How important is it for college students to save money after graduation? Come and have a look with me.
1
I believe that many college students will find many novel and interesting things when they first enter the university, and they are relatively more free in time and space. At least, their behavior is no longer bound by their parents and they can do whatever they want.
After all, everyone has just made the transition from the restrictive senior three to the university, so some college students are drifting away. At the same time, because the monthly living expenses of college students are mostly given by their parents, students have a fixed "salary" during their college years and may gradually "indulge" themselves. Specific to life, it is reflected in: often going out to eat and play with classmates and friends, impulsive consumption when encountering online shopping activities, and placing orders immediately when seeing some videos or live broadcasts ... Slowly, they will find that their consumption quota on flower beds is increasing.
2
This phenomenon is actually very common, but this is not what this article is going to criticize. I just want to remind this kind of college students of a very important thing, that is, during college, if you want to plan the future development direction in advance, you'd better save more money in all aspects. In fact, from the seemingly insignificant living expenses, it is also possible to save the "first bucket of gold."
For example, my college living expenses are not much, 1000 or so. After all, I only go to college in a northern capital city, so my living expenses are low. In fact, I seldom go out to eat with my classmates, because other classmates don't like the taste of restaurants and often want to change their tastes, so I often go out to eat, but I'm not picky about food, and I basically eat in restaurants on campus ... So, I can basically save 200-300 yuan a month, only occasionally overspend for a few months ... It can be counted that I can save a small sum of money every year after four years of college. At least like me, if I persist for a few years, I can be regarded as a person with at least four-digit deposits. In the second half of college, the living expenses rose to around 1200 yuan, and I also had some savings.
But there are always people who dismiss it as small money and spend it several times. But this money is really important, and sometimes it can even change the trajectory of your future life.
Because sometimes, because of different ideas, students and parents have different views on exams or jobs. At this time, if they don't have any disposable expenses, they will be easily controlled by their parents, because parents can cut off your living expenses at any time, and some people may even be unable to choose their own life path because of this situation, and they can only regret it when recalling the past.
three
Take the postgraduate entrance examination as an example. For example, some students want to prepare for the postgraduate entrance examination full-time. Students may think that their development prospects will be better after being admitted to graduate school, but their families may not support them because of economic conditions or out of an urgent desire for their children to go out and earn money to support their families. In addition, they may try their best to persuade their children to find a job first. After all, parents sometimes believe that part-time postgraduate entrance examination is better.
But at this time, parents will not realize how difficult it is for us to take the postgraduate entrance examination in this environment. Competitors are studying and reviewing all day. Although there is a probability of success in part-time postgraduate entrance examination, it is indeed a great probability compared with people who study every day. Moreover, after work, what they want to do more after work every day is to relax and have no more time and energy to study.
Then at this time, this so-called "small money" can play a role temporarily. For example, after graduation, you can rent a bed at school to continue preparing for the exam; For example, take this money to sign up for a remedial class or an online class to facilitate your own study ... In short, this money can temporarily alleviate your urgent needs and prevent you from falling into a passive position.
four
Since it is suggested to save more money during college, does it mean that college students should often find part-time jobs? The answer is not necessarily. If it is a part-time job that is helpful to your future work experience, then you can try it; However, it is best not to do some repetitive and low-tech part-time jobs, which is not conducive to your promotion after all.
Generally speaking, "money is not everything, but you can't do anything without it." As a college student, saving money in advance is also a way out for yourself, at least when recalling the past, I won't regret my choice. Of course, saving money doesn't mean giving up your present life. In fact, you can save a lot of money by summing up what you bought on impulse and reducing unnecessary expenses.
(Welcome to discuss in the comment area, and thank you for your attention and support ~ ~ [Warm Heart] [Dog Head])
How important it is for college students to save money after graduation;
This is how fresh graduates should save money.
Should fresh graduates save money or spend money? Nowadays, young people seem to be struggling with this problem, but the bank information port believes that there is no such contradiction between saving money and spending money, which can be solved in coordination. Saving money can be saved. Try to have a small deposit in your hand. This is the best. If you spend money, you should also spend it reasonably and spend it wisely. This is the best. So how to save money?
First, how to save money
1. Rational planning
Young people who have just worked have no plans to spend money. They often spend all their money after a month, but they don't know where it went. It is suggested that the subject divide his income into blocks, such as spending one-third of his monthly living expenses, buying one-third of his favorite things and saving the rest. Especially for the third time, the topic owner had better save it regularly, which is a good way to prevent himself from using it.
be economical
Nowadays, young people spend a lot on impulse and like to catch up with the new. The subject can visit shopping platforms such as Taobao and Vipshop less, reduce the possibility of impulsive consumption, and even uninstall the APP directly, and use a computer to make a quick decision if necessary. There is also a high incidence of impulsive consumption, which is electronic products. Now the popularity of iPhone, domestic mobile phones of various brands come out quickly, and young people change electronic products frequently. The subject can think carefully about whether it is really necessary to update electronic products frequently.
Work hard to make money
Bank information port has never heard of anyone making a fortune by saving money. In addition to cutting costs, we also need to open up sources. The subject needs to work harder, study work skills hard, and strive for promotion and salary increase is the most important thing at present.
Second, how to spend money
1. Only spend the necessary money.
As I said before, impulsive consumption is a big killer of deposits. The subject can always remind himself not to spend impulsively, and think about whether it is necessary to spend the money and whether it is worth it. Over time, habits can be formed and impulse consumption will be less and less.
Spend money reasonably
Spend money reasonably, and spend it as you want. In addition to living expenses, the Bank Information Port believes that the project also needs an important expenditure, that is, investment in itself. In fact, from another angle, investing in yourself is equivalent to saving money in another way, and you can get more income in the future. You can sign up for a class for your subject, such as English, minority languages and other languages, or learn professional knowledge and skills, improve your professional ability and do more research. In short, spend all your money on improving yourself. To tell the truth, investing in yourself is more cost-effective than putting money in the bank. If you don't want to report to the class for textual research, you must also read more books. Gorky said that books are the ladder of human progress. If you want to develop better, you must not forget to keep learning.
Bank information port
For more exciting information, please visit the financial website (www.jrj.com.cn).