How can college students save money in a planned way?

How to save money for college students.

1.Try not to put money in WeChat, Alipay, which are commonly used for daily payment. Many friends may say that there are benefits from Yue Bao and Change Pass (in fact, the income of Alipay is very low now).

The main reason is that you usually pay and find that you have saved so much money, and you will not feel distressed when you spend some of it, and you will unconsciously increase the amount of consumption.

2.Get a new savings card and put money into it regularly every month. Everyone can save it according to their own situation (for example, every time the author gets a salary, he will deposit 60% of it, and he can also set up an automatic rollover of his monthly salary) (tell himself that the money in this card can never be used without special circumstances.)

3.Try not to use Huabei to avoid accumulating new debt. The money in Huahuabei doesn't seem to be your own money, but when you pay it back, you find that you have saved a lot, and you pay back the money when you cut the meat.

I think Jack Ma's father is too clever in this method, making everyone spend their own money as if they were spending someone else's money. Therefore, everyone should try not to use Huabei to consume ahead of time to avoid accumulating new debts.

4.Set reasonable savings goals. For example, if you save money to buy a car every year, you need to plan how much you want to save each month and monitor your progress regularly.

It is emphasized here that there must be a timetable for the goals set, such as buying a car after a few years of saving, not to mention buying a car slowly, and saving enough to buy again.

5.Have a reasonable budget for your income. Allocate income reasonably in advance. A fixed portion of the income is allocated to all major expenses, as well as previously set goals, which helps us not waste money unplanned.

6.Accounting. Nowadays, there are a lot of bookkeeping software, which is very convenient.

Bookkeeping makes it possible to track where our various expenditures are going. At the beginning, it is recommended that you record some slightly larger major expenses, such as buying a bottle of mineral water on a daily basis, such as small expenses can be temporarily ignored, and then you will involuntarily pay careful attention to the details. It is best to keep statistics at least once a month, have an understanding of your expenses, and you can also reflect on adjusting the proportion of money you have saved.

7.The best time to save money is not "when you have money", but now! How much income you have at the moment is based on your own situation and start implementing it

1.Set a daily quota.

You can set it flexibly according to your own living expenses, my monthly living expenses are 1500, I will take out 1000 to set the limit, and save 500 per month. I set a quota of 20, 30, and 50 for 10 days each, and draw the quota for the day every day.

2.Expenditures are recorded daily to the "small purse".

The small wallet is a virtual concept, for example, today's quota of 30R costs 18R, then there is 12R in the small wallet, if the next day's quota of 20R costs 23R, then the small wallet becomes 9R, and so on. The money in the small purse is at your disposal, and it will be cleared at the end of the month. Whether it's milk tea, snacks, or anything flashy, you can buy whatever you like.

Of course, you can also save money in a small purse.

3.Set up a penalty mechanism.

If the money in the purse is negative, that is, the money spent is exceeded, the penalty is 1 yuan for every 10 yuan exceeded, and less than 10 yuan is regarded as 10 yuan. This is a way to restrain your desire to consume a little, calm down and think about whether you need it? Do you want it now?

What do you get when you have it? Usually after thinking about it like this, my desire to buy has been reduced by more than half, if I really need it, then buy it! But this consumes your own confidence in yourself, so you must "pay off the debt" as soon as possible after the small purse is in debt.

I would like to say that as a child, although it is natural to spend your parents' money, and parents have no regrets - but every penny spent is not the money earned by their own labor, and I hope that young friends will weigh up a little bit of what their parents have done for us. Forcing yourself to save 50 or 100 yuan a month is not how much money you save when you graduate, but what matters is that you save a habit for your future that may last a lifetime! We will find that the richer people are, the more they will pick on the door - they will be brave enough to spend a lot of money, but they will not be extravagant in life.

There is a kind of person called "poor and generous". Specific methods: **Regular investment saves time and effort, and adds up to a lot"**Regular investment" is a long-term investment method that agrees on the monthly deduction time and deduction amount, and the bank automatically completes the deduction and **subscription from the designated fund account on the agreed date of each month.

Forced Savings Learn to Forced SavingsFor college students who lack financial management experience, compulsory savings is one of the most effective ways to manage money, which can help people who love to spend money to get rid of bad spending habits, and at the same time accumulate a considerable amount of money. The purpose of financial planning is to achieve a balance between future expenses and income through a variety of investment operations, so it is particularly important to make financial plans for the next five years, ten years or even further during college. Avoid spending blindly.

Income trichotomy.

After the monthly income is in hand, don't rush to spend it, first divide them roughly into 3 parts, of which:

Living expenses: necessary expenses such as rent, water and electricity, communications, firewood, rice, oil and salt, etc., no matter what, it is necessary to ensure that this part is not used passively.

Savings: Keep it in the bank and use it as little as possible when you don't have special expenses.

Activity funds: The remaining part of the money can be used more freely according to your current life goals, such as traveling, shopping, partying, etc., or going to Shengjie to make investments, so that your funds can appreciate!

Savings "60 Certificate of Deposit Method".

1.Ordinary version of the 60 certificate of deposit method: (5 years into the cycle).

Deposit a 5-year fixed deposit every month, and set an agreement to roll over after 5 years, and after 5 years, 60 certificates of deposit will enter the cycle.

2.Quick version of the 60 certificate of deposit method: (3 years into the cycle).

The first year: deposit for 2 years, 3 years, and 5 years every month, deposit one order each, and complete 36 out of 60 orders.

The second year: save for 3 years and 5 years every month, save one single each, and complete 24 out of 60 orders.

