1, don't borrow money for consumption. There are many kinds of loans for college students in the market now. It is not recommended for college students to borrow money to spend, especially by stages, because as college students, they have no fixed income at this time and their ability to resist risks is very poor. If you are not careful, you will easily fall into the trap. Even some people were forced to borrow campus loans, and eventually they couldn't get out. Maybe the reason is just to change a computer.
2. Take a part-time job appropriately, increase income, learn to save, and college students take a part-time job appropriately. Making money is not the primary purpose and significance. It is mainly to accumulate social experience, understand the real status quo of the industry, and prepare for their future career choices. At the same time, when making money, they can realize that money is hard-won and spend it more rationally and cautiously. It is also easier to save money.
3. Read more books, learn financial knowledge and develop good financial habits. During college, we must seize the opportunity, read more books and study more. When you are young, the best investment is your brain. In addition, develop better financial habits, bookkeeping, financial planning and so on.
Financial planning for college students
1, frugal. At present, many college students are far from being economically independent and have no stable source of income. The demand for funds is mainly to meet their own needs.
From this point of view, the financial principles that college students should follow should be thrift and prudent financial management. In terms of expenditure, we should strictly manage, not compare with others, not be vain, form the precious quality of thrift, and accumulate net assets more effectively at the same time. College students should be rational in investing and managing money, and don't blindly follow suit. If you have idle funds, you can learn to invest appropriately, but you must pay attention to risks.
2. Use credit cards carefully. In the financial industry, the use of credit cards is actually quite controversial, especially for college students. The problem with credit cards is that they tend to encourage people to spend, even bad consumption habits. Limited by the repayment ability, once the credit card debt cannot be repaid, it will definitely affect the study and life, and even cause economic pressure to the parents of students.
3. Know how to manage money. Some college students are eager to try investing during their school days, hoping to accumulate financial knowledge as soon as possible and help them profit from investment in the future. This starting point is good, but we must make full preparations before investing. The first thing is to know and understand investment tools.