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10 spending rules to help you always have big money

Ngọc An by Ngọc An
Tháng Mười Một 8, 2022

10 spending rules to help you always have big money

Effective control of money will make life rich without necessarily having a large income.

Check out the 10 spending rules below to make your life more convenient.

1. Invest in yourself

Investing in your own development is the most profitable investment because we are our most valuable asset.





10 spending rules to help you make money

Investing in yourself means being willing to learn and experience new things. If something interests you, pay attention. This can be taking an online course, getting certified, or enrolling in personal development programs. By investing time and money in learning and gaining experience, you increase your value and thus make more money.

2. Rule of 3 numbers 8

The average person works 8 hours a day, sleeps 8 hours at night and has 8 hours of free time. So in order to get better at something, 8 free hours must be used effectively and sensibly.

Use your 8 hours of free time, invest in things that have a long-term impact, like learning new knowledge, new skills… instead of going to YouTube to watch fun videos.

3. Be careful when lending money to family and friends

When a family member or friend borrows money, it reminds them to pay it back on time. When lending money, you should also look at the situation of the other person, only if it is really urgent, if you need it, should you give credit. And when the other party borrows money to buy a car, brand, or profitable investment, you need to rethink.

Lending money to a loved one can end a good relationship itself. So before you give anyone money, you need to determine how much you have to pay back in a given period of time.





10 spending rules that will help you have big money - 1

4. Reasonable Costs

The lack of a specific limit makes it easy to overspend on non-fixed expenses like eating out, groceries, shopping, and entertainment.

According to Professor Elizabeth Warren from Harvard University in the USA, the formula for limiting reasonable expenses is 50-30-20, of which: 50% essential expenses for children (housing, transport, meals, tuition), utility bills…), 30% for personal Expenses (travel, shows, shopping…), 20% savings for economic purposes, including a fund to pay off debts and reserve rooms. This formula can be flexibly adjusted to each family’s spending needs and budget.

5. Take a minute each day to review your spending.

Take a minute each day to review all the transactions you made that day. This will help you determine what is appropriate or inappropriate.

Reviewing your daily expenses will help you plan for the next day. This will help you visualize your monthly expenses and what you need to spend and what you can change.

6. Compare before every purchase

Whenever you are wondering whether or not to buy things, ask yourself if you really need them, what would you do without this article. Also, practice thinking about how your purchases compare to your current payday. If they cost salary how many days, you will realize the importance of the article and decide whether to buy it or not.

For example, when you see a sweater in the store, you think: “Is this sweater more important than next month’s vacation?” Small savings, but over time it will certainly be a good support.

7. Follow the 24-hour rule

There will come a time when you’ll regret it when you’re done shopping. After purchasing many items, they realize that it is just an impulsive decision because they believe the value of the product is insignificant compared to their income. In short, however, the amount spent will really surprise you.

Follow the 24 hour rule, wait a full day after you want to buy something. The impulsive emotions will gradually calm down and you will have more time to think about the purchase or not. Some experts even recommend increasing it to 72 hours. Try skipping unnecessary items to see how much money you can save.





10 spending rules that will help you have big money - 2

8. Don’t be fooled by marketing tricks

Big companies always have marketing tricks to get customers to spend more on things they don’t need. Typical examples are price drops where prices don’t actually fall.

So, before getting big discounts, compare the quality, the original price… and always remember: the discounted products are mainly those that are priced more than the actual value, or the quality is just disproportionately high.

9. I should go shopping alone

When we go shopping with friends, especially close friends, we often end up spending more. Just because they are together will often make them feel happy, but the cheerful mood will lift their arms from their foreheads.

If you want to meet up with friends, go for a walk in the park together. Shopping should never be viewed as entertainment, but as a serious duty. The ideal person to buy from should be someone with shopping experience who can offer advice and interfere with your shopping experience.

10. Get rid of toxic thoughts about money

Many people have bad habits and attitudes about money that affect how they spend and save money. Therefore, two people with the same salary have different financial feelings. One person is constantly running out of money while another budgets and manages to save for a down payment on a house.

“The way you think about money has to do with your beliefs and attitudes about money. It influences the decisions you make and the actions you take, spend, save and invest,” said Sarah McCalden of Money Investment England.

very strange (Continue The positive side)

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Ngọc An

Ngọc An

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