关于应届毕业生的理财小贴士
无完人，你一定会犯错的，特别是刚刚开始的时候。最重要的是要从中学习经验教训，接着继续前进。接下来，小编给大家准备了关于应届毕业生的理财小贴士,欢迎大家参考与借鉴。
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 savings1 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 shortcuts2 or try to strike it rich overnight with the latest hot investment tip. Likewise, don’t make major financial decisions without fully3 considering the ramifications4. 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.
现在已经是六月中旬了，几乎所有今年的毕业生就要从大学毕业了。我想，我该花些时间为这些即将毕业的学生整合一份简短的理财建议清单。如下所示：
1、支出要少于收入。这个说法在个人理财中已经是陈词滥调了。但细想一下，它又是你要学习的最重要的专一理财课程。不管你工作有多努力，不管你会挣多少钱，如果你花去的钱比你挣的钱还要多的话，你就永远没有经济保障了，所以……一定要尽一切办法来避免这样的情况发生。这就要求自律了，或许还需要做个预算。但是如果你想在你的生活里面找到一个有细微区别的地方的话，那你就让它发生吧。
切记：如果你的花销超出了你的收入，你赖以生存的东西将变成你堕落的根源。
2、规划未来。我也是从你们的阶段走过来的，我知道，在你们眼中，“未来”是很遥远的事情。为自己做件乐事吧。坐下来写写自己短期，中期和长期的目标，然后放一块儿，作为一个奋斗目标。这不是一件容易做到的事，你可能不会一次就能把未来规划做对，但是，一旦你做了规划，你就会去做一些实实在在的事(和在将来有所改正)，从小事做起，会使你以后的路变得积极向上。
开一个网上储存账户，自动转帐来建立一个应急基金。在你工作的公司报名401(k)计划，然后定期付款。制定一个还请债务的计划。开个人退休账户(传统，非传统的都可以)，然后开始投资。阅读一些关于金钱与投资的书，这样，待时机成熟，你就可以随时迈出第一步了。不管你做哪一个，都别等。
3、要有耐心。打造一个坚实的经济基础是需要时间的。不要指望走捷径，也不要寄望于通过得到最新的热点投资信息一夜暴富。同要地，没有充分全面考虑之前不要做什么重要的经济决定。这并不是说要你畏首畏尾，相反，是需要你做足准备，把不懂的弄懂，然后再做一个有依据的决定。
4、在错误中吸取经验教训。人无完人，你一定会犯错的，特别是刚刚开始的时候。最重要的是要从中学习经验教训，接着继续前进。如果你做了一个很糟糕的经济决定，记下来，再重新步入正确的轨道。千万别自己打击自己。也千万不要轻言放弃，承认失败。
扩展：平凡人也能写出不凡的简历
According to Ric Edelman, author of Ordinary People, Extraordinary Wealth, the purpose of a résuméis not to get a job, it's to get an interview-you will get the job. A résuméshould not list all your skills, but rather tease the employer with your achievements. These are ways to make your résuméstand out.
《平凡人，非凡财富》一书的作者Ric Edelman认为简历的目的不是获得工作而是获得面试的机会;然后你才能获得工作。简历不该列举所有技能，而是要用成绩来"引诱"面试官。下面的方法可以让你的简历脱颖而出。
1. Broaden your work experience. 将工作经验适用范围拓宽
Describe your job skills in ways that are transferable to other industries. 描述工作技能时，要让这些技能看上去可以应用到其它行业。
Don't limit yourself to a specific type of job by simply listing the daily tasks you performed at your job. Expand on how your job impacted the business industry or company. 不要只列出过去具体的工作，这会给自己设定局限。而是描述你的工作怎样影响到整个行业或公司。
2. Use strong verbs. 用词要有力
Don't talk about your capabilities1. Talk about your accomplishments2. 不要谈论你的能力，而要谈论成绩。
Use active tenses rather than passive voice. 用主动语态。
Good words to use are managed, created, led, accomplished3 and organized. 一些适合的词汇有：管理了、创建了、领导了、取得了、组织了。
3. Target a specific person. 目标读者要明确
Address your cover letter and envelope to a specific person. Usually a simple phone call to the company is all you need. 在你的求职新和信封上写上明确的收件人。通常打个电话就可以了解需要的一切。
4. Target a specific position. 职位要明确
Identify the position you are interested in and tweak your résuméto match the industry. 注明你感兴趣的职位，将简历稍稍改善以和职位匹配。
5. Make it easy to read. 易于阅读
When writing your résuméthink, "Less is more." Many people make the mistake of putting too much information on their résumés. 写简历时应该"少胜于多"。许多人会犯把太多信息放入简历的错误。
Don't write to the edges of the paper. Leave white space in the margins4 and in between jobs. 不要在纸边上写。要留出适当的页边距，所列的工作之间也该留出适当的行距。
Use a readable font at a reasonable size. 采用大小合理方便阅读的字体。
One page only. 只写一页纸。
And finally... Take your new résuméeverywhere you go. It is your new calling card!
最后......要随身携带你的简历。它就是你的新"名片"!
