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Tips on wealth management
People usually earn an allowance before they become university students. After becoming university students, they normally work a part-time job to earn their own pocket money. So today I will introduce some simple but important tips on wealth management for university students.

1. Cut down on your unnecessary spending!
After you enter university, you can see that you spend much more money than when you were younger. This money is usually spent on textbooks or paying for meals. But there is obviously unnecessary spending! To reduce this spending, you should make a habit of writing a household ledger. You can maintain it by the following method. First, you prepare a notebook and write the basic costs of living on its first page. Then, you should try not to pay for other things besides these essential items. It can be difficult at first, but you can reduce unnecessary spending more and more as time passes.

2. Let¡¯s make a feasible plan for making a deposit!
You should make a deposit after planning to reduce expenses. And you have to learn how to save better. If you want to accumulate a large sum of money, installment savings are better. Or if you want to reap a golden harvest in a short period of time, investing in stocks or funds is better. So let¡¯s look at savings accounts.
Various kinds of accounts
Here are three representative kinds of accounts in which you can make a deposit.
Money Market Deposit Account : People can withdraw and deposit freely but there is little interest.
Cash Management Account : This account earns interest through investing your money in various bonds, including treasury bonds.
Deposit and Installment Saving : Banks give 6~7% interest on this account. However, if you close an installment savings account before the expiry date of the contract, you cannot receive any interest.

3. Use Social Commerce!
Recently, the best creation of the propensity to consume is ¡®Social Commerce¡¯. It works through making group purchases, so you can buy things you need. Besides, there are many things on the Social Commerce web site. So you can enjoy your own consumption intelligently.

Park ji-min  applemaro@changwon.ac.kr

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