College students are generally casual and have no plans. I suggest you make a consumption plan and strictly follow it, buy what you really need and avoid unnecessary expenses.

2. Free resources can be used well.

Many people say that universities are the poorest time, but universities are also the time with the most free resources. Take the popular knowledge payment as an example. Many universities provide students with HowNet accounts, and it costs no money to find information. School libraries and electronic reading rooms are also rare resources. Don't think these are useless. Investing in yourself is the best financial investment.

3. Conduct second-hand transactions

Nowadays, many universities regularly organize second-hand trading activities, usually in the graduation season, in order to optimize the allocation of idle resources. On the one hand, college students can sell their idle goods, so that they can get a sum of money after depreciation and avoid waste; On the other hand, we can get what we need from them at a relatively low cost, thus saving money. Thrift is a virtue, different from meanness.

4. Internship/part-time job, with living allowance.

Many college students try their best to practice or take part-time jobs at school, such as tutors, waiters, shopping guides and tutors. These are all things that college students can consider. In this way, you can not only get the corresponding remuneration, but also accumulate work experience and increase your knowledge, which is also helpful for finding a job in the future.

Some suggestions on financial investment of college students

1. Determine your demand for wealth management products.

Generally speaking, college students have low risk tolerance, little idle funds, lack of financial management experience and are easily deceived; Therefore, financial products suitable for college students should have the following characteristics: low risk, low investment threshold and reliable platform.

2. Buy index funds

Fund is a favorite financial management method for many people, and qualified college students can try to buy funds. There are many types of funds, and you can choose index funds. Buffett has repeatedly recommended fixed investment index funds.

Benefits of investing in index funds:

1. Start investing without much money.

Fixed investment is a bit like a bank's zero deposit and lump sum withdrawal. We don't need a lot of money to start. A lot of funds are 10 yuan, and 100 yuan can start the investment, which will lengthen the time and gradually accumulate. A friend told me that if it weren't for the fixed investment, I would still be in the moonlight and I couldn't save any money at all, so the fixed investment also has the function of compulsory savings.

2. Buy in batches and share the expenses equally

Spring has come and strawberries are ripe. If we have 50 yuan money to buy strawberries, the market price is 10 yuan a catty. If we buy it at one time, we can buy 5 kilograms. If you buy in bulk and the price is per catty 10 yuan, you will buy 2 jins and spend 20 yuan. Later, the strawberry was reduced to 5 kg, and we bought 6 kg at 30 yuan. Through bulk purchase, I bought 7 kg for 50 yuan, and the cost was more than 7 yuan. As long as the price of strawberries rises above 7 yuan, we can sell them to make money. This is the effect of sharing the cost several times.

3. No need to choose time, saving time and brain.

If you buy at one time, you have a high demand for timing, and you must buy low and sell high to make a profit, while the fixed investment does not have much demand for timing. Even if you buy at the highest point, you will get good returns as long as you insist on fixed investment. Of course, it would be better if you can buy at a relatively low position, and the yield will increase a lot. Moreover, automatic fixed investment can be set up outside the venue, and automatic deduction at that time is particularly labor-saving.

Sit down and enjoy compound interest.

As we all know, compound interest is the eighth wonder in the world, and time+compound interest will have unexpected effects. Then, where does the compound interest of the fixed investment come from? There are three main ways to compound interest: buy low and sell high, reinvest dividends and compound interest, and reinvest company profits.

5. Buying an index means buying national wealth.

Long-term rise of index funds, long live. As long as the country is developing and the index is rising, we can make money by investing in index funds.

Don't feel that financial management is far away from you. In fact, it has penetrated into every aspect of our lives. The university period is the key period of financial management, and it is also the most prone to watershed.

If you don't have enough money and ability, start from your daily life and improve yourself; If conditions permit, it is good to know more about fund stocks. How should college students manage their finances? The relevant contents of financial advice for college students are here today, hoping to help you. Bian Xiao will continue to update more wealth management and investment-related content.