我们都想要确保帮助我们的孩子应对他们将会在他们生活中的不同阶段所面临的挑战。这些挑战之一被准备毕业后处理他们的财务状况。我们是如何做的？答案是︰ 确保我们的儿子和女儿受过金融议题关键教育。
这些主题多种多样和许多︰ 毕业生进入工作场所，他们必须能立即决定 — — 例如从他们的薪水，是否要加入他们公司的退休计划和什么样的健康好处，抉择。
此外，他们可能要开始为他们的财务目标预算由偿还学生贷款;买一辆车;或保存为一个家，一个婚礼或未来的儿童。在这里，关键之一是信用历史。事实是，大多数毕业生没有信用历史，并将需要开发一种积极。通过帮助我们的孩子，他们会需要开始了解的信息，我们会给他们他们可以使用在他们的一生奠定了实践基础。
预缴和效益选举：新员工需要作出多少钱拒绝为税从他们第一次薪水的决定。他们也需要作出决定效益的选举，例如医疗、 人身保险和退休储蓄。立即和长远来看，这些决定可能会影响他们。如果他们放弃这些好处，他们被录用，或延迟作出决定时，他们可能不能够更改直到他们公司计划一年，或直到他们在情况下有变化的周年日期。我们都想要确保我们的孩子有正确的金融工具，让他们透过生活。预算编制：就拿到一个好的金融开始，新毕业生需要教育如何明智地预算，他们的钱。让他们通过分类，支出与他们的收入，并确定如何和在哪里他们度过后者跟踪他们在一段时间 （如一周或一个月） 的支出。
另一个建议是，他们的收入主要分为三类;例如，固定每月开支、 可变费用及其他个人开支。固定的费用包括租金、 按揭、 杂货和公用事业等正在进行每月必需品。可变费用可能捐赠、 旅行或娱乐等项目。毕业生的支出的平衡应该像储蓄退休、 储蓄账户和其他投资和应急资金的项目。
发展信用历史：如前所述，大多数的新毕业生将没有任何信用历史。他们可以开始构建一个积极通过获得一张由他们使、 是子卡上另一个人 （或许父） 帐户或帐户上已联署的存款担保的信用卡。这些年轻人然后需要发展健康的理财习惯，例如每月按时支付他们的账单。如果他们对他们的信用卡的信用额度，他们应该避免允许的最大花费。此外，他们应该让信用卡账户开在一段时间。
总之，我们都想要确保我们的孩子有正确的金融工具，让他们透过生活。他们需要确保，我们向他们提供了坚实的基础，在基本的财务技能后毕业为他们准备的良好开端。
这篇文章被分布式 CBIZ 不呈现法律、 会计或其他专业意见的理解。任何本协议可能被解释为税务咨询的范围内，这样的建议不打算用于和不能用来避免处罚根据国内收入法典 》，或促进，市场或推荐给其他人任何与税务有关的事项。此信息是一般性质的在法律上或在此类法律的解释可能受更改。建议读者联系专业人员在采取任何行动，根据此信息之前。CBIZ 不承担任何责任无论在使用这一信息，并假定没有义务告知读者的任何更改在法律或其他因素可能影响此处包含的信息。
这篇文章最初发表在 2 月-4 月 2017年，价值。
We all want to make sure we have prepared our children for the challenges they will face at different stages in their lives. One of those challenges is being equipped to handle their finances after graduation.
How do we do that? The answer is: making sure our sons and daughters have been educated on key financial topics.
Those topics are diverse and many: As graduates enter the workplace, they have to make immediate decisions—such as what money to withhold from their paychecks, whether to join their company’s retirement plans and what kind of health benefits to elect.
In addition, they may want to start budgeting for their financial goals by paying off student loans; buying a car; or saving for a home, a wedding or future children. Here, a credit history is key. And the fact is, most graduates have no credit history, and will need to develop a positive one.
By arming our children with the information they’ll need to get started, we’ll be giving them a practical foundation they can use throughout their lives.
WITHHOLDING AND BENEFIT ELECTIONS
New employees need to make decisions on how much money to withhold for taxes from their first paychecks. They also need to decide on benefit elections such as medical, life insurance and retirement savings. These decisions may impact them both immediately and in the long term. If they waive these benefits when they are hired, or delay making a decision, they may not be able to make a change until the anniversary date of their company’s plan year, or until they have a change in circumstances.
We all want to make sure our children have the right financial tools to get them through life.
BUDGETING
To get off to a good financial start, new graduates need to be educated on how to wisely budget their money. Have them track their spending over a period of time (such as a week or month) by categorizing that spending versus their income, and determining how and where they spend the latter.
Another suggestion is to divide their income into three categories; e.g., fixed monthly expenses, variable expenses and other personal expenses. Fixed expenses include ongoing monthly essentials such as rent, mortgage, groceries and utilities. Variable expenses may be items like donations, travel or entertainment. The balance of the graduate’s spending should be for items like saving for retirement, savings accounts and other investments and emergency funds.
DEVELOPING A CREDIT HISTORY
As mentioned, most new graduates will not have any credit history. They can start building a positive one by getting a credit card which is secured by a deposit they make, is a sub-card on another person’s (perhaps a parent’s) account or has a co-signer on the account.
These young people then need to develop healthy financial habits, such as paying their bills on time each month. If they have a credit limit on their credit cards, they should avoid spending up to the maximum allowed. In addition, they should keep credit card accounts open over a period of time.
In sum, we all want to make sure our children have the right financial tools to get them through life. Ensuring that we provide them with a solid foundation in basic financial skills after graduation will prepare them for the positive start they need.
This article is distributed with the understanding that CBIZ is not rendering legal, accounting or other professional advice. To the extent anything herein could be construed as tax advice, such advice is not intended to be used and cannot be used to avoid penalties under the Internal Revenue Code, or to promote, market or recommend to another person any tax-related matter. This information is general in nature and may be affected by changes in law or in the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information. CBIZ assumes no liability whatsoever in connection with the use of this information and assumes no obligation to inform the reader of any changes in laws or other factors that could affect the information contained herein.
This article was originally published in the February-April 2017 issue of Worth.
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