The latter is to develop a frugal consumption concept of living within one's means.
About investment and financial management, it is a knowledge, please add it to the students downstairs. Let me focus on reducing expenses.
For ordinary working-class or student groups with little money at hand, reducing expenses is more important and realistic, and it is also the basis for cultivating financial awareness. For each expenditure and income, develop a good habit of keeping accounts on weekdays, and make regular statistical analysis to find out which expenditures are necessary and which are profligate; Only in this way can we live within our means and the water will flow forever.
You can use smart phone software or Excel files to keep accounts, query and make statistics at any time. Such as: "smart small account book". Log in to China Unicom wostore (net _ address:store.wo.com.cn) or China Mobile Market (net _ address: mm. 10086.cn) according to the mobile phone card.
Search: Smart has screenshots and more detailed instructions for reference.