Zhang Ting this year 25 years old, lone, after the university graduates, in Beijing an enterprise becomes article secretary, lunar income 3000 yuan.

On cost, zhang Ting does not calculate on extravagant: To ease chummage pressure, she and colleague close leased a building; Often mix friend when have a meal again after 8 o'clock in the evening, for the sake of enjoying foreign snack dozen lose privilege; Seldom buy famous brand, basically be often change Chang Xin " popular goods of dependable quality " ... for all that " economical " , but arrived by the month, zhang Ting's salary still is spent light is solely, be without balance. She says, when just dividing an unit the exercitation allowance that has 1500 yuan every months only, more or less can there still be bit of balance in those days, income is one times higher now, instead assemble does not live money, my money go up where went?

Spend money error

Income of Zhang Ting month 3000 yuan still " moon " , idea of the conduct financial transactions that germ is an individual, consumption has deviation, and did not master skill of a few necessary conduct financial transactions. OK and affirmative, zhang Ting's cost lacks consecution sex and plan sex, although beautiful money is not " extravagant " , but however not " careful calculation and strict budgeting " . For instance, she and friend often when ate dozen of foreign quick meal that fold at 8 o'clock in the evening, look it seems that very " economical " , but although foreign snack is hit 5 fold, it is cheap to can you catch up with his to cook? Zhang Ting buys the dress to may do not have famous brand, but the frequency affirmation that buys the clothes is very tall, sometimes covet petty gain is hit fold, buy today, cannot wear two days to be thrown at the same time, will buy again tomorrow. Still be inferior to pressing so " fewer but better " the principle is bought appropriately... similar beautiful money error still can be found out a lot of.

Division of conduct financial transactions suggests

Keep expenditures within the limits of income, master fund condition constantly.

Common saying says " the bravery that money is a person " , do not have money or earn money little, the libidinal nature of all sorts of consumption is small, there was money in the hand, consumptive desire can expand immediately, so, lone a group of things with common features should dominate consumptive desire, should establish record of a conduct financial transactions particularly, have a record to the income of a month and defray circumstance, see the bottom flowed to where " beautiful Qianru running water " , what seeing is indispensable expenditure, what is dispensable expenditure, what is ought not to some expenditure. Next month by month decreases " dispensable " and " ought not to have " consumption. In the meantime, can open the bank on the net with salary bankbook, inquire remaining sum at any time, to oneself capital know sth like the palm of one's hand, adjust oneself consumptive behavior at any time according to bankbook remaining sum.
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