1. Budgeting 做預算

    The first step to living responsibly is to budget your money. Although many people have negative feelings towards budgeting, because they feel it is constrictive or controlling, you should realize that budgeting allows you more freedom. By choosing where you are going to spend your money before you spend it, you are controlling your future. Budgeting will help you to save for the future, and stop you from accumulating a lot of debt. If you do not want to constantly track your expenses, you may consider using an envelope system for your budget.

    負(fu)責(ze)任(ren)地(di)生(sheng)活(huo)，第(di)一(yi)步(bu)就(jiu)是(shi)做(zuo)預(yu)算(suan)。雖(sui)然(ran)很(hen)多(duo)人(ren)對(dui)預(yu)算(suan)都(dou)有(you)不(bu)好(hao)的(de)看(kan)法(fa)，覺(jiao)得(de)預(yu)算(suan)讓(rang)人(ren)倍(bei)受(shou)束(shu)縛(fu)
，但(dan)你(ni)應(ying)該(gai)清(qing)楚(chu)是(shi)預(yu)算(suan)給(gei)你(ni)了(le)更(geng)多(duo)自(zi)由(you)。理(li)性(xing)選(xuan)擇(ze)開(kai)銷(xiao)所(suo)在(zai)
，你(ni)也(ye)是(shi)在(zai)掌(zhang)控(kong)著(zhe)自(zi)己(ji)的(de)將(jiang)來(lai)。預(yu)算(suan)使(shi)你(ni)為(wei)未(wei)來(lai)存(cun)錢(qian)，防(fang)止(zhi)積(ji)累(lei)越(yue)來(lai)越(yue)多(duo)的(de)負(fu)債(zhai)。如(ru)果(guo)你(ni)不(bu)想(xiang)每(mei)天(tian)記(ji)賬(zhang)跟(gen)蹤(zong)花(hua)銷(xiao)
，你(ni)還(hai)可(ke)以(yi)把(ba)一(yi)月(yue)預(yu)算(suan)放(fang)進(jin)信(xin)封(feng)裏(li)。

    2. Finding Your First Apartment 尋找住處

    Once you are finished with school and start your own job, it is important to find housing for yourself. Generally you are better off waiting to buy at least one year. This will help you to establish job security, and make sure that you like the area that you live in. You may be ready to have your own apartment without roommates, or you may choose to still have one roommate.

    學(xue)校(xiao)畢(bi)業(ye)
，開(kai)始(shi)工(gong)作(zuo)，你(ni)需(xu)要(yao)為(wei)自(zi)己(ji)尋(xun)一(yi)個(ge)住(zhu)處(chu)。一(yi)般(ban)來(lai)說(shuo)一(yi)年(nian)以(yi)後(hou)再(zai)考(kao)慮(lv)買(mai)房(fang)的(de)事(shi)，這(zhe)一(yi)方(fang)麵(mian)幫(bang)你(ni)建(jian)立(li)工(gong)作(zuo)安(an)全(quan)性(xing)，一(yi)方(fang)麵(mian)確(que)保(bao)你(ni)是(shi)否(fou)喜(xi)歡(huan)現(xian)在(zai)的(de)環(huan)境(jing)。你(ni)可(ke)以(yi)獨(du)居(ju)一(yi)室(shi)，或(huo)者(zhe)找(zhao)人(ren)合(he)租(zu)。

    3. Paying Student Loans 繳還助學貸款

    If you borrowed money to attend school, it is time to begin paying on your student loans. This process may seem like it takes forever, but you can do things to speed up the process. Make it a goal to pay off your student loans early, so that you can free up the money you have to pay towards the loans. You can save money on your loans by consolidating them and locking in a lower interest rate. Additionally you may need to consider other payment options if your budget is tight.

    如(ru)果(guo)上(shang)學(xue)時(shi)申(shen)請(qing)了(le)貸(dai)款(kuan)，現(xian)在(zai)還(hai)錢(qian)的(de)時(shi)候(hou)到(dao)了(le)。這(zhe)個(ge)還(hai)錢(qian)的(de)過(guo)程(cheng)也(ye)許(xu)看(kan)上(shang)去(qu)很(hen)漫(man)長(chang)，但(dan)你(ni)是(shi)有(you)辦(ban)法(fa)縮(suo)短(duan)它(ta)的(de)。確(que)立(li)一(yi)個(ge)目(mu)標(biao)，盡(jin)早(zao)還(hai)清(qing)貸(dai)款(kuan)
，也(ye)就(jiu)盡(jin)早(zao)減(jian)輕(qing)這(zhe)部(bu)分(fen)開(kai)支(zhi)壓(ya)力(li)。你(ni)可(ke)以(yi)通(tong)過(guo)合(he)並(bing)還(hai)款(kuan)的(de)方(fang)式(shi)把(ba)利(li)律(lv)降(jiang)低(di)
，以(yi)節(jie)省(sheng)金(jin)錢(qian)。如(ru)果(guo)你(ni)預(yu)算(suan)緊(jin)張(zhang)
，就(jiu)需(xu)要(yao)另(ling)行(xing)尋(xun)找(zhao)還(hai)款(kuan)方(fang)案(an)了(le)。

