如何理财英语

我们大学生要怎样学会理财呢How do we college students learn to manage money

With the fast economic development, people have their living standard improved. A lot of families are no longer worried about the money problem. Parents want to give their kids better life in the aspect of material. When their kids leave home for college, parents always give them lots of money and tell them again and again that “buy what you want” ”eat more nutritious food” ”don’t save money for home” ”if no money, tell me, I will give you” and so on.随着经济的快速发展，人们的生活水平有所提高。很多家庭都不用再担心钱的问题。父母都想在物质方面让他们上更好的生活。当他们的孩子离开家去上大学的时候，父母总是给他们很多钱并一遍又一遍的告诉他们，“买你想要买的东西”“吃多点有营养的食物”，“不用为家里省钱”，“如果没有钱，告诉我，我会给你寄的”之类的话。This common thing results in a very bad effect on the college students.这种常见的事情对大学生会导致不良的后果。 Lots of college students spend a lot of money buying what they need and they needn’t. For example, parents give them two thousand Yuan every month, they often use out in twenty or twenty-five days. Then they’ll borrow money from others. When they get the next month’s living expenses, they have to pay back the money. If things go on like this, they’ll fall into a worse situation and cannot pay off their debts finally. I think parents’ original thought is good. Parents just want to give kids a better material environment. Obviously they receive the opposite effect.很多大学生会花很多钱去买他们需要的或者不需要的东西。例如，父母每个月给他们二千元，他们经常二十天或者二十五天就用完了。然后他们就会向别人借钱。当他们得到下个月的生活费时，他们又得还钱。这样下去的话，他们会陷入更糟糕的处境，最后会无法还请债务。我觉得父母最初的想法是好的。父母只是想给孩子们一个更好的物质环境。显然他们收到了相反的效果。I think that college students should learn financial management, because it can bring them a clear life and benefit to their jobs or family. Maybe they can make bookkeeping. Set a fixed amount of money every day. 我认为大学生应该学会理财，因为理财可以给他们带来明确的生活对他们的工作或者家庭也是有益的。他们也许可以记账。设定每天固定用钱。

Is it better to enjoy your money when you earn it or is it better to save your money for some time in the future?Use specific reasons and examples to support your opinion.“Save it for rainy day.” That’s my motto.When I have a choice between spending my money or putting it in my savings account at the bank,I always put it in the bank.I will have a lot of expenses in the future like my education,travel,and unforeseen emergencies.I need to have money set aside for these expenses.Education is expensive.I can’t depend on my parents to pay all my bills.I have tuition,room and board,books,and incidental expenses to pay for.I’ll try to get a scholarship to cover some of these costs,but I know I will be responsible for a lot of the expenses.If I spend my money now,I won’t be able to pay for my education.I need to save money for my education.Travel is also very expensive.I don’t mean vacation travel.I mean travel to get to and from school.Transpacific airfare costs a lot even special reduced fares.I first have to get to school and then,of course,I want to return to my family for important festivals and occasions.Going back and forth will be costly,but worth it.I need to save money for these trips.Emergencies could arrive at any moment.I might have an unexpected illness while I am at school.There might be costs that won’t covered by the school insurance.One of my family members may need help,I will have to send them money.You can’t predict emergencies like this,but you can be prepared.I need to save money for these emergencies.When you are not rich,you cannot spend your money carelessly.You must plan ahead.I know in my life,I will have expenses for my schooling and for travelling to and from my home.I know that I will also have unexpected expenses related to unforeseen emergencies.I must be prepared.I need to save money for these events.