The first one is for living expenses. With such a small living allowance, you can only get a dozen dollars a day. One rice, one egg and one cup of soybean milk for breakfast. Chinese food is snacks and fruits. Turn on a small stove for dinner, cook some rice, add two dishes, and have a glass of milk before going to bed. So the food in January is about 500-600. However, if you are young and don't have too many health problems for the time being, such a diet will keep you from having health problems for several years.
The second one is used to make friends and expand your interpersonal circle. That's comfortable. Your phone bill may cost 100 yuan. You can treat guests twice a month, each time 150 yuan. Who did you invite? Remember, please invite people who are more thoughtful than you, who are richer than you, and who you need to be grateful to.
Every month, insist on treating guests. A year later, your circle of friends should have produced value for you. Your reputation, influence and added value are all improving, and your image is good and generous.
The third one is for study. You can spend 50 yuan-100 yuan on books every month. If you don't have much money, you should read books carefully and learn to use the spirit of books when you study. After reading a book, turn it into your own language and tell it to others. Sharing with others can improve your credibility and enhance your affinity. In addition, 200 yuan saves up and attends training once a year. Never stop. When your income is higher, or you have extra savings, you will attend more advanced training. Participating in good training can not only make like-minded friends for free, but also learn the truth that is difficult to understand at ordinary times.
The fourth is to travel and reward yourself for traveling at least once a year. The growth of life comes from the constant experience of participating in that kind of free travel, staying in a youth hostel, the earth is actually not big, and we go out every year. In a few years, we can put the red flag on the map, and many beautiful memories become the driving force of life, so we have more enthusiasm and energy to go to work.
The fifth part is used for investment. Save it first, then you can invest in the stock market, or you can use it as the capital for purchasing goods. Small businesses are very safe. Open a Taobao account and wholesale something. Anyway, the loss is not much, but you have earned money, confidence and courage, and gained experience in doing things. If you earn more money, you can start buying long-term investment plans, so that you can get a long-term guarantee in advance, and ensure that you and your family will have enough funds to take care of whatever happens in the future, and the quality of life will not decline.
Well, it's been like this for a year. If you earn 2000 yuan in the second year, it's your fault. If you don't make progress, it's shameful enough to live. See what brand of tofu is harder. Buy some and hit your head.
Those who earn less than 3,000 yuan a month must work part-time, not be poor, and be very picky. One is unwilling to do this, and the other is not interested. If your income is not high, you must be diligent. Try to find a job related to sales, such as a real estate agent. This is a very good part-time job, which can not only meet many valuable people, but also exercise your information collection ability and marketing ability.
Clothes and shoes should be bought as little as possible this year. It's best to buy it all through the money earned by your part-time job. As a way to reward yourself. When you earn extra money, remember to buy a gift for your lover and thank him/her for supporting your financial plan. Tell him/her frankly why you are so diligent, and tell him/her your dream and the direction of your efforts.
There are businessmen in need everywhere. Do something for them part-time to hone their will, eloquence and working ability. Coupled with your financial management ability, your income will increase to at least 5000 yuan next year. The minimum is 3,000 yuan, otherwise your income growth can't keep up with inflation.
No matter what your income is, remember to divide it into five parts. Increase investment in the body, make it useful forever, increase investment in socializing, expand contacts, increase investment in study, enhance self-confidence, increase investment in tourism, expand knowledge, increase investment in the future and increase income.
Keep this balance, and gradually you will start to have a large surplus. This is a virtuous circle of life planning. The body will get better and better, and get more nutrition and care. There will be more and more friends, and many valuable personal relationships will be stored. At the same time, you also have the conditions to participate in those very high-end training, so that you can have your own party ... >>
Question 2: How to save money?
1 Drink more boiled water and less drinks at ordinary times. You can take a small glass when you go out. You can save hundreds of dollars if you persist in this way for one year.
A complete collection of money-saving methods
Family conditions generally do not buy a car. After buying a new car, the car began to depreciate, and it depreciated year by year. Including car maintenance, gasoline, parking fees and so on. It will save hundreds to tens of thousands of yuan every year.
A complete collection of money-saving methods
3 Flexible use of networks and mobile devices. Communicate when there is nothing particularly urgent. You can use the internet flexibly, and you can also use tools such as chat tools. For example, VoIP, QQ, WeChat and so on.
