Setting Financial Goals设定理财目标

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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。（剩余404字）