{"id":5863,"date":"2026-01-07T09:00:00","date_gmt":"2026-01-07T08:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/news\/economia-destudiants-com-controlar-les-meves-finances\/"},"modified":"2025-12-29T13:29:38","modified_gmt":"2025-12-29T12:29:38","slug":"student-finances-how-manage-money","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/student-finances-how-manage-money\/","title":{"rendered":"Student finances: how to manage money"},"content":{"rendered":"
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Els diners formen part de la nostra vida des de ben petits. Amb les primeres monedes que posem a la guardiola, els diners que ens donen els avis per l\u2019aniversari, la primera feina d\u2019estiu, l\u2019ajuda dels pares per comprar-nos els primers capricis\u2026 I de sobte, arriba la majoria d\u2019edat i, entre molts d\u2019altres canvis, per primera vegada tenim el control sobre els nostres diners. Per\u00f2 realment ens han ensenyat a gestionar-los? Serem capa\u00e7os d\u2019independitzar-nos, d\u2019arribar a final de mes? La resposta \u00e9s que, sens dubte, s\u00ed, controlar tot aix\u00f2 est\u00e0 a les nostres mans, i nom\u00e9s necessitem una mica d\u2019organitzaci\u00f3 per treure\u2019n el m\u00e0xim rendiment.<\/b><\/h3>\n

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Per qu\u00e8 necessito els diners?<\/b><\/h3>\n

El primer estereotip que hem de trencar respecte als diners \u00e9s comparar-nos amb els altres. Calcular el que tenim o guanyem en funci\u00f3 del que t\u00e9 la gent del nostre entorn no \u00e9s ni ser objectiu ni realista. <\/span>Cadasc\u00fa neix i creix dins un entorn determinat, en unes condicions sobre les quals rarament ha pogut influir<\/b>. Si est\u00e0s estudiant i tot just comences a encaminar el que ser\u00e0 la teva vida, treu-te la pressi\u00f3 de sobre, perqu\u00e8 res est\u00e0 escrit, i <\/span>l\u2019important no \u00e9s on comences sin\u00f3 on pots arribar<\/b>. Aix\u00ed doncs, el primer que ens cal fer \u00e9s <\/span>analitzar la situaci\u00f3 actual i determinar el nostre objectiu a mitj\u00e0 termini<\/b>. No ser\u00e0 el mateix viure a casa dels pares i centrar-nos en els estudis que tenir la voluntat d\u2019independitzar-nos, encara que per aconseguir-ho h\u00e0gim d\u2019invertir part del nostre temps en treballar. Determinar aix\u00f2 ens portar\u00e0 a la seg\u00fcent pregunta: <\/span>quants diners necessito per viure?<\/b><\/p>\n

En aquest punt ja hem de comen\u00e7ar a jugar amb les nostres finances i <\/span>diferenciar les despeses fixes de les variables<\/b>, tal com fan les empreses. <\/span>Les fixes seran totes aquelles que tenim tant s\u00ed com no cada mes<\/b>, com ara el lloguer del pis, el gimn\u00e0s, el preu de la targeta de transport o una subscripci\u00f3 a Spotify. <\/span>En el cas de les variables, seran totes aquelles en qu\u00e8 l\u2019import pot variar d\u2019un mes a l\u2019altre en funci\u00f3 de les nostres necessitats<\/b>. Per exemple, tot i que el menjar \u00e9s imprescindible, no gastarem el mateix un mes que l\u2019altre, i justament \u00e9s un dels punts on podem retallar despesa. Amb aix\u00f2 no ens referim a deixar de menjar o comprar els productes m\u00e9s econ\u00f2mics del mercat, independentment de la seva qualitat. M\u00e9s aviat ens referim a tot el contrari: <\/span>apostar per un consum m\u00e9s responsable<\/b>.<\/span><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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Com puc reduir la meva despesa mensual?<\/b><\/h3>\n

Nom\u00e9s cal mirar l\u2019entorn actual per veure que les tend\u00e8ncies de consum, \u00e9s a dir, el tipus de compra que fa la major part de la societat, est\u00e0 canviant, i <\/span>cada vegada s\u00f3n m\u00e9s les persones que en comptes de comprar en grans superf\u00edcies industrialitzades busquen el producte de proximitat, m\u00e9s qualitat i menys quantitat<\/b>. Aquests petits canvis ens permetran fer una compra amb consci\u00e8ncia, prioritzant nom\u00e9s els productes que necessitem i cuidant al mateix temps la nostra salut i economia. Algun exemple que podem aplicar a la nostra vida di\u00e0ria podria ser beure aigua en envasos reutilitzables (ampolles de vidre o met\u00e0l\u00b7liques) i evitar aix\u00ed la compra di\u00e0ria d\u2019ampolles d\u2019aigua, tot substituint-les per garrafes que s\u00f3n m\u00e9s econ\u00f2miques i ens duraran m\u00e9s temps.<\/span><\/p>\n

