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How to save money effectively
如何有效地儲蓄
Many of us would like to have money in savings. Frankly speaking; a dollar spent now seems sure you're motivated enough 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?
有積蓄是許多人的夢想。說實話,花1塊錢比存1塊錢要爽多了，那么怎樣才能保證自己有足夠的意志力把錢按期存起來呢？
Here are five things that could work for you.
下面是你可以考慮的5個辦法……
1. Save Little and Often
1.存小錢,常存錢
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.
你是不是告訴自己，至少有100(500或1000)塊錢才值得存入銀行？這就有點像對自己說，只有擁有一整天的時間才值得去鍛煉。
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.
何不試試每天只存一兩塊錢呢？大多數(shù)人每天都能省出幾塊錢來（比如不喝咖啡,和別人合伙坐出租車，少買點報紙），你可能很容易就忽略這些小錢,但一年后,你就可以節(jié)省數(shù)百元錢。
2. Read Personal Finance Blogs
2.閱讀個人理財博客
I find that I get encouraged to saveand 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. Trent writes very well, and covers topics in-depth without making them too complicated. He also has an upbeat and motivating attitude towards savings and finances (some personal finance blogs can make for rather dour reading).
我是通過閱讀別人分享的小技巧和成功經(jīng)驗才學會了存錢和理財。我必讀的一個理財博客是The Simple DollaroTrent寫得非常好,里面的文章深入淺出，對儲蓄和理財?shù)膽B(tài)度讓人變得樂觀而振奮(一些個人的理財博客則讓人昏昏欲睡)。
Other good blogs on personal finance are Get Rich Slowly and Wise Bread,
其他好的個人理財博客還有Get Rich Slowly和Wise Bread。
3. Keep a Savings Log
3.建立一個儲蓄曰志
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!).
管錢的一個好辦法是建立一個花錢日志，寫下你的花費,讓自己清楚地知道所有的錢都花到哪里去了。我已經(jīng)做到了這一點,而且我發(fā)現(xiàn)它的好處很明顯(只是偶爾覺得結(jié)果有點可怕！）。
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.
另一個辦法正好相反，即建立一個儲蓄日志。每當你把錢放進銀行戶頭（或把幾塊錢放到床底下的果醬瓶里），記下日期和存錢數(shù)。這是一個挺不錯的可以激勵存更多錢的方式。你也可以使用自己的日歷或是日記本來 作記錄。
4, Save Towards a Specific Goal
4.為自己設立一個具體目標
Having a very clear goal in mind can make it much easier to save up. If you know that you need 1,000 for that new computer, or if you’re determined to reach 5,000 in your emergency fund, focusing on the end goal can keep you motivated.
一個非常明確的目標可以讓你的省錢計劃更加易行。如果你知道自己需要1000塊去買一個新的電腦，或者決心要存下5000元以做應急之用,那么明確最終目標就能夠讓你保持干勁。
Your end reward might not be a tangible thing like a vacation or a new purchase: it might be a 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?
你也許因為要存錢而不能去旅游或大買特買，但你因此收獲了安心、安全感和自由。想象下存折里的數(shù)字一直在增加，你是不是感到自己的生活壓力減少了呢？你會為自己實現(xiàn)的目標而自豪嗎？
5. Automate Your Savings
5自動儲蓄
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.
最后,如果你發(fā)現(xiàn)自己省錢的激情在減退,只要想辦法讓儲蓄變成一個自動的流程就可以了。讓你的銀行在每月的第一天自動把支票賬戶里的100元(200或500等等)轉(zhuǎn)到儲莆賬戶中。這樣不需要動一根手指錢就存起來了,你輕而易舉就讓它一頭扎進了儲蓄罐里。
