You have a nice salary, but you still feel short of money. At the end of each month, you often ask yourselves, "Where has all my money gone"? To help you better manage your salary, here comes some money saving tips. Following them your daily expense will be cut off easily, but still keep the quality of your life.

    First, you need to set ambitious goals to encourage you to save money. For example, you plan to have a formal dress in one year, to own a car in two years' time or to buy an apartment in five years.

    Second, form money saving habits while stay away from those that waste money. Learn to keep a diary of how much you spend and what it's for. Think twice before using money on expensive skin care products. The best ways to keep your skin in good condition is sufficient sleep.

    Third, economize your daily expense. Change electric wares into energy efficient ones and leave no more than one light open when you leave home. Buy vegetables from a market not a supermarket where vegetables are less expensive and more fresh. When going to a supermarket, take a notebook with you. Write down what you wanna buy to avoid buying unnecessary stuffs. For things like shampoo, soap or washing powder, buy the family pack.

    For girls, who always spend money on clothes, there are some rules helping cut off the expense. Keep an eye on discounts information, you're likely to buy good summer dress in winter in a reasonable price. Shopping malls issue membership cards periodically. Go and get one if it's free, it may give you special discounts.

    Fifth, economize your social life. Package the leftovers for next day when you have dinner in a restaurant. When it's your turn to offer a meal, invite your friends to your home, cook the dinner yourself. If you are to attend a wedding ceremony and an expensive present is needed, ask several friends to go together to share a present. When separate from your boyfriend, send the gifts he sent you to your friends instead of throwing them away

    While reducing expenditures, you need broaden your way earning money. Find yourself a part-time job if you are energetic enough, which gives you more working experience. Give birth to your money. If you are not good at making investments, talk to a financial consultant and entrust your savings with him.

    你的薪水還算不錯，但還是覺得缺錢花。每個月底，你常常問自己，“我的錢到哪兒去了？”。為了幫你更好的理財，這里我給出一些省錢的小貼士。照著做的話，你會發(fā)現(xiàn)你的生活質(zhì)量沒有下降，而日常開銷卻很容易就省下來了。

    首先，你必須給自己定下雄心大志，鼓勵自己去省錢。比如，你給自己定下計劃，一年買一套禮服，兩年內(nèi)買一輛車或者五年內(nèi)買一套公寓。

    第二，養(yǎng)成省錢的習(xí)慣，戒掉浪費(fèi)錢的習(xí)慣。學(xué)著每天記下花了多少錢，把錢花在什么地方了。在購買昂貴的護(hù)膚品前請三思，因為最好的護(hù)膚方法是保持充足的睡眠。

    第三，節(jié)省你的日常開銷。把電器都更換成節(jié)電型的，出門時家里最多留一盞開著的燈。去市場買蔬菜，而不是超市，因為那里的蔬菜比較便宜也比較新鮮。去超市的時候，隨身帶一本筆記本。寫下你要買的東西，避免購買不必要的商品。買像洗發(fā)水，肥皂或洗衣服之類的東西時，要購買家庭裝。

    對于女生來說，錢總是花在買衣服上，這里有一些方法可以幫助減少開銷。平時關(guān)注打折信息，很可能你會在冬季以一個合理的價錢買到一條很好的夏季穿的裙子。購物商場定期會派發(fā)會員卡。如果是免費(fèi)的話就去那里拿一張，它可能會給你特別的優(yōu)惠。

    第五，節(jié)省你的社交生活。當(dāng)你去飯店吃晚飯的時候，把剩菜打包回來明天吃。如果輪到你請客把朋友請到你家來，自己煮晚餐。如果你準(zhǔn)備去參加一場婚禮，那么一份昂貴的禮物是必要的，你可以請幾個朋友一起去，大家合買一份禮物。如果和你的男友分手了，把他送你的禮物送給你的朋友們，而不要扔掉它們。

    在減少開支的同時，你需要拓寬賺錢的渠道。如果你精力足夠的話，就去找一份兼職，這樣也可以讓你有更多的工作經(jīng)驗。自己可以賺到不少錢。如果你不是很擅長市場投資，可以和金融咨詢?nèi)耸空勔徽�，委托他來用你省下的錢進(jìn)行投資。