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大学生“怎么花钱”更该关注

2017-09-11 07:32:38   央广网

作者:戎丽娟

【新闻随笔】

开学季,大学生的生活费又成了媒体热议的话题。一份2016年大学生消费理财观的调查显示,中国大学在校生月均消费1212元;有媒体调查称,近三成在京大学生每月生活费超过1600元。这还不算手机、电脑等动辄上万元的电子设备。因此,不少家长感慨压力山大,媒体也照例批评大学生“不体谅父母,花钱太多”。

这种批评可以理解。表面上看,2016年,全国居民人均月消费支出也就1426元,而基本没有收入的大学生的月均消费已接近这个平均水平。

但是,大学生已经是一个成年人了,理应有着与成年人相同的需求:不光是满足自己的生存所需,也要满足社交、个人兴趣发展等需要。而且,一个人该花多少钱这个问题,答案实在不该只是一个简单的数字。就像吃一顿饭要花费多少钱,不同收入水平的人回答肯定大不一样。大学生的消费水平也是一样,首先要考虑的是家庭经济水平。

在这个基础上,更重要的问题是:钱花到哪儿去了?大学四年,是大多数学生为走进社会做准备的最后一站,无论是在知识技能的储备上,还是在人际交往的情商上,又或者是关于金钱的“财商”培养上,都在与社会衔接。因此,一味地要求大学生“省钱”,压抑消费需求绝不是明智之举。重要的是引导大学生把钱花在刀刃上。

“会花钱”比“不花钱”“少花钱”更重要。笔者就是一个反面案例。由于长期受“勤俭节约”的教育,在上大学期间,笔者对任何一项支出都要再三衡量是否值得,而大多数培训和考试的费用并不低廉,所以,当笔者还在反复权衡性价比的时候,较少“节俭”心理负担的同学已经完成了培训,瞄准下一个目标了。作家闫红曾经比较过她和弟弟的人生,反思我们由于过于重视“匮乏教育”,导致“人”这个最终的目的反而被忽略了。

所以,只要钱花得值,多花钱并不等于“败家”。而判断钱花得是否值,应该看是否有利于提升自己。要尽量减少享受型消费,增加投资型消费,在量力而为的基础上,努力提升自己的理财能力、挣钱能力。

近年来,由于针对大学生的诈骗案件频发,校园贷也屡屡爆出巨额借贷无法偿还的新闻,越来越多的专家提倡高校增设“财商”教育课程。而多项调查表明,大学生的“财商”普遍较低,存在很多误区,比如超半数大学生认为“不欠债、不贷款才是最好的理财方式”,消费没有计划,随心所欲等,这可能是比花了多少钱更重要的问题。

因此,单纯地讨论“大学生是否花钱太多”,可能还是我们多年的匮乏教育下的思维惯性。怎样花钱也是要学习的,消费观的培养需要有一个过程,与其关注花了多少钱这个简单的数字,不如建议家庭和学校都重视“财商”教育的问题,从小培养良好的消费观。

(作者:戎丽娟)

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