A complete collection of money-saving methods
Generally, large supermarkets will deal with some vegetables and food at special prices every night when they close. You can seize this time to buy some products.
A complete collection of money-saving methods
We can buy some products we want online. Many e-commerce companies do not have store costs, so product prices will be relatively low.
A complete collection of money-saving methods
Read more useful books. Reading more books can avoid many things that should not have happened. This will greatly save your living cost.
A complete collection of money-saving methods
Pay attention to your health. Take good care of yourself, so you don't have to spend more money when you get sick.
A complete collection of money-saving methods
Stop smoking. For smokers, if they can quit smoking, they can not only save the cost of buying cigarettes, but also avoid the medical expenses incurred by smoking in the future. 1. Go to the supermarket at 9 pm.
In many supermarkets, fruit bowls, salads, cakes, cooked food, etc. There will be a discount at 9 pm. The price may be less than half of the price on the label, but it will make our nightlife more "quality".
Second, look for opportunities to save money on cosmetics.
Cosmetics account for a lot of expenses of girls. If you usually like to buy high-priced cosmetics at the counter, you should pay attention. In fact, there are many cosmetics on the Internet that are much cheaper than counters. It's more cost-effective if everyone buys together. Online group buying is popular this year, such as group beauty. Com, this is a website where people buy cosmetics, so the money saved is still considerable. Third, it is the cheapest to buy a plane ticket in the morning.
Do you know when it is cheapest to buy a plane ticket in a day? The answer is morning. Because the discount on air tickets is usually readjusted overnight. In addition, try to avoid traveling on Monday morning and Thursday night, because these two periods have the most passengers. The ideal flight time is: every day at noon, during the week. It will be much cheaper to take a connecting flight to the destination than a direct flight; Choosing a relatively small airline flight is usually cheaper than a very large airline flight; If you book tickets on Ctrip, pay attention to its "round-trip zone". Booking a round-trip ticket will be 40-60% cheaper than buying two one-way tickets.
Fourth, support domestic products or foreign cheap cosmetics.
Although domestic products are cheap, there are many good goods. Pay more attention to the products commented by netizens. Websites like Douban and Tianya have special discussion groups. Some things are really good and cheap. For example, the best-selling aloe vera gel; Beddock Acne Removing and Detoxification Cream is very cheap, but its effect is said to be well-known. There are also some cheap goods made in foreign countries that are quite easy to use. South Korea's MISSHA BB cream, which costs tens of dollars, has a first-class uniform skin tone and is no worse than Vichy and Mary Kay. Noodle shops are also very good cheap brands. A TFS black-stick waterproof mascara costs only a dozen dollars. Some time ago, I bought a Korean-made Zanzhen facial cleanser, over 40 pieces of 200ml. My mother didn't know when to use it when she brought it back.
5. The movie is on sale.
Of course, a good movie goes to the cinema. In addition to all-day movies on Tuesdays, some cinemas also offer "Ladies' Night", and women still enjoy half price. There is also "credit card night"-you can use the designated credit card for half price. In addition, in the early hours of the weekend, the cheapest way to watch a morning blockbuster is 10 yuan, or at least you can enjoy a 50% discount.
6. Don't forget to update the mobile phone package.
Don't accept the package plan recommended by telecom sales staff easily, because they will recommend the package with the highest profit rate, but you may not need it. The most accurate way to calculate your call volume carefully is to call up the call list online, which can be seen at a glance.
Seven, take a taxi every 15 km to cancel the meter.
Most people only know that the starting price will be charged after 1 1 at night, but they don't know that the real night driving will cost 20% more per kilometer. In addition, if you ride more than 15km, please ask the driver to drive ... >>
Question 3: How to save money "If you can't eat or wear, you will be poor if you don't count." It can be seen that the position of careful planning in family life is multiple.
First, choose non-fuel vehicles.
The price of gasoline continues to rise. Ten yuan of gasoline was used up in less than a week. Looking at the monthly motorcycle oil in 50 yuan on the ledger, my husband and I discussed how to save this little money. -No gas? Motorcycles will definitely not run; Not riding a motorcycle? It's not that I can't walk, I just waste my precious time measuring units with my feet! Besides, you have to get up early, which is not cost-effective. "Is there a car that can run without burning gasoline?" As soon as the words came out, my husband said, "Then there is only a bicycle." I pie pie, "hum! You must ride a bike with your pedal. If you catch up with the strong wind, you should not be exhausted. " "Cycling is the best exercise to lose weight!" My husband gave me a catalyst and hit me where it hurts. "Save money and lose weight, ok, pass!" I was cruel and voted for it.
