How do college students learn to manage money?
1, form a sense of financial management. The sooner you start financial management, the better. Don't lose at the starting line.
2. Learn the knowledge of investment and financial management, and deepen understanding through practice. In the initial stage of learning financial management, everyone needs to know and understand various investment and financial management tools. For example, some books that introduce financial management in a simple system.
It is not enough to study by reading books, but also to practice more, cultivate your attention and sensitivity to the market, and form the habit of reading financial news every day.
4. While managing money, don't neglect your investment. The job of students is to study, and the university stage is the most abundant and dynamic stage of life. We should make full use of this golden age, whether we study in our major or invest in financial management. In addition, it is also beneficial to make friends with some industry predecessors. The industry mentioned here includes both your professional field and people in the financial circle.
How do college students learn to manage money?
What financial products are suitable for college students?
1. Bank savings
Deposit in the bank is the most basic way to manage money. College students can open a savings account in the bank and deposit the monthly change into the bank savings account. Moreover, the current bank savings operation is convenient. As long as individuals open online banking, they can open savings accounts online for financial management.
2. Yu 'ebao Wealth Management
Yu 'ebao financial management is actually an online financial management. As long as an individual has an Alipay account, he can deposit his personal change in Yu 'ebao. The annualized income of Yu 'ebao is about 4%, which is higher than that of banks and safer. Suitable for financial management of college students with less funds.
3. WeChat financial management
Wechat financial management is also a new financial management method and a kind of fund management. WeChat financial management can directly enter the WeChat interface, register an account and bind a personal bank card, so you can choose your favorite financial products on the WeChat financial platform.
4.P2P financial management
P2P financial management is a very popular financial management method. P2P financial management can be operated directly on the Internet, which is convenient, fast and has high returns. The annualized income of most P2P financial management is above 8%, but when choosing a P2P financial management platform, we must choose a P2P financial management platform with high security. Recommended financial products: Zijin Institute has a state-owned background, has been operating stably for three years, and its funds are deposited in the bank. The expected annualized income is 7.5- 1 1%. It also has many advantages such as low investment threshold, flexible term and convenient cash withdrawal.
How do college students learn to manage money?
Financial advice for college students
1. Do not participate in illegal activities.
As representatives of knowledge groups, college students' behavior must conform to social norms and abide by laws and regulations. Nowadays, with the prevalence of the Internet, all kinds of illegal or disguised online fraud activities have begun to infiltrate the campus. Some students are not very clear about these illegal network phenomena, and many people are lured to participate in online "gambling", "gambling" or other illegal activities. Therefore, we must keep our eyes open and resolutely not do anything that violates laws and disciplines and harms the image of college students.
2. Be careful when opening credit cards.
Every bank, big or small, will open credit cards for college students. Credit cards are really convenient to use, but we must carefully consider our actual situation. Some students use credit cards to spend money, and they don't have much restraint when swiping their cards. Anyway, they just pressed the password, and finally found themselves spending so much money before the repayment deadline, so they had to ask for it at home and borrow it from their classmates in order to pay off the consumption on their credit cards.
3. Stock trading needs to guard against potential risks.
It's no secret that college students share stocks. Many students have had similar or similar experiences. Whether you want to understand the stock market or exercise your financial management ability, you must stick to the bottom line. You must never affect your normal study and life because of stock trading, and you must not use all the living expenses given by that family for stock trading.