8号出账单，9号还花呗，账单式小康怎么破！
昨天支付宝出了年度账单，不少网友表示“原来我去年赚了这么多钱？”相信有不少人和小编一样不知道钱怎么就花出去了，在还花呗的日子里，小编决定痛改前非。
账单复盘，看看去年都花在哪里了！
话不多说，小编直接上了自己的账单，看到前几项不仅心里一阵，我怎么花了这么多，但是这个其他消费是什么呢？小编根据月账单看了出来：
原来平时的扫码支付是属于其他消费，但生活日用也有扫收款码的情况，这就说明这个分类是根据收款码的类别来看的，一般是正确的，没有设置的就是没有其他消费，这样就能够看出来扫码支付的金额了。平时扫码可能感觉不到花钱，现在可以认真的算一下了。
制定花费金额，调整消费结构
为什么会产生没有挣那么多的钱却花了那么多，就是因为信用卡、花呗这些超前花费，小编不是提倡不用，而是要根据自己的收入情况进行划分，每个月可以拿出自己工资的百分之几作为生活费，如果有大型支出，就要平摊到其他月份，这样即使是用信用卡或者是花呗也不会入不敷出。
改变消费观念，囤积也要适度
小编去年囤积好多东西，用了大半年也没有用完，有的过期只能扔掉。其实活动时时有，囤积太多也是没有必要的，打算今年把囤积的东西用完再说。
以上就是小编整理的有关调整自己消费情况的一些建议，希望对大家有所帮助。
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