How to limit your spending in college, and how should college students spend money?

Follow the students who live more simple to learn living habits, such as what they usually eat, what to wear, if you care about face, learn to be an appropriate person, occasionally eat alone once, go to the supermarket is also necessary, interpersonal relationships in college are important, but learning to be independent, learning to be lonely is also very important.

Take out a part of the money every month and transfer it to another card, and after a certain period of time, you can buy something important and meaningful, or simply save it for future living expenses.

One of the most important abilities in college is observation and learning. Choose the mode you need and learn from the strengths of others to make up for your own weaknesses. If you don't have a strong motivation to study, such as going to graduate school, such as changing your destiny, etc., then find an ideal template, and emulating it is also a kind of progress, and slowly and subtly should change some of your life.

I'm the same as you.

There is an old saying that the poor raise their children, and the rich raise their daughters.

Girls are born to be spenders.

Girls are vain. When I see what others do, I want too.

So, if you want to save a little bit, you have to get your mindset right.

Don't be vain.

As long as you're calm. You can save it.

Yes.

Now it is not good for Bai to develop the habit of spending money lavishly, first of all, you must have this awareness.

1. You should be accurate.

DAO prepares a notebook for recording your living expenses. Money is often inadvertently spent, and the amount is not very large, such a small amount is most easily overlooked. Therefore, you should develop the habit of keeping accounts every day, and every transaction should be recorded, so that it will not delay you too much.

2. Be sensible in spending money. When I see a product I like, I should resist the urge to buy it, and think about what is the use of this thing for me except liking? It is necessary to consider whether it is practical, what is the probability of using it, etc.

3. Learn to be careful. **Don't use it for small talk when you need it, and don't use it for small talk when you don't need it; There is generally a text message counter on the mobile phone, and at the beginning of each month, remember to clear the number to zero, and do not send spam text messages; Eat as much as you want, don't eat half and throw half away; If you can walk, don't take a car, if you can take a bus, don't take a taxi, and so on.

4. Don't overdo it! Don't let vanity ruin you, say you don't have money if you don't have money, don't say you have a lot of money

If you have money, you will spend more, and if you don't have money, you will spend less!

First of all, about eating. It's best to eat every meal at school. There are two reasons, first, we can't guarantee the quality of the takeaway food, if we unfortunately encounter a bad business, after eating unwell, we will pay a medical bill, it will increase the expenditure in vain. Clause.

Second, you can find a suitable canteen window with more dishes, and try to fix your expenditure for each meal. Then your money-saving plan is measurable, go to eat according to the plan, get the actual money according to the plan, this is a very effective chain.

Then, go to the supermarket less and **, unless you are spending rationally. When you go to the supermarket, you may not have thought about what to buy, but after entering the supermarket, you see beautiful sticky notes and new snacks, then you will spend money that is not planned to save money. It's the same thing when you go shopping, you were just having a good time and just looking at it, but you couldn't help but buy it after seeing a novelty gadget.

This is to say that irrational consumption should be refused.

Second, reduce the number of team building. College student team building must be AA. It's not good to have more or less people.

If the number of people is small, everyone will share more, and eating with people they don't know well may also cause food waste (in fact, it is also an indirect waste of money); There are more people, and the overall consumption is also large, and everyone has to pay a lot of money. Activities organized by the community, if you don't want to go, you can refuse without time. Don't spend money on unworthy people and Huidong, spend money where it's most necessary.

1. Four items of clothing, food, housing and transportation. Note that the first place here should be basic needs, that is, there will be no lack of clothing, cold death, lack of food and starvation, walking exhaustion, etc. Further beauty or leisure needs do not fall under this heading and should be listed separately.

2. Stationery and learning materials. The four treasures of the study such as paper, pen, ink, inkstone, etc., as well as learning necessities such as tutorial books, test questions, and utensils.

3. Expenses for advanced learning. For example, going out to attend lectures, enrolling in an extracurricular class, etc.

