In today's globalized context, more and more Chinese students are choosing to go to Europe for further studies and pursue higher academic achievements. However, the road to studying abroad is not always easy, especially when it comes to the economy, and many students face unprecedented challenges. This article will take a Chinese student studying for a PhD in Europe as an example, analyze the reasons behind his "moonlight" life, and discuss how to achieve a balance between financial independence and quality of life while studying abroad.
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1. Analysis of the current economic situation: the tug-of-war between wages and expenses
First, let's look at the current financial situation of this PhD student. The salary of 2,400 yuan per month (assuming that the actual exchange rate may fluctuate in RMB) is only 1,800 yuan after the arrival of the salary, which reflects the general situation of the salary of doctoral students in Europe - although they can maintain a basic life, it is difficult to have too much surplus. Rent and food expenses account for the majority of expenses, especially the rent is as high as 700 yuan (including housing subsidy), accounting for almost one-third of the total income. In terms of food expenses, although it seems that the standard of more than 20 yuan per day is not a luxury, the cost of dinner fruit is obviously high (15 euros is about 110 yuan), which to a certain extent reflects the personalized choices and possible consumption misunderstandings of international students.
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2. Consumption concept and survival strategy: behind the moonlight clan
The reason why this doctoral student became a "moonlight family" is closely related to his consumption concept and survival strategy in addition to basic living expenses. On the one hand, he pursues a certain quality of life, such as buying clothes, daily necessities, fitness cards, etc., which are common living expenses of modern young people; On the other hand, he loves to travel and vacation, which adds an additional financial burden to a certain extent. In addition, the use of supplementary credit cards also reflects their possible propensity to spend ahead of time. The combination of these factors has kept his financial situation in a tense state.
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3. Comparison and Reflection: How to Save for a Down Payment While Studying for a PhD in Europe?
Faced with online comments about the possibility of saving for a down payment while studying for a PhD in France, the international student was confused. In fact, whether or not you can save for a down payment depends on a variety of factors, including but not limited to professional orientation, scholarship status, personal spending habits and financial ability. PhD students who are able to save for a down payment may have more scholarship support, a lower cost of living, or greater financial literacy. Therefore, for this international student, if you want to change the status quo of "moonshine", you can start from the following aspects:
1. Optimize the consumption structure: reduce unnecessary expenses, such as reducing the expenditure on fruits for dinner, and find more economical dining options.
2. Enhance financial awareness: learn basic financial knowledge and reasonably plan the use of funds, such as opening savings accounts and purchasing low-risk wealth management products.
3. Actively apply for scholarships and research assistantships: Strive for more scholarships and research assistantships through academic performance to reduce financial pressure.
4. Arrange leisure activities wisely: While traveling is a great way to relax, you should control your frequency and budget moderately, and avoid overspending.
4. Conclusion: The economic wisdom of studying abroad
The road to studying abroad is challenging, but it is also a source of growth and gain. In the face of financial pressure, international students should learn to use economic wisdom, plan their expenses reasonably, and enhance their financial management skills, so as to achieve both economic independence and quality of life. At the same time, all sectors of society should also pay attention to the economic situation of international students, provide them with more support and help, and jointly create a better environment for studying abroad.