Ladies and gentlemen, my name is Xu Jie. I’m a sophomore from Shanghai Jiao Tong University. Given an edge as a major in International Economics and Trade, I have been immensely interested in how to manage personal finance problem efficiently and scientifically as well. It’s my great honor to share with you my opinions about budgeting for our life. There we go!

　　 To start with, I’d like to introduce “the Five Golden Rules of Money” to you:
　　 Firstly, money goes gradually to those who are willing to save it aside. That is to say, you are suggested to save one tenth of your monthly income, and you are sure to harvest a sound pile of assets as time goes.
　　 Secondly, money is apt to work for those who are well-aware of its applications and functions. A talented businessman knows how to increase more interests with the basis of original capital. Only in this way, can he make his fortune without limit.
　　 Thirdly, money will stay with those who can sensibly obtain it as well as prudently maintain it. It just resembles the ancient Chinese going: Gentlemen love money in a proper way, without a greedy scam.
　　 Fourthly, money will slip away from those who are ignorant of financial management. If you have little idea of how to invest and gain pay-off wisely, then you are terribly vulnerable to the countless traps underlying in the dangerous capital arena.
　　 Last but not least, money will leave those who strongly and blindly desire for sudden huge profits, Since they will be “killed” by their stupid overkill.
　　 As the unprecedented economic crisis has spread all over the world, people are extremely anxious to search for a remedy that can make up for the horrible loss resulted from the credit collapse of sub-prime Mortgage in the USA. This is a world-wild financial disaster actually caused by American’s ignorance of budgeting properly and spending accordingly. Grim consequences have already been there, though we can’t exert influences on government’s decisions, as we are not policy makers, yet we can resort to the self financial management to solve the problem.
　　 Here are some of my suggestions to improve your budgeting for daily life:
　　 Make an accounting excel for your budget management. Then divide your income sources and outcome details into several parts. For example, income section can be classified as savings, scholarships, monthly living allowance from parents, pay of the part-time job, New Year’s lucky money from seniors and so on; while the outcome section can be chiefly summarized as daily living expenses, study expenses( on books, materials, training, etc.), entertainment expenses, traffic fees and so on. After that, you should keep tracing your expenditures in time and put them into its part clearly and honestly. Furthermore, if you are confident about your investment-consciousness, you may add an extra “foundation” section into your budget excel. It serves as a mini bank where you can transform the present surplus into infinite capitals and interests. The investment programs can be funding or stock broking. However, you must always keep your priority right, that is to say, as a college student, study ought to be your most important duty, whereas investment is just a kind of money-making experience. You shouldn’t overweigh it out of control, otherwise you’ll screw up the initial motivation and lose the fruits of both which you could have had. Credit card can also be a supplementary means of financial management. By using it properly, you can enjoy the non-interest period of purchasing and pre-withdrawal, which enables you to easily overcome a financial shorthand ordeal. But mind your pay-back warnings! If you fail to pay your debt to the bank in time, you will be punished both financially and mentally，a（ ）s there will be taints on your credit profile.
　　 Above are in fact my ways of managing money and they really work well with me. Hope they can meet your need as well! At last, I wish you all enjoy a prosperous and wonderful life in the coming days, despite of the rigorous situation of the universal recession, and always bear an optimistic attitude towards whatever you are encountered with, keep fighting, and you will be the winner!
　　 女士们,先生们,我的名字是徐杰。我是一名大二学生,上海交通大学。给定一个边沿作为主修国际经济与商业,我始终无比感兴致的个人财务问题如何管理效力和迷信等。很幸运能与你分享我的见解,我们的日常生活中。预算我们走吧!
　　 首先,我想向大家先容一下“五个黄金法令”给你的钱。
　　 首先,资金逐渐向那些被迫去救那一边。那就是说,提议的非常之一存起来,你每月的收入,你确定能播种一声堆资产跟着时间的推移。
　　 其次,钱是轻易的工作,对那些有well-aware利用和功效。一个才干横溢的商人晓得如何增添更多的基本好处与原有的资本。只有这样,才干使他的财产是没有限量的。
　　 第三,钱会留下来跟那些能理智地取得它以及稳重保护它。这就像古代中国人:正人爱钱以恰当的方法,不一个贪心的圈套。
　　 第四,钱会脱离那些无知的财务管理。如果你不知道如何理智地投资、失掉结果,那么你很容易受到无数潜在危险的首都陷阱的舞台。
　　 最后但同样重要的是,钱会分开那些强烈地盼望暴利,因为他们将“逝世”由他们的笨拙太夸大了。
　　 作为前所未有的经济危机已遍布世界各地,人们十分迫切地想要寻找一个可以补充丧失的恐怖的信用瓦解导致美国次级房贷的。这是一个寰球范畴的金融灾害造成的实际支出的预算管理得当,无知的。已经在严峻的成果,固然咱们不能施展政府决议的影响,由于我们不是政策制订者,但我们可以采用的自我财务管理来解决这个问题。
　　 这里是我的一些倡议来进步你的预算用于日常生活。
　　 为您作出会计杰出的估算管理。而后把你的收入起源和结果的细节分成几部分。例如,收入部分可分为储蓄,奖学金,每月的生活费,来自父母的兼职工作,搞笑语录,新年的压岁钱从长辈等;而成果局部可重要概括为逐日生活费,研讨用度(在书籍、材料、培训等)、娱乐、费用、交通费用等。之后,你应该坚持追踪你的支出在时间和把他们关进了它的部门和老实。此外,如果你有信念,你能够对你的investment-consciousness加额定的“基础”部分进入你的预算。它作为一个小银行,在那里你可以转变目前盈余变成无穷的资本和利益。投资项目标资金或证券经纪业可以。然而,你总要保持你的优先权,就是说,作为一名大学生,学习应当是你最主要的职责,而投资只是一种赚钱的教训。你不应该overweigh它失去把持,否则你会把事件搞砸了最初的念头和失去的果实,你都可以有。信用卡可以帮助手腕的财务管理。应用切当,能让您在购置和pre-withdrawal负债期间,让您轻松克服了金融速记残酷的考验。但记住你回报忠告!假如你不还债,银行在一段时光后,你将会受到处分都经济和精力,也必有里放在你的信誉档案。
　　 事实上我上面的方式治理的钱,他们真的和我。愿望他们都能满意你的须要!最后,我盼望你们所有人享有繁华和美妙的生涯,在接下来的多少天里,只管的严格局势,广泛不景气老是乐观的立场,无论你碰到,不停的斗争,你将成为赢家!

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