How do college students manage their living expenses? 1 Make a budget.
Let's take a look at the list of college students' living expenses (average level):
1. Daily fee
① Food expenses: breakfast 1.5 ~ 3 yuan, lunch 3 ~ 6 yuan, dinner 3 ~ 6 yuan, plus occasional midnight snack or improvement of food, generally about 300 ~ 450 yuan per month.
② Communication fee: Nowadays, mobile phones have become a must-have item for students, ranging from 30 to 50 yuan.
③ Daily expenses: soap (shower gel), shampoo, washing powder and paper towels, with an average of about 20 yuan per month. Girls also have facial cleanser.
④ Transportation fee: 20 yuan.
⑤ Books and school supplies: 50 yuan.
It's about 350 ~ 550 yuan.
2. Other expenses
① Clothing expenses: clothes, shoes, etc. Most students will buy it once or twice a semester, probably around 300 yuan, with an average of 60 yuan every month.
(2) Communication expenses: The university often has dinners, or people invite you back (naturally, you have to go back), or everyone adopts AA system, which is in the canteen or small restaurant around the school, and the price is not very expensive, with an average of around 30 yuan every month.
The total is about 100 yuan.
It can be seen that 400 ~ 600 yuan per month can meet the needs, and a semester is calculated as 5 months, and each semester costs 2,500 ~ 3,000 yuan. On the basis of this expense list, freshmen can make appropriate changes and supplements according to their personal needs (for example, girls need nursing supplies and boys may need to add the cost of sports equipment) and make their own consumption plans.
Do a good job of settlement
If you have a budget, you have to settle it. Take notes when spending money. You can keep bills, shopping receipts and other expenses. You can also use a special' small account book' to record each expense, so that it can be settled accurately at the end of the month.
There are two aspects to reconciliation. First, count the total expenditure of this month to see whether it is overspent or surplus, and then compare it with the consumption plan to see which overspent and which saved; The second is to calculate the percentage of various expenses to the total expenses to see if the consumption is reasonable. The expenditure on meals, necessary daily necessities and books accounts for more than 70% of the total expenditure, which is a reasonable consumption ratio.
Freshmen should adjust their consumption plans for next month according to the settlement results.
Smart consumption strategy
Spending money is also a science, and a clever penny can be turned into two points.
1. Promotion. Shopping malls and specialty stores will have promotional activities every important festival, especially computers, cameras, MP3 and other valuables. At this time, the prices will be much more favorable than usual, and gifts are often attached.
2. Seasonal shopping. Clothing products will be sold at low prices when the seasons change. If you want to buy something with good quality and low price, you must grasp this "transition time". There are many specialty store brands that students like. The only fly in the ointment is that the clothes you bought can't be worn until next year.
3. Online shopping. Online shopping is a popular shopping method at present. Because there is no need for store rent, employee salary and other expenses, the price of goods is often lower than the market price, which is also the main reason why people choose it. However, online shopping has certain risks, so we should look for websites and online stores with high integrity and good reputation.
4. group purchase. Some daily necessities, such as soap and washing powder. , it will be more cost-effective, and students in the dormitory can discuss it together.
How to manage college students' living expenses 2 1 Make a good consumption plan.
First of all, recharge the meal card, hot water card and mobile phone bill on campus; Secondly, determine the cost of purchasing daily necessities; Then, set aside the cost of purchasing teaching materials and school supplies; Finally, after these expenses are determined, other consumption will be arranged.
2. Establish a correct concept of consumption.
Instead of caring about the level of living expenses, it is better to establish a correct consumption concept through the control of college living expenses. Students with low living expenses can plan the proportion of expenses and expenses in advance; If the cost of living is high, you can use some extra money in key places.
3. Develop a good habit of keeping accounts
If you can develop the good habit of keeping accounts and write down your monthly expenses, it will help control unnecessary consumption. If you don't want moonlight, you must manage your wallet.
4. University drop-out loan
College students should fully understand the hidden dangers and risks of bad online lending, enhance their awareness of financial risk prevention, and try not to borrow and shop on online lending platforms and installment shopping platforms, because interest and liquidated damages are high, and develop excellent qualities of hard work, simplicity and diligence; We should actively learn about finance and network security and stay away from bad online loans.