the topic of my speech is budgeting for life, get ready from this moment from this penny.
some day i went shopping with my roommates, after leaving the check-out counter, i picked one item from a girl’s bag and asked her: ‘hey, it’s pretty wrapped up. how much? ’ after long pause with no response, shamefully she said ‘beats me, i seldom care prices.’ the talk was over then there came the one deserved thinking ——when we go into raptures at the sight of luxuries, have we ever thought of our finance management?
ladies and gentlemen,
these years, under parents’ loving care, college students have taken purchase for granted. however, independent survival’s just around the corner. when youths hanging out in starbucks over a cup of coffee, when we lavishly squandering parental sponsor on brand names, when financial ability falling into neglect in textbooks, when the financial crisis engulfing the entire world, real life’s airing alarms. the ability in well managing finance matters relates to not only our present living condition, but also our future ideal realization. here thanks to this arena that i can share with you what i’ve learned during college life on finance management.
initially, for us students, a penny saved is a penny earned. luxuries make us happy, but we need to balance whether these fancy goods are worth the price. actually it’s easy to save money. just make a list of what we have to pay for each month, such as your meal card, transportation card and other basic expenses. apart from the list, set aside some money for your preferable entertainment or social contact as planned. only well budget for today can we well budget for future. particularly, be honest to your finance plan and we’ll see.
what follows is study comes first. distinct performance on study brings generous scholarship. it’s crystal cleear what students should do during schooling so why not fulfill our duty? maybe in business one could work hard with no gains, but in university one’s efforts on study can always be paid off, with high respect and good reward. what’s more, study of investment and finance theories guides us to make rational use of resources on the right track.
besides, part-time job is ought to be part of our college life. in terms of money management, part-time job teaches us how challenging to earn money and helps develop thriftiness. in addition, concurrently holding a job and study cultivates us to make sensible use of our time as well as our money. furthermore, we might as well set foot in investment market, not for *** a fortune, but for more understanding in case of future need.
now we are students supported by family, but the day we have to make living and manage life by ourselves will come eventually. till now i have gained more than twenty thousand rmb from scholarship and part-time jobs and as far as you are willing to, you can be better. we always say opportunity knocks at one’s door that is well-prepared. finance practice in university is the best internship to get ready for future financial challenges.
ladies and gentlemen, from now on, please reflect on ourselves, stop hankering after material comfort and unrealistic compare. attempt to count every cent and make every cent count, because the future we seek for is well worth today’s efforts.
翻譯：
我演講的主題是爲生活做預算，從這一刻起就做好準備。
有一天，我和我的室友去購物，離開櫃檯後，我從一個女孩的包裏挑了一件物品，問她：“嘿，它很漂亮。多少？“沒有反應，長時間的停頓後，她說“可恥的打敗我，我很少關心價格。”談話是在這時，一個值得思考----當我們興高采烈的奢侈品的景象，我們有沒有想過我們的財務管理？
女士們，先生們，
這些年來，在父母的關愛下，大學生們已經把購買視爲理所當然。然而，獨立生存的角落。當年輕人掛在星巴克喝咖啡，當我們大手大腳揮霍父母的贊助品牌，在財政能力落入忽視教材，當金融危機席捲全球，現實生活中的播出警報。理財理財的能力不僅關係到我們現在的生活狀況，也是我們未來理想的實現。在這裏感謝這個舞臺，我可以與你分享我在大學生活中所學到的財務管理。
起初，對於我們學生來說，一個節約的錢就是一個賺一分的錢。奢侈品讓我們快樂，但我們需要權衡這些精美的商品是否值得。其實很容易省錢。只列一張清單，我們每個月都要付的費用，比如你的餐卡、交通卡等基本費用。除了名單之外，留出一些錢作爲你最好的娛樂或社會聯繫如計劃。現在只有很好的預算，我們才能爲未來做好預算。特別是對你的財務計劃，我們會看到。
以下是學習第一。學習成績顯著，帶來豐厚的獎學金。在學校教育中，學生應該做什麼，這是非常清楚的，爲什麼不履行我們的義務？也許在商業上，人們可以很努力的'工作，但在大學裏，在學習上的努力總是可以得到回報，並且很高的尊敬和良好的回報。而且，研究投資和金融理論指導我們合理利用資源的正確軌道。
此外，兼職工作應該是我們大學生活的一部分。在資金管理方面，兼職教我們如何挑戰掙錢，有助於培養節儉。此外，兼任工作和學習培養我們的時間和我們的錢，使我們明智的使用。此外，我們還不如投資市場，不要爲了財富，而是爲了更瞭解未來的需求。
現在我們是一家人的支援，但是我們每天都要做的是生活和管理生活的日子，我們最終會來的。到目前爲止我已經從獎學金和兼職工作中獲得了二萬多人民幣，而且你願意，你可以更好。我們總是說機會敲着門，準備好了。大學金融實習是對未來財務挑戰做好準備的最佳實踐。
女士們，先生們，從現在開始，請反省自己，停止追求物質享受和不切實際的比較。試圖將每一分的每一分都算爲百分之分，因爲我們追求的未來是值得的。