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學(xué)生黨想致富，先樹(shù)立正確理財(cái)觀

首先，要樹(shù)立正確的消費(fèi)觀
First of all, to set up the correct consumption view
無(wú)論你是在校的學(xué)生，還是剛走上工作崗位的社會(huì)新人，絕大多數(shù)還要依靠父母的資助來(lái)滿(mǎn)足日常開(kāi)銷(xiāo)，所以想攢下錢(qián)也不是件易事。可是沒(méi)錢(qián)拿什么理財(cái)呢?所以濟(jì)南代理記賬公司建議學(xué)生黨勤儉節(jié)約不亂花錢(qián)。比如盡量減少同學(xué)聚會(huì)，堅(jiān)持記賬，把不必要的開(kāi)支從賬上抹掉。每月收到了生活費(fèi)或工資，先把這筆資金用于購(gòu)買(mǎi)教材、學(xué)習(xí)用具、充飯卡等必需的支出上，剩余的再考慮其他消費(fèi)。
Whether you are a college student, or just to a new social work and the vast majority of depends on parents' support to meet the daily expenses, want to save money is not so easy.But no money to take what money?So the jinan bookkeeping agency advises students party frugality not disorderly spend money.Such as to minimize the reunion, insist to charge to an account, the unnecessary expenses from the account.Received the cost of living or wage per month, put the money used to buy textbooks, school things, filling meal card and other necessary expenses, the remaining before considering other consumption.
說(shuō)到這兒，不能不提一下信用卡：
每逢開(kāi)學(xué)季或畢業(yè)季，校園內(nèi)總能看到很多銀行開(kāi)設(shè)的辦理點(diǎn)，或者學(xué)哥學(xué)姐為了完成工作任務(wù)讓你們辦卡。濟(jì)南代理記賬公司在此勸告各位，不要被信用卡送的小禮品誘惑，要謹(jǐn)慎辦卡。過(guò)度使用信用卡，尤其對(duì)并不具備償還能力的學(xué)生黨來(lái)講，極易助長(zhǎng)不良的消費(fèi)習(xí)慣，一旦消費(fèi)后沒(méi)有資金及時(shí)償還，損失的不僅僅是金錢(qián)，還會(huì)影響個(gè)人信用。所以，學(xué)生黨務(wù)必理性使用信用卡。
Speaking of which, have to mention the credit card:
When opening season or graduation season, the campus can always see a lot of bank to handle, or learn elder brother elder sister let you handle card in order to complete the work task.Jinan bookkeeping agency company in the advice, you don't get a credit card to send small gifts, be careful to do card.Excessive use of credit CARDS, especially for students party, do not have money to repay to encourage bad spending habits, once the consumer no money to repay in time, after the loss is more than just money, can also affect the individual credit.So, the student party, be sure to rational use a credit card.
其次，為了開(kāi)源，積極參加兼職或?qū)嵙?xí)，并進(jìn)行職業(yè)規(guī)劃
Secondly, in order to open source, take an active part in part-time or internship, and carry on career planning
有學(xué)生曾經(jīng)問(wèn)我們，“還有半年就畢業(yè)了，但是自己還沒(méi)想好做什么工作”。
濟(jì)南代理記賬公司的建議是：我們可以利用假期或者沒(méi)有課的閑暇時(shí)間，積極參與一些兼職或者實(shí)習(xí)工作，雖然掙的不多，但是能夠積累工作經(jīng)驗(yàn)，也能提高自己未來(lái)的求職競(jìng)爭(zhēng)力，或許還能在實(shí)習(xí)中找到適合自己的職業(yè)。另外，我們還應(yīng)該利用閑散時(shí)間主動(dòng)學(xué)習(xí)一些理財(cái)知識(shí)或者專(zhuān)業(yè)技能，獲取一定的理財(cái)經(jīng)驗(yàn)。比如，可以開(kāi)始基金定投、小額嘗試P2P網(wǎng)貸，或者參加學(xué)校舉辦的金融方面的講座，進(jìn)一步提升自己在金融、理財(cái)領(lǐng)域的認(rèn)知。
A student once asked us, "and half a year will graduate, but his haven't wanted to do a good job".
Jinan bookkeeping agency company suggestion is: we don't have class can use holiday or leisure time, take an active part in some part-time jobs or internships, although earn much, but the ability to accumulate work experience, can also enhance the competitiveness of their future job, may be able to find suitable for their career in the internship.In addition, we should take advantage of idle time to take the initiative to learn some knowledge of finance or professional skills, obtain certain experience in finance.Can start fund to be cast surely, for example, small try a P2P network, or part of the school s financial lecture, further enhance your knowledge in the field of finance, financial management.
