What doubts do you have about personal consumption in college?

There are many people who can spend a lot of money to buy something they like, and that thing is not necessarily what they need very much, which makes me very puzzled, because I am all students in college, why is there such a big financial disparity.

During college, most of our economy is based on our parents, we often have a strong level of consumption, but we do not have such a spending power, how to reasonably control the balance between our consumption level and consumption power.

I don't buy anything every day, but I don't feel like I have enough money, and I don't know why I don't have enough money to buy clothes, bags, and cosmetics.

That's why, sometimes when we go to dinner together, and then she obviously swipes my card, she forgets it, and she feels like she takes it for granted, and she is speechless at the time.

First of all, I am an only child in an extremely ordinary family. The living conditions of the family are average. The monthly living expenses are 1200

Our dormitory relationship is basically good. Go out at least twice a month. If you go out to eat, it's usually around 30 (isn't it very little).

If you are eating casually, it will be about 50. Sometimes it takes a little more. But such a thing is usually once or twice a semester!

I can afford it, too.

So, ah. You first look at what your classmates' family income is. If only it was much better than you.

Then you're better off not getting involved in activities like having dinner together. However, it is necessary to participate once in a while, such as going out 3 times a month. Then you just go once.

I'm curious that I have a friend, his family is really not particularly wealthy, and there is another sister in the family who is in junior high school, and his parents are ordinary migrant workers, but he spends money outside but is extravagant, I can't understand it.

They think that whatever they buy now is the right thing to buy, which makes me wonder why people are spending their parents' money so justifiably.

It's just that I don't know what to buy every day, and as a result, the money is gone, but I basically have to eat and pay for fruits, and I will become a moonlight clan at the end of the month, and I may not have any plans.

I went to college in my city, and I have 1,500 living expenses a month, and if I buy clothes, my parents will take me directly to buy them, but there will always be a state where I don't have enough money to spend, and I don't know where my money is spent.

1. Learning expenses (learning materials, certificates, Internet access, etc.).

2. Consumption income (family supply, scholarships, grants, self-employed jobs, etc.).

3. Living expenses (food, clothing, personal expenses, entertainment consumption, etc.).

1. College students have not formed a complete and stable concept of consumption, and their self-control ability is not strong, and most of their consumption is induced by ** propaganda or influenced by their classmates and generated random consumption and impulsive consumption. This is also the result of the demonstration effect of college students' consumption.

2. Some college students compare themselves with each other in pursuit of avant-garde and trendy. They "buy" some items just to maintain so-called consistency with their classmates around them, not for actual needs. Some students are willing to cut back on food and clothing, sacrifice necessary expenses, and do not hesitate to borrow money from classmates or even steal to satisfy their vanity.

3. The phenomenon of college students falling in love is very common, and the high consumption and blind consumption in love have also increased expenses.

In my opinion, college students' consumption behavior should be led by themselves. But it should be the right way.

First of all, consumer behavior is a behavior that people are born with, and as college students, most of them are adults, and sooner or later they will have to take responsibility for their consumption behavior. In college, most of them live independently, and their daily living expenses are self-sufficient, so that they can slowly develop the concept of financial management. <>

But when it comes to spending in college, some students don't have the right concept of consumption, for example.

1.Live above one's income.

Some students have a limited budget, and will buy what they want through various Huabei, loans and other consumption methods in advance.

2.Compare consumption.

Once some students have a desire to compare with others, it is easy to buy luxury goods to compare with others. This type of consumption is the least recommended, but the most common.

3.Impulse spending.

Some college students may follow the mass consumption trend and make impulsive purchases with the masses.

Therefore, if you are completely empty-handed and dominate consumption, it may cause a deviation in the concept of consumption. So how should college students cultivate a correct view of consumption?

1.Spend wisely.

Most of the living expenses of college students come from their parents, so they are generally given a month or half a month. During this period, students will learn to spend reasonably, keep accounts every day to record their daily consumption, consume what they need, and avoid unnecessary expenditures.

2.Planned consumption.

