1, learn to keep accounts

The first step of saving money: bookkeeping. Bookkeeping can not only cultivate the habit of managing personal consumption income and expenditure, but also avoid a lot of impulsive consumption and make people more self-disciplined. About bookkeeping, the most important thing to share is to find a comfortable and convenient bookkeeping method that suits you. Bookkeeping APP recommendation: bookkeeping duck, TIMi bookkeeping, mint bookkeeping, etc.

The most important step in bookkeeping: summary. Everyone must treat bookkeeping as seriously as they treat wrong problem sets, so as to analyze their consumption habits that need to be improved ~ Remember: one small step in bookkeeping saves a big step.

Step 2 use a student id card

Flexible use of student ID cards is a good way to save money! Whether shopping or entertainment, we should let the student ID card play its greatest role. Of course, this is not to encourage you to spend, but to save money with discounts when you really need to shop.

When you want to buy new clothes in the season, see if there is a student discount. Eating out, many dishes can be discounted with student ID cards, and there are many cheap student meals ~ and many cinemas, scenic spots and museums can enjoy special preferential prices. So students can take their student ID cards with them when they go out to play, which may save you some money.

Step 3 make a shopping list

Many times, you don't buy because you need it, but you feel that you have the desire to buy right away, so make a good shopping list before shopping, consume reasonably, and never buy unnecessary goods. Ask yourself before shopping: Do I really need this thing? Why did I buy it? Do I already have something similar? Or you can put it down for a few days and see if you still want it? Maybe after listing, cross out the unused ones in a few days. It is also a way to save money!

4. Set up a shopping fund

Make a budget plan at the beginning of each month, as the saying goes, "If you don't have enough to eat and wear, you will be poor without a plan", so it is necessary to make a budget well, because it can make your expenditure more rational and practical.

Divide the living expenses into several parts, such as shopping, food, clothing, beauty, study fund and so on. Set a fixed shopping fee every month and always remind yourself how much is left. If you want to buy something more expensive, save it from the shopping fund, set a shopping goal and work towards it. Make good use of every penny of shopping, plan ahead, avoid impulsive consumption, and find places where you can save money.

5. learn to choose.

We can't take everything on the shelf home. Don't think we are Tony Stark. When you enter the mall, you must always remind yourself to pay attention to your choice. What you want to buy is necessary, not the most expensive.

For example, students' clothes are best divided into four categories-spring, summer, winter and normal. Spring clothes and autumn clothes are fine. Daily category refers to socks and underwear that will be worn all year round. Generally speaking, winter clothes and spring and autumn clothes can be worn for several years at a time, and there is no need to buy them every year. It is enough to buy one or two sets of summer clothes a year, and daily clothes several times a year (but it is recommended to buy them once a year, and buy more pieces at a time when shopping malls promote sales). Don't buy a lot of clothes at ordinary times.

6. Try to avoid group consumption.

Try to avoid group consumption. If you want to go shopping, you'd better not have more than three people. The more people, the more money you spend. Originally, they only planned to buy one dress, but as a result, a friend or classmate's "staff officer" turned one into N pieces, far exceeding the budget. And these clothes are not necessarily what you need most now, which is beyond your expectation. Moreover, go out with friends, eat, drink coffee, watch movies and so on. Sometimes you come and go and you spend a lot of money.

Write at the end:

Financial management is definitely more important than saving money. Throttling is of course important, but open source is the key. I didn't know until after work that it was really difficult to make money and it was really easy to spend money. You can usually read some books on financial management, such as Little Arrested Qian Qian, Legendary Super Grandma, Rich Dad and Poor Dad, Smart Investor, Investment is the Most Important, and so on.

In addition, if you feel that you have the ability to balance your study and spare time, you can find some part-time jobs, such as tutor, network part-time job and skill part-time job (PS, PPT, photography). Don't live up to this ability to make money.