how much you can save.
自带午餐
美国人平均每年外出就餐花费3000美元. Think about how much of that is spent at lunch and how that amount would look in your bank account instead. 打包午餐 有没有省钱的简单方法.
巩固债务
If you are making payments to multiple creditors, it's possible you could save by 巩固债务.
自动保存
Have money automatically deposited directly to your savings account from your paycheck. Called "paying yourself first", this can be an easy way to save.
应用30天规则
If t在这里's something you want to purchase, write down its cost, and then revisit it after 30 days. You may no longer feel it's necessary, or you may decide it's something worth saving for.
决定你愿意为某件事付出多大的努力
用你想要的东西的成本除以你的时薪. That will show you the amount of hours you'll need to work to pay for the item. 然后，决定它是否真的值得你花时间.
不要放弃
If you make a mistake, don't let it keep you from moving forward. Look at your mistake for what it is — a lesson to learn from. Think about what led you to making it, and try to remember that in the future. Remember all the good choices you've made and don't let one mistake make you feel like a failure.
