A simple 2-step plan for saving more money | Your Money and Your Mind

Transcriber:

Everyone's heard of the tired old adage

翻译人员: Yongxi Zhang 校对人员: Wanting Zhong

每个人都听过那句老掉牙的谚语，

of paying yourself first.

“先付钱给自己”。

But that saying lacks a lot of useful details.

但是这句话缺少很多有用的细节。

How do you actually pay yourself first?

你究竟该如何先付钱给自己呢？

So today, I'll lead you through some changes you can make

今天，我会带大家了解 你能做出哪些改变，

to improve your saving strategy.

来改善自己的储蓄策略。

[Your Money and Your Mind with Wendy De La Rosa]

[你的金钱与思想——温蒂·德·拉·罗萨 （Wendy De La Rosa）]

First and foremost, you should focus on only one goal at a time.

首先，你要确保 每次只关注一个目标。

Typically, we think about having multiple savings goals

通常情况下，我们会考虑为多件事情

for multiple things.

设立多个储蓄目标。

We have an emergency savings fund,

我们有紧急储蓄存款、

a vacation fund, a wedding fund,

度假存款、结婚存款、

a car fund ...

汽车存款……

But one great study compared people's savings progress

但一项出色的研究

对人们有一个储蓄目标 和五个储蓄目标时的存钱进度

when they had one savings goal compared to five savings goals.

进行了比较。

And it turns out that when participants had just one savings goal,

研究发现，当参与者 只有一个储蓄目标时，

they saved more than when they had five.

他们比有五个目标时存了更多的钱。

The research showed that if you made progress

这项研究表明，

如果你只增加了 一个储蓄账户的存款，

in just one of your savings accounts,

you'd think you've made progress across all of them.

你会认为所有账户都有所进展。

Like multitasking at work,

和工作时处理多项任务一样，

splitting your attention across multiple savings goals

将注意力分散到多个储蓄目标上

just isn't efficient.

是很没有效率的。

Now, that's not to say

但这也不是说，

that this will be your only savings goal;

你只能设立一个储蓄目标；

you'll have many more throughout your life.

你在一生中还会有更多储蓄目标。

But I want you to think about the one thing that you want to focus on

但是我希望你仔细考虑 在未来半年至一年中

over the next six months to a year.

你想关注的一个目标。

Start with your emergency savings fund,

从紧急储蓄存款开始——

even if it’s 500 dollars or 600 dollars, the average cost of a car repair,

即使只有五六百美金， 相当于一次汽车维修的平均花费，

and then go from there.

然后再从那里继续。

Now that you have a primary savings goal in mind,

现在你脑海中有了首要储蓄目标，

let's focus on helping you increase the amount that you save.

我们就可以着重谈谈 该如何增加已有存款。

Your main savings strategy should be

你的主要储蓄策略

to switch from having to remember to save a small amount every month

应该从每个月要记得存一小笔钱，

to saving a percentage of your income automatically,

转换为每次收入进账时，

都自动存储一定比例的收入。

any time you receive income.

Now, some people advise saving 10, 15 or 20 percent of your income,

一些人建议存储收入的 百分之 10、15 或者 20，

but that's not important.

但这些都不是最重要的。

You know your financial situation.

你清楚自己的经济情况，

You know how much you can manage to save.

知道自己能够存下多少钱。

The real trick is to find a provider

真正的诀窍是

找到一个能让你设置 自动储蓄计划的提供商，

that lets you set up an automatic savings plan

and not to have to think about it ever again.

然后就可以将其忘在脑后。

The "set it and forget it" approach

事实表明，这个一劳永逸的方法

is shown to help you save more.

可以帮助你存更多的钱。

Researchers believe that passive systems like this are successful,

研究人员认为， 像这样的被动系统很成功，

because they work with our tendency towards inertia.

是因为它利用了我们的惰性倾向。

You don't have to manually initiate each subsequent transfer,

你不必每次都亲自转账，

and you won't be tempted to hold back a bit

这样就不会在每次转账时 受到拖延的诱惑。

every time you make a savings transfer.

I want you to take the time right now to find a provider.

我希望你现在花点时间， 立即找一个提供商。

Go to your app store, download the app

前往应用商城，下载相关应用， 并且设置自动储蓄计划。

and set up your automatic savings plan.

If you make these two small changes --

如果你做到了这两个小小的改变——

focus on just one savings goal at a time

每次只关注一个储蓄目标，

and automate your savings --

以及设置自动存款——

you should find success,

你就会成功的，

even if you don't think you're saving that much money.

即使你并不觉得 自己存了那么多钱。

And it's easier than it may seem.

而且这比看上去简单。

So there you have it.

这样就行了。

We have demystified the old adage of paying yourself first.

我们揭开了古老谚语的面纱： 给自己先存点钱。