努力工作和明智花钱不只是你应该做的事，它们近乎是一种美德，而这样做最终可以使你从生活中得到更多的乐趣。以下是我在生活中努力做到的12条理财金规：
1、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 11 golden rules that I try to live by:
2、Live within your means - 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。
3、Work hard - 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。
4、Research before you act - 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。
5、Avoid buyer's remorse - 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?
6、Avoid saver's remorse - 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。
7、Strive for happiness - 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。
8、Go for quality, not quantity - 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。
9、Face your weaknesses head-on - 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。
10、Save for the predictable and the unexpected - We're all going to face retirement someday, and the best time to save for it is now. The golden years are inevitable. 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。
11、Negotiate - 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。
12、Set goals on top of goals - Cap the feeling that you're going through the motions by revising your goals when you've accomplished your old ones. Whether it's saving for a vacation to a place you've always wanted to visit or considering the next step in your career, there's always something to keep you moving and motivated。
接下来报告一个好消息：广受欢迎的英语口语学习软件《Lucy陪你说英语》，在许多人的期待、催促（好啦，现在不用催啦~）中，终于推出了那万众期待（......)的“求职面试”专题。这下子能解决很多童鞋的问题，英语面试不用再怕怕啦。
一、投诉理财前线内有发帖人违反板规，希望正视处理（已答复）[已扎口]
首先本人以个人的名义对你们天涯小区中的帖子作出投诉，并和帖中提及的公司绝无任何关系，由于这些文章未经过任何核实，是为不实的文章发布，更泄露了个人姓名及电话等个人资料，对本人的个人生活、工作、情绪极为困扰及令本人受到严重的负面影响。
本人曾试过要求删除这些不实文章，但并没有得到响应，文章依然未能删除。
发贴人于小区论坛中不停发布这些不实言论，使天涯小区内其他用户不能得到一个公平的论坛，得到正确而平等合理的信息，更令本人有深远的多方面影响。
现要求天涯小区能正视这问题,能在一星期时间内删除有关泄露本人个人资料的文章，否则必定追究责任。
发帖人触犯了理财前线的版规的第三部份第3、4、7及12条，
第3条
凡盗用他人照片并冒充本人者，一律禁封理财版发言权处理。引用或转贴天涯小区注册ID所发的照片或其他个人隐私信息，必须经过当事人同意，发帖时要在帖内注明已获得当事人同意，否则一律删除，并视情节轻重对发表者ID处以禁封理财版发言权的时限。
*发帖人绝无经过本人的同意便公开本人姓名及电话号码。
第4条
如已发表过相同性质或内容的帖子，任何内客重复(含换标题不换内容或换ID不换内容)，版主以首发帖时间为准，对其他重复帖子一律予以删除。
*以上的5个连结除了标题不同外，内文是完全一模一样。
第7条
不得发表包含种族,肤色,性别,性取向,宗教,民族，地域，残疾，社会经济状况歧视内容言论，不得发表对他人机构成伤害的言论及回复，不得发表宣扬邪吏、色情、淫秽、暴力、迷信、教唆犯罪的言论以及蓄意、恶意攻击党和国家领导人、政府和人身攻击性质或违反小区其他规定帖子，否则，版主一律予以删除，并视情节轻重对发表者ID处以禁封理财版发言权的时限。
*以上5篇文章有提及到他人机构及本人，作出人身攻击，加以中伤，造成伤害。
第12条
凡涉及网友个人隐私的帖子(如真实姓名、家庭单位地址、各类证件号码、联系方式、包括电话、手机、MSN、QQ号等)，未经小区同意，一律删除，并视情节轻重对发表者ID处以禁封理财版发言权的时限。
*以上5篇文章有提及到真实姓名联系方式，包括电话，手机，但其文章内容并不属实。
上文己递交过一次，但由于一直未能与有关人士联络得上，所以再之发贴，希望会再有明确指示如何申请投诉
二、个人理财的十二条金规
任何人都需要像管理自己的事业一样管理自己的财富，照顾好钱，钱也会照顾好你。从一袋爆米花到一次海滨度假游，只要留心，时时处处都能省下银子。专家推荐以下12条理财金规，不过需要长期坚持，如果只是三天捕鱼两天晒网，效果就很难彰显出来了。
●“零存整付”、“定期定额”都是强迫储蓄与储备投资资本的最佳手段，每月将部分收入存到固定投资帐户，多年后的财富累积成效绝对会让你大吃一惊。
●衣服、鞋子等在打折的时候该出手时就出手。八折的时候可能还有水分，但到五折就差不多了。买东西还应尽量避开节假日等购物高峰，这个时候不仅人多拥挤，商品价格通常也较高。
●养成良好的节约意识。关闭不必要开的灯；灯泡都换上节能型的，虽然节能灯比普通灯泡贵，但使用寿命却比其长6倍，耗电量少75%；严防家中水干跑冒滴漏，洗衣机尽量选择节水型的。
●消费时尽享折扣之乐。酒店、健身房、化妆品专柜通常都有可以享受折扣的优惠卡；通过成为某些俱乐部的会员来享受一些优惠也是不错的主意。
●用专门的财客在线记账网记账不会遗漏有用信息，省时又省脑。当我们有了明确的理财规划后，理财就已经很轻松地介入到我们的生活中。因为有了规划所以目标很明确，如此一来，我们的账目就非常的清晰。可以将每月的消费支出逐笔记账，控制在预算之内。
●擦亮眼睛选择银行。根据实力的强弱、网点的多少、服务态度的优劣来甄选适合自己的银行，为自己找到一个方便快捷的理财通道。
●清理多余银行卡，减少额外支出。自从银行卡开始收费之后，那些多年不用的睡眠卡要早点清理掉。信用卡更是越少越好，虽然它很方便，但信用卡透支也是导致个人破产的重要原因之一。
●如果不想交滞纳金，就尽量及时交费。无论是水、电、煤气支付，还是房贷、保费、电话费都可以到银行办理代扣代缴手续，这样不仅可以为你省去跑腿和排队的麻烦，还能避免滞纳金的支出。
●当心额外的服务。电子产品通常都有一年的保修期。一些零售商会告诉你，如果交纳一定的费用，他们可以延长保修的期限，并提供一些额外服务。不要动心。实践证明，他们所承诺的那些服务是不可信的，如果产品有故障，可直接联系厂家的售后服务部门。
●能借不买。同样一本定价48元的书，在专业书店按原价出售，在书城可以打6-8折，而在图书馆，不用花一分钱就把它拿回家。
●衣服穿过以后要注意保养。自己特别心爱的和比较容易缩水的衣服要送到专业洗衣店处理。这样虽然会花钱，却能让衣服的寿命大大延长，反而能省下一笔服装费。
●上网查报价。经常到不同的网上商城看看，了解一下你感兴趣的商品报价，从一台新型冰箱到一条小毛巾都不要放过，以便在买的时候可以心中有数。在买大宗物品时，尤其要记住这点。
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