人生第一笔工资 怎么花才最有意义？

许多刚刚走上工作岗位的毕业生最近都拿到了人生第一笔工资。人生第一笔工资对每个人来说都拥有特别的意义，无论钱多钱少，至少你终于可以自由支配属于你的钱了。用劳动汗水换来的第一笔工资怎么花才最好？如果你还拿不定主意，不如来看看过来人的经验之谈。

1. Buy everything you’ve always wanted to

买你一直想买的东西

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。音响。还记得你多少次经过商店，无限向往地看着那些闪闪发光的商品，心中暗想：“如果我赚了钱，就来这里。”这一刻终于到了。虽然把钱省下来也不错，但是你完全可以在这一刻释放自己，让你物质的一面占一次上风。你工作那么辛苦，值得小小犒赏一下自己。

2. Clear off your dues

把欠下的债务和人情还清

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.

还记得你当学生时那些已经工作赚钱的年长朋友请你喝过的咖啡吗？还有你因为忙于考试和安置问题忘记结清的校园餐厅账单。现在是时候坐下来算算账，结清各种账务了。最好还能附上一封感谢函。需要结清的还有手机费、信用卡等各种账单。想要过安宁的生活，无债一身轻是最有效的方式之一。

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

给那些帮助过你的人送礼物表示感谢

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.

我们往往被新工作和其他新事物带来的兴奋冲昏头脑，忘记了那些直接或间接帮我们得到这份工作的人。那些告诉你招聘信息、推荐你到这个职位或在面试过程中指导过你的人。你所需要的只是一声免费的“谢谢”或一封感谢函，表示你记得他们的恩惠并表达感谢。但如果你单独送给他们一份致谢礼物——糖果、巧克力、小礼品或请一顿饭——那会更特别。

4. Start investing

开始投资

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.

也许你认为自己的第一份薪水太微薄，或者自己太年轻，考虑投资还为时过早。但每一分钱，只要投资得当，长远看来都会让你的财富加倍。越早开始投资越好。在做足功课后选定银行，开一个循环存款账户，定期自动从工资卡转存固定数额到这个账户。五年后，你在计算利息时会暗自庆幸，当然这些存款将来也能派上用场。

5. Help someone

帮助别人

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.

你刚刚踏上自立和经济自由的道路。你可以买东西给自己，吃美食，去旅游。但要记住，社会上还有很多不幸的人无法过上这样的生活。就近找一个慈善机构，在力所能及的范围内捐一些钱，或者花点钱让某人快乐一整天。

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.

在脸书上看见其他人在知名景点打卡而心生妒忌，因为自己负担不起。现在你可以付得起了。不要让缺钱挡在你和这个美丽世界之间。你现在是个成年人了。就像一位智者曾经说过的，要把钱花在体验上，而不是花在买东西上。

7. Pamper yourself

慰劳自己

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.

一直以来，为了适应新工作、解决安置问题，还有先前的各种考试和学习，你忙得都忘记应该温柔地对待自己了。好好做一个水疗，做个面膜，或者只是大口吃冰淇淋。努力工作后，工资是最实在的回报。稍微放纵一下是可以被原谅的。

8. Get a gym membership

办张健身卡

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.

忙碌的日子就要开始了，这也是久坐型生活方式的开始。现在是给自己购买健身房会员卡最合适的时机，让你可以坚持健身，在未来的职场生涯中保持健康的体魄。终日坐在办公桌前、加班至深夜会危害你的身心健康。早早开始健身，将来你的后背会感谢你。

9. Invest in life and health insurance

投资人寿和健康保险

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.

即使你的公司提供这两种保险，投资一个好保险产品依然是个好主意，这不仅是为任何突发医疗状况做准备，也能让你在年底少交税。想要获得最多收益，早买比晚买好。另外，通常来说，你越年轻，购买健康保险所需支付的费用也越低。

10. Thank your parents

感谢你的父母

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.

你的父母已经照顾了你几十年。他们节衣缩食，就为了给你买好东西。他们辛苦工作，好让你坐享其成。虽然再多钱也无法偿还父母的恩情，但是买点贴心的礼物表示一下，肯定会让父母的脸上露出笑容。带他们出去吃顿大餐，给父亲买一副新眼镜框，给母亲买一件新外套，给妹妹买她一直想要的吉他。人生第一份工资，肯定是家人优先。

说了这么多，不知道哪个选项最让你心动呢？