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视角姬|洋视角:4招变手机为省钱利器

2019-12-04 11:58:48 创业经验 来源:http://www.dagaqi.com 浏览:

导读: 当下,手机成了“烧钱”的得力助手。除了要支付各种各样的超额费用,一些流行的App推出花样百出的功能,诸如送餐、一键购物、应用内购买等都成了钱包杀手。虽然如此,只要你掌握几个使...

 

  当下,手机成了“烧钱”的得力助手。除了要支付各种各样的超额费用,一些流行的App推出花样百出的功能,诸如送餐、一键购物、应用内购买等都成了钱包杀手。虽然如此,只要你掌握几个使用小技巧,手机将会化身为强大的省钱工具,且让我们来瞧一瞧有何技巧:

 

第一、制定预算 & 监控消费

 

 

  成功理财的第一步是要制定并执行一个明确的预算,具体的办法可通过监控所有账户的周消费记录实现。截止到目前,“第一步”仍是说起来容易做起来难。但是,多亏了诸如Mint等理财App,基本实现了制定预算和监控消费的无缝连接。使用App Mint的过程中,用户可密切关注自己的账户动态、制定预算或检查信用评级等。

 

第二、自动还款 & 手忙脚乱

 

  据统计,美国每个家庭的月平均账单为12个。滞纳金和透支费均为难以避免的常见现象,而且这些费用会积少成多。针对这种情况,除了可设定备忘录和提醒外,几个理财app也可帮用户在手机端实现自动还款功能。

 

  当下,手机成了“烧钱”的得力助手。除了要支付各种各样的超额费用,一些流行的App推出花样百出的功能,诸如送餐、一键购物、应用内购买等都成了钱包杀手。虽然如此,只要你掌握几个使用小技巧,手机将会化身为强大的省钱工具,且让我们来瞧一瞧有何技巧:

 

第一、制定预算 & 监控消费

 

 

  成功理财的第一步是要制定并执行一个明确的预算,具体的办法可通过监控所有账户的周消费记录实现。截止到目前,“第一步”仍是说起来容易做起来难。但是,多亏了诸如Mint等理财App,基本实现了制定预算和监控消费的无缝连接。使用App Mint的过程中,用户可密切关注自己的账户动态、制定预算或检查信用评级等。

 

第二、自动还款 & 手忙脚乱

 

  据统计,美国每个家庭的月平均账单为12个。滞纳金和透支费均为难以避免的常见现象,而且这些费用会积少成多。针对这种情况,除了可设定备忘录和提醒外,几个理财app也可帮用户在手机端实现自动还款功能。

 

第三、享受会员特价和折扣服务

 

 

  在过去几年中,基于强大的交互性和目的性广告投放,众多社交网络成为商家和用户的联系枢纽,进而赚了个盆满钵满。通过社交网络关注自己喜爱的品牌,并申请邮件提醒服务,有心的用户便可畅享内部交易、折扣优惠、提前知晓新品预售时间等。如能确保所购为所需,关注心爱的品牌可使你成为一个明智的消费者。此外,切记一点,在交易过程中,你要掌握主动权,而不要成为交易的利用对象。

 

第四、敢于货比三家

 

  毫无疑问,技术改变了人们的购物方式。看上实体店的一件商品,却接受不了价格?拿出手机来查一查,你很有可能会在网上搜索到同款或类似产品,这时候你就可以直接在线下单了。又或者,你可以去店里砍砍价。这种对比购物的方式有一个专有名词,叫做“买前验货”。此种购物方式在消费者中大受欢迎,很多国际大牌诸如沃尔玛、塔吉特和百思买均承诺为消费者提供最优价格。

 

 

  手机既可扮演冲动消费的“恶魔”,也可扮演促进良好消费习惯养成的“天使”。对于一些你难以抵制消费诱惑的App,建议将其从手机中卸载或者不要在上面保存信用卡账号等个人信息。一旦需要输入信用卡号和个人信息,你就会在购物前“三思而后行”了。

 

原文:

 

4 Easy Ways Your Phone Can Actually Save You Money

 

  Cell phones have earned a reputation as enablers of mindless, wallet-draining spending. In addition to racking up expensive overage fees and internationalcharges, popular apps offering food delivery, one-click shopping and in-app purchases can be a danger to your wallet. Yet, with a few simple tricks and downloads, your phone can actually be a powerful money-saving tool.Below are four ways consumers can use their cellphones to save money.

 

1. Easily Budget & Monitor Spending

 

  The first step to successful money management is establishing and sticking to a budget by monitoring your spending across all accounts weekly, if not daily. Until recently, this was much easier said than done. Thanks to personal finance apps like Mint, setting budgets and monitoring spending is nearly seamless, as users can closely keep an eye on all their account activity, set budgets, and check credit scores in one place. Most of these popular apps can also act as a personalized financial coach, sending users account alerts, weekly spending summaries and personalized advice to keep spending in check.

 

2. Pay Bills Automatically & On the Go

 

  The average American household juggles 12 bills a month. Late fees and overdraft fees are all too common and can sometimes feel unavoidable, but these small charges add up fast.In addition to scheduling reminders and alerts, several financial apps make bill pay easy by allowing users to schedule and make bill payments directly from their mobile device, as well as view all account information in one place. Never be hit with a late fee again!

 

3. Benefit from Member Specialsand Discounts

 

  In the past few years, social networks have grown into billion dollar businesses thanks, in large part, to their ability to effectively connect businesses with their customers through targeted advertising. By following their favorite brands on social networks and signing up for email newsletters, smart shoppers are benefitting from exclusive deals, discounts and early sale alerts.

 

  Pledging your allegiance to preferred brands can be an excellent money saver, just make sure that you’re buying only what you need and taking advantage of the deals, rather than letting the deals take advantage of you. If you find yourself lured into unnecessary impulse purchases by deals, it may be best to unsubscribe from regular communications and just check social feeds as specific needs arise.

 

4. Dare to Compare

 

  Technology has changed the ways we comparison shop. Love a product in store but don’t love the price?Pull out your phone and with a few Google searches, you can likely find the same or similarproduce online, which you can then either order directly or use to negotiate a better deal onthe object in store. This type of comparison shopping, called showrooming, is gaining popularity among consumers and many large national brands like Wal-Mart, Target, and Best Buy guarantee to meet competitors’ prices. In addition, comparing costs and reviews online can help you choose the best deal and product before leaving the house.

 

  While your mobile device can be an easy gateway to thoughtless spending, it can also be a tool to better money habits. And as for those other tempting apps that make spending money quick and easy – delete them from your phone or don’t store your credit card information. The extra steps of pulling out your credit card and entering your information will make you think twice.(原文出处:mint 网站)

 

栏目介绍:“洋视角”是理财频道新开设的一个栏目,栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点,以期对国内投资者的投资理财有借鉴意义。

 

 

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