After his class, he has lunch. 4000 won
He has free time after lunch, so he goes to the billiard hall or goes to a café with his girlfriend. 14000 won
At night, he phones his girlfriend, chatting for almost an hour. About 7200won
Sometimes he drinks with his friends in the evening. 10000 won
This is how much Ji-hun normally spends a day. He has a part time job and receives some pocket money from his parents, but he finds himself almost running out of money at the end of a month.
“Where’s my money gone?” Ji-hun thinks, looking into his empty wallet.
Is your case similar to Ji-hun’s? Many parts of our activities - buying books, electronic machines and clothes, or going somewhere, or meeting people - are related to consumption. By spending money or time, we can satisfy our wants. By purchasing goods, we can express who we are to others. In a certain point of view, consumption can be a way of existence. The sentence, “I spend therefore, I am” is an example to show how consumption is a way of existence. The sentence, which is a transformation the phrase Rene Descartes said - “I think therefore, I am” - is used in books, on the Internet, etc. Hence, how to spend money well is as important as how to save money.
“Geonjians~ how are your monthly expenses?”
The CBNU Globe researched Geonjians’ average monthly expenses through surveying 200 students.
They were asked where they spent money most. In both genders, the expense of food took up the largest part of their spending on average.
However, in the case of female students, the average figures show that the percentage of money spent buying clothes took the second largest part. On the other hand, in the case of male students, the expense of entertainment shows the second highest percentage among the six categories.
This graph shows average monthly expenditures of male and female students at CBNU. The percentage of students spending money under 300,000 won per month was greatest, showing a little more than 50%. In the range from 300,000 to 400,000 won, female students’ figures appear at 32%, which is about seven percent more than male students.
According to the research data, it appears that most students take out money from their purse whenever they need, rather than plan how much money and where they will spend before taking an action.
Steps toward being an economical consumer
Do any of the things below apply to you? Check them now!
① I bring various coupons, discount cards, and point cards wherever I go.
: Nowadays, many restaurants and cafes provide coupons. Each time you eat there and show your coupon, they stamp it. If you fill all the blanks with the stamps, then you can have a free cup of coffee or food. You can find easily that many Geonjians make good use of coupons. Also, some shops discount the price or give points if you show certain cards. To an economical consumer, these cards are essential.
② I always collect cash receipts when I pay in cash.
: It is a part of the government’s policy. If you ask to issue a cash receipt every time you buy something, you can obtain a tax deduction at the end of the year.
③ I keep an online housekeeping account book.
Have you ever used an online housekeeping account book?
It is similar to the pocket money book you kept when you were in elementary school. However, it is more convenient. The advantage of the online-housekeeping book is that, when you type your incomings and outgoings, you can check how much money is left in your balance, as well as how much and where you spent money compared to last month at the same time.
④ I usually do “Dutch treat” when I have meals with friends.
: Do you usually pay the bill when you have lunch or dinner with your friends or sweetheart? It seems many boyfriends still pay the whole bill when they have a date with their girlfriends rather than pay their own share separately. By doing Dutch treat (each person paying separately), you can decrease your expenditures.
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