【理财与规划】还没到月底就已成为月光族？｜教你聪明理财【4招】成为自己的小富翁【小资女学生党必打卡】

<p><picture><source media="(min-width: 992px)"> </picture>相信现代的小资女和上班族常常会面对钱不够花的问题，还没到月底钱包就已经先见底了。这种生活常常会让人烦恼接下来的日子该怎么办，难不成要天天啃面包吃泡面吗？今天小编就推荐了几招理财方法让你告别月光族。</p><p><br></p><p><picture><source media="(min-width: 992px)"> <img id="image1162020101219" src="https://images.goodytech.io/images/catalog/44923/20200711_15944334648391_mobile.jpeg" alt="https://images.goodytech.io/images/catalog/44923/20200711_15944334648391_mobile.jpeg" class="image" onerror="this.onerror=null; this.src='https://images.goodytech.io/images/catalog/44923/20200711_15944334648391.jpeg'"><input type="button" onclick="window.open('https://thuyengiayevent.com/wedding-budget.html'); return false;" value="Photo Source" id="photoimage1162020101219" class="photo-source-style">  </picture></p><p>Photo source:<a href="https://thuyengiayevent.com/wedding-budget.html" target="_blank">THUYEN GIAY</a></p><p><br></p><p><span style="font-weight: bold;">【1】 制作预算表</span></p><p>预算表可说是理财规划中相当重要的一部分。把每个月的收入或是零用钱分配成存款、饮食、购物、娱乐等。根据不同的消费定制不同的预算能够有效地帮助我们限制自己乱花钱或是支出超过收入，这样一来生活品质也不会被打乱。</p><p><br></p><p><picture><source media="(min-width: 992px)"> <img id="image1162020105214" src="https://images.goodytech.io/images/catalog/44923/20200711_15944358408831_mobile.jpeg" alt="https://images.goodytech.io/images/catalog/44923/20200711_15944358408831_mobile.jpeg" class="image" onerror="this.onerror=null; this.src='https://images.goodytech.io/images/catalog/44923/20200711_15944358408831.jpeg'"><input type="button" onclick="window.open('https://www.globalblue.com/business/tax-free-shopping/tax-free-shopping55'); return false;" value="Photo Source" id="photoimage1162020105214" class="photo-source-style">  </picture><br>Photo source：<a href="https://www.globalblue.com/business/tax-free-shopping/tax-free-shopping55" target="_blank">Global Blue</a></p><p><br></p><p><span style="font-weight: bold;">【2】取消不必要的消费</span><br></p><p>很多时候购物是因为一时的冲动，当你回头想想时就会发现自己买了很多不必要的东西，所以买之前要三思。当你开始学会取消不必要的消费时，你会发现自己不知不觉省下了不少钱。</p><p><br></p><p><picture><source media="(min-width: 992px)"> <img id="image1162020111450" src="https://images.goodytech.io/images/catalog/44923/20200711_15944372077781_mobile.jpeg" alt="https://images.goodytech.io/images/catalog/44923/20200711_15944372077781_mobile.jpeg" class="image" onerror="this.onerror=null; this.src='https://images.goodytech.io/images/catalog/44923/20200711_15944372077781.jpeg'"><input type="button" onclick="window.open('https://qz.com/quartzy/1238419/hm-on-sale-why-you-can-expect-more-markdowns-to-come/'); return false;" value="Photo Source" id="photoimage1162020111450" class="photo-source-style">  </picture></p><p>Photo source：<a href="https://qz.com/quartzy/1238419/hm-on-sale-why-you-can-expect-more-markdowns-to-come/" target="_blank">QUARTZY</a><br><br></p><p><span style="font-weight: bold;">【3】确保物超所值</span></p><p>有时候同样的商品会以不同的价格售出，所以购买之前要对比价格以确保物超所值。为了节省开销，小资女或学生党可以选择在清仓特价或大促销时购物。这样一来你也可以不知不觉省下一笔钱，也不会因为用原价购买同样的商品而感到心疼！</p><p><br></p><p><picture><source media="(min-width: 992px)"> <img id="image1162020112354" src="https://images.goodytech.io/images/catalog/44923/20200711_15944377587881_mobile.jpeg" alt="https://images.goodytech.io/images/catalog/44923/20200711_15944377587881_mobile.jpeg" class="image" onerror="this.onerror=null; this.src='https://images.goodytech.io/images/catalog/44923/20200711_15944377587881.jpeg'"><input type="button" onclick="window.open('https://www.fool.com/retirement/2017/07/14/5-savings-accounts-that-give-you-big-tax-breaks.aspx'); return false;" value="Photo Source" id="photoimage1162020112354" class="photo-source-style">  </picture><br>Photo source：<a href="https://www.fool.com/retirement/2017/07/14/5-savings-accounts-that-give-you-big-tax-breaks.aspx" target="_blank">The Motley Fool</a></p><p><br></p><p><span style="font-weight: bold;">【4】培养存钱的习惯</span></p><p>无论你是小资女还是学生党都要培养存钱的好习惯，你可以准备一个小罐子将你的愿望或梦想写下来并每天为了这个梦想而存钱。你会发现在不久的将来即使自己的收入不高也可以实现旅行的梦想。</p><p><br></p><p>即便你是小资女还是学生党，理性地消费并积极配合预算，你也可以省下一大笔的钱！重点是自律是关键，无论是否有预算表，若无法根据预算表来规划收入与支出，还是会功亏一篑！</p><p><br></p><p>Cover photo：<a href="https://www.doughroller.net/tools-resources/10-online-budget-tools/" target="_blank">DoughRoller</a><a href="https://www.doughroller.net/tools-resources/10-online-budget-tools/" target="_blank"></a> || <a href="https://www.vaunte.com/top-5-money-saving-road-trip-tips/" target="_blank">VAUNTE</a></p>