First of all, we should provide a wider source of income for college students. Excess funds is the most basic problem of people's financial management. Facing the single income mode that college students in China mainly rely on their parents, the author thinks that we should broaden the income channels of college students and attract more college students to earn income through their own labor, which requires the cooperation of society, schools and college students' families.

First of all, universities should provide more part-time jobs for college students. For example, libraries, canteens and other departments on campus should give priority to hiring college students to work and study, and give them a certain salary.

Secondly, the school should also fully contact the units that have employment needs and are suitable for college students, and provide more and safer part-time jobs for college students.

Finally, the state should increase the investment and coverage of college students' scholarships, so that more outstanding college students can get scholarships.

Second, establish a financial fund system for college students. On the premise that schools, the state and society give college students sufficient sources of funds, we should also establish a financial fund system for college students. A certain proportion of the income earned by college students through work-study programs or scholarships should be managed by the college students' financial fund set up by the school, and the funds will be distributed to each college student after the end of the school year.

This system can effectively prevent college students from wasting money, and can collect their daily scattered money through the college students' financial management fund, so that when a certain amount of money is given to college students, a considerable number of college students will inevitably pay more attention to the funds here.

Third, increase the education and publicity of personal finance for college students. In the end, let college students participate in personal financial management, which is inseparable from the improvement of college students' financial management awareness.

Therefore, as schools and families, it is necessary to strengthen the cultivation of college students' awareness of financial management and planning, and financial institutions should also attach importance to college students as a potential market for financial management, and go into the campus to explain and publicize the significance of personal financial management and the benefits of college students' participation in personal financial management. At the same time, guide college students to learn about financial management, improve the importance of personal financial management, and participate in personal financial management more actively.