试着不浪费时间
有没有过一整天不花钱的经历? 剧透警告:它们加起来可以省下一大笔钱.
Every day you don't spend is another day full of savings. Imagine how much money you could save if you chose a few days a month to not spend a dime. Your long-term financial goals can turn into a reality sooner than you think!
When was the last time you spent a day without spending a dime? If it takes you a moment to think, it's been too long. Try to challenge yourself to a day without spending. The amount of savings you can build might surprise you, and making a goal to try and spend nothing at all eventually adds up. Maybe you're thinking about unavoidable costs because, yes, unexpected expenses pop up regularly. 这很正常. 但, trying to see how many days you don't spend is a challenge for a reason, and with some planning it can be more often than you think. To start, try differentiating your costs and rethinking a few routines
区分成本
Your typical costs fall into two categories: fixed and variable. Fixed costs are typically the same every month like rent, car payments and daycare. Variable costs, on the other hand, fluctuate from month to month. 可以包括公用事业, 衣服和杂货, 还有娱乐等冲动消费, 新衣服, 外出就餐，以及其间的一切. 根据2018年的一项研究，88.6% of 美国人有冲动购物的倾向 平均花费81美元.每节75元. Try paying your fixed costs at the beginning of each month and set aside money for your "wants" so you won't be tempted to use your credit card as much when impulse purchases pop up.
重新考虑其他例程
Another way to add to your no spend days, is to rethink habits like exercising or socializing. 而不是选择参加昂贵的健身课程, try going for a walk and exploring your local trails or find a free workout video series online. Joining in with friends can make it a social opportunity, as well. Also, t在这里 are ways to share a meal with friends other than dining out. Try a potluck dinner, and invite your guests to contribute to the meal
A no spend day doesn't have to mean making sacrifices to your happiness, 这是关于重新思考你如何花钱.
Now that you have learned about ways to save by doing "no spend days", 你可能想学一些技巧 避免信用卡利息. Remember that small steps towards saving, is still saving.
