改善经济状况的妙计

1、资料来源：来自本人网络整理！祝您工作顺利！改善经济状况的妙计 想要改善自己的经济情况，你有什么方法吗?接下来，我给大家预备了改善经济情况的妙计,欢送大家参考与借鉴。 改善经济情况的妙计 money is better than poverty, if only for financial reasons. - woody allen we had the parent hacks earlier this week, and i was thinking it would be fun to do the same with finances ways to trick yourself, t

2、o get around obstacles, to boost your accounts, without it hurting. improving your finances improves your happiness, in general, so i thought it would be important to share stuff thats worked for me. im in the best financial shape in my life, despite quitting my job and my wife recently quitting her

3、s too. a lot of that is thanks to you guys, the readers, but its also thanks to frugality, to eliminating debt, to saving as much as i can. to these hacks. heres what works for me please avoid flaming me, as im not saying theyll work for everybody. share your tips and tricks in the comments! 1. use

4、cash. instead of charging things to credit cards or debit cards, use cash for non-bill spending such as eating out, gas, groceries. spending cash makes the spending more real, and theres an added advantage of knowing when youre out of cash, instead of spending more than you 2. small weekly savings t

5、ransfers. i got this idea from my friend trent at the simple dollar, who automatically deducts $20 a week from his check to savings. i decided that i could live with $40/week without really feeling it its a relatively small transfer that i barely notice, and i save about $2,000 a year on top of my l

6、arger bi-weekly savings transfers. 3. stay home. going out makes you more likely to spend unnecessarily. you eat at restaurants, go to the mall, stop at the gas station for snacks. its hard to avoid spending when youre on the road. instead, stay home, and find free entertainment. its also a great wa

7、y to bond with your family. 4. dont get catalogs. or emailed announcements from companies trying to sell you stuff. their announcements of sales or cool new products make it very tempting to buy something you dont need. instead, stop the catalogs and emails from ever getting to you in the first plac

8、e, and youll spend less. 5. keep a 30-day list. if you have an impulse to buy something you dont absolutely need, put it on a 30-day list. you cant buy anything but necessities everything else goes on the list, with the date that its added to the list. when the 30 days are up, you can buy it but mos

9、t likely, the strong urge to buy it will be gone, and you can evaluate it more calmly. 6. cook at home. i know, it seems more difficult than eating out. but it doesnt have to be hard. throw together a quick stir-fry with frozen veggies and either boneless chicken or (my favorite) tofu with soy sauce

10、 or tamari. make home-made pizza with a ready-made crust, some sauce, cheese and veggies. put some spices on something and throw it in the oven while you cook some brown rice. not only is this much cheaper than eating out, but its healthier. 7. exercise. staying healthy is the best way to avoid cost

11、ly medical bills later. 8. use the envelope system. its the same idea as using cash for spending, but in addition you use envelopes to split your spending cash into categories. my non-bills categories are groceries, gas and miscellaneous spending. three envelopes, and when theyre empty, ive spent my

12、 allotment. 9. talk with your so weekly. its important that you and your significant other be on the same page. you should have the same financial goals, and from there you should agree on a general spending plan and a policy for impulse buying that wont have either of you wanting to choke the other

13、. make sure you both know what bills have been paid, what your balances are, etc. a weekly meeting of just 20 minutes accomplishes that. communication is key. 10. the spreadsheet tracker hack. there are expensive programs like ms money, quicken, and the like that will do amazing things with your fin

14、ancial information. there are even free ones, on your desktop or online, that can do all kinds of things. trouble is, i dont need all that. all i want is a way to track my money easily, with no other bells and whistles, and a way to access that online so that i can view it from anywhere. the best wa

15、y i found to do that is through google docs and spreadsheets. i created a simple spreadsheet to track my bank accounts, that does everything i used to do with ms money. it has the date of each transaction, the title and amount, a little field for memos, and a running balance. what more do i need? ke

16、ep it simple. update: view a sample i put online here. 11. pay savings and debt first. when you sit down to pay your bills (i do them all online), make the first bills you pay be your savings transfer and your debt payments. if not, if you pay them last youll often end up shortchanging them. but if

17、you pay them first, youll make sure you still pay your rent or mortgage, utilities, groceries and gas so youll just cut back on other spending. 12. exercise at home. some of you will disagree with me on this, which is ok everyone should do what works for them. but ive saved a lot of money that i use

18、d to spend on gyms by just running at the local track or on the roads in my neighborhood, and buying some simple weights and a chin-up bar. i do a lot of body-weight exercises (pushups, hindu squats, lunges, pullups, dips, etc.) and i dont need a gym for those things. 13. cut out cable tv. im not sa

19、ying i dont watch tv i watch dvds, so that im sure that what im watching is something great, rather than the useless stuff you find on tv most of the time. and theres a lot of it online for free if you look. not a huge savings, but it adds up. 14. declutter. by getting rid of all the excess stuff in

20、 your home, you not only make your life much simpler and more peaceful, but you make it harder to buy stuff that will just clutter things up again. once youve simplified your home, you wont want to go back. 15. lend and borrow. give books and clothes and toys you dont need anymore to your friends an

21、d family. if you need something, send out an email asking if anyone has it. chances are, theyll give it to you for free if they dont use it anymore. 16. barter. its a lost art, but lots of people will take your services or goods instead of money, especially if youre friends or at least know each oth

22、er. get into the habit of offering to barter, and youll find yourself saving a lot of money. my website design was done through the barter system, so i saved well over $1,000 there, for example. 17. use online savings. i use emigrant direct, but ing direct is also popular, as are a bunch of other on

23、line banks. not only do you earn like twice the interest of a normal bank savings account, but if you dont get the atm account its not as easy to withdraw money making it less likely that youll get money out on an impulse. 18. try frugal gift-giving. giving people gifts is one of the most wonderful

24、traditions, as it shows generosity and caring. until it becomes commercialized. then its just really really expensive. instead, try giving the gift of spending time with someone. try giving them something you baked or made yourself. try giving them services theyd appreciate. it doesnt have to cost a

25、 lot to be generous. 19. teach your kids about advertising, saving, earning, and gift-giving. if you have kids, educating them about money will save you a lot of money in the long run. if they know about how advertising influences them in tricky ways, theyll be less likely to demand (ok, beg and plead for) the latest fad toys. if they know about saving and earning money, theyll res