Therefore, financial management should be one of the compulsory courses for contemporary college students to enter the society. Around us, a considerable number of college students are trying to manage money. Although the ways are different, the methods are varied, the returns are high and low, and the effects are good and bad, but the desire and pursuit of wealth is the eternal starting point and destination. This also fully reflects the contemporary college students' wealth concept and financial management consciousness.
First, open source-there are many ways.
Generally speaking, students' investment is mainly in stock trading. The current campus investors can be regarded as "Xiao He just showed his sharp corner". Investment has both benefits and risks, so only some students with better families can have fun. Students on campus stop at the stock market not to make money, but mainly to understand the investment market and accumulate some experience for personal finance in the future. Therefore, some of them study economics, finance, law and even philosophy. The investment amount of these student investors ranges from 1000 yuan to 5,000 yuan, and the high one is 10000 yuan. Although there are not many people who really make money, they said that stock trading is not only to make money, but mainly to understand the investment market and accumulate some experience for personal financial management in the future.
Some high-investment student investors are mostly provided with extra funds by their families, and these new investors sometimes run into a wall when trying. Some people lost 20%-30% of the total investment, while others lost half. When communicating with these students, the author asked about the impact of stock trading losses on them. Several students feel more positive: on the one hand, they have to pay tuition fees when they come into contact with the investment field, but also let them know that it is not easy to make money. A classmate lost one-third of the money saved at home in order to buy him a car, but he said that he must earn it back by himself in the future. The loss is not long-term and unchangeable. In a way, this failure has also become a boost to success. Compared with ordinary students, student investors have shown a trend of running away from the forefront in personal finance.
Another way to invest is to do small business in partnership, and the main customer group is students. This kind of investment is basically to sell some necessities of life, such as cosmetics, clothes, shoes and socks and sports and fitness products.
The increasingly popular network on campus has also become an ideal tool for students to invest. Some students look for business opportunities online and sell their "goods" through the internet. Some people jokingly call the network a "new economic growth point".
Second, reduce expenditure-rational consumption.
Another aspect of financial management is to spend money properly and reasonably. Please read the following two short stories first:
A college student said, "every month's money is spent in such a muddle." Only when it disappears will you know that this month is not over yet. As for next month, I will either have the cheek to ask for it at home or borrow it first. " -Jinhua Evening News
According to Fang Tong's theory in college, he brought 3500 yuan for living expenses this semester. When I arrived at the school, I paid a one-time rent of 1400. He went shopping with his girlfriend, bought her a suit, bought himself a pair of sports shoes, and ate western food at night, which cost more than 700 yuan a day. This day will cost him a month's living expenses. Now there are nearly two months before the end of the semester, and there is not much money in my pocket. -Jinhua Evening News
The above two examples are typical of college students' lack of financial awareness and blind consumption, and they often feel distressed because of these. In fact, if you can enhance your financial awareness, pay attention to spending money when you should spend it, and don't spend it when you shouldn't, and grasp the "degree" of consumption according to actual needs, there will be no such embarrassment and embarrassment as mentioned above. Here are some principles and skills of "throttling":
(1) smash the floor, and spend money on the blade.
Many college students with superior family conditions have long been unaware that "daily necessities" are hard to come by and have no sense of thrift. Parents' support mostly comes from them.
Their main source of income and rich "resources" at home make their consumption more casual. Blind high consumption, pursuit and blind comparison are very bad consumption phenomena. Practicality plus benefits is a reasonable principle in life consumption. Any so-called trend will not hold the whole society for a long time, and the trend consumer goods blindly pursued are often just a flash in the pan. As students, we should spend money where it should be spent, and it is a rational choice to spend money on the cutting edge. Eat well, wear durable and attractive clothes, live simply and practically, and travel economically and conveniently.
(B) consciously control their own consumption
Some students complain that they don't know how to spend all their money and how to control their expenses. At this time, we should learn to build our own "small"
Account book "is a good idea. Keeping accounts and budgeting as much as possible can effectively help you arrange your income and expenses, and also avoid confused consumption.
(C) to develop a good habit of thrift
There are many small expenses in life. A few dollars here and a few dollars there seem insignificant, but every little makes a mickle is a big number. We should learn to start with small things and gradually develop the habit of thrift. Thrift seems to be a commonplace topic, but this good habit will benefit us for life.
(D) Grasp the consumption opportunities
When you need to buy necessary clothes, you should learn to be a little "ahead of the curve". In many big shopping malls, seasonal clothes are sold at low discounts. The so-called new models are often marked with high prices when they are first listed, but when they are sold at the end of the season, the prices will be a fraction of the previous ones. Therefore, avoiding the high sales price period of merchants and learning to spend time will save you a lot of money.
