It is conducive to reducing the economic burden of families. Most college students come from peasant families or working families, so the tuition and living expenses during their studies are a heavy economic burden for their parents. Although many families are frugal and even heavily in debt, they still feel overwhelmed. Therefore, college students with poor family conditions must learn to invest and manage money as soon as possible and do everything possible to reduce the burden on their parents. Even students with excellent family conditions should learn to invest and manage money. After all, college students can't always rely on their parents' financial support, and ultimately they have to establish an independent economic foundation. Moreover, frugality is a fine tradition of our Chinese nation.

2

Conducive to improving self-management ability. Nowadays, there are more and more "moonlight clan" on university campus. If you don't manage your money, you won't know where to go. Therefore, the most effective way to deal with wasteful expenditure is bookkeeping. For example, plan the monthly expenses at the beginning of the month, such as food standards and daily necessities. Careful students can spend a few minutes before going to bed every day to record all the expenses of the day. After a month, you can clearly see which money should be spent and which money should not be spent. If we can seriously adhere to such financial management, we can not only save a lot of money that should not be spent, but also improve our planning and management ability. Of course, if you have spare money to invest, you will certainly be able to exercise your financial management ability.

three

Conducive to adapt to the law of social survival. American financial expert Kurt? Cunningham has a famous saying: "You can't develop good financial habits, even if you have a doctorate, it's hard to get rid of poverty." Although it is a painful process to develop good financial habits, these habits can make you "rich all your life". Financial experts pointed out that the university age should be the primary stage of financial management, but also the golden age of learning financial management. In college, we should cultivate the consciousness of active financial management, develop good financial habits and master the necessary financial management knowledge. The education of financial management concept should be cultivated from an early age.

The following are some suggestions for financial management of college students.

If you don't manage your money, I will ignore you. Life needs to be planned and money needs to be taken care of. Rich Dad and Poor Dad wrote that a child needs to learn three basic winning formulas if he wants to achieve career and financial success in his life: learning winning formula, career winning formula and financial winning formula. This is consistent with the meaning that many experts and scholars put forward that college students need IQ, EQ and financial quotient.

1. Actively use savings. This requires college students to allocate their expenses reasonably every month, calculate their monthly capital expenditures, set aside necessary living expenses every month, and deposit the rest of the money in the bank, preferably time deposits, on the one hand, because it can reduce a lot of random and impulsive consumption; On the other hand, many a mickle makes a mickle. Of course, the premise is not to borrow money.

2. Strive to increase income, which is the so-called "open source". In order to avoid the financial crisis, the best way is to increase income through various channels, mainly in the following ways: First, get scholarships. This is actually not difficult for a hard-working student, so it is no problem to maintain the living expenses for a period of time by scholarships, which can not only consolidate knowledge but also reduce the family burden. Why not have the best of both worlds? The second is to apply for a student loan. Because the loan interest rate for college students is more favorable than the market interest rate, it can not only reduce the burden on families, but also cultivate students' sense of independence and responsibility. There are generally two kinds of student loans in China, one is national student loans, and the other is commercial student loans. This kind of "loan" behavior of banks not only solves the problems for students with financial difficulties, but also provides more college students with "financial management" space. For college students who have the spare capacity to study and are interested in investing, many of them start businesses with loans. For students from poor families, the benefits of loans are self-evident.

3. Consciously control your own consumption, spend money appropriately and consume reasonably, which is called "throttling". Learning bookkeeping and budgeting can effectively control consumption. It is not difficult to keep accounts. As long as you have perseverance, record your daily consumption, make a simple account book, and take the time to sort it out, you can control your income and expenditure and live within your means. In this way, you can have a detailed record of the whereabouts of each fund, develop good bookkeeping habits, and make a budget for your monthly expenses to ensure that there will be no "rich people" at the beginning of the month and "negative people" at the end of the month. For college students, developing good habits of bookkeeping and budgeting can not only cultivate their reasonable consumption consciousness, but also cultivate their patience, perseverance and self-confidence. Keep an account of your consumption every month. When you find that the budget exceeds the monthly disposable amount, you should consider which money can be compressed and which money is unnecessary, and try to arrange it reasonably. For students who have no bookkeeping habits, the budget is even more important. So as long as you get into the habit of keeping accounts, you will take the first step in financial management.