Financial Planning Tips for beginners
初學者理財規劃技巧
Many people would like to establish a budget or financial plan or take a more active role in managing their investments. With an abundance of “expert” financial advice out there, though, newcomers to financial planning may well feel overwhelmed. To get started, it can be helpful to have one simple first step.
Professionals from Forbes Finance Council gave their suggestions for starting your journey toward more actively tracking and managing your personal finances.
許多人希望能夠制定預算或財務計劃，或者管理他們的投資上扮演更積極的角色。但是，由於有大量的“專家”財務建議，財務規劃的新手可能會感到不知所措。首先，進行一個簡單的第一步可能會有所幫助。
福布斯金融委員會的專家提出了一些建議，幫助您開始更積極地追蹤和管理您的個人財務。
Start with the end in mind and determine your net income
以終為始，確定您的淨收入
The first step in designing a financial plan is spending time thinking about the end. Aside from understanding your expenses and income, it’s important to have a vision of what you want in your life.
No matter your age, saving is nonnegotiable. When taking an inventory of your monthly income and expenses, make sure you are first looking at a net income amount. Your net income amount is what’s left after you have saved 15% of your gross income in multiple different types of accounts: taxable, tax-deferred, and tax-free. These 15% savings should also be automatic.
設計財務計劃的第一步是花時間思考結果。除了了解您的支出和收入外，重要的是要對自己的生活有一個願景。
無論您的年齡多大，儲蓄都是不可商量的。在清點您的每月收入和支出時，請確保您首先查看的是淨收入額。在將您的總收入的15％存入多個不同類型的帳戶(應納稅，遞延稅和免稅)後，剩下就是淨收入。這15%也應該要自動存起來。
Organize your financial records and document everything
整理您的財務記錄並記錄一切
As you begin the trek of building a financial plan for the first time, work very deliberately on all of the data collection. Use this opportunity to organize where you keep all of your financial information before building your plan. This can include bank and investment statements, insurance policies, and updated spreadsheets of monthly expenses, as well as copies of estate documents, even more, if you have different sources of income.
當您第一次開始構建財務計劃時，請非常認真地處理您收集的所有數據。藉此機會來組織您在計劃之前所有財務訊息的位置。這可以包括銀行和投資對帳單，保險單和每月費用的表格，以及房地產文件的副本，如果您有不同的收入來源，則更多。
Source 資料來源: https://www.forbes.com/sites/forbesfinancecouncil/2020/04/22/15-financial-planning-tips-for-beginners/#7ec4813b1bde
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