During my college years, my mother will give me 1200 living expenses every month. Generally, when I get this money, I will leave the necessary expenses for this month for the first time, about 800 yuan (many people will definitely not believe it, how can I spend 800 yuan a month? I'll talk about it in detail later), and the remaining 400 will be deposited in my special savings card. I didn't bind my mobile phone to this card in case I couldn't help spending money. I didn't bind any shopping software, which cut off my desire to spend money from the root. I can save 400 a month and 4800 a year, which really adds up.
Why do I only spend 800 yuan a month, and sometimes I even have some left? The main reason is that I don't order takeout or buy cosmetics online. Basically, they are all eaten in the school cafeteria, and a meal is only seven or eight yuan. At the end of the day, the grain does not exceed 25, and the material desire is relatively low. In this regard, I suggest that college students can reduce some unnecessary expenses, such as ordering milk tea and buying coffee. Personally, I think these are not necessities, but belong to the scope of consumption. If you want to save money, you must give up some desires.
Secondly, I will do some part-time jobs in some spare time and winter and summer vacations. In the previous summer vacation, I worked as a waiter in a western restaurant. At that time, my salary was 3000 yuan a month. I worked for two months and earned 6000 yuan. I saved all the 6000 yuan in my bank card. What I want to say is that in order to force savings, apart from reducing expenses, we must learn to open up sources.
When the amount of my card dedicated to saving money exceeds 5000, I will go directly to the bank for a fixed term. In fact, 5000 is a relatively small interest, and many people will ask me why I don't put Yu 'ebao in. Personally, I think it is easy to spend and not easy to control in the unconscious state.
Besides, I have a habit of keeping accounts. Although there is not much money at school, I still feel the need for scientific control. Bookkeeping can help me analyze the consumption situation of this month very clearly at the end of the month, and then judge which ones should be spent and which ones can be saved from the books. It is not stingy to take less taxis, buy less cups of milk tea and go to KTV. It is suggested that you can develop a good habit of keeping accounts.
To talk about the benefits of compulsory savings to college students, I think we can cultivate our financial management ability in advance before leaving the society, so that after we have our own income in the society, we can better manage our own funds and have more experience.