(5) Rational use of bank cards
Some college students with superior family life often "make ends meet" and spend half a semester's living expenses just a few days after the start of school. At this time, parents should take appropriate measures to "restrain" students. Rational use of bank cards can relatively limit students who spend blindly. Thinking about the source of drinking water, without the head of "source", students' consumption will consciously learn to do what they can.
At present, there are four ways to help college students arrange their living expenses reasonably through bank cards. For students who have no independent life experience and may not be able to control themselves, the following measures can be discussed with their parents:
The first is to use the mother-child bank card. Specifically, parents hold the primary card, children hold the secondary card, and the primary card and the secondary card * * * use one account. Parents use the main card to deposit money, and children use the auxiliary card to withdraw money or spend money. Parents can consciously control their children's total spending at school through batch small deposits, and can also monitor their children's daily expenses through instant account amount and balance inquiry.
The second is to use the instant messaging of account information jointly launched by banks and telecommunications departments to monitor the income and expenditure of children's accounts by sending short messages. Parents can know the changes of funds in their children's accounts at any time and anywhere through mobile phones, including the upper limit of balance, the lower limit of balance, the amount of single occurrence, the accumulated amount of debit, the accumulated amount of credit, and the transaction time limit. Once an abnormal transaction occurs, it can be queried and handled in time.
The third is to make an appointment transfer through online banking. That is, the customer can set the date, amount and account of the transfer in advance at one time, and the bank will automatically handle the transfer formalities according to the customer's agreement. This can avoid the trouble of frequent counter handling.
The fourth is to limit consumption by setting up special merchants. In view of children's immature consumption psychology, banks can also consciously lock part of the amount of bank card accounts according to parents' opinions, and design this locked amount to be unable to withdraw cash, which can only be consumed by designated merchants in places closely related to learning, such as canteens, libraries, computer rooms, hospitals and campus supermarkets. To prevent irrational consumption and blind comparison. At present, some banks have mature technology in credit card consumption of special merchants such as hospitals and supermarkets, and they can handle it as long as customers need it.
Third, the goal of personal financial planning
Plan how you use your money and manage your wealth to achieve financial freedom.
Fourth, the role of personal finance.
Learn to manage money and improve the efficiency of owning, using and protecting personal wealth resources in life; Improving your wealth control can avoid excessive debt and possible bankruptcy; Improve your interpersonal relationship through planning and effective financial decision-making; By predicting the future, planning expenses and achieving personal financial goals, you have complete financial freedom.
Five, the steps of personal financial planning
The first step is to determine the current financial situation; The second step is to determine the objectives of financial management; The third step is to choose financial management methods; The fourth step is to evaluate the financial management mode; Fifth, make and implement financial planning; Step 6: Review and modify the financial plan.
For us college students, financial management knowledge is not an armchair strategist, but ubiquitous in life. After going to college, we have more money in our hands. How to make better use of limited money has become our greatest concern. At this time, we will learn a skill that runs through our lives-family financial management.
Family financial management is an economic activity to manage one's own wealth and improve the efficiency of wealth use. Financial management is also the scientific and rational operation of capital and liability assets. Generally speaking, financial management is the way to make money, save money and spend money. Financial management is financial management.
Speaking of financial management, it is a very common thing, but it is actually very learned. Family financial management is a new practical science, which is a marginal science guided by economics (pursuing the goal of maximization), based on accounting (objective and faithful records) and taking finance as a means (planning and meeting future financial needs and maintaining the balance of assets and liabilities).
Family financial management is to determine the staged life and investment goals, examine their own asset allocation and affordability, adjust asset allocation and investment structure according to experts' suggestions or their own learning, keep abreast of asset status and related information, and realize the return of family assets by effectively controlling risks.
But for college students, the core of financial management is four words: open source and reduce expenditure.
First of all, you have to get a bank card (no matter which bank is marked with UnionPay) to deposit and withdraw money regularly.
Secondly, you prepare a small personal account book, which can record all your daily expenses.
Thirdly, you should have a monthly consumption plan and divide your monthly living expenses into three parts, one for meals, one for leisure activities and one for emergencies.
If you have all these three points, you can act according to your own plan. Remember, if you have a balance this month, you can automatically flow into next month's living expenses, and accordingly you can save more money and carry it over to next month. If a virtuous circle is formed, you will find yourself with a little more venture capital after graduation.
Many people say that college is the time to get the "first bucket of gold" in life, and it is also the primary stage of independent living and independent financial management. College students are still a high-knowledge group in society. While they have "knowledge wealth", they should also have some knowledge of the market, gradually learn "financial management" in real life, and learn the skills of turning knowledge into wealth and managing wealth. The university stage is the golden age of learning to manage money. If you can develop some good financial habits and master some necessary financial common sense during this period, you can benefit for life.