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. So the earlier you start, the more you save, and your profits will multiply.

X p Zhu/applause sincere answer from the lucky team. If you think what I said is right, please accept my answer. Thank you! ! Answer questions, quality comes first. If you have any questions, please ask. I will answer them at the first time.

College students are a special group. Cultivating a correct view of wealth and good financial habits in universities is one of the important contents of college students' socialization. This special group, they have no fixed job and financial resources, even if they get some income through scholarships and work-study programs, the amount is still very small; Therefore, learning to manage money is common sense that college students should have.

Keywords: financial management of college students in Guizhou

College students have no fixed jobs and no fixed income. So some people say that college students have no money to manage. How to understand "no money to manage"? The term "financial management" should not be limited to the use of assets already owned, but should include the methods of obtaining assets. That is, financial management is to acquire wealth through scientific and reasonable methods, and to increase the value of wealth through the correct use of these wealth. In other words, college students should not only "open source" to create income, but also "cut expenditure" and use income reasonably.

The Importance of Financial Management of College Students

College students, a disadvantaged group and a special group; How to guide them to deal with "financial quotient" is not a problem faced by individuals and schools, but by the whole society. Dealing with this problem will be an important task for individuals, schools and society.

Learn to manage money and be a college student with "financial quotient". Add value to your life.

College students are the builders of the future society. They shoulder the historical mission and let them know their responsibilities and obligations. Nowadays, many college students always feel that their money is not enough. Some students spend money faster than their parents make money, and treat their parents' money like running water. In this case, we should guide them how to spend money and how to use it. Let them know where they are now and what they will face in the future.

According to the current social situation: the increase of employment pressure, if college students do not develop good financial habits at school. After graduation, faced with the pressure of high-intensity work and low salary, he always felt that money was not enough. At this time, he may have a sense of rejection and disgust towards society, which will be the loss of his life.

Therefore, learning to manage money will be another way to cultivate college students' growth.

Current situation of college students' financial management

According to the survey, the current economic treatment of college students can be basically divided into the following two types:

First, you can only spend, not earn. College students belong to this group. Most of them are tuition and living expenses paid by parents at the beginning of school, and generally they are given indefinite living expenses every month. In this group, some people spend money like water, basically spending all the money their parents earn every month. This is mainly reflected in their consumption. Clothes are famous brands, so are mobile phones, not to mention computers. Sometimes I still associate with women and go to parties from time to time, so it costs more. The other is that although you won't make money, you will think of your parents. As long as your life can pass, there is no need to spend lavishly. I never care what others think of me.

Guiyang Evening News reported that during the Golden Week of 2007 1 1 month, in a pawnshop, I saw some college students pawning valuables such as computers, MP3 players and guitars. I asked the reason, saying it was to raise the travel expenses for the Golden Week, and then I would redeem the pawned items after my parents sent me money. In addition, several students discussed that during the Golden Week, they would go to work for the first four days, and then travel after earning money, asking for ideas. Answer: "I don't want to spend my parents' money. I will feel more comfortable traveling with the money I earned from my own labor. "

The second kind is the kind that can be spent and earned, and there are several groups of them. Although some people can earn, they earn far less than they spend. They always think that they don't earn much, and they always want some from their parents. Some of them can spend their own money and never ask their parents for it. In addition, not only make enough money, but also make reasonable adjustments and leave savings.

Problems existing in the current financial management of college students

The above two forms of consumption appear among college students because. Some students are caused by self-esteem and good face; By comparison, others can do this, why can't I, but how can they think of their own economic strength? The rest is no matter how you live, as long as I can be myself.

Many college students can't manage money. First, their psychology is not mature enough and their thinking is not comprehensive enough. Nowadays, many college students are only children, living the lifestyle of princess and emperor since childhood. Even if the environment changes, they can't change their lifestyle.

Second, I don't know much about the knowledge of "financial quotient". For the concept of financial management, many colleges and universities do not pay enough attention to college students, which leads to their weak concept of financial management.

College students should learn to grow up and cultivate their own "financial quotient" from the perspective of growth. What's the difference between being a college student and ordinary young people without a college education? Besides the fashionable "IQ" and "EQ", there should also be "financial quotient". The concept of "financial quotient" should include the concept of money, values, learning, career, risk, future and success. The scientific concept of "financial quotient" is helpful to effectively control personal financial security and realize life dreams and self-appreciation. Simply put, it is "financial quotient"-that is, a person's ability to control and control money. "Financial quotient" is not about how much money you can earn, but about how much money you have and how much ability you have to control it and bring you more money. There is a saying that people without "IQ" are fools, people without "EQ" are lunatics, and people without "financial quotient"? Only beggars! Under the market economy system, wealth is in the hands of the rich, and 20% people completely control 80% of the wealth. This is the famous "Murphy's Law", which is applicable to any market economy country and of course to China. Whether you want to be a boss, president or wage earner in the future depends entirely on your expectations and efforts, and "financial quotient" is particularly critical. "Be sure to cultivate your own' financial quotient' from now on!"

Ways and methods of college students' financial management

To cultivate "financial quotient", we must start with how to manage money. How to manage money?

As college students in the new century, we should not only learn to earn money, but also learn to use it. Nowadays, college students mainly rely on part-time jobs, starting their own businesses or investing in some funds and stocks to get extra economic income.

Nowadays, college students should learn to make rational use of the scholarships and grants they have obtained, instead of making them slaves of money, let them play a role.

Nowadays, college students, in Guiyang, many college students make money through part-time jobs, and part-time jobs are all-encompassing. Handing out leaflets, tutoring, working for a computer city and working for some companies are all good ways to take part-time jobs. I found a good part-time job, earned money, learned how to manage money, and became a college student with sound financial and business skills.

My opinion on "financial quotient"

As a college student, before studying the course of "investment and financial management", I was so unfamiliar with the term "financial management" that I didn't find anything about financial management in my own life. Every month, the living expenses given by parents always make ends meet, and there are always phenomena such as consumption in advance and overdraft.

Today, I learned how to invest and manage money, how to make money, how to add value with the money I have, and how to make it richer. Now I have learned the general situation of planning this consumption at the beginning of the month and summarized the problems existing in last month's consumption.