這些理財(cái)產(chǎn)品并不適合年輕的你,適合學(xué)生投資的產(chǎn)品應(yīng)具備兩個(gè)特點(diǎn)：
一是，由于學(xué)生尚未參加工作或剛工作不久，收入還很低甚至沒(méi)有穩(wěn)定的收入來(lái)源，所以產(chǎn)品的投資門(mén)檻必須很低，不能因?yàn)橥顿Y影響了正常的生活開(kāi)支;二是，由于學(xué)生黨的支出、消費(fèi)有一定的不確定性，所以產(chǎn)品的流動(dòng)性要較強(qiáng)。因此，國(guó)債、股票、銀行理財(cái)產(chǎn)品等投資產(chǎn)品不適合學(xué)生黨選擇。
These products are not suitable for the young you, is suitable for students' investment products should have two features: One is that because the student has not yet have a job or just work soon, income is very low or even no stable source of income, so the products must be very low investment threshold, because investment will not affect the normal life expenditure; Second, because the student party's spending, consumption has certain uncertainty, so the product of liquidity to be stronger. Therefore, bonds, stocks, bank financial products such as investment products are not suitable for students' party option.
若有閑置資金，可選以下投資方式
1.銀行儲(chǔ)蓄
對(duì)于缺乏投資經(jīng)驗(yàn)的大學(xué)生而言，銀行儲(chǔ)蓄不失為一種有效的理財(cái)途徑。既可以幫助我們改掉不良的消費(fèi)習(xí)慣，長(zhǎng)期堅(jiān)持還能積累一筆可觀的資金。
    2.余額寶類(lèi)產(chǎn)品
以余額寶為代表的“寶寶”們，本質(zhì)上都是貨幣基金。雖然目前收益都下滑至3%-4%左右，但是門(mén)檻低、流動(dòng)性強(qiáng)，很適合學(xué)生黨打理閑錢(qián)。
    3.基金定投
基金定投是指約定每月的扣款時(shí)間和扣款金額，到時(shí)銀行會(huì)定期從指定的賬戶(hù)中自動(dòng)扣款，用于購(gòu)買(mǎi)同一只基金。定投的門(mén)檻要比單筆申購(gòu)基金低，通常可低至100或200元，對(duì)于大多數(shù)沒(méi)有時(shí)間研究市場(chǎng)，也沒(méi)有充足的金額用于投資的同學(xué)來(lái)講，通過(guò)定投來(lái)涉足基金，是不錯(cuò)的選擇。
 按照基金的波動(dòng)和收益情況來(lái)看，股票基金、指數(shù)基金和混合基金最適合定投。但從風(fēng)險(xiǎn)上看，以上三種基金的風(fēng)險(xiǎn)也是最大的。
  　4.P2P網(wǎng)貸
P2P網(wǎng)貸是一種“個(gè)人對(duì)個(gè)人”的借貸投資模式，投資門(mén)檻通常為1000元或者10000元。當(dāng)前市面上的P2P投資收益在5.5%-18%左右，比較適合在校學(xué)生以及剛步入社會(huì)的年輕人。但是由于P2P網(wǎng)貸的平臺(tái)良莠不齊，選擇一家正規(guī)平臺(tái)很重要。投資前，我們應(yīng)當(dāng)對(duì)平臺(tái)的成立時(shí)間，風(fēng)控措施等方面詳細(xì)了解，明確P2P平臺(tái)的信用審核體系是否完善，是否充分掌握借款人的信息。
If you have idle fund, can choose the following investment way 1. The bank deposit For the lack of investment experience of college students, the bank can yet be regarded as a kind of effective financing way. Can help us get rid of bad habits, insist for a long time to also can accumulate a considerable money. 2. The balance of products Represented by the balance of treasure "baby", are essentially monetary fund. Although the yields are from around 3% to 4%, but the threshold low, liquidity is strong, very suitable for student party do spare cash. 3. The fund to be cast surely Fund is cast surely refers to the agreed processing time and deduct the amount per month, then the bank will automatically from the designated account on a regular basis deductions, used to buy the same fund. Decide the threshold than single purchase fund is low, usually can be as low as 100 or 200 yuan, for the majority of have no time to study the market, also do not have enough in terms of the amount invested in students, by putting to dabble in fund, is a good choice. According to the
    如果你是學(xué)生黨并且堅(jiān)持讀到了這里，請(qǐng)獎(jiǎng)勵(lì)自己一朵小紅花!因?yàn)榕c同齡人相比你們已經(jīng)贏在了起跑線(xiàn)上，所以請(qǐng)堅(jiān)持你們的理財(cái)之路，盡管中途會(huì)有坎坷，但相信靠自己的努力，一定可以實(shí)現(xiàn)理財(cái)目標(biāo)!加油!
If you are a student party and stick to read here, please reward yourself a little red! Because you have to win at the starting line up compared with their peers, so please stick to the road to your financial, though halfway there will be bumpy, but believe that on our own efforts, can achieve financial goals! Come on!
濟(jì)南代理記賬公司：http://www.irmblog.cn