Are there any college students or older people who can teach me knowledge? Thank you.

Ten tips for college financial management

Although parents support the monthly living expenses, college students must learn to manage money. Let's talk about skills that can be saved and earned first. After all, half a foot has already entered.

College students in society always want to live independently from their mothers and may become famous in the future. These unique skills are still their close partners. How do students manage their finances when they step into society? In this regard, some people will scoff: apart from the monthly living expenses, I have no money at all. How can I manage my finances? No! Teach you ten "financial skills for students" to ensure that you live better than before.

As soon as the monthly expenditure plan is made.

Case: Xie Feiqian has always been "drunk today, drunk tomorrow". In the fifth month (at the expense of his parents), he invited a friend to dinner with the joy of life and bought a floppy disk, which was generous. However, this wonderful life lasted for several days, usually less than half a month, and his wallet bottomed out. It's only been two weeks, and the noodles must have changed. Out of this predicament, but in his pocket, he has no control to limit himself. He has several bank cards, but he has never been confused about which card has money, which card has no money, time, and even the password of one or more cards, so he has to go to the bank to check his skills: this troublesome Xie Fei is a lot of college students. If you hate bookkeeping, at least you won't get any money in the future. Good planning is a common problem. Spend this month and then classify. Don't be bored. Spend another three or five minutes, and you will definitely save a lot of trouble in the future. Afraid of excessive use of money, it is better to deposit money in the bank or use the daily limit of money; The most earthy solution is to put the money in the envelope category and just use it.

Second, don't be greedy for cheap, just buy some for yourself.

Case: Hu Shuli and all other girls like it. Shopping can be discounted, and it's too easy to discount goods. As soon as she arrived at Huaihai Road, everything she saw in the past was expected. In fact, Esprit Global may be sold. Don't hesitate to buy two pieces (in fact, it should be more than 200 yuan), but after returning to the dormitory, my classmates said that the color of the clothes didn't suit her and it didn't look good. Xiao Shu is depressed, but he has also started living expenses for one and a half months, which should be considered. Trick: In fact, this disease is very common not only among female students, but also among male students, because you often encounter this kind of shopping list paper that you should have written before at work, and there are too many temptations outside. . You should "go home" immediately after finishing the task. If they really like something, ask yourself, now you must use it. If not, comfort yourself when you buy again, such as a discount. ? If you see the price gap advertisement played by the merchant, tell yourself that you don't have your own bedroom as a warehouse.

Three businessmen, who doesn't take a lot of money?

Case: Total mortar expenditure in Yuan 'an Street. Two or three hundred hundred hundred-dollar bills left home disappeared like running water. In order to avoid the "impulse" of large consumption, this is the best way: large cash will not be easily opened (for example, 50 yuan, 100 yuan). Experience tells us that spending 1 1 10 dollars is much slower than spending money.

4. Invest in stocks with professional knowledge.

Case: 1999, an economics major from a famous university in Sweet Tang participated in a simulated stock trading competition, which became an instant hit. In two months, the score reached the ratio of 180% and won the championship in one fell swoop. So, at the beginning of 2000, he borrowed 1 10,000 yuan from his parents and officially entered the stock market. 40% of the stock market earned from the first year's rate of return and tuition. 200 1 in the second half of the year, the market continued to fall. Fortunately, he knew how to stop losses, not losses. Now, he has washed his hands and devoted himself to the preparation for the GRE exam. Trick: money is better than money. If you have a lot of cash around, it's better to have it from Qian Shengqian. It is most appropriate to create wealth for yourself with your own professional knowledge; If you have time to watch the market, you can choose some short-term investments; Time doesn't allow, so you choose long-term operation or buying investment funds.

5. Study hard and get a scholarship.

Case: Seo Yin Lou's "good students" generation of teachers and students. From freshman to junior, he has been the main focus of research. In recent two years, he won three scholarships (1500 yuan/semester) and two scholarships (1000 yuan/semester). In addition, he also won the "China Scholar Award" (4,000 yuan/year), the "Dong Scholarship" (4,000 yuan/year) and the "Hong Kong Sponsored Scholarship" (4,000 yuan/year). Therefore, he received a total scholarship of 17500 yuan as much as possible, and he had to pay 3800 yuan for tuition every year. In other words, he won a scholarship, which is enough to pay his tuition for four years. In this sense, he got a free college education. Skill: It is highly recommended to "learn". Put aside the investment in future study. Thousands of dollars, the return of scholarships per semester is very attractive! It is often heard that all members of a dormitory have won scholarships totaling over 10,000 yuan in one semester. Besides, students' enthusiasm for learning is a direct result, because you don't have much time to go to school. Invisible also saved you a lot of money.

