【志远翻译社友情】
Working hard and being smart with your money aren't things you just should do because they seem virtuous — these behaviors ultimately allow you to get more enjoyment out of life. You'll have no regrets when you're able to accomplish what's important to you because of your savvy ways. These are 10 golden rules that I try to live by; click through and then make a list of your own.
你不该仅仅满足于努力工作和明智花钱，因为他们似乎不仅是一种美德，而且这些行为最终可以使你从生活中得到更多的乐趣。当你能用机智的方法完成重要的事情时，你不会有任何后悔和遗憾。这是我尝试过的10个黄金法则；你可以了解一下，然后列出自己的理财法则。
1.Live Within Your Means
量入为出
In order to be truly independent, it's imperative to live within your means. Your freedom is limited by owing money to anyone, whether it's a credit card company or a family member, so set yourself up for an unrestricted life by saving for the things you want and spending with a plan.
想要做到真正的独立，就必须学会量入为出。任何人的自由都会受到金钱的束缚，无论是欠的是信用卡公司还是家里的亲戚。因此，想要过上不受束缚的生活，就要学会通过储蓄来得到自己想要的东西，并学会有计划的开支。
2.Work Hard
努力工作
Your job and the salary you command are your biggest assets in building wealth. Do your best at work and take the steps to make yourself indispensable to set yourself up for the highest level of success.
你的工作与所能支配的工资是你建立财富的最大资产。努力工作，努力使自己一步步成长为不可或缺的人才，尽可能地迈向更大的成功。
3.Research Before You Act
先调查后行动
Whether you're comparing travel package and a la carte prices for a vacation or looking up a company to see if it's legitimate, research is almost always worth your time.
无论是比较度假的旅游套餐和点菜的价格，还是查询某公司是否合法，事前的研究都是值得你花时间去做的。
4.Avoid Buyer's Remorse
避免购买后的自责
Feeling guilty just doesn't sit well. Avoid buyer's remorse by asking yourself these questions before making a purchase: Do I love it? How often would I wear or use it? Can I afford it? Could I find it cheaper somewhere else?
负罪感总是令人坐立不安。想要避免购买后的自责就要在采购之前先问自己几个问题：我喜欢它吗？我穿它或者用它的频率高吗？我买得起吗？别的地方有没有更便宜的
5.Avoid Saver's Remorse
避免省钱后的自责
There is such a thing as being too thrifty for your own good. What's the point of squirreling away so much cash if you can't splurge occasionally on yourself and others? Include an amount of discretionary money into your budget to spend on things that you might not desperately need, but would make you smile.
会有这样的事情发生，为了自己好而过分节俭。如果不能有时在周围人面前摆阔炫富，手里捧着大量现金有什么意义呢？将部分可自由支配的现金列入预算，买一些你并不是迫切需要、但会让自己开心的东西。
6.Strive For Happiness
为快乐而奋斗
Finding a job that makes you happy most of the time is possible, and it's worth taking risks to discover what fulfills you. If for one reason or another you're stuck in a position that isn't ideal, at least strive to end your day with something that does make you happy.
找一份能让你多数时间都感到开心的工作，为了发现什么能让你获得自我满足感，花点代价是值得的。如果由于某种原因，你必须接受不理想的职位，最起码你应尽量发现可以使自己开心的事来结束每一天。
7.Go For Quality, Not Quantity
重质不重量
Stuffing your closet with items that will fall apart in three months is a silly way to spend your hard earned cash. Buy a smaller quantity of things that are made to last, and you'll be the owner of higher quality items that look and feel like they're worth your money.
用你辛辛苦苦赚的钱去买一些三个月就会坏的东西来装满你的壁橱是一种愚蠢的行为。买一些经久耐用的东西而不是单纯的追求数量，你会成为高品质生活的主人，而这些质量好的东西也会让你感觉到它们物有所值。
8.Face Your Weaknesses Head-On
直面自己的缺点
We're not perfect, but admitting that you have weaknesses and doing your best to improve will allow you to continue growing. Invest time in yourself to be the most well-rounded person you can be.
人无完人，承认你的弱点并尽最大努力提升自己会让你不断成长。花费点时间在自己身上，努力让自己成为最完美的人。
9.Save For the Predictable and the Unexpected
储蓄，以备不时之需
We're all going to face retirement someday, and the best time to save for it is now. On the other hand, we also need to be prepared for the unexpected, like job loss or a medical emergency, so that we can remain in control of our finances even when other things aren't going our way.
