When it comes to money, many college students complain that they are lackof it. One of the main reasons is that they don’t know how to use the moneyefficiently and wisely. I firmly believe that knowing how to manage money ismust-known skill in life. Let me share my own experience and my opinions on howto a good money manager.
As a saying goes, “if you fail to plan, you plan to fail.” To manage themoney efficiently, you need to make a good plan. How to make a plan? Firstly,not mention the Windfall, you should figure out how much money you will haveeach money. Secondly, you will have to make a list about what you will surelyspend the money on, such as transportation, and then make a budget. If you findyour budget exceeds the money that you can spend, make a modification on whereyou can reduce the expense and make sure the budget is within the money that youhave. If you find that there are money left after the budget, save the money fora rainy day. Thirdly, carry out your plan and stick to it. Something unexpectedmight happen and make you spend some money out of the budge. At this time, youshould make a note and make a modification on your budget too.
Besides, there are two things that you need to pay attention to. You shouldavoid using credit card because it will tempt you to spend more than you can andmake you fall in the debt trap. It’s a good habit for you to take a note aboutthe expense everyday so that you know where the money goes and easily checkwhere you spend the money wrongly.
Take myself as an example, I make a weekly plan. I first separate the moneythat I will have for one month into four parts for each week. And then I willwrite down what will make me spend the money and how much they cause each week.After I draw such a picture, I carry it out and take notes on how much I spendon each item. Week after week, I form a good habit on spending the money andsuccessfully manage them.
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