Spend money with a plan-woodmam

Second, moral spending. We can use the pocket money we save to support the reconstruction of disaster areas, or we can donate to Project Hope. If we can use the money we save to donate, it is more of a noble and moral performance.

  Third, developmental spending. We can save money to pay tuition and buy books for school under the guidance of our parents. This kind of consumption is not only for our own further development, but also to save money for our parents, which can be considered as sharing their worries.

  Fourth, sociable consumption. It is one of the traditions of Chinese people to send a little gift to congratulate friends and relatives on their birthdays and festivals. But some primary and secondary school students interpret this as unrestrained treats and gifts, and even many people on their birthdays, a big feast. In fact, this is also a kind of waste. In fact, we can use our pocket money to buy a small, meaningful and inexpensive gift on the birthdays of our relatives and friends to express our feelings. As long as we express our sincerity, this is not only saving, but also to maintain the feelings of each other.

  Fifth, savings. When we have money in our hands, we should not spend it all at once. We can save under the guidance of our parents, we can try to learn to manage money. Savings is one of the good ways.

  Fourth, spend money with a plan.

  Because there is no plan and arrangement for spending money, many people often cereal, in the end, only to find that they have fallen into a difficult situation. For our primary and secondary school students, perhaps this point is not reflected for the time being, because we are still mostly eating and living at home, but once we leave home, need to face the problem alone, the disadvantages of the past spending money without a plan will appear. The following is a lesson learned from a college student.

  When I first started college, my dad and I agreed to send me 500 yuan for living expenses on the 15th of every month. Because of the irregularity of the expenses, I found a reason to go to the campus restaurant with my roommates to splurge on a meal on two days. For the first month, my father tolerated me and sent me the second month's living expenses in advance. However, I couldn't break my habit and continued to do so in the second and third months. Finally, with the fourth month's collection date nowhere in sight, I was strapped for cash again.

  I had no choice but to send home a very short telegram: "Dad, starving."

  Dad quickly wired back, also briefly, "Son, starve."

  Life was so great that for 10 days after that, with only $10, I racked my brain to scrimp on food and clothing, and I made every penny count before I shot, and surprisingly, I made it through those hard times.

  From then on, I learned to be careful with my money and found that, in fact, as long as I curbed my unnecessary expenses a little, 400 yuan a month would be enough to live on. This way, every month I can save up some surplus, which can be used to buy books, tapes, CDs, trips, donations, and of course eating at restaurants, but it is certainly much more interesting than spending it singularly on food.

  These are just a few ways to help us develop the habit of saving. As long as we really follow these methods, we will definitely make the money our parents earn create more value in us.

  3. Self-assessment

  Do you often throw dishes that you don't like on the table?

  For clothes that are already old, you always throw it at the bottom of the cupboard and never wear it, and then often ask your parents to buy clothes for you.

  seeing that other students have fancy toys and school bags, you at least want to be the second person to have them.

  you make sure to buy very expensive gifts for your best friends' birthdays, because when you have a birthday, you want them to give such gifts to you too.

  you never had the idea that you wanted to keep your year-end money in the bank

  you refused the offer of your parents to pay school fees with your year-end money, believing that the parents should take the money out to pay the school fees, not you.

  if the school offered to make a donation, you would go home and ask your parents for money and never thought of using your pocket money

  Your parents always gave you all the week's allowance every Monday, but strangely enough, every time it was less than Wednesday, the money in your pocket was gone.

  Because the family is very rich, so you think that making money is actually a very easy thing to do.

  Chapter 2 correcting bad habits

  A. Blindly climbing and showing off

  1. Concept and connotation

  The so-called blind comparison and bragging is to compare with others and boast to people regardless of the actual situation under unclear understanding. This is a common bad habit among contemporary primary and secondary school students.

  Everyone is a consumer, and in order to survive, we all need money. With money, we are able to buy the things we need. However, we often feel that we do not have enough money, which makes us feel frustrated and thus envious of those who have more money than us. Many people believe that happiness comes from money and that without money there is no happiness. Especially for us elementary and middle school students, we have a more direct and greater understanding of the economy and money than any of our peers in previous generations. We are increasingly making up our own minds and have many of our own material needs, yet we have no income with both hands.

  This is a fact and we have to face it. We have all kinds of needs, but we don't have the corresponding ability to meet all of our needs. When there is a conflict between the two, some elementary and middle school students approach it with blind comparison and showing off. There is a fable.

  One day, the animals decided to do a great thing in order to meet the problem of the birth of the so-called "new world", so they created a school.

  The school offered activities such as running, crawling, swimming and flying. To make it easier to manage, all the animals participated in each of the courses.

  The duck was outstanding in the swimming program, even better than the teacher, but in flying, it just barely passed, and the running performance was even worse because it ran too slowly. So after school he had to give up swimming and stay to practice running, and he continued to practice until his webbed feet were worn out, but he still only passed swimming. But the passing standard only applies to school, so no one cares about it except for the ducks who have to go to school.

  At first, the rabbit was at the top of the class in running, but before long, it was feeling nervous because of the tedious make-up work before swimming.

  The squirrel excelled in the crawling course until one time in flying class, the teacher asked it to take off from the ground instead of sliding down from the treetops, but it caused it great psychological frustration. Later, he suffered from limb spasms due to over-exercise, making him score only 70 points in the crawling and running course, just passing.

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