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.

    xuexiaobiye，kaishigongzuo，nixuyaoweizijixunyigezhuchu。yibanlaishuoyinianyihouzaikaolvmaifangdeshi
，zheyifangmianbangnijianligongzuoanquanxing，yifangmianquebaonishifouxihuanxianzaidehuanjing。nikeyidujuyishi，huozhezhaorenhezu。

    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.

    尋xun求qiu經jing濟ji自zi由you的de必bi要yao之zhi處chu在zai於yu每mei天tian管guan理li錢qian財cai。開kai始shi工gong作zuo之zhi後hou花hua錢qian更geng有you餘yu地di，有you更geng多duo機ji會hui花hua錢qian，有you更geng多duo機ji會hui借jie錢qian。這zhe些xie多duo出chu來lai的de機ji會hui，你ni一yi定ding要yao小xiao心xin對dui待dai。如ru果guo在zai大da學xue期qi間jian你ni已yi經jing積ji累lei了le信xin用yong卡ka債zhai務wu，你ni現xian在zai應ying該gai致zhi力li於yu還hai清qing它ta們men了le。你ni也ye應ying該gai學xue會hui管guan理li你ni能neng利li用yong的de這zhe些xie信xin用yong資zi源yuan。

    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.

    muqianzuizhongyaodeshiqingshirangnideqianweinigongzuo。zheyangyilainikeyisuoduangongzuoshijian
，zaoyixiexiangshoutuixiushenghuo。lingwai，zhexienianniyenengshenghuodegengshushi。xianzaiyidianxiaoxisheng，jianglainengyoudashouhuo。yaoqingchudeshijianlizhenzhengcaifubingfeijiandandejilei
，nixuyaohuagengduodeshijianquxuexilicaihetouzi。