人生第一筆工資 怎麼花才最有意義？

許多剛剛走上工作崗位的畢業生最近都拿到了人生第一筆工資。人生第一筆工資對每個人來說都擁有特別的意義，無論錢多錢少，至少你終於可以自由支配屬於你的錢了。用勞動汗水換來的第一筆工資怎麼花才最好？如果你還拿不定主意，不如來看看過來人的經驗之談。

1. Buy everything you’ve always wanted to

買你一直想買的東西

That branded bag. The speakers. You know how you always went past a shop, and looked lustfully at the glitzy product and thought to yourself “Once I start earning, I’m coming here”. That moment is here. While saving is good, this moment let go and let your materialistic side take over. You’ve worked hard and you deserve yourself a little treat.

名牌包。音響。還記得你多少次經過商店，無限嚮往地看着那些閃閃發光的商品，心中暗想：“如果我賺了錢，就來這裏。”這一刻終於到了。雖然把錢省下來也不錯，但是你完全可以在這一刻釋放自己，讓你物質的一面佔一次上風。你工作那麼辛苦，值得小小犒賞一下自己。

2. Clear off your dues

把欠下的債務和人情還清

Do you remember the number of coffees your older and earning friends took you out on while you were a student? Or all those chai-sutta accounts with the college canteen you forgot to settle in a huff of exams and placements. Now is a good time to sit back, do a round of audit and clear off all your loans and dues. Preferably with a thank you note. Clearing your dues also includes various bills like your mobile phone, credit cards etc. Living debt-free is one of the most effective ways to live a peaceful life.

還記得你當學生時那些已經工作賺錢的年長朋友請你喝過的咖啡嗎？還有你因爲忙於考試和安置問題忘記結清的校園餐廳賬單。現在是時候坐下來算算賬，結清各種賬務了。最好還能附上一封感謝函。需要結清的還有手機費、信用卡等各種賬單。想要過安寧的生活，無債一身輕是最有效的方式之一。

3. Send a token of your gratitude to those who helped

給那些幫助過你的人送禮物表示感謝

Often, we get so caught up in the excitement of a new job, and all the other new things that come with it, that we forget about the people who directly or indirectly helped us get there. The people who told you about a job, the people who referred you or simply someone who guided you through the interview rounds. While all it takes is a free “thank you” or a personal note to remember those people and thank them, it is extra special if you can send them a personalized thank you gift which could be sweets, chocolates, a gift or simply a dinner treat.

我們往往被新工作和其他新事物帶來的興奮衝昏頭腦，忘記了那些直接或間接幫我們得到這份工作的人。那些告訴你招聘信息、推薦你到這個職位或在面試過程中指導過你的人。你所需要的只是一聲免費的“謝謝”或一封感謝函，表示你記得他們的恩惠並表達感謝。但如果你單獨送給他們一份致謝禮物——糖果、巧克力、小禮品或請一頓飯——那會更特別。

4. Start investing

開始投資

You may consider your first salary too paltry or yourself too young to actually consider investing. But each and every penny invested correctly helps multiply the money over the long term. The sooner you start investing, the better. Open a recurring deposit with the bank of your choice after due research and earmark a certain sum to be automatically siphoned off from your bank account into the deposits account. Five years down the line, you’d thank yourself when you count all that interest, and of course all the savings you can count on for your future.

也許你認爲自己的第一份薪水太微薄，或者自己太年輕，考慮投資還爲時過早。但每一分錢，只要投資得當，長遠看來都會讓你的財富加倍。越早開始投資越好。在做足功課後選定銀行，開一個循環存款賬戶，定期自動從工資卡轉存固定數額到這個賬戶。五年後，你在計算利息時會暗自慶幸，當然這些存款將來也能派上用場。

5. Help someone

幫助別人

You’ve just embarked on a path to self-dependence and financial freedom. You can buy yourself things, eat fancy food, travel etc. But remember there’s a big unfortunate section of the society which can’t. Think of a cause close to you, and donate an amount you think you can afford, or simply spend a little to make someone’s day.

