Summer coming to an end, signaling a new semester about to begin, but also indicates that a new batch into the society’s “Project Runway” who will go to meet the social challenges, to realize his vision of the dream of wealth. However, many “Young people” one out of school, first of all realize that an obvious gap between the income of the phenomenon, how the monthly income of out of school than in school is also low? The original plan in 3-5 years, to achieve dreams of wealth to buy a car buy a house, a sense of how far away? A time for many of these issues, “Young people” are confused.
Make ends meet out of school
Xiao Yang in Yunnan Vocational College of Land and Resources Engineering Geology professional 2003 student in June this year, not to find a job after graduation, he and friends in the Longquan, Yunnan Normal University opened a clothing store near campus.
“Shop around when you need to store the 6,000 yuan, a penny is useless at home, are, and borrowed from a friend.” Xiao Yang Road, this pride. Apart from showing a trace of pride but also sadness, he said, since the school into the community, the previous month to take a leisurely 800 yuan from their parents living in the good old days gone, compared to the present day a bit difficult, cost of living has compressed to 500 yuan/month, plus 110 yuan/month rent, 500 yuan/month rent and utilities pavement, spending a month in 1300 yuan. “My life was a bit rigid.” He laughs.
Had graduated two years, Huang Lixin, also on his income and the income of the school made a clear comparison. He said that in school, a month to get it fixed from the parents of about 600 for living expenses, in addition also arranged through the work of a number of school teachers can also receive some compensation from the remaining part of the revenue comes from selling products to help companies Basically, to have 1,500 yuan a month. But since graduation, go to a government unit, although a fixed monthly income of 1,000 yuan, the unit also given medical care, retirement security, but obviously feels the time revenues as much in school, and the monthly cost has increased. Money does not keep the next two years, originally planned 5 years to buy a car, buy a house plan can only be shelved.
Landing outside the school reserves
This phenomenon, Zhang taught at Yunnan University, says that income gap between the emergence of a sense that every student will encounter to leave the campus, according to a common phenomenon, from the home, in school to get a monthly period pen fixed income (living expenses), plus some work-study activities like entertainment, but also provide some income. The cost of the school, not a lot of expenditure, rent, utilities and so on in the tuition, so the pressure of the majority of students in school life is not great, but one into the community, regardless of the cost of these revenues will face the problems themselves, Therefore, the income of students in the school into the community more than most cases.
Course, not all graduates will encounter this situation, some students rely on campus, for the society to build up a sound financial platform. Activated Carbon from Waste is the Department of Chinese, Yunnan University, 2002 Professional Foreign Language students. She graduated from the future into the community is facing the problem of income gap, and there is no tension, she said, at school, she combined with their own expertise, has participated in many talent competitions and beauty contests, and get some prizes and most importantly, from accumulated some useful connections. Last year, she would not be out of school into the sea, the corridor, opened in Kunming, a Korean brand of shoe franchise, the monthly income of 6,000 yuan, the general formulation graduates 3-5 years after graduation plans to buy a car, She currently ahead of schedule.
Of course, like her special case, not all students can achieve, more students, or distress in the employment, revenue, as the majority of students after graduation, how to deal with internal and external income imbalances? How to buy a car buy your idea?
Planned economic management Finance
A commercial bank personal finance Kunming Department Manager Xu said that from the Kunming family income of ordinary workers, the general element in between 2000-3000, but as the students before entering the society, the income will be significantly reduced, personal income about a thousand dollars. How can the pursuit of limited income to achieve their dream of high quality, you need to have a good financial plan.
He suggested that graduates should first learn the planned economy, which is in accordance with China’s planned economy era, people on income management in a planned way, the monthly revenue and expenditure for the record carefully, and then part of the expenses incurred , the moderate adjustments to maximize the monthly savings can be a little bit, and a fixed installment savings deposit account, with this first step, it may be the end of “eating the old” binge consumption state, is it possible the realization of capital accumulation.
When a certain deposit, you can model appropriate to introduce a market economy, with limited funds for a reasonable investment and financial management, improve the capital value added. Can take care of three three savings way system, which uses a third to buy a stock they think has the potential to carry out the long-term investment, so you can share the fruits of economic growth, currency depreciation against the risk of increasing the value to ensure that family wealth .
One-third of the RMB to buy some banks introduced financial products. In the medium to get a certain return on the security risks of such investment is smaller than the stock, but the benefits higher than fixed deposits.
Final third is the pursuit of absolute stability. This part of the funds can be used to purchase book-entry treasury bonds. Of course, as the law of market economy, banking, high risk but also have high returns, but as before entering the community college students, these financial management should be carefully used.
Addition to savings to maximize the benefits of limited action, only the students into the community should also establish the most valuable “asset” is its own concept, its advantages, and continue to enhance the quality and skills to adapt to society, to seek a part-time is the best way to increase wealth.
Students could pass for ordinary
a reasonable financial plan, to 3-5 years to achieve the dream of car buyers, Manager Xu said that Kunming’s urban consumption from the current situation, the mortgage loans by banks to achieve car, the needs of buyers is possible, as the prices continue to fall, graduate students 2-3 years of work by way of mortgage, is an attainable dream car, but to purchase necessary to have a more long-term planning. If buyers, mortgage buyers are used, the “inexperienced deep” graduates will increase greatly the pressure will reduce the response to a large extent, unexpected risks.
related to hot words: Social Money
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