Splitting the money earned into two parts is a basic practice—half for social security, consumption, and fulfilling shopping desires. But the real difference lies in how to spend the remaining amount.

My principle is simple: no single expenditure should exceed 1% of the principal. To be more strict, I spend more than 10 yuan only after careful consideration. This is not being stingy, but every time I spend money, I ask myself a question—does this item bring me appreciation or preserve value?

For example, upgrading a computer. I don’t do it at the last minute; instead, I start stockpiling RAM modules and SSDs months in advance. This not only helps spread out the purchase costs but also allows me to buy at the bottom during hardware price fluctuations. Although the value retention rate of electronic products declines quickly, using the right timing turns consumption into an investment mindset. Other daily expenses are different; that’s where true restraint should be exercised.