Qianjiang Evening News·Hourly News Reporter Jiang Yun Correspondent Wang Tiantian
As soon as the school season arrives, various school news are frequently searched.
A father and daughter in Guangdong quarreled over living expenses and became a hot topic. My father thought that 1,000 yuan a month was not a small amount of living expenses. When I was studying, my monthly living expenses were only 300 yuan. The daughter retorted that times have changed, and money is needed to study and socialize. The two argued endlessly. This controversy has triggered a discussion about living expenses.
Before, the China Youth Newspaper Social Survey Center and the Questionnaire Network launched a survey and interviewed 1,983 college students. 61.7% of the interviewed college students had monthly living expenses between 1,000 and 2,000 yuan, of which 35.7% were in Between 1,000 and 1,500 yuan. Among the college students surveyed, 32.6% came from first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, 50.2% came from second-tier cities such as provincial capitals, 14% came from ordinary prefecture-level cities, and 3.2% came from county-level cities and others. Among them, 80% were undergraduates, and graduate students and doctoral students were in Twenty percent. About 80% of the college students surveyed received their living expenses from their parents.
College students’ financial sources mainly come from the following aspects: parents, work-study programs, part-time jobs, scholarships, etc. The biggest problem lies with their parents. Most people cannot get rid of their economic dependence on their families, and their consumption behavior will be restricted by family factors. But at the same time, college students are often away from home for a semester or half a year, and class time is not as full as before. Outside the management of parents, college students have an extremely rich after-school life, and what follows is an acceleration of the loss of money. Premature consumption and irrational consumption are common, and many people have fallen into the trap of online loans. How to learn to use living expenses correctly in a completely conscious life and form good habits of daily financial management is more important than discussing how much living expenses to give.
Moderate consumption, hobbies must be sacrificed for life
Now a sophomore, Xiao Li is using his vacation time to intern in a certain unit. The interns are not paid, and the unit is not in his hometown, so now he still needs to remit living expenses from his family every month like when he was in school. At the beginning of August, her living expenses were no longer enough. "I usually use Huabei, and my family will help me repay the loan at the end of each month. Sometimes when the limit is exhausted, I can only borrow money from my family or classmates." Xiao Li is a star-chasing fan, and she has just fallen in love with someone recently. Celebrity, it just so happened that he released an album, and when the quota was renewed in August, she immediately bought a set. "I did the math and found that I probably spent more than a thousand dollars a week, because my workplace internship is online. When I don't have much to do, I go out to eat with friends, and it costs a lot of money here." When the reporter asked When asked about Xiao Li’s future plans, she replied: “Save a little bit, I can go to Xianyu (second-hand platform) It’s almost two weeks before my internship ends, and I have to start planning carefully. I don’t even dare to order takeout anymore.”
There are many people like Xiao Li on the university campus, and he is also a sophomore. Wang likes to play games, and now the game he is playing is launching new activities. "I'm making money. I'm so lucky." Xiao Wang was at home during the holidays. He didn't have an internship or a summer job. The money for making money was all saved before. "I won't pay for living expenses during the holidays. I didn’t spend much money when I was in school, and I also had a small treasury in which I saved the rewards given by my family before I was admitted to college and the New Year’s money I received during the Spring Festival in previous years. That’s why it’s like this now. 'Small bleeding' is actually not bad."
Through online surveys and actual interviews, reporters found that many college students have the habit of saving money, which is generally divided into two forms: transferring out immediately after receiving living expenses and transferring out the remaining balance every month. , coupled with the New Year's money and other money saved before, the total amount is quite large. This money can be used in daily life to prepare for emergencies. However, in life, it is difficult to satisfy the desires. If you cannot consume moderately and continue to consume ahead of schedule, no matter how much living expenses and private money you usually have, it will not be enough. In daily life, before paying for something, think about whether you really need it. The prerequisite for spending for hobbies and interests is that basic life can be guaranteed. If you are not sure, then make concessions to life and realize what is most important.
In addition to studying, it is not a bad idea to have a part-time job.