Each picked up the "car" that he rode at school, wiped off the floating dust, added lubricating oil and pumped up the car, and that's it. The days when couples go to work by bike have also begun. Save gas money and use it for exercise. You have the best of both worlds, beauty and happiness.
Second, buy special goods.
Because of lack of money, my husband and I always want to save money. If you want to scrimp and save, you can't afford rice, oil and salt, and you can't afford to prepare daily necessities such as washing powder and toothpaste. What should I do? Buy something on sale. There is a supermarket next to my home. After several after-dinner reconnaissance, it was found that in order to attract customers, supermarkets would launch several special items every day. If you catch up with the event, there will be more special offers. At this time, I took my husband to snap up Chaopai washing powder-2 yuan at ordinary times, special price: 1.5 yuan, two bags; Liubizhi toothpaste is usually made in 4.5 yuan, with special price: 3.8 yuan, 1 box; Daughter's Mengniu pure milk, buy 4 get free 1, come to a box. ...
Everyone loves beauty, and I can't be an exception because I have no money. But I can never keep up with the trend. Dress up beautifully and hold your head too high, I will be uncomfortable. I like those leather shoes. Ask, it is 158 yuan. If I don't buy, I'll wait. In less than two months, ask again, 128 yuan, I can wait; 98 yuan, I bought it. Of course you can't wear it anymore. The season has changed. But it doesn't matter. I'll save it for next year. Anyway, we are a small county, and the pace of fashion is very slow. Therefore, my husband and I are slightly more expensive clothes, which can basically be conveyed when the seasons change.
Third, go to the bookstore to Taobao.
We are a pair of bookworms. Looking at the rows of beautifully decorated books in the bookstore, we really want to buy them all home, but we can't afford them.
"I can't read it without stealing books!" My husband and I lurked in a small corner of the bookstore. First of all, we pretend to browse casually. Don't misunderstand me. We are choosing a target. Once the target is locked, we will be left alone. As soon as I entered the bookstore, I went straight to literature, while my husband was reading his beloved computer class. Of course, we can't completely enter the state of no self. As soon as the librarian came, I just closed the book and touched the cover. Where is my husband? Pretend to put the book back. Fortunately, we are good-looking, like educated people (bragging doesn't cost money anyway), and administrators generally don't care about us. Besides, we are not stupid enough to go to bookstores every day, because there are more bookstores than books in the city.
When I was in the bookstore, I read the classics of four classical novels, a long-cherished student and many works by famous Chinese and foreign writers. My husband learned a lot of computer knowledge and enriched it into his own practice. I once joked with my husband, "How much should these books we stole be worth?" "I don't know, knowledge is priceless anyway!" My husband is getting sour again.
I bought it. Whenever a colleague asks, "Why do you and your wife buy famous brands? Must be very expensive? " We just laugh, because we can only understand, not express.
Third, go to the bookstore to Taobao.
We are a pair of bookworms. Looking at the rows of beautifully decorated books in the bookstore, we really want to buy them all home, but we can't afford them.
"I can't read it without stealing books!" My husband and I lurked in a small corner of the bookstore. First of all, we pretend to browse casually. Don't misunderstand me. We are choosing a target. Once the target is locked, we will be left alone. As soon as I entered the bookstore, I went straight to literature, while my husband was reading his beloved computer class. Of course, we can't completely enter the state of no self. As soon as the librarian came, I just closed the book and touched the cover. Where is my husband? Pretend to put the book back. Fortunately, we are good-looking and like educated people (bragging doesn't cost money anyway), and administrators generally don't care much about us and don't be stupid every day ... >>
Question 4: How to save money? This month's expenses should be planned in advance, such as how much living expenses, daily necessities and other things need to be bought. Finally, be sure to set aside some money for extra expenses.
Only by spending money in a planned way can you make yourself understand. You have to record how much money you spend every day, and see for yourself which money you spend that day is necessary, which can be saved and which is completely unnecessary, so that you can know fairly well in future consumption.
