第403期:财务自由不是白日做梦,这些秘密让你不再吃土

 　　想要实现财务自由吗？其实并不难，但这一切都需要点滴的改变和积累，来看看下面的小技巧吧！一定会让你受益匪浅的。New Words:

　　financial adj. 金融的；财政的，财务的

　　fantasy n. 幻想；白日梦；幻觉

　　restless adj. 焦躁不安的；不安宁的；

　　spouse¹ n. 配偶

　　budget n. 预算，预算费

　　purchase n. 购买

　　accumulate vi. 累积；积聚 vt. 积攒

　　asset n. 资产；优点；

　　continuously adv. 连续不断地

　　1. Stop Unnecessary Spending

　　停止不必要的开支

　　For example, you may spend when you're anxious, depressed², restless, exhausted³, or from fear of missing out, or to please others.

　　例如，你可能会在焦虑、沮丧、烦躁、疲惫、害怕错过或取悦他人的时候花钱。

　　2. Plan a Monthly Budget

　　计划每月预算

　　Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses.

　　与你的配偶或伴侣坐在一起，根据你的收入，而不是你的开支来制定每月预算。

　　3. Cut up Credit Cards

　　剪掉信用卡

　　Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit⁴ card for all future purchases.

　　如果没有对信用卡消费和支出的适当的自我控制，你基本上等于在是扔钱。为了确保你能更好地控制消费，只使用现金或借记卡来购买未来所需。

　　4. Increase Savings⁵

　　增加储蓄

　　There is no doubt that for a comfortable retirement⁶ you must accumulate satisfactory savings throughout your working life. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working.

　　毫无疑问，为了舒适的退休生活，你必须在工作中积累让你满意的积蓄。现在投资好的退休计划会确保你在不工作的时候保证每月稳定的收入。

　　5. Invest Wisely

　　明智投资

　　To get the most benefits, make sure you are investing in a variety of assets.

　　为了将利益最大化，确保你投资于各种产业。

　　6. Be Extra Patient

　　需要额外的耐心

　　Patience is the key of financial success.

　　耐心是财务自由的关键。

　　Being patient can be quite tough, especially when you're struggling with your finances, but having faith is worth it. You'll continuously be on the right track if you are taking the proper steps above.

　　耐心是很难的，尤其是当你在为自己的财务而苦苦挣扎的时候，但是信心让着一切都变的值得的。如果你正在采取以上所说的措施，那么你就会逐渐步入正轨。

1 spouse   

n.配偶(指夫或妻)

参考例句：

• Her spouse will come to see her on Sunday.她的丈夫星期天要来看她。
• What is the best way to keep your spouse happy in the marriage?在婚姻中保持配偶幸福的最好方法是什么？

2 depressed   

adj.沮丧的，抑郁的，不景气的，萧条的

参考例句：

• When he was depressed,he felt utterly divorced from reality.他心情沮丧时就感到完全脱离了现实。
• His mother was depressed by the sad news.这个坏消息使他的母亲意志消沉。

3 exhausted   

adj.极其疲惫的，精疲力尽的

参考例句：

• It was a long haul home and we arrived exhausted.搬运回家的这段路程特别长，到家时我们已筋疲力尽。
• Jenny was exhausted by the hustle of city life.珍妮被城市生活的忙乱弄得筋疲力尽。

4 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

5 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

6 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。