Setting Financial Goals设定理财目标

身为中学生，要逐步学会理财，以便提高财商。设定一个具体的理财目标，对理财之路大有帮助。本文将从三个方面帮助你设定理财目标。

1. Determine what your key personal and financial goals are

Before you can create a 1）solidfinancial plan， you need to be clearabout your goals. Common financialgoals include： income and outcome， ordeveloping a financial “safety net” toguard against unexpected emergencies.

2. Be accurate in your goals you want to accomplish

Ensure your goals adhere to the SMART acronym. That is tosay， specific， 2）measurable， 3）attainable， realisticand timely. For example， you may not besaving any money and your goal is to savemore. Changing this goal to save 5% ofyour monthly income is not only specific，but it is also measurable （you can easily tellwhen you have achieved it or not）， and likelyattainable in a reasonable time frame.

Write your goals down. This not onlyensures you will remember them， but it keepsyou accountable. A good plan is to writeshort， medium， and long-term goals.

3. Determine how much you will need to achieve your main goals

For a financial plan to be successful， it is essential to quantifyyour goals. That is to say， take a specific goal， and translate it intoa RMB figure. For example， if you want to buy a gift you want，but you don’t have enough money now， you have to look at howmuch the gift is priced， so that you havean incentive to save money. In the sameway， if you want to go somewhere， youneed to check your budget in advance，make it your goal， and analyze how tosave enough money to make the trip.

1） solid adj. 相当不错的

2） measurable adj. 可衡量的

3） attainable adj. 可到达的

1. 确定你的主要个人目标和理财目标

在你创建一个详细的理财计划之前，你需要弄清目标。常见的理财目标包括收入与支出，或建立一个理财“安全网”，以应对突发的紧急情况。

2. 要准确地实现你想要实现的目标

确保你的目标遵循“SMART”原则。也就是说，目标要具体的、可衡量的、可实现的、现实的和及时的。例如，你可能没有存任何钱，但你的目标是存更多。改变这个目标，如把你每月收入的5% 存起来，这个目标不仅是具体的，而且也应是可衡量的（你可以很容易地判断何时实现），而且能在预计的时间框架内实现。

写下你的目标。这不仅能确保你记住它们，而且还能让你对自己负责。一个好的计划是写下短期、中期和长期的目标。

3. 确定你需要多少钱来实现主要目标

一个理财计划要想获得成功，就必须量化目标。也就是说，采取一个特定的目标，并将其转化为一个数字。例如，如果你想买一个心仪已久的礼物，但你手头没有足够的钱，你必须看看礼物的价格，这样你就有动力存钱。同样的道理，如果你想要去哪里玩，你就要事先做好预算，将其作为你的目标，分析怎么样才能存够钱去实现这趟旅行。