我们都有退休的那天，现在就是存钱的最好时间。此外，我们平时应为不时之需而未雨绸缪，如失业或突发重病，这样，即使出现突发状况，我们也还能继续掌控我们的财政。
10.Negotiate
谈判
Doors aren't closed until you hear the word no. Negotiating things like salary and benefits can get you ahead of the game, and all you need is the confidence to ask.
只要还没有听到“不”字，希望之门就是敞开的。谈判的内容可以是工资、福利这些可以让你在同行业中脱颖而出的东西。所以，你需要的做就是自信地去争取。
一、怎样当好孩子的理财榜样
How to be a better money role model for your child
By Kimberly Palmer March 24 at 12:00 PM
As a mom who writes about money for a living, I figured my 6-year-old daughter would learn a lot about personal finances from overhearing me talk about my work. She’s listened to me give radio interviews espousing the benefits of budgeting, and heard me talk at the dinner table about the importance of frugality.
The behavior I was modeling, though, was severely undermining many of those lessons. She noticed that when we went out for dinner, it was almost always her dad who picked up the bill at the end of the meal. (In fact, I often left my wallet at home, knowing he had his.) When she heard her father and me talking about bills and saving for college, she probably could tell that while I was handling many of the monthly bills, her dad was managing many of the longer term savings accounts. Until recently, I am embarrassed to admit, I didn’t even know some of the passwords.
怎样当好孩子的理财榜样
金柏莉 帕尔梅 三月二十四日下午12：00
作为一个喜欢写生活中有关钱方面题材的妈妈，我认为六岁的女儿可以通过无意间听我谈自己的工作而学习到很多有关个人理财的知识。她听见过我在接受电台采访时大谈财务预算的好处，听见过我在餐桌上讲节俭的重要性。
然而，我引领的行为却严重违背了我设计的那些课程精神。她注意到了当我们外出吃饭的时候，几乎每次到最后都是她爸爸买单。（实际上，我知道他有钱，就经常把钱包落在家里。）当她听到我和她爸爸议论账单时谈到需为上大学节约开支的时候，或许就能明白我须得支付每个月的众多开支，她爸爸须为很多长远的规划而节俭开支项目。真不好意思，我承认，直到最近，有些密码我还不知道呢。
As I researched my new book, “Smart Mom, Rich Mom: How to Build Wealth While Raising a Family,” I realized that I was probably passing on harmful lessons to her and that the situation needed to change immediately. The dozens of smart moms I interviewed taught me how essential it is not only that I take more control over our family finances, but also that I demonstrate that behavior to my daughter, so she can learn from it. A 2014 survey on parents, kids and money by T. Rowe Price found that boys are more likely than girls to say their parents talk to them about setting financial goals (58 percent versus 50 percent). The survey also found that boys are more likely to consider themselves smart about money and to say that their parents are saving for their future college tuition.
经过对我的新书《巧妈妈，富妈妈：怎样支撑家庭又存钱？》的研究，我认识到自己说不定为女儿设计了一套可能对她有伤害的课程，情况必须立即改变。我采访过的很多聪明妈妈教过我一条至关重要的道理，那就是：我不但要控制我们家的资金，而且还需向女儿论证我们的行为，那样，她才能从中学习到知识。一份由T普莱斯主持的《2014年对家长，孩子和钱的调查报告》发现，在家长对孩子谈家庭财务目标方面，好像对男孩比对女孩谈的更多（58%比50%）。调查还发现男孩子对钱的考虑更明智，认为父母节约钱是为了他们将来上大学交学费。
[Are we holding our own daughters back? 5 ways to help our girls become leaders.]
【我们在阻挡咱们的女儿吗？五种方法可以帮助女儿成为财务主导者。】
Those gender differences are pretty disturbing, and I can’t help but wonder if they are related to the fact that surveys repeatedly show that as young adults, women tend to save less, invest less and earn less than their male peers. One2014 Wells Fargo survey found that women in their 20s feel less satisfied with their money than their male peers, and that the women carry more debt.
The moms I interviewed who I admire most when it comes to money were in constant communication with their children about the financial choices they were making for their families. Those useful conversations include the mistakes that they made with money; how and why they earn money and what it pays for; and how they are saving for big goals such as a family vacation or college tuition.
那些性别差异确实令人烦心，我不禁要怀疑是否与某些调查报告有关。那些报告反复显示同样的青壮年中，无论在节约，投资，还是在挣钱方面，女性都比同龄的男性要少许多。一份《2014年的国富银行调查》显示，女性在20岁的时候对金钱的满意度比她们的男性同辈低得多，女人背负的债务也比男性多。
在我采访过的母亲中，谈到钱的问题时，我最崇拜的是那些在为家庭做财务决策的时候能和孩子们保持沟通的妈妈们。那些有用的交谈也包括错误理财的内容；例如怎样赚钱，为什么赚钱，赚钱买什么；以及怎样为家庭的重大规划，例如全家旅游或高等教育学费等攒钱。
I started trying to incorporate these money-related discussions into our daily chats. On the way to school, when my daughter asks for a story from my childhood, I tell her how I made a budget before my parents let me get a hamster, and about my first job running a neighborhood summer camp.
