写作思路：首先要理解所给要求的含义，意思是“如何理财”，那么就可以给出正确的理财方法的建议，避免语法的使用错误等等。
正文：
Financial management ability is directly related to a person's future survival and development in the society. People who are good at financial management will be easier to get a stable life than other people, and have preliminary financial management ability, which will help you to go to the society in the future.
理财能力直接关系到一个人今后在社会上生存发展，善于理财的人将会比其他的人更容易获得稳定的生活，具备初步的理财能力，这样会对你以后走向社会有点帮助。
Nowadays, many people don't plan before spending. They usually spend a lot of money and spend it in advance. At the critical moment, they can only ask their parents for help. So the first thing you need to know is to learn to keep accounts.
现在很多人花销之前都是不计划的，平时花钱大手大脚，总是提前就把钱花完了，关键时刻就只能向父母求助。所以你要懂得的第一个道理就是学会记账。
Write down every sum of money you spend, analyze it every week, see what money should be spent and what is unnecessary, and then remind yourself to avoid unnecessary consumption next week.
把自己用掉的每一笔钱都记下来，每周拿出来分析一下，看看哪些钱该花，那些是不必要的，然后提醒自己在下周避免那些不必要的消费。
Bookkeeping can not only exercise our memory and organization, but also let us understand that efficient consumption is reasonable consumption. Using bills to assist consumption will improve the deficiency of consumption and make life full of color.
记账不仅可以锻炼自己的记忆力和条理性，更让我们懂得有效率的消费才是合理的消费。用账单来辅助消费，就会改善消费中的不足，让生活以为账单而充满色彩。
New year's money is a blessing given to us by our relatives, not ordinary pocket money. Only meaningful use can we live up to the love of our relatives. You can deposit money in your own bank account. Generally, half of it can be withdrawn at any time during the period of death. The period of death can increase your income. The current can be withdrawn when you need it and used when you need it.
压岁钱是亲人给予我们的祝福，不是一般的零花钱，有意义的运用才不会辜负亲人的爱。可以把钱存到你自己开设了银行账户上，一般死期，一半可以随时取出，死期可以增加收入，活期可以在需要的时候取出来，用在需要的时候。
When you have surplus money in your hand, you should learn how to make your money appreciate. You can try to learn some investment knowledge. When you have accumulated some investment knowledge, you can try to buy a small amount of funds or bonds. As for how to choose, it depends on your interest.
手里有了余钱，这时你就要学会如何让自己手中的钱升值。你可以试着学习一些投资知识，当你积累了一定的投资知识后，可以试着开始购买少量的基金或者债券等。至于选择怎样的方式，就要看你的兴趣了。
The purpose of financial management is not only to let you save a lot of money and let money rise, but also to make your future life more secure. Through my introduction, I believe you have a certain understanding of financial management. If you want to have a deeper understanding, you need to take the initiative to learn more financial management knowledge, and then slowly explore in practice.
理财的目的不仅仅是让你省下许多钱和让钱升，更重要的是让你未来的生活更有保障通过我的介绍，相信你对理财有了一定的了解，想要有更深入的了解，还需要你自己去主动学习更多的理财知识，然后赞实践中慢慢摸索。
Use specific reasons and examples to support your opinion.
“Save it for rainy day.” That’s my motto.When I have a choice between spending my money or putting it in my savings account at the bank,I always put it in the bank.I will have a lot of expenses in the future like my education,travel,and unforeseen emergencies.I need to have money set aside for these expenses.
Education is expensive.I can’t depend on my parents to pay all my bills.I have tuition,room and board,books,and incidental expenses to pay for.I’ll try to get a scholarship to cover some of these costs,but I know I will be responsible for a lot of the expenses.
If I spend my money now,I won’t be able to pay for my education.I need to save money for my education.
Travel is also very expensive.I don’t mean vacation travel.I mean travel to get to and from school.Transpacific airfare costs a lot even special reduced fares.I first have to get to school and then,of course,I want to return to my family for important festivals and occasions.Going back and forth will be costly,but worth it.I need to save money for these trips.
Emergencies could arrive at any moment.I might have an unexpected illness while I am at school.There might be costs that won’t covered by the school insurance.One of my family members may need help,I will have to send them money.
You can’t predict emergencies like this,but you can be prepared.I need to save money for these emergencies.
When you are not rich,you cannot spend your money carelessly.You must plan ahead.I know in my life,I will have expenses for my schooling and for travelling to and from my home.
I know that I will also have unexpected expenses related to unforeseen emergencies.I must be prepared.I need to save money for these events.
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