6. Make maximum use of free resources.

Case: Yang often goes to McDonald's to review half a day's lessons during exams or at ordinary times. Of course, the cost of lunch and dinner is generally twenty or thirty yuan a day. Later, he gradually discovered that although McDonald's has a pleasant temperature environment, good music and excellent service, the voices of people around it are too noisy, which is not a good place to review. If you go to McDonald's for the night, it's best to study in the reading room of the library or the self-study classroom of the school, because it's quiet there, and no matter how much time you spend, it's free to sit-as long as you show your student ID card or even drink tea for free, it's quite convenient to get whatever information you want. Trick: Maybe you don't even think your student status is a valuable resource. Make full use of your student status, you can enjoy many benefits. Yang, the classmate above, found that studying in the reading room of the school library is more efficient and cheaper than McDonald's. We can also list the free (or relatively cheap) resources provided by many schools: the library is some less commonly used reference books, and it is a good cornucopia to buy programs that seem to be borrowed from the school library. There is a computer room, a language laboratory and a printing center ... are there any suitable development features in these places? Because of your student status, you can also enjoy preferential campuses in many places: college students can enjoy preferential air tickets to go home during school holidays with their student ID cards; When college students visit museums or science and technology museums, they can get discounts or even free tickets with their student ID cards. In addition to various training courses, students who go home have different degrees of concessions in tuition fees.

7. Create your own wealth

Case: Cuicheng, who majored in computer in a university, was always asked by his friends for help when purchasing computers because of his strong hands-on ability. After studying a major in college, Cui Craft and his senior friends simply asked him to install a computer. After a computer was completed, he was given a "manual fee" of several hundred yuan. Because the computer configuration price of the same brand is 1000 assembly machine! Friends were happy to do so, and Cui didn't refuse. Trick: DIY is popular now. Boys can assemble their own computers, show sympathy, and buy expensive Chinese knot ornaments with their daughters, or as gifts. Why not learn their series? There is an old saying: "Do it yourself and have a full meal." In today's society, it is a glorious thing to make money by one's own craft.

8. Reduce unnecessary parties

Case: Chen Gang's class cadres make extensive friends and participate in many social activities, so that students can always have friends on weekdays. All kinds of parties are often held in teahouses, KTV and other places, usually with AA system. Although he is not very rich, because many acquaintances or friends are unfamiliar, his hands and feet will naturally increase because of feelings. So the light in his book is "light" compared with meeting several times a month. Skill: Of course, it is necessary to connect feelings as a party and as a way to transmit information between classmates and friends. However, some simply find a party to eat. If you have enough money, it's nothing. One more thing I have to mention: don't hurt your wallet, don't hurt your friends' feelings, and sometimes you have to learn some white lies.

9 fully understand the market and conduct secondary transactions.

Case: Students are consistent and nursing evaluation is "smart". Because he can often buy some eight or almost half of the books, when asked, they are all "scoured" from the Internet. Last semester, students reported that they were a little worried about training advanced English interpreters. After the exam, he did not forget to post a post on the school BBS: "Teaching materials and tapes are located in Gaokou, and they are sold at preferential prices. If you are interested, please call XXX ". At night, the phone began to ring from him, listening to different quotations and inquiries, as well as those students who have the warmth of other people's bedrooms. After some comparison, the original price is 185 yuan, and his textbooks and tapes are sold at the price of 100 yuan. Of course, it was the buyer who owed him. He waved and said, "Forget it, we won." Skills: using textbooks, TOEFL, GRE references ... may not be of great use to yourself, but it may be something that others find difficult. Sell it at a relatively cheap price, so that you can enrich your purse and seek benefits for others. As for the communication channel of information, of course, it is the best method of network. You can use the campus network to publish trading information and set up an "online flea market". You can also use the existing C2C e-commerce websites, such as Yi Bei, to publish and obtain information. The two parties reach the Internet, and then agree on the time and place of the transaction to complete the net worth transaction. This practice is becoming more and more popular among college students. In addition, there are some large-scale second-hand trading activities that cannot be missed. For example, almost all college graduates will leave the graduate flea market, which is held here. You can "find" many books, tapes, CDs, bicycles and even computers. Of course, one day when you come to graduate school, your garbage can also get a better price, so that they can continue to "play the residual heat."

