For most college students, the amount of money we can invest during our study is actually very small, so the most important thing is not how much money we earn and how high the rate of return is, but to establish a correct view of money and financial management as soon as possible, which is more valuable. The following is how to manage money and save money for college students prepared by Bian Xiao! I hope reading is helpful to everyone!

How do college students manage their finances reasonably?

First, don't borrow money to spend. 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 they are not careful, they can easily fall into a trap. Some people are even forced to borrow campus loans, which are profitable and ultimately inseparable. The reason may be simple. They want to change a computer or buy a new mobile phone.

Second, it is not the primary purpose and significance for college students to take part-time jobs appropriately to increase their income and learn to save. Mainly to accumulate social experience, understand the real situation of the industry, and prepare for your future career choice. At the same time, when you make money, you can realize that money is hard to come by, spend more rationally and carefully, and save more easily.

Third, read more books, learn financial knowledge and develop good financial habits. During college, we must seize the opportunity, read more books and study more. The best investment when we are young is our own brain. In addition, develop a good financial habit, such as bookkeeping, financial planning and so on.

Fourth, start with stable and low-risk products. It is not recommended to get in touch with high-risk investment at the beginning. After earning a lot of money, it is easy to float, feel particularly powerful, and then it is easy to suffer big losses. I lost a lot from the beginning because I was afraid to continue to contact investment.

How do college students manage their finances?

First, the scope of financial management is very wide. It is not only the kind of wealth management products that banks started with 50 thousand, but also funds, bonds and stocks.

Second, because college students have no financial resources and less disposable funds, the purchase of financial management funds is restricted. So you can buy some financial management with low starting point and flexible withdrawal. For example: money funds, bond funds, etc. Now almost all college students have Alipay and WeChat. Putting the living expenses in Yu 'ebao means buying a money fund.

Third, college students with risk tolerance can make fixed investment in the fund. For example, there is no pressure for college students to invest in 50 yuan every week, so one month is equivalent to saving 200 yuan, and the principal after graduation is 9600 yuan.

How do college students manage money and save money? Financial planning for college students:

1. Make a storage plan for yourself, and save part of the pocket money given by your parents at regular intervals every month without affecting your daily expenses.

2. Work-study programs can take part in more social practice activities, such as playing temporary jobs, which can earn extra income and increase your social experience.

3. Buy wealth management products and recommend p2p wealth management. Annualized income 10%- 18%. There will be a lot of income after four years of college.

Don't spend money you shouldn't spend, so there will be more and more money in your small vault.

5. Simply calculate, the monthly deposit in 200 yuan is 2,400 yuan a year and 9,600 yuan for four years, and the wealth management income has exceeded 10,000, forming a good financial management habit.

How do college students manage money and save money

(1) Don't buy financial products, such as funds, because funds are long-term financial management methods, and it is not recommended to touch them without financial management foundation. In addition, if the living expenses are only enough to survive, don't think about wealth management products. Don't be confused by luxury goods, because the overall situation of college students buying luxury goods is more serious now, such as girls buying lipstick and boys buying shoes. Don't buy it if it's not a necessity, and consume it rationally. Bookkeeping is a good way to manage money. You can try to record every expenditure and see the necessary consumption, unnecessary consumption and excess situation every month. 4 You can do a part-time job to improve the situation, preferably near the school, including meals, regardless of the round-trip fare and lunch money.

1000- 1500 general living expenses suggestions: ① financial management, generally speaking, is to choose a fund. It is suggested that you can take out 200-500 to try, and you can read more or know more about the industry you want to know in the discussion area of the fund before making a choice. 2 It is also rational consumption, except for basic consumption, everything else is controlled within the deduction range of wealth management money. (3) Campus entrepreneurship, you can also spend 200-500 yuan to open a campus dormitory online shop. The advantage of making a snack shop is that 200-500 snacks don't occupy much space. Dormitory shops don't need physical stores, so they can place orders online.

Suggestions for living expenses above 1500: ① You can also choose fund financing, and the amount can be controlled at 800- 1000. You should also know more about the fund before you try. 2 Campus entrepreneurship can choose to cover a larger scale. For example, an online shop can expand three buildings from one building. Recommended items are: snack shop, snack box, campus takeaway stationmaster and so on. (3) Setting aside a part of living expenses for skills upgrading will be of great benefit to your future. For example, you can learn dance, musical instruments, ps, operate small sweet potatoes, short videos and so on.

College students' financial management and savings methods: the foundation is fixed, saving time and effort.

"Fixed fund investment" is a long-term investment method in which the time and amount of monthly deduction are agreed, and the bank automatically completes the deduction and fund subscription from the designated fund account on the agreed date of each month. For most students who have no time to study the market, "fund investment" can be said to be a time-saving and labor-saving investment method. Professional statistics show that as long as the investment exceeds 10 years, the probability of loss of "fixed fund investment" is almost zero. Moreover, compared with investing in stocks or buying funds at one time, this way of "deducting money to buy funds every month" can unconsciously save a fixed sum of money, so that students can find that there are still many savings after three to five years.