I could tell she started thinking more about money, too. She often reminds us now that we shouldn’t go out to lunch, because it’s too expensive. Or she offers to share her piggy bank savings with us if we ever run into hard times (I really appreciated that one). After helping me pay the water bill one morning, she brainstormed ideas for how we could reduce our water consumption. When her 3-year-old brother bemoaned the fact that I had to go to work on a day he didn’t have school, she calmly explained to him, “Mommy has to work so we can live in our house.”
我努力把这些与钱相关的话题融入到我的家庭日常交流中。在上学路上，当女儿问及我孩提时代的故事的时候，我就把我那时候的一些事告诉她。我谈到在我父母为我买攒钱罐之前，我就作了一个怎样财务规划；以及我的第一次挣钱经历，就是在邻居中组织了一次夏令营活动。
我看得出她对于钱的问题似乎也思考得更多一些了。她经常提醒我们不应该去外面就餐，因为那要贵得多。有时，当我们遇到困难的时候，她还会让我们和她共享她那攒钱罐里的积储（我十分欣赏她的这一点）。一天上午，在协助我交完水费后，她突然想出了我们减少用水的想法。有一天，她三岁的弟弟不上学，而我又不得不去工作，为此，他放声大哭。这时候，她平静地对弟弟说：“妈妈得去工作，我们还是在家玩吧。”
Like highly trained CIA agents, our kids are studying us all the time — even when we think they’re distracted. Sometimes it’s shocking to hear them repeat our words back to us; sometimes it’s adorable. One thing is for sure: In all things, from eating to getting dressed to interacting with our partners to paying for a restaurant meal, we are their models.
就像受过中央情报局的严格训练一样，我们的孩子们一直在模仿我们，即使在我们认为他们心不在焉的时候也是这样。听见他们重复我们无意中说过的话，有时候觉得可爱，有时候真让我们震惊。有一个是不争的事实：从吃饭穿衣到与同事互动再到餐馆付账这所有的一切，我们是他们的榜样。
Kimberly Palmer is the author of “Smart Mom, Rich Mom: How to Build Wealth While Raising a Family,” from which this piece is adapted. She lives in the Wash ington area with her two children.
金柏莉 帕尔梅是《巧妈妈，富妈妈：怎样支撑家庭还存钱？》一书的作者。本文就是摘录于那本书。她带着两个孩子住在华盛顿特区。
二、简单理财知识你可以知道
Everyone has a bad financial habit. We live in a country that spends billions on advertising to make us want to make purchases; However, if you are looking to make change and break your bad financial habits use these tips. Remember: even though the habits are hard to break and require conscientious effort, there is payoff.
每个人都会有些不良的理财习惯。我们的国家在广告上花费数十亿，引诱我们花钱购物。然而，如果你想改掉自己糟糕的理财习惯，那么可以采纳以下建议。记住：即使坏习惯很难改正，需要持之以恒，但只要努力，总会有回报。
1. Buy only what you really need. Most of us take impulsive shopping trips to buy items we really don't really need. Some claim shopping eases their tension, gets their mind off of other things, or gives them a boost of happiness. Take the time to figure out what spurs you to buy unnecessary items. Try to replace shopping with some hobbies like riding your bike or taking a walk with friends.
1. 购买真正需要的物品。大多数人都会冲动购物，买一些并不真正缺少的商品。有些人说，购物可以缓解压力，把注意力从其他事情上移开，或者提升幸福感。你应该去弄清楚是什么刺激你购买那些无用的商品，还应该其他爱好替代购物，比如骑车或者和朋友散步。
2. Track your expenses. Sometimes restaurants and businesses will charge you the wrong amount, but you won't have the receipt to back up your claim. Other times, you might have insufficient funds for the check you just wrote. Keep your receipts, and spend a few minutes every night to double check your charges, and know the current balance of your bank account. It beats getting overcharged or having to pay an overdraft fee.
2. 核对费用清单。有时候，饭店和商户会多收费，你却没有收据为自己讨说法。或者，你可能开了支票，账户里却余额不足。你应该把收据保存起来，每天晚上花上几分钟核对两遍费用支出，清楚自己眼下的账户余额。这样做可以避免消费超额和透支。
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