Everything you do has a plan and a goal, and you can't do it blindly. . . I hope it helps you, and I wish you success in your studies. . .
Question 5: How can we save money? Make money? Saving money is an attitude towards life, and learning to save money is a pleasure in life. In fact, there are many ingenious ways to save money in life. Using these ingenious ways is not stingy, but not extravagant. More often, enough is enough. Save money, save money, save money in the end
1. Buying a smaller house is just enough to live in, which can save a lot of property fees, cleaning fees and so on.
2. First, list the fixed expenses that must be paid every month, such as rent, insurance, telephone, gas, tuition, etc., and write the payment date of various expenses on the envelope, which contains deposit slip or savings card or cash for payment. According to past experience, adjust the living expenses for the current month appropriately, and put the meals, transportation expenses and miscellaneous expenses in the envelope respectively.
3. Plan large expenditures in advance. When you need to buy big items at home, make plans as early as possible, and observe and compare the prices of different shopping malls. At the same time, with this as the goal, make a small money-saving plan every month. After a period of time, when businesses engage in activities, they will buy items that have been optimistic.
4. Reasonably save miscellaneous expenses. General miscellaneous expenses include water, electricity and telephone charges. The secret of saving miscellaneous expenses lies in "using some clever ideas", such as not putting too much food in the refrigerator, which can reduce the loss of electricity. Turn off the TV. You can't just stand by with the remote control panel, it consumes a lot of power.
5. Pay attention to those unused membership cards: Before spending boldly, you must first understand the contents of this monthly subscription project, otherwise it will be very sad to get the bill.
6. change the way of entertainment. Instead of shopping, watching movies, eating, drinking tea, bowling and other activities, we go to the park, see the scenery, climb mountains, walk and swim, which is both economical and enjoyable.
7. Find out what necessities are: The way to save money is to know what necessities are. Only buy things that are necessary and can't be bought at home, otherwise you won't buy them anyway. Reduce the number of supermarket visits and try to go only twice a month. Make a shopping list before you go to reduce the number and frequency of impulse shopping.
The best way to save money is to make more money. Start your own business. This is the surest way to earn more money. But no matter how rich you are, saving money is a must!
Question 6: How do you usually save money? Prioritize the things you want to solve with money, and then make a list of necessary and unnecessary things in your mind, whether to spend the money on daily expenses or on a XX, and then decide whether to spend the money or when it is most worthwhile.
Question 7: How to save money? Plan 10, write down every consumption, once a week, once a month, and gradually reduce unnecessary consumption.
Question 8: How can we save money? In daily life, do you also feel that the money in your salary card is fleeting when you have bought nothing? How can we save money and spend it on the "blade"? This article teaches you a few tricks.
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Jet lag is the basic way to save money. In the smallest field, such as "time-sharing meter", you can enjoy a half-price discount by slightly delaying the centralized power consumption time to 10 in the afternoon and staggering the daily power consumption peak; The most typical field is tourism. It is time-consuming and labor-intensive to travel with the people of the whole country during the "Golden Week", which often makes people miserable. The method of change is also very simple. Paid vacation, the holiday will be postponed for a week or two, and the scenery you see will of course be different! There are fewer passengers in the morning and evening when buying discounted air tickets, which is relatively favorable. As for going to the cashier to enjoy a few hours of discounted singing, going to a high-end restaurant for afternoon tea and buying clothes in different seasons, it is really to save money and sacrifice sleeping time.
There is also the choice of fund back-end charging mode, making a fuss about time. The purpose of providing preferential treatment to fund companies is to prevent funds from being redeemed in advance. From the perspective of investment, there is no need to rush to redeem the fund within one year. Choose a fund and have confidence in its operation. As long as you estimate that your confidence can last for one year, you can choose the back-end charge to enjoy the preferential rate.
Play the "wholesale" card
Individual strength is limited, while collective strength is infinite. Group buying is the best embodiment of playing the "wholesale card". One person's bargaining is not competitive, but several people and dozens of people join hands to bargain, which is another matter. This is also an important reason why most group purchases can avoid merchants and negotiate directly with manufacturers. From home appliances to cars, you can get more price concessions in group buying. In fact, some other consumption, such as installing a balcony window at home, may wish to negotiate independently with a few friends to get an affordable price!
