Once college students get their living expenses, they tend to appear richer than anyone else. They will go extravagantly to taste mineral water, snacks, etc., and do not hesitate to choose expensive consumption. At this time, they have money in their hands and curiosity drives them to try all kinds of new things. However, this life of luxury does not last, and soon they will pay the price for their profligacy.
The college students knew that there was a lot of ridiculousness in their actions, so they used expressions and memes to laugh at themselves, accurately hitting the state of mind after the living expenses were spent. Among them, the most representative is "KFC at the beginning of the month, chasing roommates at the end of the month". At the beginning of the month, college students can go to KFC for dinner without hesitation, and every day is a good day for Crazy Thursday. However, such a luxurious life cannot be sustained for long, and college students will soon pay the price. By the halfway point of the month, many of my classmates were already feeling impoverished. However, at this time, there are still some students who will continue to be extravagant and wasteful until the real test comes at the end of the month. Many classmates went from eating KFC every day to not even having money for food, their eyes sparkled with hunger, and when they saw their roommates, they thought it should be delicious, and they almost chased their classmates everywhere. There is even a more dramatic situation, that is, when you get the living expenses at the beginning of the month, you find that the price is **, and the things you want to buy at the end of the month are now simply not affordable. So, the college student directly turned into a mustache, and said the classic line in his mouth: "Go ashore for graduate school!."If you don't pass the test, you will fight in World War II!"Male classmates are more unbalanced in terms of spending money, female students can buy a set of clothes for 100 yuan, but what about male classmates?Normally, the expenses of male students are as follows: 20 yuan for tops, 40 yuan for pants, and 1,000 yuan for sneakers. This kind of cost led to the fact that at the end of the month, the male students' ** could be worn out, and they had to wear down jackets. Some people laugh at themselves and say that college students' consumption outlook is different from that of their parents' generation. My parents' generation would be crazy when they saw an egg for 500 yuan, right?An egg is so expensive, resolutely do not buy it. But as soon as college students have money, they are eager to try what it tastes like to have eggs for 500 yuan. This kind of chic atmosphere will only last until the end of the month, and the college students have to turn into bloggers who survive in the wilderness, wouldn't it be nice to try to bake some maggots?More specifically, at the beginning of the month, when everyone shouted that they wanted to eat and drink enough, by the 15th day, many people had already spent all their money, and their backs were on the 20th day, and at that time there were only some roasted maggots to eat. A few days before the end of the month, many people have turned into old eight, looking for delicious little burgers in the toilet. However, at the end of the month, Hannibal appeared, and it is said that there are people who are not really human. Whether it is the beginning of the month, the middle of the month or the end of the month, there is not much difference in the life of college students whose families are already poor, and one expression is enough to summarize their living conditions. Faced with such a scene, many students could only smile bitterly, saying that they were amused by their situation.
College students' behavioral enjoyment may bring them short-term happiness, but it will not lead to long-term happiness and success. The extravagant indulgence at the beginning of the month leads to a difficult life at the end of the month, which makes people wonder: why are college students so lacking in financial literacy?Of these, three questions are worth it.
1. Education is not in place
Some college students are underinvested in financial management, often because they have not received enough financial education. In the past, many families and schools did not pay attention to their children's money education, believing that it was something that needs to be considered after adulthood. However, in the new era, early financial education is especially important. From an early age, students need to learn about the importance of money, how to use it wisely, and risk management. If college students don't grasp these basic financial concepts, they will be overwhelmed when faced with real-life money problems, and it is easy to fall into profligacy and wasteful behavior.
2. ** and the change of consumption concept
The development of modern society has brought more and more consumption**, and college students are often swayed by the influence of various advertisements and social **. Their pursuit of luxury goods and fashion trends has gradually changed their consumption concepts. Many college students begin to focus on external show-off and enjoyment, while ignoring actual needs and future plans. This change in consumption perception has led to overspending, making it difficult for them to manage their personal living expenses in a restrained and rational manner.
3. Self-awareness and social pressure
College students are in the process of personality formation and self-identification, and they are often evaluated and pressured by peers and society. In pursuit of material things and pleasures, they spend more money at all costs as a way to satisfy their vanity and social needs. However, this pursuit of short-term gratification will only lead to a decline in the quality of life and put oneself in financial distress.
In order to avoid this from happening, college students should re-examine their consumption concepts and cultivate a reasonable financial management concept. It is necessary to clarify the purpose of living expenses and make a reasonable spending plan to ensure that there are enough funds to cover the necessary living expenses throughout the month. In addition to this, college students should cultivate a frugal lifestyle Xi, look for a more affordable lifestyle, and avoid excessive consumption.
At the same time, parents and schools should also pay attention to financial education to help students better manage their financial situation. Parents can communicate with their children to help them make rational spending plans and cultivate correct consumption concepts. Schools should also provide relevant financial education courses to help students understand the importance of money and management methods, and guide them to develop good financial Xi.
In modern society, the concept of financial management is very important for college students. Only by cultivating rational and restrained consumption Xi can we ensure our economic stability and future development. Therefore, college students should be aware of the consequences and impacts of consumption, effectively change their consumption behavior, cultivate good financial management concepts, and lay a solid financial foundation for their future.