Year 3: Start the cycle, the maturity of each month will be converted into a 5-year term, and from the third year onwards, there will be a deposit due every month.

3.Speed 60 certificate of deposit method: (1 year into the cycle).

The first year: deposit 5 certificates per month, respectively 1 year, 2 years, 2 years, 3 years, 5 years, and complete 60 certificates of deposit tasks in a year.

Year 2: Carry-over and revolving at maturity from the second year. After the second 2-year term expires, it is converted to a 2-year term here, then matures, and then to 5 years.

From the second year onwards, there are deposits due every month.

1. Take out a fixed amount of money every month and save it, 100 or 50, and have a planned expense for buying things, 2. Refuse to use software that borrows money, so you really can't control yourself.

3. Save as much as you have left over each month, and force yourself not to spend it.

Everyone's consumption concept is different, the place is different, and the consumption is definitely different, so choose the right way to save money according to the conditions that suit you.

I feel that the way to save money is very simple, make accounts.

There is a very clear and concise breakdown of how much money to spend, so I think that no matter what time it is, you will clearly know your current economic situation when you look at it.

After all, we have not yet entered society, there is no salary, and we need to be frugal.

The method of saving money, 365 days a year, save 1 yuan on the first day, 2 yuan on the second day, and 3 yuan on the third day. Until the 365th day, save 365 yuan, and save the money in a small box every day, so that you can save (1 + 365) * 365 2 = 66795 yuan in a year. There is less pressure in the front and a little more pressure in the back.

The rest of the money is deposited in Yue Bao.

1. Learn to keep putting your money in the bank.

2. Before each purchase, write a shopping list.

3. Set a big goal so that the money in your passbook can buy it.

4. Bookkeeping, recording the whereabouts of every penny, and using money in a planned way.

5. Don't buy luxury goods and consume rationally.

6. Form a habit corresponding to financial resources, do not be extravagant and wasteful, buy as much as you want, and do not deliberately be thrifty.

Here are some ways to save money:

1.Set a budget: Set a reasonable spending budget for yourself to make sure you can afford to spend each month.

2.Separate account savings: Set up a dedicated account for each savings goal. For example, setting up a travel account, a house purchase account, etc., is conducive to better management and tracking the progress of savings.

3.Reduce credit card usage: Try to avoid using credit cards to make purchases, as credit cards may cause you to overspend unconsciously. Switching to cash or debit card payments can help you control your spending.

4.Pay in installments: When buying expensive items, consider using installments to take the stress out of making a one-time payment.

5.Learn to invest: Learn the basics of investing and try to make small investments to grow your wealth.

6.Save daily expenses: Save daily expenses by comparing the ** of different merchants, finding coupons for mold potatoes, and bringing your own lunch.

7.Avoid impulsive spending: Think calmly before making a purchase and avoid unnecessary spending on the spur of the moment.

Young people should find a balance between saving and spending when faced with the choice between cutting back and enjoying the moment, rather than simply choosing to cut back on food and clothing or enjoy the moment. Cutting back on food and clothing can increase savings to some extent, but it may also affect quality of life and mental health. However, overconsumption can also put young people in financial trouble.

Therefore, young Danqin people should set financial goals, set a budget, control their spending, and at the same time enjoy life reasonably. In this way, you can find the right balance between saving and spending. Enjoy life in moderation as you achieve your financial goals.

First, buy what you've always wanted to buy.

It is normal for the first salary to satisfy one's own consumption first. After years of growth and dedication, you can bleed for what you want, buy what you have always wanted to buy, and let your material side have the upper hand, which can be regarded as a reward for your hard work, but do not indulge in squandering.

Clause. 2. Honor your parents.

Some people will think of honoring their parents, which is also a very good way to spend money. Parents have been frugal for many years, it's time to repay the kindness, buy some intimate gifts, and send a red envelope, which will definitely make parents smile and happy.

Clause. 3. Pay off debts.

I didn't spend less money in four years of college, and some students still have tuition loans, or credit card bills. If you want to live a debt-free life, it's time to pay off your first salary.

Fourth, thank the people who have helped you.

In life, we ignore those who have helped us, when you have a harvest, remember to invite them to drink tea and eat, or send a small gift to express gratitude, if not their help, you may have a lot of detours to go.

Saving money is a very important thing for everyone. Don't think that you can spend less money casually, saving is a process of accumulating small amounts, and all wealth depends on accumulation.

1. Learn to save.

Saving is the first step to financial freedom for many people, and it is the most basic and important stage. No matter who wants to achieve passive income of "money makes money", they need to have the blessing of principal, and saving is to accumulate principal. Many people's "first pot of gold" is saved by themselves.

Of course, the order in which you save money is very important, and many people spend it until the end of the month, and how much they have left to save is often left every month. If you change to save first and spend later, salary, fixed savings, and disposable funds, you may find that it has no impact on your life, but the account balance is slowly increasing. For young people who have just stepped into the society and got their first income, it is a good idea to start with 10% of their income.

In addition to bank deposits, less risky currency ** products are also a good place to save money, and the key is to develop the habit of "only in but not out".

2. Self-investment.

The income is not high, you have to plan well to spend the money on **, don't eat and drink, you can prioritize the money in your wish list, those things that can help improve your own advantages. For example, take a course, take a certificate, buy a computer or a hand-burning machine that can improve your work efficiency. The programme can provide more choices and preparation for future professional life; Certificates can improve their competitiveness in an industry in the future, and in some industries, certificates are directly linked to income; Good performance office equipment can make one's work twice as effective with half the effort, these aspects seem to cost money at the moment, but in the long run, it can help individuals improve their earning power and appreciate themselves.