Recently, there have been articles advising on personal financial management with all kinds of methods, large and small, from East to West. But thinking about it again and again, in general I see that there are only a few main points: spending must be below income; If you want it to be delicious, increase revenue and reduce expenses... that's it.

But in the end, many people still try to find a new, newer method of managing personal finances. What is the ultimate problem? It's because income is difficult to increase, but they don't want to reduce expenses, that's all.

But in this life, there is nothing that can only be added without having to sacrifice something. No matter how scientifically you record your spending, if you are not willing to reduce spending, the problem will always be there and cannot go away. Everything is always a trade-off, and people often suffer because they want to have both.