thetopicofmyspeechisbudgetingforlife,getreadyfromthismomentfromthispenny。 somedayiwentshoppingwithmyroommates,afterleavingthecheckoutcounter,ipickedoneitemfromagirlrsquo;sbagandaskedher:lsquo;hey,itrsquo;sprettywrappedup。howmuch?rsquo;afterlongpausewithnoresponse,shamefullyshesaidlsquo;beatsme,iseldomcareprices。rsquo;thetalkwasoverthentherecametheonedeservedthinkingwhenwegointorapturesatthesightofluxuries,haveweeverthoughtofourfinancemanagement? ladiesandgentlemen, theseyears,underparentsrsquo;lovingcare,collegestudentshavetakenpurchaseforgranted。however,independentsurvivalrsquo;sjustaroundthecorner。whenyouthshangingoutinstarbucksoveracupofcoffee,whenwelavishlysquanderingparentalsponsoronbrandnames,whenfinancialabilityfallingintoneglectintextbooks,whenthefinancialcrisisengulfingtheentireworld,reallifersquo;sairingalarms。theabilityinwellmanagingfinancemattersrelatestonotonlyourpresentlivingcondition,butalsoourfutureidealrealization。herethankstothisarenathaticansharewithyouwhatirsquo;velearnedduringcollegelifeonfinancemanagement。 initially,forusstudents,apennysavedisapennyearned。luxuriesmakeushappy,butweneedtobalancewhetherthesefancygoodsareworththeprice。actuallyitrsquo;seasytosavemoney。justmakealistofwhatwehavetopayforeachmonth,suchasyourmealcard,transportationcardandotherbasicexpenses。apartfromthelist,setasidesomemoneyforyourpreferableentertainmentorsocialcontactasplanned。onlywellbudgetfortodaycanwewellbudgetforfuture。particularly,behonesttoyourfinanceplanandwersquo;llsee。 whatfollowsisstudycomesfirst。distinctperformanceonstudybringsgenerousscholarship。itrsquo;scrystalclearwhatstudentsshoulddoduringschoolingsowhynotfulfillourduty?maybeinbusinessonecouldworkhardwithnogains,butinuniversityonersquo;seffortsonstudycanalwaysbepaidoff,withhighrespectandgoodreward。whatrsquo;smore,studyofinvestmentandfinancetheoriesguidesustomakerationaluseofresourcesontherighttrack。 besides,parttimejobisoughttobepartofourcollegelife。intermsofmoneymanagement,parttimejobteachesushowchallengingtoearnmoneyandhelpsdevelopthriftiness。inaddition,concurrentlyholdingajobandstudycultivatesustomakesensibleuseofourtimeaswellasourmoney。furthermore,wemightaswellsetfootininvestmentmarket,notforafortune,butformoreunderstandingincaseoffutureneed。 nowwearestudentssupportedbyfamily,butthedaywehavetomakelivingandmanagelifebyourselveswillcomeeventually。tillnowihavegainedmorethantwentythousandrmbfromscholarshipandparttimejobsandasfarasyouarewillingto,youcanbebetter。wealwayssayopportunityknocksatonersquo;sdoorthatiswellprepared。financepracticeinuniversityisthebestinternshiptogetreadyforfuturefinancialchallenges。 ladiesandgentlemen,fromnowon,pleasereflectonourselves,stophankeringaftermaterialcomfortandunrealisticcompare。attempttocounteverycentandmakeeverycentcount,becausethefutureweseekforiswellworthtodayrsquo;sefforts。