El mateix podem fer a l\u2019hora de la compra, portant la nostra bossa per evitar comprar bosses de pl\u00e0stic. Un altre truc \u00fatil pot ser organitzar el nostre men\u00fa setmanal, per saber qu\u00e8 menjarem cada dia i, per tant, qu\u00e8 ens cal comprar. Ni m\u00e9s ni menys. Pel que fa a productes d\u2019higiene, podem optar per paquets familiars, on hi ha m\u00e9s quantitat per menys preu, o b\u00e9 alternatives com les pastilles de sab\u00f3 o les copes menstruals que, m\u00e9s enll\u00e0 de ser econ\u00f2miques, no generen residus. Tamb\u00e9 existeixen botigues a granel on pots comprar nom\u00e9s la quantitat que necessites, sigui de productes alimentaris o de neteja de la llar. <\/span>Investiga la teva zona i busca l\u2019opci\u00f3 que m\u00e9s s\u2019adapti a la teva butxaca<\/b>, recordant sempre que all\u00f2 que s\u2019ha fet sempre, o all\u00f2 que fa la majoria, no sempre \u00e9s la millor opci\u00f3 per tu.<\/span><\/p>\n

Pel que fa al transport, tamb\u00e9 cal buscar aquest equilibri i valorar alternatives al transport privat<\/b>, que suposa un cost m\u00e9s elevat si sumem gasolina, impostos, asseguran\u00e7a i reparacions. <\/span>El transport p\u00fablic o la bicicleta s\u00f3n dues opcions econ\u00f2miques que ens poden ajudar a controlar les nostres despeses al mateix temps que cuidem el medi ambient<\/b>. Fins i tot en el moment de sortir de festa podem retallar despeses si actuem amb consci\u00e8ncia. Reservar amb antelaci\u00f3, aprofitar ofertes i descomptes o marcar-nos la quantitat que volem gastar abans de comen\u00e7ar la nit ens ajudar\u00e0 a mantenir un cert control. Si aquesta \u00faltima part \u00e9s la m\u00e9s dif\u00edcil, <\/span>un truc pot ser portar en efectiu l\u2019import que volem gastar<\/b>. D\u2019aquesta manera, no hi haur\u00e0 marge de passar-nos de pressupost i aix\u00f2 <\/span>ens permetr\u00e0 gestionar millor les sortides, sense gastar ni un euro m\u00e9s del que toca<\/b>.<\/span><\/p>\n

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Controla la teva situaci\u00f3 econ\u00f2mica des del m\u00f2bil<\/b><\/h3>\n

Aquestes s\u00f3n algunes de les recomanacions que ens ajudaran a mantenir el control dels nostres estalvis, per\u00f2 la tasca important \u00e9s <\/span>analitzar la nostra situaci\u00f3 particular i fer-nos les seg\u00fcents preguntes<\/b>: de quins ingressos disposo? Quina quantitat he de destinar a despeses fixes? Qu\u00e8 em queda per destinar a l\u2019oci? Necessito estalviar de cara al futur?<\/span><\/p>\n

Si una cosa tenim a favor, \u00e9s que actualment existeixen aplicacions per gaireb\u00e9 tot. <\/span>Controlar les nostres finances mai ha sigut tan f\u00e0cil<\/b>. La majoria d\u2019entitats financeres s\u2019estan posant les piles des de fa anys perqu\u00e8 l\u2019experi\u00e8ncia del nou client digital sigui intu\u00eftiva i \u00e0gil, de manera que en un sol clic tinguem a la nostra disposici\u00f3 tota la informaci\u00f3 que desitgem, des del saldo total del compte (els diners de qu\u00e8 disposem), fins a les despeses que hem realitzat amb la targeta, veient de manera gr\u00e0fica on estem destinant la major part dels nostres diners. Aix\u00f2 <\/span>ens permetr\u00e0 fer-nos una idea de la nostra situaci\u00f3 actual i cap a on hem de dirigir els esfor\u00e7os futurs<\/b>.<\/span><\/p>\n

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Treballar i estalviar, els dos grans aliats per tenir diners<\/b><\/h3>\n

Una eina clau per gestionar els nostres estalvis s\u00f3n <\/span>les guardioles digitals<\/b>, un espai del compte on posarem els diners que volem destinar a una activitat concreta. El funcionament n\u2019\u00e9s senzill: ens hem de proposar un objectiu, sigui un viatge o alguna cosa que volem comprar, i a partir d\u2019aqu\u00ed calculem quin import haur\u00edem d\u2019ingressar cada mes per aconseguir-lo. <\/span>Cal buscar l\u2019equilibri entre all\u00f2 que desitgem i els nostres recursos actuals<\/b>. Si volem m\u00e9s diners, haurem de treballar m\u00e9s. Si no podem treballar m\u00e9s, els haurem de gestionar de forma m\u00e9s eficient. Per\u00f2, sigui quina sigui la nostra situaci\u00f3, <\/span>prendre el control de les nostres finances i saber en tot moment qu\u00e8 est\u00e0 passant al nostre compte corrent \u00e9s indispensable<\/b>.<\/span><\/p>\n

L\u2019\u00faltim consell \u00e9s no perdre de vista que mai caminem sols. Tenim pares, familiars i molta gent al voltant que ens pot ajudar a entendre qu\u00e8 significa tot all\u00f2 que t\u00e9 a veure amb els diners, que, en definitiva, \u00e9s entendre com funciona el m\u00f3n actual. Tenir el seu suport i seguir els seus consells ser\u00e0 un pilar indispensable perqu\u00e8 aquest primer contacte amb el m\u00f3n de les finances sigui clar i comprensible. <\/span>Quan prenem el control dels nostres diners, estem prenent el control de la nostra vida<\/b>.<\/span><\/p>\n

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11Onze \u00e9s la comunitat fintech de Catalunya. Obre un compte descarregant la super app El Canut per <\/b>Android<\/b><\/a> o <\/b>iOS<\/b><\/a>. Uneix-te a la revoluci\u00f3!<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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