你剛剛踏上自立和經濟自由的道路。你可以買東西給自己，吃美食，去旅遊。但要記住，社會上還有很多不幸的人無法過上這樣的生活。就近找一個慈善機構，在力所能及的範圍內捐一些錢，或者花點錢讓某人快樂一整天。

6. Go on a trip

去旅行

You’d always looked at those people on Facebook checking in at fancy places and grudged them because you couldn’t afford to. Now you can. Don’t let the lack of money come in between exploring the beautiful world. You’re an adult now. Like a wise man once said, invest in experiences, not products.

在臉書上看見其他人在知名景點打卡而心生妒忌，因爲自己負擔不起。現在你可以付得起了。不要讓缺錢擋在你和這個美麗世界之間。你現在是個成年人了。就像一位智者曾經說過的，要把錢花在體驗上，而不是花在買東西上。

7. Pamper yourself

慰勞自己

So busy you’ve been grappling with a new job, placement hassles, and going back all way to your exams and studies, that you forgot to give yourself the tender loving care you needed to. Go get a nice spa massage, a facial or simply binge on some ice cream. You have worked hard, and your salary is the most tangible form of reward of your hard work. A little indulgence can be forgiven.

一直以來，爲了適應新工作、解決安置問題，還有先前的各種考試和學習，你忙得都忘記應該溫柔地對待自己了。好好做一個水療，做個面膜，或者只是大口吃冰淇淋。努力工作後，工資是最實在的回報。稍微放縱一下是可以被原諒的。

8. Get a gym membership

辦張健身卡

Your busy days are about to start and it’s the advent of a sedentary lifestyle. Right now is the best time to buy yourself a gym membership to keep yourself disciplined about keeping fit for the rest of your working days. Sitting around at your desk all day and doing late nights will take a toll on your fitness and mind. An early headstart into fitness and your back will thank you later.

忙碌的日子就要開始了，這也是久坐型生活方式的開始。現在是給自己購買健身房會員卡最合適的時機，讓你可以堅持健身，在未來的職場生涯中保持健康的體魄。終日坐在辦公桌前、加班至深夜會危害你的身心健康。早早開始健身，將來你的後背會感謝你。

9. Invest in life and health insurance

投資人壽和健康保險

Even if your company provides these two, investing in a good policy is a good idea as not only will it cushion you against any sudden medical emergencies, but also help with saving tax at the end of the year. An insurance policy is best bought sooner than later to enjoy most benefits. Also, usually, the younger you are, the lesser premium you pay on health insurance.

即使你的公司提供這兩種保險，投資一個好保險產品依然是個好主意，這不僅是爲任何突發醫療狀況做準備，也能讓你在年底少交稅。想要獲得最多收益，早買比晚買好。另外，通常來說，你越年輕，購買健康保險所需支付的費用也越低。

10. Thank your parents

感謝你的父母

They took care of you for decades. They saved on their basics, so they could buy your luxuries. They toiled hard so you could reap the benefits. While no amount of money can repay your parents’ efforts for you, a few meaningful gestures and thoughtful gifts can surely bring a smile to their face. Take them out for a nice dinner, buy your dad a new spectacle frame, your mother a new coat and your little sister the guitar she’d always wanted. When it comes to first salary, it’s family first.

你的父母已經照顧了你幾十年。他們節衣縮食，就爲了給你買好東西。他們辛苦工作，好讓你坐享其成。雖然再多錢也無法償還父母的恩情，但是買點貼心的禮物表示一下，肯定會讓父母的臉上露出笑容。帶他們出去吃頓大餐，給父親買一副新眼鏡框，給母親買一件新外套，給妹妹買她一直想要的吉他。人生第一份工資，肯定是家人優先。

說了這麼多，不知道哪個選項最讓你心動呢？