From 0 deposit to 4 million, she revealed five smart ways to save money: buying a sweeping robot is actually very cost-effective

We often think that "saving money = patience and saving", but people who are really good at saving money do not bite the bullet and restrain themselves, but use money wisely and comfortably, so they can naturally accumulate assets. Japan's financial expert writer Miyuki, who once worked in the financial industry and accumulated assets of 20 million yen (approximately NT$4 million) from zero savings, shared 5 "habits of saving money without having to force yourself".

1. Write down how you feel at the moment in a notepad

Moms who are busy with family and childcare often tend to ignore their emotions. When emotions are ignored, the baseline for spending money also becomes blurred, leading to unnecessary waste.

Therefore, spend 5 minutes every few days and write down your current feelings in a notebook. For example, "I finally finished sorting my clothes today, I feel a sense of accomplishment", "My child has been having a fever for days, I'm so tired", "My husband and daughter made me a sandwich, I'm so happy".

By facing your own emotions, you will better understand "what I really want", so that you can spend money on what is really important and naturally reduce unnecessary expenditures.

2. Spending money to “let go of things you don’t want to do”

Housework such as laundry, cleaning, cooking, etc. never ends. People who are good at saving money will choose to spend money to relieve "things they don't want to do." For example, you buy a dryer to save yourself the trouble of drying clothes, use a dishwasher to avoid washing dishes, buy a sweeping robot to avoid vacuuming the floor every day, and use an automatic cooking pot to shorten the time you spend standing in the kitchen.

The unit price of these home appliances may be high, but because they can be used every day and save your own time, they are actually very cost-effective. The time you save can be used on things that only you can do, such as spending time with your children, resting, or self-care.

3. When faced with "numbers"

when managing household expenses, people often want to avoid deficits or sudden expenditures. But naturally people who can save money will not run away, but regard numbers as "information". When there is a deficit, they will not blame themselves, review the reasons, and apply improvements to the next month. If this continues, they will be able to establish a stable family financial system.

4. Thinking about "retirement"

Although some people may say: "Just living every day is very tiring, how can you still dream about life after retirement?" But old age does not come suddenly, but is continuous with the present.

Try to think about where you want to live when you grow old? What kind of daily life do you want? How far do you want to work? These thoughts will affect "the current way of using money" and "work choices", making life closer to what you really want.

5. Talk about "money" with your partner and family

Family is a companion in the same boat. People who are good at saving money share their income with their partners, discuss life's expenses, and develop relationships where money can be discussed freely.

Through information transparency, money issues can be solved together without one person having to bear the pressure alone. In this way, family members can achieve a life with "warm hearts and full wallets" together.