With only 6 changes in the way of spending, the wife in Hanoi saves nearly 7 million per month
The story of thrifty spending and financial management belongs to each family, not just anyone. Regardless of low or high income, women often tell each other, try to “eat well, you will be full, if you are smart, you will be warm”. Taking savings measures to reduce family expenses, Thoa Australia (currently living in Hanoi) was also very surprised with the amount of money she had saved.
Specifically, Ms. Australia changed her 6 ways of spending to be more minimalist and practical. Limiting spending does not affect her quality of life, but also helps her have a savings goal and a reasonable motivation to spend.
01. Limit eating out: Reduce 3 million/month
A week ago, Ms. Thoa and her husband spent an average of 1 million on eating out. 1 month lost 4 million. Now that their habits have changed, the couple is working hard at cooking, reducing eating out to once a month or only going out to eat on special occasions.
“I’m a person who likes to experience food, that is, going to delicious, new restaurants… to try and feel. So if I go out to eat, I usually choose good, polite restaurants… not the sidewalk style. This has the disadvantage of being quite expensive. Now that it’s changed, on weekends I often cook sophisticated dishes and invite my husband to join me. I’m happy, of course because I also like to cook and tinker“.
02. Breakfast: Discount 1 million/month
Previously, the Australian couple ate breakfast entirely outside, averaging 30k x 30 days x 2 people, 1.8 million. Now, Ms. Australia gets up early to cook. Sometimes she cooks noodles and noodles, sometimes goes down to buy banh cuon and sticky rice to eat. This saves about 1 million/month.
03. Change exercise card: 1 million/month discount
Previously, Ms. Australia bought a training card from a large facility, priced at 17 million/13 months. However, this exercise card cannot be used at all facilities, nor does it have a swimming pool. After experiencing here for a while, Ms. Australia realized that if she moved to buy here, she would have a swimming pool and practice links in rooms everywhere, so if she moved to buy here, she would be very proactive.
“In fact, the place to practice should be chosen 1 is close to the house, 2 is close to the company so it is convenient, saving travel time and will not be lazy. Many newly opened facilities are fully equipped. This part alone, after changing, I save 12 million/year, equivalent to 1 million/month“.
04. Limiting drinking milk tea, coffee, snacks: 320k/month off
Ms. Australia grinds fruit juice and nut milk at home and brings it up to the company’s refrigerator, drinking it both deliciously and cleanly instead of ordering milk tea, coffee, and snacks. This amount is reduced, saving about 40k x 2 cups/week x 4 weeks is 320k/month.
05. Shampoo: 400k/month off
Right downstairs, there is a shampoo shop, so in the evening, Ms. Australia often comes down. When she cuts this amount, she saves 50k x 2 times/week x 4 weeks is 400k/month.
06. Books: 500k/month off
After reading a number of books about a minimalist lifestyle and moving into a new house, Ms. Australia wants to have a very open living space and few things. She gave up the habit of hoarding paper books as before, leaving only a few favorite books.
“I usually spend at least 500k/month to buy books. Now there are months when I almost don’t buy anymore, I switch to reading books online on apps“.
Summary:
Just a rough calculation, total 1 month Ms. Australia has saved: 6,220k.
“This amount, if multiplied by 20 years, will be a very large number. But my family is dedicated to investing in experiences together. Every year we spend 10% – 20% of our income to travel. Now with this savings to use to explore 1-2 new countries.
I believe that after you practice recording expenses carefully, at the end of the month, looking back at the review, you will know if the family’s money has been used smartly and in the right place. And you will realize which amount should be reduced and which should increase“, Australian sister shared.
In addition, Ms. Australia also cleans clothes, liquidates, sells items that are not of value to her family, and switches to buying clean, seasonal food. This change also provides long-term savings.
“In the past, I used to have a habit of going to the market once a week, going to the supermarket to buy. Each time I ran out of 500k – 700k. Now I send money home to my mother to buy things in the countryside. At home, my parents have a farm. Growing vegetables is very large, but I’ve been shy for a long time, so I go to the supermarket by myself. This actually can’t save me, but I have a monthly allowance for my parents Because as everyone knows the price of clean vegetables in Hanoi. quite expensive, buying vegetables more often than buying meat, while my parents in the countryside grow clean vegetables and can’t eat all of them and take them away“.
Ms. Australia also switched to buying seasonal fruits. In the past, it was quite expensive for her family to buy imported fruits, such as cherries, grapes, American apples, kiwis, Japanese pears, etc., of all kinds. In terms of nutritional value, many types are lower than Vietnamese fruits and the price is 10 times higher. Now, if you want to buy these dishes, you can change the taste, not the family’s daily menu anymore.
“Last time, I still spent 1 day composing a list of items that should be liquidated and given away. I have 1 ipad, 1 macbook and 1 tripod that are rarely used. These technology items are still under warranty and sold at a very good price, so I decided to “change the name”.Ms. Australia shared.
The article was recorded according to NV .’s narration
at Blogtuan.info – Source: cafebiz.vn – Read the original article here
