金融英语泛读:如何快速变成有钱人

5 Measures to Make You Save Money如何快速变成有钱人

Many of us would like to have money in savings. Frankly, a dollar spent now seems to provide a lot more pleasure than a dollar saved, how can you make sure you're motivated enough to put money aside on a regular basis?

Here are five things that could work for you……

Save Little and Often

Do you tell yourself that it's not worth saving if you don't have at least$100（or$500，or$1000）to put into a savings account?This is a bit like telling yourself that it's not worth getting some exercise unless you have a whole day clear to jog.

How about saving just a dollar or two each day?Most of us can cut a couple of dollars of unnecessary spending every day（how about skipping that latte, carpooling, ditching your daily newspaper）. It's a tiny amount that you'll barely notice on a daily basis, but over the course of a year, you'll have saved several hundred dollars.

Read Personal Finance Blogs

I find that I get encouraged to save-and to adopt good financial habits in general-by reading about others'tips and success. One of my must-read blogs for this is The Simple Dollar.Other good blogs on personal finance are Get Rich Slowly and Wise Bread.

Keep a Savings Log

Something that's often recommended for those sorting out their finances is to keep a spending log-to write down what you spend, so that you have a clear picture of where all the money is going. I've done this in the past, and it's always revealing（and occasionally a bit horrifying）.

A twist on this, though, is to keep a savings log. Each time you make a deposit into your savings account（or each time you shove a few dollars into the jam jar hidden under your bed），write down the date and how much you saved.This can be a great way to motivate yourself to save more.You could also use your calendar or diary for this.

Save Towards a Specific Goal

Having a very clear goal in mind can make it much easier to save up. If you know that you need$1000 for that new computer, or if you're determined to reach$5000 in your emergency fund, focusing on the end goal can keep you motivated.

Your end reward might not be a tangible thing like a vacation or a new purchase:it might be peace of mind, or a sense of security or freedom. Consider visualizing how you'll feel once you have your target amount in the bank.Will it take a weight off your shoulders?Will you be proud of what you've achieved?

Automate Your Savings

Finally, if you do find that your motivation waxes and wanes, simply automate your savings. Get your bank to transfer$100（or$200 or$500 etc）from your checking account into a savings account, at the start of each month.If the money goes out without you having to lift a finger, chances are that you'll simply let it head off into the savings pot.

大部分人都希望手里有所积蓄。坦率地讲，花钱要比存钱爽多了，那么该怎样做才能保证你有足够的意志力把钱按期存起来呢？

下面是你可以参考的五个办法。

存小钱，常存钱

你是不是告诉自己，至少有100（500或1000）美元才值得存入银行？这就有点像对自己说，只有一整天都在跑步才会对身体有好处。

何不试试每天只存一两美元呢？大多数人每天都能省下几美元来（例如不喝咖啡，和别人合伙打车，少买几份报纸），你可能很容易就忽略这些小钱，但在一年以后，你就可以节省数百元钱。

阅读个人理财博客

我是通过阅读别人的小技巧和成功经验才学会了存钱和理财的。我必读的一个理财博客是“简易理财”。

其他好的理财博客还有“慢慢变富”和“聪明的面包”。

建立一个储蓄日志

管钱的一个好办法是建立一个花钱日志，写下你的花费，让自己清楚地知道所有的钱都花到哪里去了。我已经做到了这一点，而且我发现它真的是很有用（只是偶尔觉得结果有点可怕）。

另一个办法正好相反，是建立一个储蓄日志。每当你把钱存入银行户头（或把几美元放到床底下的果酱罐子里），记下日期和钱数。这是一个挺不错的方式来激励自己存钱。或者也可以使用日历或日记本来做记录。

为自己设立一个具体目标

有一个非常明确的目标可以让你的省钱计划更加易行。如果你知道需要1000美元买一台新电脑，或者决定要存5000美元，以备不时之需，明确最终目标能够让你保持干劲。

你也许因为要存钱而不能去度假或消费，但你因此收获了安心、安全感和自由。想象着存折上的数字一直在增加，你是不是感到自己的生活压力小了许多？你会为自己所拥有的而自豪吗？

自动化你的储蓄

最后，如果你发现自己省钱的激情在减弱，想办法让储蓄变成一个自动化的流程。让银行在每月的月初自动把支票账户里的100（200或500）美元转到储蓄账户中。不需费事就把钱存了起来，你轻而易举就一头扎进储蓄罐里了。

实战提升

核心单词

motivate['məutiveit]v.给……动机；刺激；激发

tangible['tændʒəbl]n.有形资产

visualize['vizjuəlaiz]v.想象；设想

wax and wane盈亏

财经知识一点通

账户（account）

根据管理需要和信息使用者的具体要求，对会计要素的内容进行科学的再分类，并给每一类别以标准的名称和相应的结构。

支票（cheque/check）

是出票人签发，委托办理支票存款业务的银行或者其他金融机构在见票时无条件支付确定的金额给收款人或持票人的票据。

翻译练习

Frankly, a dollar spent now seems to provide a lot more pleasure than a dollar saved, how can you make sure you're motivated enough to put money aside on a regular basis?

Your end reward might not be a tangible thing like a vacation or a new purchase:it might be peace of mind, or a sense of security or freedom.

lf the money goes out without you having to lift a finger, chances are that you'll simply let it head off into the savings pot.