爱华网Budgeting for Life: Learn to Manage Personal Finance Problems
Hello,everyone It’s my great honour to give you this
speech..today my topic is “budgeting for life:learn to manage finance problems”.We are all college students and we are young adults.However ,have we succeed in budgeting our college life and manage personal finance problems?I could guess most of your answers will be “no”.
Before I came to WuHan , a friend of mine told me:500 yuan a month for you to live in WuHan may be enough,but 1000 yuan per month can prove to be inadequate. I was confused then but soon I realized what he meant. The two opposite conditions were caused by two different kinds of life-budgeting ways.So it is necessary to form a habit of saving.As we are students ,most of our expenses come from home. Nowadays, financial crisis is a heated discussion among people.Perheps our china is still that booming but your parents know how hard it is to earn money .In most cases there is no need to spend if we can change our bad habits.Whether you are trying to save money or have realized that your expenses are starting to exceed your income, deciding to follow a budget can be one of the most financially rewarding things you can do as an adult. first, I suggest everyone
should obey this golden rule: never use your money up. That’s to say ,never spend more than you own . You have to make a detailed plan for your money use . For example, forty percent of your income for daily lives, twenty percent for traveling , twenty percent for mortgage , ten percent for investment and ten percent for storing.Second, you ought to buy something you really need, not just be confused by the colourful ads. As everyone knows, the modern ways of advertising are so plentiful and confusing that you’re eager to have it at first sight . When you enter the shop ,you’re very likely to be urged to buy it because there always a talktive salesgirl waiting for you . But when you bring the goods home., you may find that you actually don’t need it. You may feel very sad but the fact is your money has gone for no use . So never buy anything before you think twice. If you make it a rule when you go shopping, you’re sure to save a big sum of money. However,a plan is nothing but a plan of a white paper and black words.Nothing can be achieved without determination to carry it out and dicipline to follow it through. It may be hard to do but if you could insist you may see great changes.
When you have learned to manage your personal finance problems,you could use the same principle into budgeting your
college life.As the tree needs pruning,our life needs scheduling.We are in college learning skills and knowledge to prepare for the crisis we may confront in society in the future .Our college time is of great value.We need budgeting it.When to study and when to relax,what to learn ,what we should prepare before graduation are all problems we have to solve.It is really disappointed to waste college life in surfing the Internet or making girlfriends.You could do everything but you at least should learn to budget yout life.Don’t let your life become a boat with out direction.
Budgeting for life is an attitude toward life,an attitude that we are in fervent hope of perfecting ourselves and our lives.Surely,people who have begun bugdeting have alreday been on the way to accomplish that.
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