Group travel is also one of the coup. It is a very happy thing for students to travel together. If someone has a tour guide card, they can make up 15 people for a group trip, which can not only enjoy a lower discount on air tickets, but also save students at least 20% of air tickets. This wholesale card is very attractive.
Sacrifice a part of the comfort of life.
The premise of new frugality is not to reduce the quality of life. On this premise, it is certainly feasible to save a few banknotes at the expense of a little comfort. For example, karaoke in prime time at night is expensive. If you just sacrifice the time of sleeping late in the morning and call your friends to the till in the morning, the price will be only 30% off. Do you think it's worth it to have a good night?
The difference between an assembled computer and a branded computer is entirely at the expense of comfort. At the same time of high price, brand computers almost provide "fool-like service", and computers can be sent home for routine operation, especially for children or beginners. Brand warranty can make you less worried. The assembler will do all this independently, to some extent, this is also the price of saving money!
Time and energy get money.
It has long been pointed out that financial management is hard work, and frugality takes time and energy. Collecting advertisements is a laborious task, and you may need to call on your family to do it together. Supermarket discount cards, newspaper discount advertisements, and cool jump discount coupons. Remember to download and print KFC McDonald's coupons online. These all need special tools to store, and it is difficult for a willing heart.
It also takes time and energy to save money by fund conversion. After all, you need to go through more twists and turns than normal procedures. People who sell houses and rent houses take on more trivial matters of time and energy. It is conceivable that running an intermediary, running a bank, running a trading center and running away from customers has long been a painful experience. Many people also have the idea of changing houses or renting houses, but they are afraid of all this and have always maintained the status quo. It seems that wealth is still biased towards hardworking people. How else would millions of cash get into his hands?
Use advanced scientific and technological tools
The representative figure is the network family. For example, in the process of group buying, the network plays a very important role. It brings together netizens with common needs to bargain. If you only rely on oral communication between friends, it is obviously not so appealing. Mr. Liang's online remittance just caters to the promotion of electronic banking by banks, which has the characteristics of the times and practical benefits. In fact, it can be understood by looking at the preferential measures of CCB's "Express Huitong". Electricity >>
Question 9: How to save money and six habits to develop in financial management.
Habit 1: record financial status.
If you can measure, you can understand, and if you can understand, you can change. Without continuous, organized and accurate records, financial planning is impossible. Therefore, at the beginning of financial planning, it is necessary to record your income and expenses in detail. A good record enables you to:
1, measuring the economic situation-this is the basis for making a reasonable financial plan.
2. Effectively change the current financial management behavior.
3. Measure the progress of achieving the goal.
It is particularly important to note that in order to keep good financial records, you must also establish files, so that you can know your income, net assets, expenses, liabilities and so on.
Habit 2: Clear values and economic goals.
Knowing one's own values can establish economic goals and make them clear, definite, true and feasible. Without a clear goal and direction, it is impossible to make a correct budget; If you don't have enough reasons to restrain yourself, you won't be able to achieve your desired goal in 2, 20 or even 40 years.
Habit 3: Determine the net assets.
Once the economic records are made, it is easy to calculate the net assets-this is also the way most financial experts calculate wealth. Why should we calculate net assets? Because only by knowing the annual net assets can we know how much we have made progress towards the goal.
Habit 4: Know your income and expenses.
Few people know how their money is spent, or even how much income they have. Without this basic information, it is difficult to make a budget and arrange the use of money reasonably. If you don't know where the money should be spent, you can't reasonably change your consumption.
Habit 5: Make a budget and refer to its implementation.
Wealth does not mean how much you earn, but how much you still have. It sounds that the budget is not only boring and tedious, but also seems too artificial, but through the budget, you can find out where a lot of money goes in your daily expenses. In addition, a specific budget is very beneficial for us to achieve our financial goals.
Habit 6: Cut expenses.
At first, many people complained that they could not invest more money to achieve their economic goals. In fact, the goal can not be achieved by a lot of investment. Cut expenses and save every dollar, because even a small investment may bring a lot of wealth, such as saving 100 every month. What is the result? If you start investing at the age of 24, you can earn 10% every year, then at the age of 34, you will have 20,000 yuan. The longer the investment time, the more obvious the effect of compound interest. As time goes on, the benefits brought by savings and investment become more obvious. Therefore, the earlier you start, the more you save, and the more your profits will multiply; Good luck.
