每个毕业生都应该知道的十大理财观念_BEC初级作文

每个毕业生都应该知道的十大理财观念

一些学生以前住过公寓，但是毕业后生活就不再是大派对，也不能深夜向室友蹭吃蹭喝。相反，是时候努力应对交通费、医疗费、伙食费、娱乐费以及其他各种杂费了。要计划好一切。很多学生期望一周在饮食上只花50美元。你不能只用米饭和豆子打发自己。你会去熟食店。你会买咖啡。你不必对自己太过苛刻。现实一点就行。就算你想养蛇当宠物也没关系，只要你知道这会花掉多少钱。

Understand cash flow.

理解现金流

Find out not only exactly how much you'll be paid, but also precisely when, and when your bills will arrive.

不仅要弄清楚你到底会拿多少钱，还要确切地知道何时发工资，以及何时会收到账单。

Keep an emergency account.

留有应急资金

Bad things happen, and they will happen to you. You'll be sick. You'll be hurt. Life will happen to you the same ways it does to everyone else. Be prepared mentally and financially for this reality.

总会有不好的事情发生，它们也会降临到你头上。你会生病，会受伤。生活对待你的方式和对待他人并没有不同。对这一现实要做好思想上和经济上的双重准备。

Know when to use a debit card or credit card.

知道何时用借记卡或信用卡

I think students should have credit cards. They are safer from theft than debit cards, and paying off a credit card every month will help a young person build a credit history and, hopefully, a good credit score. However, for routine purchases like going out to eat, buying gasoline or going to a movie, students should use a debit card. It will protect you from the typical 'I spent how much this month?' experience. Credit cards should be for major, significant purchases.