    4. Insuring Yourself 為自己投保

    Now that you are truly out on your own, you are responsible for all of your expenses and emergency situations. You should make sure that you have health insurance, no matter what. Additionally you may be considering several different insurance options offered through your employer. Do not forget to get renter's insurance. This will protect you against theft and fire in your apartment.

    wanquanyikaozijishenghuo

，nijiuduizijidezhichuhejinjishixiangfuze。wulunruhe，nidouyinggaiyouyifenjiankangbaoxian。lingwainikeyikaolvyixianidegongsitigongdebaoxiancuoshi。buyaowangjigoumaiyifenfangwuzulinbaoxian
，zhenengbaohunizaizaoyudaoqiehehuozaishidedaopeichang。

    5. Understanding Your Benefits 了解你的津貼

    Now that you have your first real job, you may have all types of questions about your benefits and your salary. You should take advantage of your benefits. They can help you to save money both on your taxes and in your other bills. You may be wondering how to make your paycheck stretch a little bit further each month, you can do this by lowering your taxable income through a flexible spending account.

    擁(yong)有(you)第(di)一(yi)份(fen)真(zhen)正(zheng)的(de)工(gong)作(zuo)後(hou)
，你(ni)會(hui)對(dui)自(zi)己(ji)的(de)津(jin)貼(tie)和(he)薪(xin)水(shui)產(chan)生(sheng)很(hen)多(duo)疑(yi)問(wen)。要(yao)充(chong)分(fen)利(li)用(yong)自(zi)己(ji)的(de)津(jin)貼(tie)。它(ta)能(neng)在(zai)繳(jiao)稅(shui)和(he)其(qi)他(ta)賬(zhang)單(dan)上(shang)幫(bang)助(zhu)你(ni)。怎(zen)樣(yang)能(neng)讓(rang)薪(xin)水(shui)支(zhi)票(piao)上(shang)的(de)數(shu)字(zi)每(mei)月(yue)增(zeng)長(chang)一(yi)點(dian)點(dian)
？你(ni)可(ke)以(yi)通(tong)過(guo)津(jin)貼(tie)發(fa)放(fang)調(tiao)低(di)計(ji)稅(shui)收(shou)入(ru)來(lai)實(shi)現(xian)這(zhe)一(yi)目(mu)標(biao)。

    6. Managing Your Accounts 管理個人賬戶

    Managing your money from day to day is essential to finding financial freedom. Once you start working you have more flexibility with your money. You will have more money to spend, and more opportunities to borrow money. You should take these added opportunities seriously. If you have accumulated credit card debt while in college you should work on getting out of debt now. You should also learn how to manage the credit resources that you have available to you now.

    xunqiujingjiziyoudebiyaozhichuzaiyumeitianguanliqiancai。kaishigongzuozhihouhuaqiangengyouyudi
，yougengduojihuihuaqian
，yougengduojihuijieqian。zhexieduochulaidejihui，niyidingyaoxiaoxinduidai。ruguozaidaxueqijianniyijingjileilexinyongkazhaiwu，nixianzaiyinggaizhiliyuhaiqingtamenle。niyeyinggaixuehuiguanlininengliyongdezhexiexinyongziyuan。

    7. Investing for Your Future 為將來投資

    The most important thing you can do now is to make your money work for you. By doing this you can shorten the number of years that you need to work and retire much earlier. Additionally you will be able to live much more comfortably over the years. A little sacrifice now will have huge payoffs in the future. You should remember that accumulating stuff is different than building true wealth. You should also take the time to learn as much as you can about money and investing.

    目mu前qian最zui重zhong要yao的de事shi情qing是shi讓rang你ni的de錢qian為wei你ni工gong作zuo。這zhe樣yang一yi來lai你ni可ke以yi縮suo短duan工gong作zuo時shi間jian，早zao一yi些xie享xiang受shou退tui休xiu生sheng活huo。另ling外wai
，這zhe些xie年nian你ni也ye能neng生sheng活huo得de更geng舒shu適shi。現xian在zai一yi點dian小xiao犧xi牲sheng，將jiang來lai能neng有you大da收shou獲huo。要yao清qing楚chu的de是shi建jian立li真zhen正zheng財cai富fu並bing非fei簡jian單dan的de積ji累lei

，你ni需xu要yao花hua更geng多duo的de時shi間jian去qu學xue習xi理li財cai和he投tou資zi。