Nowadays, the general opinion on the Internet about living expenses is that around 2,000 yuan is enough. The reporter also saw many college students sharing on various platforms that basically three meals a day cost more than 30 yuan. Yuan, the daily expenses for fruits and snacks, the monthly water, electricity and Internet fees required for living in the dormitory, the expenses for daily necessities and entertainment activities, and occasional clothing purchases, the total is roughly within the range of 1,800-2,000 yuan. However, these amounts are only set based on experience, and excessive consumption cannot be avoided. After all, no college student can eat in the cafeteria every day. Whether it is ordering takeout or going out to eat out, it is a big expense. These additional expenses beyond the original living expenses are usually solved by making advances from family members and borrowing money from people around you. However, this is not a long-term solution after all. Over time, it is easy to form dependence and fall into a vicious cycle.
How to earn extra income during college to fill the gap in living expenses. Part-time jobs are the choice of most students. Liu, who is about to be a junior in college, already has two years of experience as a tutor. She usually helps people with science subjects in the evenings or weekends, and occasionally does all subjects. "There are groups for part-time jobs. Some of the job opportunities there are posted by classmates and people they know, and many are posted by intermediaries. Many tutors are posted by intermediaries. Generally, the intermediaries post student information, parent requirements, and salary and time together. Just contact me if you think it’s appropriate,” Liu said to reporters, “But The agency is a scam. If you successfully apply, you have to pay an agency fee. There are no specific regulations on this. Some students I know paid the agency fee and basically worked for nothing for a week. "
It is reported that in addition to distributing information in a special part-time group, they also Many people will choose to post relevant information in the school forum. Unlike part-time groups, many forums do not require agency fees, and students who are also tutors usually find someone to take over. But no matter which one it is, you need to distinguish it carefully to prevent being deceived.
In addition to being in school, it is also a good choice to work part-time during holidays. Xiao Peng, a college student who was at home during the holidays, found a job as a teaching assistant at a swimming pool in the city, with a salary of more than 6,000 yuan a month. "Regardless of the high salary, the work is quite hard, because swimming classes are held basically every day during the holidays. I can't take a break on the weekends and work full time all week long. From morning until about five o'clock in the afternoon, there is no stop." said the teaching assistant. The job was introduced by family members. Xiao Peng is mainly responsible for contacting parents, arranging student courses, and signing in before class.
In order to make it easier to go to work, Xiao Peng now lives in the staff dormitory provided by the swimming pool. Occasionally he will go home or go out for fun when he is free from work, but he cannot travel far. Although she can't have fun during the holidays, Xiao Peng is still in a happy mood. She is ready to resign in mid-August and plans to use part of the money she earns to go on a trip with her friends before the start of school. "I just paid last month's salary. I gave a 520 red envelope to each of my parents. I bought a bag that I've always wanted to buy. I plan to save the rest to use with the next half month's salary as a travel fund. And a small treasury for living expenses next semester! "
Stop losses in time and invest rationally
In recent years, more and more college students choose to buy funds or stocks. Some may be for fun, but the high returns also make many wait and see. of students are eager to give it a try. For students who want to gain income through investment, the advice given here is that if you really want to invest in financial management, you should try to choose low-risk financial products. We do not advocate or encourage high-risk financial products such as stocks and futures. You must know that high returns and high risks are bound.
If you are not a student with a lot of spare money, don't choose to try it, otherwise in the market During bad times, money is locked up and cannot be sold. For students who don't have much liquidity, it will seriously affect their lives. College students do not have much discretionary funds. Most of them do not have stable financial sources and need to rely on their families. In addition, they lack financial management experience and do not have strong risk tolerance.
College students should learn to use their living expenses rationally, not to waste money, not to be superior to anything, and to treat everything rationally.At the same time, doing part-time work-study in your spare time or during holidays can not only reduce the burden on parents, but also improve the quality of life for a period of time, but remember to keep your eyes open and beware of scams. Even if you don't choose to work part-time, you must remember to "live within your means, consume moderately" and live a good life.
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