可辨认净资产 六个存钱小技巧 帮你建立净资产

六个存钱小技巧 帮你建立净资产  

Here's another reason to get serious about saving -- it's a new year.
Although the occasion isn't going to turn us into smart savers
it sure is a good reminder. We all have our own methods of dealing with money
but here are a couple of saving tricks that will grow your money:
The top-down view: Instead of skimping here and there
take the top-down approach to saving money. Basically what you need to do is figure out your biggest expenses
then brainstorm ways to save and tackle the biggest expenses first.
从大处着手：与其从小处抠钱节省，不如从大的方面开始存钱。基本上你需要做的就是找出最大的开支，然后想办法如何从这笔最大的开支中省出钱来。
The $5 jar: Instead of the ole change jar
have a $5 savings jar. Whenever you have $5 in hand
drop it in the jar. You'll see your savings accumulate more quickly with fivers than with just coins.
Improve your memory: Studies have shown that training your memory can build up a desire to save since short-term memory is linked to planning for or envisioning the future. A couple of ways to improve your memory include attaching an image to something you want to remember and practicing memorizing it over and over again
and avoiding multitasking.
Read a personal finance book: To make dealing with finances really hit home for you
pick up a personal finance book. I remend Ramit Sethi's I Will Teach You to Be Rich ($14). It's a good book for those in their 20s because it dishes out practical personal finance advice in a fun and easy read.
Let technology aid you: Use web tools to make it easier to budget your money. There are free site that lets you to view all of your accounts in one place and provides budgeting tools that help determine where it would be easiest to cut spending. Consider downloading apps that'll help you save. There are even apps that will save you money on gas and let you text for free.
Automating: The best way to make sure you're saving enough is to automatically put a chunk of your money into your savings and retirement accounts every month. It's generally better than relying on your willpower. If you're already automating
try to increase the amount by five percent.