Since there is a fixed living allowance every month, as a college student, I must make reasonable arrangements to use the money, and I have some classmates around me who are in difficulty and have a clear plan for a month's consumption, and at the end of the month, I can save some money to buy what I want.

3.Correct consumption guidance.

Colleges and universities can give lectures or disseminate correct consumption concepts to guide students to consume correctly according to different situations. And enhance students' awareness of prevention and legal meaning, so that students can protect their own interests while consuming. <>

All in all, college students' consumption should be led by themselves, but they should consume rationally.

Hope mine can help you.

I believe that college students' consumption behavior should be led by themselves, but not completely by themselves.

1. Be self-led

Most college students have reached adulthood, and after college life, they will have to go out into the society, and sooner or later they will have to take responsibility for their own consumption behavior. Therefore, the consumption behavior of college students should be led by themselves, and they can start to use their own consumption funds, allocate the daily disposable amount through independent decision-making, and slowly cultivate their own consumption concept.

According to a survey, the consumption behavior of college students is mainly as follows:

1. Personalized and diversified consumption

In addition to basic food and daily necessities, entertainment, cosmetics, skin care products, clothing and other aspects have also become an important part of the expenses for college students.

2. Pursue cost-effective products

The data shows that college students generally pay more attention to cost performance when they consume shopping, entertainment, knowledge payment and other items, which is a manifestation of rational consumption by college students under budget constraints.

3. Advance rental and sales fees

Most college students will buy products that exceed their budget through Huabei, Borrow, JD Baitiao, installments, loans, etc. when they have a limited budget.

Second, it cannot be completely led by the college students themselves

The meaning that the consumption behavior of college students cannot be completely led by themselves means that parents should guide them to establish a correct consumption concept before handing over their living expenses to students. After all, college students have not fully contacted society, are simple-minded, and are prone to scams.

In particular, college students are most exposed to telecom fraud. At the same time, schools should also strengthen the education of college students' consumption behavior.

So how to cultivate the correct consumption concept of college students?

1. Strengthen the education of college students' rational consumption concept

The current era is the era of online shopping, and the young people in the new era have a lot of contact with the Internet, so it is easy to be carried away by the "buy one get one free" and "buy three send six" of the online anchor, and start to "buy, buy, buy, buy" as soon as they are excited. Therefore, it is necessary to cultivate a scientific and rational consumption concept among college students, and to grasp the "degree" of consumption. The family's consumption concept and consumption behavior have a profound impact on their children, parents should not only teach by word and deed, but also keep abreast of their children's consumption status and help their children develop good consumption habits.

2. Strengthen the level of anti-fraud education for college students

Colleges and universities should set up courses or lectures on fraud prevention to enhance college students' awareness of the law and self-security protection, and avoid various anti-fraud routines. College students are required not to listen, not to believe, not to disclose personal information, to consult teachers more if they have questions, to develop a rational view of consumption, not to consume in advance, not to blindly compare.

First of all, I think it must be self-led, most students are adults by the time they go to college, and they have to take responsibility for their own actions.

After entering university, there are no restrictions on mobile phones, and the cost of living has also increased compared to the previous high school and junior high school. And now most of Wang Ke students will shop online, and even choose to spend in advance, such as Huabei and so on. This must require us to be responsible for our own consumption behavior, how much money we have, how much we do.

Have a reasonable arrangement for your own funds.

I think there are the following aspects of reasonable arrangement.

The first point is that it is important to choose something that is cost-effective when buying something.

Give preference to daily necessities that are lacking in life, such as toothbrushes, toothpaste, etc., and these daily consumables must be put first. Because these things have a big impact on your life, and without these things your life may be difficult.

The second is clothes, shoes, etc., these things do not need to pursue famous brands, there are things that can be changed and washed. Personally, I don't think it's necessary to spend two or three thousand on a pair of shoes or a piece of clothing. Nowadays, most students have not found a job, and there are very few who can make money, so the money you spend is given by your parents, so there are more cost-effective things for these.

There's no need to spend a fortune on second-best.

The second point is to be cautious about software that is consumed in advance.