Ten, try to do a little business

Case: Student and Xiao Tao are two martial arts fans, each with a full set of hundreds of martial arts masterpieces such as Jin Yong and Gu. One day, they were suddenly rented a book stand outside the school. They devoted themselves to making full use of the rich resources of martial arts and inspired them to rent a school book stand. Unexpectedly, due to the price advantage, borrowing books became an instant hit. Now they are encouraged to continue to lease VCD from schools and various wholesale markets, and sell discounted phone cards and mobile phone recharge cards according to the needs of the school market. Last year, they found a new thing-quasi-credit card, which acted as a quasi-agent in school. Unexpectedly, this mistake has just dealt with seven cards in two months, and the Committee's hands are still not worth their advertising expenses. The reason for the above analysis, they said gloomily, may be that potential credit cards have to be paid to 20 yuan in the first year, and the guarantee fee in 20 yuan, 20 yuan is the door-to-door service fee, and the overdraft limit is only 1000 yuan. Students with financial difficulties do not want to go out of 60 yuan, and students also think that the overdraft limit is better, so there is no quasi-credit card in the school market. It seems that business is really not easy to do well, and there are many internal skills. Trick: the school is a small society, and the school is not restricted. The start-up capital of financing, their boss is small, maybe he really started from the campus and started his own replication industry. Start with the best advice of some small venture enterprises, such as agency products. It doesn't matter how much profit you make by doing small business at school. It is important that you learn business and market awareness, learn to actively understand the market, and learn business at school according to market changes. "This is the most important thing.

The festival of stepping into social life is completely different at school, starting with the fresh paid life of newly graduated college students. Many students left the club, and due to lack of financial awareness, it is easy to become a "moonlight family" who can't make ends meet; There are also some people who know how to plan their assets rationally and become richer and richer. Therefore, whether or not you will subsidize one of the wealth that may become a key factor:

It is very common for college students who have just joined the work to learn compulsory savings, lack of funds and financial management experience, and no one intends to spend money. Even if you have the money to participate in wealth management, the high threshold of many wealth management products will be rejected, such as bank wealth management from 50,000 yuan or more. Therefore, the accumulation of wealth through compulsory savings in the early life is regarded as the most effective way to manage money, which can help people who love spending money to get rid of bad consumption habits, and at the same time accumulate a lot of capital for later life. However, please note that when the compulsory savings time reaches a certain capital level, other financing channels need to be considered.

Buy some insurance for young people who just joined the company. They have great work pressure, hard work and little social security. Although under normal circumstances, the unit will buy basic social security for college graduates, it cannot provide protection against major accidents or serious illness insurance risks. Therefore, it is necessary to establish a safety net after purchasing some commercial insurance. Personal accident insurance and critical illness medical insurance should be purchased first.

In fact, learning budget, any finance, can not be separated from the main line, just working in a university, especially without strong financial resources. Channels are expanding wealth, and savings can not be ignored. If you don't accumulate a small amount of traffic, you can't earn RMB. Here are some tips for the provincial finance department: first, set up the daily expenses of filing books, and check them frequently to understand how they spend them and gradually eliminate unnecessary expenses; Second, banks that skillfully use credit cards can use credit cards to deposit cash or other finance, and they can also enjoy interest-free treatment before repayment.

Try young, strong and healthy financial risks, which are in their heyday, with great development potential and strong risk tolerance. Therefore, young people can try some high-risk financial products, such as stocks or buy stocks with funds, with higher income and rapid wealth appreciation.

It is reasonable to arrange 600 months in January, and now it is a living example.

As follows:

1, catering: one breakfast hotel in 2 yuan and one in 5 yuan, serving lunch and dinner, surrounded by beautiful woman 3 yuan. In this case, the normal meal fee is from 240 yuan to 360 yuan every month. This does not include eating out. This fee is much less for local students, because there are few people staying at school, and accommodation usually has too much time to go home and stay at home for two days on weekends. For a month, to ensure their normal meals, the first thing to do in life is to put the money into the appropriate meal card at the cost price.

2. Cost: It will cost very little money to control the average monthly level around 30 yuan.

3. Transportation expenses: According to going out twice a week, one month is about 10 yuan.

4. Clothing expenses: The average level is around 50 yuan every month, which is different for men and women, and generally boys spend less. Parents who really need to buy big things.

5. Communication fee: from 30 yuan to 50 yuan.

6. Nursing and family expenses: 50 yuan

If you make the same arrangement, 50 yuan will have a normal balance of $90 per month, with a maximum balance of 190 yuan. A semester lasts for five months (students usually only have four and a half months' actual time), and you can have 250 yuan's 950 yuan balance, which is a part of the money you can freely control.