The first step is to make a good consumption plan and control unnecessary consumption. Controlling unnecessary consumption is the first step in financial management. The living expenses of the new semester should first be used to buy daily necessities; Recharge the meal card, water card and bath card on campus; And purchase teaching materials and school supplies, and then consider other expenses. In addition, it is necessary to appropriately reduce classmates' gatherings and control unnecessary expenses.

The second step is to handle credit cards carefully to avoid leaving credit stains. During the beginning of the university, many banks will set up credit card processing points on the university campus and send gifts with credit cards to attract students. Remind college students not to be tempted by gifts and handle credit cards carefully. You should know that credit cards are related to personal credit interests. If the credit card is not repaid in time, it will leave a credit stain, which will affect individuals buying a house and a car in the future. If you have used a credit card, remember to pay it off in time every month.

The third step, if you have money, learn to create some small income in addition to some necessary consumption needed in daily life. If college students have money, I suggest learning to create some small income appropriately. For example, a few thousand yuan, you can choose to deposit money into Internet financial products such as Yu 'ebao, with an annualized rate of return of about 4.5%. Funds can be used at will, which is more cost-effective than the duration, and can also be used for online shopping and buying some cheap daily necessities. About 50 thousand yuan, you can choose short-term bank wealth management products, with an annualized rate of return of about 5%, and the income is higher than that of internet financial wealth management products; About 654.38+ 10,000 yuan, you can choose short-term fixed wealth management products.