花钱容易赚钱难.doc

花钱容易赚钱难:精打细算十大省钱妙招 Financial happiness doesn'e easy when your money isn't right. Debt, overdrawn accounts, and too little e can drain you emotionally. 财务状况不好时不太会有经济上的幸福感。债务、账户透支以及收入太少会让你很泄气。 This situation is all mon. But some people have discovered how to be financially happy. What's their secret?In most cases, it's all about adopting smarter financial habits — something anyone can learn. 这种情况太常见了。但是有些人已经知道如何在经济上找到幸福感。他们有什么秘诀?大多数情况下与更聪明的理财习惯有关——任何人都可以学习它们。 1. They take steps to reach goals. 1. 他们想办法实现目标。 Wanting to find your financial happiness is one thing; taking steps to achieve this is an entirely different story. 想有良好的财务状况是一回事,采取措施实现它完全是另一回事。 Financially happy people don't wait for money to fall into their lap. They pave their own path. Here's the thing: if all you do is sit back and moan about your finances, things may never change. Identify where you need to make improvements, and then create a realistic financial plan that works for you. If you need a little help, get a financial planner. 经济条件好的人不会等钱进口袋。他们为自己铺路。事情是这样的: 如果你做的只是坐着抱怨自己的财务状况, 境况可能不会改变。确定自己需要改进的地方, 然后想个实际点的财务计划。如果你需要帮助,可以去找理财规划师。 2. They spend within a budget. 2. 他们的花费控制在预算之内。 These individuals realize that there are limits to what they can do— financially speaking. Like anyone, they would probably enjoy shopping whenever they like, going on vacations whenever they like, and spending money however they like