It is best not to open Huabei, credit cards and other early consumption software. These things can only be said to do more harm than good. You are accustomed to spending in advance, and when you buy something you can't afford, you will get used to using early consumption to pay.

For a long time, no matter whether you have enough money or not, the first thing you think of is to spend in advance. This habit has the potential to make you owe more and more money, and eventually end up in an infinite loop.

The third point is to beware of scams.

There are countless cases of college students being defrauded every year, and there are various ways to be defrauded, and the reason is the problem of consumption outlook. In the consumption concept of college students, spending money quickly and making money must be fast, and jobs that cannot be quickly received cannot attract them, so college students are the most likely to be defrauded every year.

To sum up, we must arrange our funds reasonably, establish a correct concept of consumption, and then dominate our own consumption behavior.

Through research, we found that in terms of living expenses**, 61% of students chose their parents, 15% chose loans, 12% of students received scholarships, 10% of students subsidized daily expenses through part-time jobs, and another 2% had other financial expenses**. It can be seen that the main economic ** of students is their parents, but with the rise of grades, the proportion of college students' consumption behavior as an explicit external performance, affected by many factors, in addition to the external economic conditions, commodity media publicity, social customs, etc., but also by college students' habits, hobbies, personality, etc., and college students' self-concept, as an internal part of college students' personality, plays an important role in college students' external consumption behavior.

Today's college students are the generation with the purest experience of material abundance in the transformation of China's consumer society, and they can be said to be the darlings of the period born in the triple matrix of the only generation, the "material consumption society" and the e-period. As the masters of future consumption, their growth is not only a manifestation of personal consumption behavior, but also hinders the transformation of the consumption behavior of the whole family and society.

College students are a very different consumer group, but also a large consumer group, and their consumption has its own characteristics. On the one hand, there is a strong demand for consumption, and on the other hand, it has not achieved economic independence, and its expenses are largely paid by households. The consumption of college students is an important part of the household expenditure of college students, especially for families with relatively low incomes, and the consumption of college students has even become a big burden for families.

If college students fail to form a correct view of consumption, it will overwhelm their parents, and at the same time, it is not conducive to the formation of college students' own scientific outlook and world view, and it is not conducive to the improvement of college students' own literacy.

Therefore, it is super necessary to investigate and analyze the current consumption situation of college students, summarize the overall consumption concept of college students, and guide them to change to the scientific consumption concept and achieve economic independence as soon as possible.

I believe that college students' consumption behavior should be led by themselves.

As a group of people who are about to enter the society, college students should have a certain concept of consumption, and they should also bear the various consequences brought about by their own simple consumption. So how should we cultivate the right concept of consumption?

First, moderate consumption. Moderate consumption refers to the consumption carried out on the premise of ensuring the natural physiological needs of college students and not exceeding the economic affordability of the family. Most of today's college students are only children, and some parents hold their children in their hands since childhood, which causes students to pursue high consumption, blindly pursue grades and brands, to satisfy their vanity, and form an unhealthy way of consumption.

There is also a situation of advanced consumption, some college students out of comparison or weak consumption awareness, through Huabei, online loans and other ways to pay in installments, and finally lead to debt, and even affect personal credit problems. Therefore, it is necessary to learn to consume in moderation and try not to consume ahead of time.

Second, don't blindly follow the trend and consume rationally. Trend-following consumption is not only seen among college students, but also in many groups. Most of the time, it happens on a whim and driven by various big promotions.

You should know that buying during the event is saving money, but not spending is more saving. Think about whether you need it and whether you can use it before you buy it, rather than being greedy and cheap and consuming at will. It is advisable to make a small list of the money that needs to be spent.

Third, understand your financial ability and make a spending plan. As a college student, you should have an idea of your own financial ability, whether it is at the middle level or low, whether it is earned by yourself or given by your parents. In addition, you can consider recording your income and expenditure every day, so that you can constantly remind yourself whether you are spending too much, avoid the embarrassment of making ends meet, and you can also have the awareness of feeling sorry for money, and you will think one more step next time you spend.

In short, don't blindly compare, consume moderately, develop a correct concept of consumption, it is not easy to make money, and spend and cherish!