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Use the three-point financial management rule to reasonably control expenses.

For college students, they generally do not have the ability to be financially independent. They spend family money and cannot do whatever they want. They also need to use money rationally and not spend excessively and blindly.

1. Plan basic expenses

It is necessary to roughly calculate the basic monthly living expenses, such as meals, transportation, daily necessities, school supplies, etc. In addition, it is necessary to occasionally improve the food , dinner parties, travel, etc. After planning the basic monthly expenses, when we spend money, we will be aware of the expenses and understand each expenditure more clearly, and remaining balance. 2. Live within your means and set an upper limit

College students have little social experience and it is easy to follow the trend of impulsive consumption and buy many unnecessary items. They must learn to think rationally, spend money wisely, and measure every dollar. Is it worth the money?

Set upper limits for catering expenses, clothing expenses, entertainment expenses, etc. You cannot spend as much as you want, and do not overdraw.

For example, I spend about 50% on catering and daily necessities every month, about 20% on entertainment and clothing, 20% on learning, and the remaining 10% as reserve funds, which can be mobilized flexibly.

Usually eat in the school cafeteria and occasionally go out to carry it

If it is clothes, you don’t need to buy too many expensive ones, just enough to wear; if you are a girl, you don’t need to buy them every day. There are too many cosmetics that can never be used up; skin care products are suitable as long as they are suitable, there is no need to pursue lady-level, it may not be affordable financially, and it is not necessary for young people; electronic products can satisfy your own needs, and there is no need Comparison is necessary.

Just enough clothes to wear. 3. Focus on spending money on one project every month.

If you are not financially independent in college, you should naturally save some money, but you don’t need to treat yourself too badly. , I will make a wish list for myself, set aside a budget every month, and focus on one project to spend money on.

If you want to buy more expensive cosmetics this month, then buy clothes next month. You have to make choices and don’t want everything. Crossing off one wish list every month can relieve financial pressure. .

You don’t need too many cosmetics, just enough.

For items that are not necessary and rarely used, you can consider borrowing or renting them.

For example: If you use items that are not commonly used, you can consider sharing or borrowing them with classmates. The premise is that the relationship is good enough to avoid being considered as taking advantage and affecting the relationship between classmates.

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