双语:个人理财黄金十法

　　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(1310.8，2.92，0.22%)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。

责任编辑：thinkman