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能让你成为有钱人的十大要素

时间:2011-03-13 22:46:13  来源:  作者:

省钱并不完全决定于你是否知道怎样买到一件令人尖叫的打折商品。更多的时候它和你对待金钱的态度有关。1
Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
想想诸如沃伦巴菲特这样的富人吧,他们并不像大多数人想的那样卑鄙肮脏。1
As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.
就像由托马斯J斯坦利和威廉姆D.丹可合著的《与百万富翁为邻》这本书里所描述的一样,个人财富与人们对待金钱时具备的基本素质有很大关系,许多大富豪实际上都很节俭。
Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
了解这些个人品质怎样影响你的财运是财富积累过程中必不可少的部分。
Here are 10 key traits:
以下是十大要素:
10. Patience
10.耐心等待
Patience is one of the most important traits when it comes to saving money.
耐心是资金积累过程中最重要的因素之一。
This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
这意味着等待第一波产品宣传的时代已经过了,在买一辆新车之前再开几年旧的,等待你的预算足够支付而不是透支去买你想要的东西。
Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
耐心足够与否往往是存钱和欠钱之间的差别。在你进行一项不错的交易前耐心等待是财源广进的垫脚石。
9. Satisfaction
9.满于现状
When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
当你感到满足时,就不会把钱花在不必要的事物上了。购买的唯一目的是你相信买入一件物品或花钱享受服务能让你更快乐,更富足,更好看或增加满足感。
People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
人们花钱是因为他们想抓住广告里那令人兴奋的事物。当你对你的生活(不尝试像电视里的人那样生活)和你所拥有的感到满意时,你的财富增值会有更好的形式。
8. Organization
8.条理清晰
Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
有条理性能使你更有创造力而且能确保所有与个人理财有关的事情都合理调度。
It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
意味着不要付滞纳金,别一样东西买两件,清楚影响你理财的底线,在短时间内争取做更多的事情,所有这些都对理财有益。
7. Discipline
7.严于律己
You need the discipline to continue to save money for specific, long-term goals every month. Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
你需要自律性以便每个月为一些明确而长期的目标存钱。个人的资金积累并不是快速致富的方法,但是可以锻炼人生规划。
6. Reflectiveness
6.深思熟虑
It's important to be able to look at your financial decisions and reflect on their results. You're going to make financial mistakes. Everyone does. The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
审视财务上的决定并观察它们带来的结果是很重要的。每个人在经营财务时都会犯错误,关键是你能从其中吸取教训并避免再犯同样的错误,要认清你是否重蹈覆辙。
5. Creativity
5.有创造力
The economy and our earnings don't always match our expectations.
经济和收入不会常常和我们的期望成正比。1
Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
不可预知的变化制造破坏并会使财务规划变得复杂。当这些发生时,计划要随着环境而变化,而创造力就可以完成这一过程。
Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
创造力可以在你没钱的时候帮助你让事物更持久而非一味追求它。这意味着挣钱可以远离债务而不是简单的透支信用卡,也意味着当手头紧张时找个便宜的替代品更有益处。
In these ways, creativity plays a large role in keeping finances in order.
在这十大要素中,创造力在有序合理分配资金的过程中扮演着重要的角色。

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