4. Expenditure on culture, sports and entertainment. For example, if you like to play badminton, the cost of rackets, balls, and courts. The same is true for those who like **. Watching movies also counts as this.

5. Expenditure on social and spiritual needs. Go to restaurants with friends, drink coffee, buy clothes, cosmetics, and travel. Note that the difference between him and item 4 is that the former is a personal hobby and enjoyment, while the latter involves a third party.

Of course, if you have to classify it, you can put cosmetics in the first gear, but it doesn't matter.

The cost of three meals a day, 20 in the canteen, 40 for eating outside, of course, it is estimated that it is about 30 per day, if it is slightly better, 50 per day, and then water, snacks or something is about 300 per month. In terms of transportation, it's very cheap not to go out to play, and it's very convenient for public transportation or something, 100 per month is enough for me. In college, there are a lot of club activities or something, and then there is a dinner, the normal living expenses are about 1600 per month, and occasionally because of other things, it will exceed the standard, buy some clothes or skin care products and cosmetics, and some small snacks that I usually like.

It also depends on the development level of the city, if the consumption level is high, about 1800 is better. I was in Hangzhou, and then 2000 yuan, <>

According to the individual's financial ability, it is only a matter of adapting to the person.

To give you a way to manage your money, Mr. Harvey Ike taught:

Divide your finances into six accounts.

1. Financial Freedom Rental Account (10%): The funds in the Financial Freedom Account must not be used, which is an account used to create more funds. Once it stops working, you can take it out and spend it.

2. Long-term savings account for spending (10%): used to cover your long-term expenses.

3. Education account (10%): invest to enrich yourself and enrich your mind. If you stop growing, you're dying!

4. Essential Accounts (55%): If you can't live on these 55%, then your life has to be simplified! The rich think long-term, while the poor are short-term.

5. Play account (10%): Every month, up to three months, be sure to spend all the money in the play account. In the face of such life pressure, there must be a certain release, and Liang Changyun will go to play.

6. Gift account (5%): Sincerely do charity, the world is an oak beam and a circle. To be kind to others is to be kind to yourself.

If you choose to give 10%, then transfer 5% from your essential account to this account.

As a person who has come over, in order to improve the life of eating soil during college, I also tried a lot of money-saving tips, which I will share with my friends below

1. Reduce non-rigid expenditures

If you're pretty sure you want to start a savings plan, the first thing is to save as much as possible on all the non-essential expenses. In addition to daily food, drink and daily necessities, all other consumption is listed as a priority, such as cosmetics, souvenirs, skin care products, clothes, shoes, bags, etc., and do not buy those that are not needed as much as possible.

2. Make reasonable use of student ID

Student ID cards are definitely a great way to save money, students! Train tickets, plane tickets, movie tickets, amusement parks, attractions, libraries, bookstores, KTVs, large stores, gourmet shops, etc., will regularly and irregularly launch preferential programs for students.

Take Beijing's attractions as an example: the Forbidden City, Summer Palace, Beihai, Badaling Great Wall, Gubei Water Town, Beijing Wild Animal Park, Beijing Aquarium, Beijing Science and Technology Museum and other attractions have a 5 9% discount on tickets.

So, when paying, he generously took out his student ID card from his pocket: "Hello, I'm a student, can I get a discount?" ”

3. Buy books reasonably

If you want to buy the books you need in your course or course as much as possible, or if the bookstore on campus has a discount, you can compare them before deciding to buy them.

For other types of books, you can try this book selection process: make a book list - try it first - shop around - coupons and book purchase timing.

Don't stock up on books, but buy them in a planned way. Make your own book list, which will save you an unnecessary expense, and it is recommended to use Evernote, Douban Reading or Memo to keep track of the book list you want to read.

To avoid the embarrassment of not reading a book, before choosing a book, you can try to read an e-book or listen to a book that is sleepy for an old man, and after understanding, you feel that it is worth buying and then buying a paper book. This point is out of school