6 ways to improve your relationship with money | The Way We Work, a TED series

Transcriber: TED Translators admin

Prevodilac: Ivana Korom Lektor: Ivana Krivokuća

When you think about money and your dreams

Kada razmišljate o novcu i svojim snovima,

and you're looking at your account,

i gledate svoj bankovni račun,

you're like, "My bank account does not align with my dreams."

mislite: „Moj račun se ne slaže s mojim snovima.“

[The Way We Work]

[Način na koji radimo]

Financial health for a typical American household can be stressful.

Finansijsko zdravlje može biti stresno za tipično američko domaćinstvo.

We know that 46 percent of all Americans would struggle

Znamo da bi 46 procenata svih Amerikanaca imalo teškoća

coming up with 400 dollars in the event of an emergency.

da nađe 400 dolara za hitan slučaj.

And 60 percent of all Americans will face that emergency

A 60 procenata svih Amerikanaca će se suočiti sa tim hitnim slučajem

within 12 months or less.

u narednih 12 meseci.

When you ask the question, "What does money mean to you,"

Kada pitate nekog šta mu novac znači,

most people will say things like, "I feel anxious."

većina odgovara u stilu: „Osećam se nervozno.“

And so the insecurities come. The shame comes.

I počinju nesigurnosti. Dolazi stid.

I think we have a fraught relationship with money,

Mislim da nam je veza s novcem oštećena

because it comes with judgment.

jer uz njega idu osude.

When you're not able to pay your bills on time,

Kada ne možete na vreme da platite račune,

you can personalize that.

to postaje lično.

I don't want anyone to think that I'm not smart.

Ne želim da neko misli da nisam pametna.

I don't want anyone to know that I am very insecure with money.

Ne želim da iko zna da sam veoma nesigurna u vezi s novcem.

I don't want anyone to know that I am super stressed out.

Ne želim da iko zna da sam pod stresom.

So now let's change the narrative.

Hajde da promenimo priču.

[6 lessons on how to improve our relationship with money]

[6 lekcija o poboljšanju našeg odnosa sa novcem]

[1: Talk about it.]

[1: Razgovarajte o njemu.]

You can't do it alone. And that's when your squad has to come in.

Ne možete sve sami. Tu nastupa vaša ekipa.

It's taboo.

To je tabu tema.

We typically don't talk about our stresses when it comes to money.

Obično ne pričamo o svojim stresovima kada se radi o novcu.

We need to come together as a group of friends,

Moramo da se okupimo kao prijatelji,

bez osude, bez stida.

no judgment, no shame.

Celebrate the fact that we've made a decision

Proslavimo činjenicu da smo odlučili

that we want to have a better relationship with money.

da želimo da imamo bolji odnos sa novcem.

That is worth applauding or snapping your fingers about.

To je vredno aplauza ili pucketanja prstima.

Once you've done that, then you get real.

Kada to uradite, postaje ozbiljno.

Nothing should be off-limits.

Ništa ne treba da bude zabranjeno.

Where does this relationship come from?

Odakle potiče ta veza?

Why am I spending all this money on things that don't align with my goals?

Zašto trošim sav taj novac na stvari koje nisu u skladu s mojim ciljevima?

What are your fears? What are your hopes? What are your dreams?

Šta su vaši strahovi? Vaše nade? Šta su vaši snovi?

But then we start to take action.

Ali onda prelazimo na akciju.

What can we do this week? Or what can we do this month?

Šta možemo da uradimo ove nedelje ili ovog meseca?

[2: Understand what money is]

[2: Shvatite šta je novac]

Money is not the end-all be-all.

Novac nije suština.

It's the mechanism to accomplish whatever your goals are.

To je mehanizam za postizanje naših ciljeva.

On vas ne definiše.

It does not define you.

It's just a mechanism to accomplish what matters to you most.

To je samo mehanizam za postizanje onog što vam je najvažnije.

[3: Identify what matters to you ... ]

[3: Odredite šta vam je važno...]

Ask yourself one fundamental question: what are you saving for?

