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

Transcriber:

Everyone's heard of the tired old adage

譯者: Veronica Wu 審譯者: Amanda Zhu

老生常談，先付你自己薪水，

of paying yourself first.

But that saying lacks a lot of useful details.

但是這句話缺乏建設性的細節。

How do you actually pay yourself first?

實際上你該如何付自己薪水？

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

所以今天我要告訴你，

做出哪些改變 可以改善你儲蓄策略。

to improve your saving strategy.

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

［溫迪·德拉羅莎談 「你的錢和你的腦袋」］

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

首先，你必須一次只專注於一個目標。

Typically, we think about having multiple savings goals

通常我們會想為了不同的消費目的，

for multiple things.

設定多個儲蓄目標。

We have an emergency savings fund,

我們有緊急預備金、

a vacation fund, a wedding fund,

旅遊基金、結婚基金

a car fund ...

和買車基金……

But one great study compared people's savings progress

然而有個很棒的研究 比較了人們的儲蓄進度，

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

用單一儲蓄目標 和五個儲蓄目標的時候相比，

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

得出當實驗對象 只有單一儲蓄目標時，

they saved more than when they had five.

存得錢比他們有 五個儲蓄目標時還要多。

The research showed that if you made progress

研究顯示，當你只在 一個帳戶有進展時，

in just one of your savings accounts,

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

你會覺得你在所有帳戶都有進展。

Like multitasking at work,

就像在工作時一心多用一樣，

splitting your attention across multiple savings goals

把你的專注力 分散到多個儲蓄目標

just isn't efficient.

是沒有效率的。

Now, that's not to say

不是說這是你唯一的儲蓄目標，

that this will be your only savings goal;

you'll have many more throughout your life.

你此生會有非常多個。

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

但我要你去思考 在往後的半年至一年裡

over the next six months to a year.

你所要專注的那個目標。

Start with your emergency savings fund,

從你的緊急預備金開始，

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

即使只是 500 美元或 600 美元 ， 相當於修繕車子的平均價格，

and then go from there.

然後從那裡開始執行。

Now that you have a primary savings goal in mind,

現在你有了優先的儲蓄目標，

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

接著來要幫助你增加存入的金錢。

Your main savings strategy should be

你的主要的儲蓄策略

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

必須從有意識地 每月定期存下一筆小金額，

to saving a percentage of your income automatically,

變成每當你拿到收入， 自動從收入中撥出一定比例。

any time you receive income.

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

此時，有些人會建議從收入中 撥出 10%、15% 或 20%，

but that's not important.

但這並不重要。

You know your financial situation.

你了解自己的財務狀況，

You know how much you can manage to save.

你會知道你可以存下多少。

The real trick is to find a provider

真正的技巧是找到一個 可以自動撥款的平台，

that lets you set up an automatic savings plan

and not to have to think about it ever again.

然後就再也不必操心。

The "set it and forget it" approach

所謂「設定好然後忘了它」的方法

is shown to help you save more.

被證實可以幫你存下更多錢。

Researchers believe that passive systems like this are successful,

研究人員認為， 這樣被動的模式是可行的，

because they work with our tendency towards inertia.

因為它運用的是 我們對慣性的偏好。

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

你無須手動操作 之後的每一筆轉帳，

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

就不會每次在把錢 轉入儲蓄帳戶時想少轉一點。

every time you make a savings transfer.

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

我要你現在花一些時間 去尋找這種平台。

Go to your app store, download the app

去應用程式商店， 下載這樣的應用程式，

and set up your automatic savings plan.

然後設定好你的自動儲蓄計畫。

If you make these two small changes --

如果你做了這兩種小改變

focus on just one savings goal at a time

──專注於單一儲蓄目標

and automate your savings --

和儲蓄自動化──

you should find success,

你會成功的，

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

即使你不覺得你會存很多錢。

And it's easier than it may seem.

而且這兩個步驟比想像中簡單，

So there you have it.

現在你知道了。

We have demystified the old adage of paying yourself first.

我們揭開了「先付你自己薪水」 這個老諺語的神秘面紗。