作为一名职场新人,在收入低、消费高的现状下,如何用较少的钱满足自身较高的消费需求成了当前急需解决的问题。理财即是指管理好自己的资金使其保值、增值,从而满足个人更多的消费需求,这是从收入的角度来讲。从另一个方面消费的角度来讲,理财就是用一定数量的金钱获得自身更大需求的满足,即是指在消费实现的过程中节省下来的钱就相当于是你赚来的钱。 As a career newcomer, under the condition of low income and high consumption, how to meet its own higher consumption demand with less money has become an urgent problem to be solved urgently. Money management refers to the management of their own funds to preserve and increase value, so as to meet more personal consumer demand, which is from the income point of view. On the other hand, from the point of view of consumption, financial management is to satisfy the larger demand of a certain amount of money by means of saving the money saved in the realization of consumption, which is equivalent to the money you earn.