Question 10: How can we learn to save money and how to save money? Every friend needs it. Although it is dribs and drabs, if you do it for a long time, you can save a lot of money in one year. The coup of saving money in life can teach you to save money easily and nourish your life, killing two birds with one stone. Let's fully share the coup of saving money in life. As long as we work hard and do more, saving money is a breeze.
Save money 1, invite friends to dinner at home.
I don't always eat in restaurants, which takes up a lot of resources. In fact, neither the host nor the guests enjoyed themselves. In fact, the warm return of family is what people really need. Inviting friends to dinner at home not only shows the host's respect for the guests, but also creates an intimate and harmonious atmosphere. DIY's arrangement of flowers and candles, considerate menu design, less consumption and more income.
Tips for saving money in life II. Long-distance telephone saving strategy
If you make a lot of long-distance calls every month, or if you have relatives and friends who often need to talk abroad, you will get 6 points for making domestic calls and 6 points for calling back to Chinese mainland from abroad. You can call 24 hours a day, and the cost is surprisingly low.
Life saves money coup 3, cancel unnecessary functions of mobile phones.
With the continuous development of communication technology, the functions of mobile phones are also varied. For example: call transfer, three-way call, meteorological information service, secretary service desk service, etc. Some of these services are charged. There are other international calls, international IP calls and voice station dialing functions. If it is unnecessary, you can apply for cancellation. In order to reduce the loss of telephone charges caused by misdialing or being misdialed by children. In addition, at home or in the office, try to use the landline phone, which not only saves the telephone bill, but also reduces the radiation brought by the mobile phone to the body.
Tips for saving money in life 4. Don't pay for feelings.
Don't go shopping before hunger, anger and menstruation. Because it is easy for you to spend impulsively at this time, don't make such an expensive mistake. During the lunch break in the office, you should learn to take a small amount of money to go shopping. If you really have something you like, write it down. Maybe on the way back to cash out, you will feel that you don't need to buy it.
Tips for saving money in life. Buy home appliances and keep the necessary information.
When buying household appliances, you need to buy products and brands with after-sales service. Take good care of invoices and warranty cards, and once you encounter problems during the warranty period, you can let workers come to your home for free. When buying discounted goods, pay attention to whether they can be returned or guaranteed. Many times, discounted products cannot be returned or guaranteed. Once something goes wrong, you need to fix it yourself, and it's not cheap to be careful.
Tips for saving money in life. Write down big accounts and small accounts
Bookkeeping, a seemingly trivial habit, can help you understand the monthly capital flow, and can also be used to check whether there are unnecessary expenses and save you a sum of money. Sometimes, you may even give up a temporary desire to buy because it is too troublesome to keep accounts. Remember, what GH wants to teach you is not to curb consumption, but to plan your finances consciously and reasonably.
Tips for saving money in life. Buy a ticket cheaper than a train ticket.
Buying air tickets privately, booking time is the key factor. If the itinerary has been confirmed, you may wish to book tickets in advance, and you can usually get the lowest price. If it is a temporary trip, you can generally get a certain discount through the agent. In addition, get into the habit of accumulating mileage. A big airline alliance will make you waste almost every kilometer. It is also a gain to exchange gifts regularly.
Tips for saving money in life. Personalized vacation plans save money.
Don't join in the fun during festivals or peak seasons, but high travel expenses are often followed by discounted services and mood. Choosing to travel in the off-season will not only reduce the price of air tickets and hotels, but also reduce the quotation of travel agencies. Traveling with a group is still the most economical and worry-free way to travel abroad, but with people paying more and more attention to personalization, self-help travel has become the new favorite of holiday travel. In this regard, GH's opinion is that you can book and book air tickets through the agency, suggest your itinerary, and make fine adjustments according to your own needs, such as changing flight time and hotel rooms. A similar "semi-self-help" model not only saves money and trouble, but also saves worry.
Tips for saving money in life. Supermarket shopping is particular.
In many supermarkets, fruit bowls, salads, cakes, cooked food, etc. There will be a discount at night, and the price may even be less than half of the label. Buying daily necessities, the supermarket's own brand can be said to be inexpensive, the quality is usually the same as that of branded goods, and the price can be much cheaper. Painkillers can also buy local brands, usually with the same effect. ...& gt& gt