Given that it's now mid-June, and pretty much everyone that will be graduating from college this year has done so, I though I'd spend a bit of time putting together a short list of financial tips for the recent graduate. Here goes:

    1. Spend less than you earn. This is perhaps the most worn out, overused phrase in the world of personal finance. But guess what? It's also the single most important financial lesson you'll ever learn. No matter how hard you work and how much money you earn, you'll never achieve financial security if you spend more than you earn, so… Do whatever it takes to make sure that this doesn’t happen. This takes self-discipline, and might require constructing (and sticking to) a budget, but if you ever want to get to a point where you can afford all the little niceties in life, you need to make it happen.

    Remember: If your outgo exceeds your income, your upkeep will be your downfall. 

    2. Plan for the future. I’ve been where you are, and I know that “the future” seems like it’s a million miles away. Do yourself a favor. Sit down and define short, intermediate, and long-term goals and then put together a plan for getting there. It’s not easy, and you probably won’t get it right at first (see also #4) but once you do this, you’ll have something concrete to work from (and to modify in the future). Start small and work your way up.

    Open an online savings account and start making auto-transfers into to build up an emergency fund. Sign up for your company’s 401(k) and make regular contributions. Come up with a plan for ditching your debt. Open an IRA (either Traditional or Roth) and start funding it. And read books about money and investing so you’ll be ready to take the next step when the time comes.

    Whatever you do, don’t wait.

    3. Be patient. Building a solid financial foundation takes time. Don’t look for shortcuts or try to strike it rich overnight with the latest hot investment tip. Likewise, don’t make major financial decisions without fully considering the ramifications. This isn’t to say that you should be paralyzed fear. Rather, you need to do your homework. Turns those unknwowns into knowns, and then make an informed decision.

    4. Learn from your mistakes. Nobody’s perfect. You’re bound to make mistakes, especially when you’re just starting out. The important thing is to learn from them and move forward. If you make a bad financial decision, make a note of it and get yourself back on track. Don’t beat yourself up, and don’t throw in the towel.

    現(xiàn)在已經(jīng)是六月中旬了，幾乎所有今年的畢業(yè)生就要從大學(xué)畢業(yè)了。我想，我該花些時(shí)間為這些即將畢業(yè)的學(xué)生整合一份簡(jiǎn)短的理財(cái)建議清單。如下所示：

    1、支出要少于收入。這個(gè)說(shuō)法在個(gè)人理財(cái)中已經(jīng)是陳詞濫調(diào)了。但細(xì)想一下，它又是你要學(xué)習(xí)的最重要的專(zhuān)一理財(cái)課程。不管你工作有多努力，不管你會(huì)掙多少錢(qián)，如果你花去的錢(qián)比你掙的錢(qián)還要多的話(huà)，你就永遠(yuǎn)沒(méi)有經(jīng)濟(jì)保障了，所以……一定要盡一切辦法來(lái)避免這樣的情況發(fā)生。這就要求自律了，或許還需要做個(gè)預(yù)算。但是如果你想在你的生活里面找到一個(gè)有細(xì)微區(qū)別的地方的話(huà)，那你就讓它發(fā)生吧。

    切記：如果你的花銷(xiāo)超出了你的收入，你賴(lài)以生存的東西將變成你墮落的根源。

    2、規(guī)劃未來(lái)。我也是從你們的階段走過(guò)來(lái)的，我知道，在你們眼中，“未來(lái)”是很遙遠(yuǎn)的事情。為自己做件樂(lè)事吧。坐下來(lái)寫(xiě)寫(xiě)自己短期，中期和長(zhǎng)期的目標(biāo)，然后放一塊兒，作為一個(gè)奮斗目標(biāo)。這不是一件容易做到的事，你可能不會(huì)一次就能把未來(lái)規(guī)劃做對(duì)，但是，一旦你做了規(guī)劃，你就會(huì)去做一些實(shí)實(shí)在在的事(和在將來(lái)有所改正)，從小事做起，會(huì)使你以后的路變得積極向上。

    開(kāi)一個(gè)網(wǎng)上儲(chǔ)存賬戶(hù)，自動(dòng)轉(zhuǎn)帳來(lái)建立一個(gè)應(yīng)急基金。在你工作的公司報(bào)名401(k)計(jì)劃，然后定期付款。制定一個(gè)還請(qǐng)債務(wù)的計(jì)劃。開(kāi)個(gè)人退休賬戶(hù)(傳統(tǒng)，非傳統(tǒng)的都可以)，然后開(kāi)始投資。閱讀一些關(guān)于金錢(qián)與投資的書(shū)，這樣，待時(shí)機(jī)成熟，你就可以隨時(shí)邁出第一步了。不管你做哪一個(gè)，都別等。

    3、要有耐心。打造一個(gè)堅(jiān)實(shí)的經(jīng)濟(jì)基礎(chǔ)是需要時(shí)間的。不要指望走捷徑，也不要寄望于通過(guò)得到最新的熱點(diǎn)投資信息一夜暴富。同要地，沒(méi)有充分全面考慮之前不要做什么重要的經(jīng)濟(jì)決定。這并不是說(shuō)要你畏首畏尾，相反，是需要你做足準(zhǔn)備，把不懂的弄懂，然后再做一個(gè)有依據(jù)的決定。

    4、在錯(cuò)誤中吸取經(jīng)驗(yàn)教訓(xùn)。人無(wú)完人，你一定會(huì)犯錯(cuò)的，特別是剛剛開(kāi)始的時(shí)候。最重要的是要從中學(xué)習(xí)經(jīng)驗(yàn)教訓(xùn)，接著繼續(xù)前進(jìn)。如果你做了一個(gè)很糟糕的經(jīng)濟(jì)決定，記下來(lái)，再重新步入正確的軌道。千萬(wàn)別自己打擊自己。也千萬(wàn)不要輕言放棄，承認(rèn)失敗。