Postavite sebi jedno osnovno pitanje: za šta štedite?

If you're saving for a car, if you're saving to pay down your debt,

Ako štedite za auto, ako štedite za otplatu duga,

if you're saving for that rainy day fund,

ako štedite za crne dane,

it will include short-term goals

to će uključiti vaše kratkoročne ciljeve

and it will include long-term goals.

i uključiće vaše dugoročne ciljeve.

[4: ... and then really picture it.]

[4: i onda to stvarno zamislite.]

Visualize what you're really trying to accomplish.

Zamislite to što pokušavate da ostvarite.

A vision board is visual representation

Tabla vizija je vizuelna reprezentacija

of what you're saving for.

onoga za šta štedite.

So if we break it down, go get a poster board.

Uzmite poster,

Get your markers, get your glitter.

uzmite markere, šljokice.

Take magazine pictures, cut it all out.

Isecite slike iz časopisa.

Have that picture of that great trip.

Uzmite sliku sa onog sjajnog putovanja.

Have the picture of you paying down your student debt.

Zamislite kako otplaćujete svoj studentski kredit.

The vision board sounds like, "Oh, how can that really help?"

Tabla vizije zvuči u fazonu: „O, kako to zaista pomaže?“

The point is your goals need to align with your behaviors,

Poenta je da vaši ciljevi moraju da se slažu sa vašim ponašanjem,

and the vision board is really a representation

a tabla vizije je reprezentacija

of where you wanna go and then how you live your life,

toga kuda želite da idete i kako živite svoj život,

and in the meantime are the steps to really get there.

a u međuvremenu tu su koraci koji vas vode tamo.

[5: It's not what you make, it's what you keep.]

[5: Nije stvar u tome koliko zaradite nego koliko vam ostaje.]

It's not about what you make, it's about what you keep.

Nije stvar u tome koliko zaradite nego koliko vam ostaje.

It's about understanding do I have the ability

Stvar je da razumem

da li s onim što zarađujem mogu da pokrijem svoje osnovne potrebe.

with what I'm making to take care of my basic needs?

And if not, what adjustments do I need to make?

I ako ne, šta moram da promenim?

And then we start to break it down and talk about the tools.

Onda sve razlažemo i počinjemo da govorimo o alatima.

We start to say, "Do we have our savings account, auto-save?"

Počinjemo da se pitamo: „Da li imam štedni račun, automatizovan?“

Set it and forget it, or every day, put a dollar a day.

Podesite da štedi i ne mislite, ili svakog dana ubacite po sto dinara.

Whatever that rhythm is for you,

Kakav god da vam je ritam,

the goal is the rhythm, not the amount.

cilj je taj ritam, a ne iznos.

You can start slow.

Možete početi polako.

You can start small, but you have to start now.

Počnite po malo, ali morate početi odmah.

And then let me give you a trick, we all have impulses.

Reći ću vam nešto, svi imamo impulse.

Many times, because the phone is always with us,

Često počinjemo da kupujemo jer uz sebe uvek imamo telefon.

we start shopping.

Go out to any site, shop up, put it in your cart.

Idite na neki sajt, gledajte, ubacite u korpu.

Just don't hit buy.

Samo nemojte da kliknete „kupi“.

Wait 24 hours, go back and ask yourself,

Sačekaje 24 sata, vratite se i zapitajte se:

"Do I really need it?

„Da li mi ovo stvarno treba?

What about these items map to my goal?"

Šta od ovoga pomaže da dođem do cilja?“

And if it's nothing, hit delete and you got your fix.

Ako je odgovor ništa, obrišite i spremni ste.

[6: Be good to yourself.]

[6: Budite dobri prema sebi.]

It's also important to know

Takođe je važno znati

that your self-worth is not determined by your net worth.

da količina novca ne određuje vašu vrednost.

This is something that we can do better about.

U ovome možemo biti bolji.

You celebrate your wins.

Slavite svoje pobede.

And when you make that misstep, no judgment, no shame.

A kada pogrešite, nema osude, nema stida.

Just get back at it.

Samo nastavite.