凹凸威小姐
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。
一一欧巴桑
写作思路：首先要理解所给要求的含义，意思是“如何理财”，那么就可以给出正确的理财方法的建议，避免语法的使用错误等等。
正文：
Financial management ability is directly related to a person's future survival and development in the society. People who are good at financial management will be easier to get a stable life than other people, and have preliminary financial management ability, which will help you to go to the society in the future.
理财能力直接关系到一个人今后在社会上生存发展，善于理财的人将会比其他的人更容易获得稳定的生活，具备初步的理财能力，这样会对你以后走向社会有点帮助。
Nowadays, many people don't plan before spending. They usually spend a lot of money and spend it in advance. At the critical moment, they can only ask their parents for help. So the first thing you need to know is to learn to keep accounts.
现在很多人花销之前都是不计划的，平时花钱大手大脚，总是提前就把钱花完了，关键时刻就只能向父母求助。所以你要懂得的第一个道理就是学会记账。
Write down every sum of money you spend, analyze it every week, see what money should be spent and what is unnecessary, and then remind yourself to avoid unnecessary consumption next week.
把自己用掉的每一笔钱都记下来，每周拿出来分析一下，看看哪些钱该花，那些是不必要的，然后提醒自己在下周避免那些不必要的消费。
Bookkeeping can not only exercise our memory and organization, but also let us understand that efficient consumption is reasonable consumption. Using bills to assist consumption will improve the deficiency of consumption and make life full of color.
记账不仅可以锻炼自己的记忆力和条理性，更让我们懂得有效率的消费才是合理的消费。用账单来辅助消费，就会改善消费中的不足，让生活以为账单而充满色彩。
New year's money is a blessing given to us by our relatives, not ordinary pocket money. Only meaningful use can we live up to the love of our relatives. You can deposit money in your own bank account. Generally, half of it can be withdrawn at any time during the period of death. The period of death can increase your income. The current can be withdrawn when you need it and used when you need it.
压岁钱是亲人给予我们的祝福，不是一般的零花钱，有意义的运用才不会辜负亲人的爱。可以把钱存到你自己开设了银行账户上，一般死期，一半可以随时取出，死期可以增加收入，活期可以在需要的时候取出来，用在需要的时候。
When you have surplus money in your hand, you should learn how to make your money appreciate. You can try to learn some investment knowledge. When you have accumulated some investment knowledge, you can try to buy a small amount of funds or bonds. As for how to choose, it depends on your interest.
手里有了余钱，这时你就要学会如何让自己手中的钱升值。你可以试着学习一些投资知识，当你积累了一定的投资知识后，可以试着开始购买少量的基金或者债券等。至于选择怎样的方式，就要看你的兴趣了。
The purpose of financial management is not only to let you save a lot of money and let money rise, but also to make your future life more secure. Through my introduction, I believe you have a certain understanding of financial management. If you want to have a deeper understanding, you need to take the initiative to learn more financial management knowledge, and then slowly explore in practice.
理财的目的不仅仅是让你省下许多钱和让钱升，更重要的是让你未来的生活更有保障通过我的介绍，相信你对理财有了一定的了解，想要有更深入的了解，还需要你自己去主动学习更多的理财知识，然后赞实践中慢慢摸索。
康茂暖通
For college students, do their own financial planning, revenue and reducing expenditure is equally important. Today, many college students feel that "enough money to spend, most positive solution is to find ways to increase revenue to compensate for insufficient funds embarrassment. Work-study program is the most common college students "open source" approach to help teachers to do research, tutor to the company or business part-time work ... These are to help students to increase revenue.Just open source is not enough, the key is to learn how to take care and plan their own money, to learn to throttle job. Bank financial planner recommends Students throttle may wish to start from the accounting. Many college students part-time, feel that they have income to spend money to start lavish dinner party, entertainment consumption expenditure soared, to the end of the month or the end at hand is still very tight even need to borrow money from the "transitional". Financial planner, said many college students is not no money to spend, but do not spend money, write down every day of your spending over time to see which is the unnecessary expenses, you can try to save those who can spend from time spent expenditures. If the money is deposited into banks, but also get a small fortune in interest.You can also try to do a small investment, stock, fund, is scheduled to vote and so on.After a certain economic base, can also be involved in real estate, not to mention the real estate, they think of high investment, in fact, real estate, small investment, the money to do real estate.Money, start from the housing commission and the housing charter, commissioned rental profit model can rely on to operate the property, which requires your experience, then there should have confidence and action, is not very high capital requirements, need to be addressed is the landlord, tenant, a number of key issues can be.
逍遥黑猫
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.
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