2.       Make clear where your money flow to every day, every week or every month, that is, to list in detail budget and expenditures;

3.       Examine and check all the receipts to make sure there is no extra charge;

4.       Reserve only one credit card to identify yourself;

5.       Take food to work, which can save 2000 Yuan every year. Take this money as retire fund;

6.       Get on and off work by bus, which can save expenses for parking, fuel and insurance, as well as time for finding a parking area;

7.       Read more practical brochures about repairing and investment, which are better borrowed from library or download from internet that are cheaply;

8.        Simplify your life, the house does not have to be large, and buy things of second hand or in bargain store, bidding blocks and so on.;

9.       Think whether it is worth or not when buying. Things are not always worthwhile even it is cheap or of good quality even it is expensive;

10.   Bargain is necessary, for the seller won’t be willing to sell you for a lower price unless you propose to.

Remarks:

Why we should live frugally? A reason must be given why you have to control your desire. What you care most? What stir you up? What things make you happy most? For some epicurean new age, questions like these may be never considered to answer by themselves. They may say, “carpe diem is the most important at present, things in the future are not cared, and then we’ll see”. The boot is on the other leg, there are many things in life that worth experience and explore. In order to acquire true happiness, we must be thrifty to control our expenses to make them focus on fulfilling your dreams. That’s why we live prudent. To financing first you must be prudent, and to be prudent you must passionate in life.