如何讓手中的錢越變越多理財小技巧
Here’s another reason to get serious about saving — it’s a new year. Although the occasion isn’t going to turn us into smart savers, it sure is a good reminder. We all have our own methods of dealing with money, but here are a couple of saving tricks that will grow your money:
又有一個原因讓你認真地考慮儲蓄問題了，那就是新的一年開始了。盡管不能利用這個機會讓你變成聰明的儲戶，它也很好地提醒了我們存錢的重要性。我們都有自己的理財方法，但這里有些省錢技巧可以讓你“錢生錢”：
The top-down view: Instead of skimping here and there, take the top-down approach to saving money. Basically what you need to do is figure out your biggest expenses, then brainstorm ways to save and tackle the biggest expenses first.
1.從大處著手：與其從小處摳錢節省，不如從大的方面開始存錢。基本上你需要做的就是找出最大的開支，然后想辦法如何從這筆最大的開支中省出錢來。
The $5 jar: Instead of the ole change jar, have a $5 savings jar. Whenever you have $5 in hand, drop it in the jar. You’ll see your savings accumulate more quickly with fivers than with just coins.
2.有5美元就存。與通常存零錢不同，夠5美元再存。任何時候只要手上有5美元，就存到罐子里。你會發現財富的積累遠比你隨意存硬幣要快的多。
Improve your memory: Studies have shown that training your memory can build up a desire to save since short-term memory is linked to planning for or envisioning the future. A couple of ways to improve your memory include attaching an image to something you want to remember and practicing memorizing it over and over again, and avoiding multitasking.
3.提高你的記憶力：有研究表明，訓練記憶力可以讓你有存錢的欲望，因為短期記憶與規劃展望未來有關。增強記憶力的一些方式包括：把想記的東西和圖像聯系并且反復記憶;不要同時處理多件事。
Read a personal finance book: To make dealing with finances really hit home for you, pick up a personal finance book. I recommend Ramit Sethi’s I Will Teach You to Be Rich ($14). It’s a good book for those in their 20s because it dishes out practical personal finance advice in a fun and easy read.
4買一本個人理財書籍：想處理財務問題，你可以買一本個人理財書籍。我推薦Ramit Sethi的《我教你致富》一書(售價14美元)。對于20多歲的人來說，這是一本好書，因為它能把實用的個人理財建議講得通俗有趣。
Let technology aid you: Use web tools to make it easier to budget your money. There are free site that lets you to view all of your accounts in one place and provides budgeting tools that help determine where it would be easiest to cut spending. Consider downloading apps that’ll help you save. There are even apps that will save you money on gas and let you text for free.
5.使用高科技：網絡工具可以讓你更方便做出預算。有些免費網站可以讓你在一個地方查你所有的賬號，并提供預算工具幫你確定最簡單的削減開支的方法。考慮下載應用程序幫你省錢。
Automating: The best way to make sure you’re saving enough is to automatically put a chunk of your money into your savings and retirement accounts every month. It’s generally better than relying on your willpower. If you’re already automating, try to increase the amount by five percent.
6.自動存錢：確保你攢夠錢的最好方式是每月自動往儲蓄賬戶和退休帳戶轉一大筆錢。通常來說，這個方法好于依靠意志力來存錢的方式。如果你已經自動轉賬存錢了，試著增加百分之五的儲蓄量。
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