2. Establish a scientific concept of consumption. The scientific consumption view not only shows that you dare to spend money, but also shows that you will spend money, which is a rational unity of daring to spend money. In the practice of consumption, it is not difficult to dare to spend money, but it is difficult to dare to spend money and know how to spend it, which is exactly what young students with little life experience lack. They often lack the impulse to consume, but the rationality and calculation in consumption, so they tend to bite off more than one can chew, blindly follow the tide, waste money without reason, which shows their lack of knowledge and ability in financial management. Therefore, we should attach importance to the cultivation of college students' basic financial management skills and let them establish scientific values and consumption views.
3. Form a good consumption pattern. We should guide college students to establish a healthy and civilized consumption lifestyle. First of all, we should guide them to give full play to the maximum benefit of every penny according to the objective reality, and make careful calculations, do what they can, make overall plans and make reasonable plans. College students can decompose their consumption desires according to their own economic reality. On the one hand, they can decompose their consumption expectations into short-term, short-term and long-term goals. On the other hand, they can subdivide their consumption quota: how much they spend on life, how much they spend on study, and how much they spend on culture and entertainment, and roughly determine a quota to ensure the actual needs of study and life. Secondly, coordinate the relationship between material consumption and spiritual consumption. College students are in the period of absorbing scientific and cultural knowledge. Their most important task is to study, and spiritual and cultural consumption accounts for a large proportion, such as buying extracurricular books. At the same time, we should ensure the needs of life and expand the expenditure of knowledge. When you still have economic spare capacity, consider other material consumption and cultural and entertainment expenses. Therefore, according to the actual situation of life, study, culture and entertainment, college students should define the consumption standards, do what they can, spend moderately, do not increase the family burden, and develop a good consumption pattern.
4. Enhance the sense of independence, and cultivate and strengthen the financial management ability. Nowadays, college students need to know how to survive in a fiercely competitive society, so the ability of independent financial management becomes the most important. Financial management is not a simple four operations, nor is it a simple balance of payments. Need a long-term rational foundation. Individual's blind impulse is not independence, but willfulness. We need not only independent concepts in our minds, but also independent actions and rational thinking. It mainly includes two aspects: first, the ability to correctly understand money and its laws; Second, the ability to correctly use money and monetary laws.