It is also important for college students to learn how to manage money. The following is a personal financial planning book for college students that I have compiled for you. I hope you like it!
Personal Financial Planning for College Students 1 Major: Student ID: Name:
Financial management information
As a student, I don't ask for much money, but I ask that every penny be spent in a worthwhile place. It is particularly important to learn how to manage money now. They say you don't manage money, and money ignores you. The importance and necessity of personal finance is becoming more and more prominent in the real society. As a college student who is about to enter the society, it is imperative to do a good job in personal financial planning. The following is my personal college financial planning.
I. Basic overview:
At present, the monthly fixed income comes from the living expenses 1000 RMB given by parents, and the irregular part-time income is about RMB in 300 yuan. Personal basic information:
Name: Gender: Age: Occupation: Marital Status:
Second, the financial planning:
1. Prepare your own account book and record your monthly expenses.
2. Manage your own savings card and other vouchers, regularly check the financial situation such as the balance on the card, and know your own funds like the back of your hand.
In addition, a special savings card is set up to store the monthly balance for future investment funds.
4. Make a reasonable consumption plan regularly, what to buy, what not to buy, and try to reduce unnecessary expenses, such as snack consumption.
5. Find some part-time jobs to earn a certain living expenses without delaying your studies, and at the same time reduce the number of shopping and eating out, so as to really increase revenue and reduce expenditure.
6. End consumption on a regular basis, count the largest part of monthly expenditure and the least part of monthly expenditure, then review what should not be consumed, sum up what is done well, and compare the consumption plan made in the early stage to see if it is reasonable, so as to adjust your consumption behavior and direction.
Third, analysis and summary:
1. Judging from my daily consumption, my basic expenditure for one month is 700 yuan.
2. The cost of snacks for one month is 150 yuan, which is also within the tolerance range. If the space is compressed on snacks, the monthly balance or expenses can be more, which is feasible.
Due to my poor investment and my parents' disapproval of my investment projects in the university, the funds can't be increased. However, during my three years in college, I plan to use the monthly balance of 500 yuan to deposit it into a savings card every month, and then use this money to invest and increase my income after graduation. It is estimated that three years ***3* 12=36 months can save 36 * 500 yuan =18000 yuan; Because individuals are not familiar with investment at present, they only know that lump-sum deposit and withdrawal have the lowest risk and the lowest income. During my college years, I must learn the knowledge of investment, weigh the risks and benefits, and then make a plan.
Personal financial planning for college students 2 1 financial objectives:
1. 1 The importance of financial management:
The contradiction between limited funds and high consumption requires us to save money, so that our life can proceed steadily. While it is important to increase revenue and reduce expenditure, financial management is even more important. How much money a person can accumulate in his life largely depends not on how much money he earns, but on how he manages his money. The wealth of a lifetime is mainly accumulated by "Qian Shengqian". Learning to manage money is conducive to improving our living standards.
1.2 the feasibility of personal finance
At present, it is still in the student stage, and parents give about 1500 a month. Except for the necessary meals, the rest can be reasonably distributed according to the situation. Moreover, we have no financial burden and can take certain risks.
1.3 Personal Finance Distribution
Academic investment → savings → investment funds, stocks and other securities → necessary consumption.
1.4 personal financial goals
1. can solve their own food expenses and reduce the financial burden of parents.
2. Be able to invest some money in your hobbies and get higher development.
3. Let savings and securities investment get more funds.
During my school days, I can use the money I earn to travel where I want to go.
The basic situation of 2 people
2. 1 personal income and expenditure
2.2 Personal assets
1 Financial Plan:
3. 1 personal emergency fund
Money is the only way to manage money. The most urgent thing to do is to collect money, which can be done by snowballing. Every month, I will deposit the rest of my money in a one-year time deposit. A year later, I happen to have 12 certificates of deposit in my hand. In this way, no matter which month is in urgent need of money, you can withdraw the deposits due in that month. If you don't need money, you can transfer the due deposit together with interest and the remaining money on hand to a one-year fixed deposit. This "snowball" method of saving money ensures that financial opportunities will not be lost. When you save money, you automatically deposit it in the bank. In doing so, on the one hand, it avoids the interest loss of the overdue part that bears interest according to the current period caused by the failure to transfer it in time after maturity; On the other hand, if the interest rate is lowered shortly after the deposit expires and there is no agreement on automatic transfer, the interest will be calculated at the lowered interest rate when transferring, and at the higher interest rate before transferring.
3.2 Potential tapping
At present, I am still a college student, and I don't have a high professional ability. I only have enthusiasm, time and energy. At this time, I will dare to bear hardships. Don't quit because I'm too tired. When my value is not recognized by the society, I have to start from the bottom. I may be tired and earn less money. This is a necessary process. It is also good to experience it early.
3.3. Reasonable investment
By comprehensively applying the above methods of "increasing revenue and reducing expenditure", after a period of accumulation, you will have certain assets, and the focus of financial management will shift to investment. According to their own investment types, the assets are divided into four parts: investment funds, insurance, regular savings and current savings, and both venture capital and emergency funds are taken into account.
;