会过日子的10个聪明方法1
1. Stop avoiding the problem and start being honest.Open the envelopes, call—or even better—visit your bank or broker. Be realistic. So many of us are living in the illusion of total scarcity. Look at what really did happen during the last few months. Get some help. You aren’t supposed to be an expert. Most of us feel intimidated when it comes to money, but the truth is we were never given a proper education about it. You’re not alone. Everyone feels the same way to some degree. But avoiding the subject of money would be like saying, learning to walk is too difficult, so I’m not going to do it. Learn the basics. You’ll feel more grounded. And make sure to hire a banker or accountant you feel good about.1. 停止逃避问题，诚实的面对问题。打开信封，接起电话，或者做得更好些——摆放你的银行或者经纪人。表现得现实一些，我们之中有太多人生活在对于完全缺乏认识的幻境之中。回顾过去几个月中那些的的确确发生了的事情，寻求一些帮助。你不能假定自己就是一个专家。大多数人在涉及到金钱时感到害怕，但事实是我们从未给予关于金钱恰当的教育。你并不是一个人，每个人呢或多或少都会有相同的感受。但逃避今天的问题就好像说，学走路太麻烦了，所以我决定不走了。学习一些基本的知识，你会感觉更踏实，并且雇佣一个你信得过的银行投资顾问或者会计。
2. Get organized. Know where your accounts, credit-card statements, insurance documents, will, etc. are. Most of us feel overwhelmed because we just don’t know where all of this stands. Often, it’s not the lack of money but more the general level of uncertainty and messiness around this topic.
2. 使生活有条理。知道自己的存折，信用卡对账单，保险合约，意向书等等放在哪里。大多数人感到很沮丧仅仅因为他们不知道这些东西放在哪里了。通常，围绕着这一话题的并不是缺少金钱，而是更为普遍的不确定性和混乱性。
3. Review your statements.Get a feel for what you are spending. Where is your money really going? You may often find some errors and double charges. Look at hidden fees from all the bills you pay. Confirm that some of your regular income is going to a savings account on a monthly basis. If you have an investment account, take a close look at what you have: stocks, funds, bonds, cash, gold. Know what you have and then ask yourself how it feels. You don’t need to have a finance background to know whether your money situation is letting you sleep at night.
3. 回顾你的对账单。对你把钱都花哪了有个概念，你的钱真正跑哪去了？你能经常发现一些错误已经重复收费，尤其看看你所付的账单中所隐藏的费用。保证你每月稳定收入的一部分会进入你的储蓄账户。如果你有一个投资账户，仔细的审视下你所有的投资品种：股票，基金，债券，现金，黄金等。知道你都有些什么然后问问你自己你对这种感觉怎么样。你并不需要有一些金融背景就能知道你的资金状况是否能让自己在晚上睡个踏实觉。
4. Get back to basics. This applies to every area of your life. Do you need to be spending so much on margaritas? Do you need another pair of jeans or shoes? Do you need a gym membership in a hot club you never use? Everyone knows where they are "leaking" money. For some it's on clothes, others it's food, and others it's on personal beauty treatments. Ask yourself what changes you can make that only you would notice.
不要买自己不需要的。这条适合于你生活的各个领域，你是不是真的需要再买一条裤子或或者鞋子呢？
5. Find another source of income, in addition to your regular job. Can you find a way of creating something, consulting, writing, translating, editing, babysitting, taking care of an elderly person, promoting something, or organizing something? The possibilities are endless. Here’s a clue—look for a way to take away someone’s pain, or problem. That’s what people will pay money for. What are you really good at? What is easy for you? Stretch your identity of what else you might be able to do, other than your regular job. And if you are the creative type, which deep down we all are, think about writing an ebook on a subject you know a lot about. There are plenty of sites that will put it up for free. You can then be making money while you sleep. That’s the goal.
5. 在保持现有工作的同时找一些额外的收入来源。你能找到一些工作比如，制造，咨询，写作，翻译，编辑，带小孩，老年人看管，改进些什么或者组织些什么吗？这种可能性是无限的，这里提供一条线索——试试看解决某人的痛苦或者问题。这些就是人们会为之付钱的事情。你擅长什么？方便做什么？把你自己的身份从一个你一直从事的扩展到其他你所能从事的。如果你是富有创意的哪一类人，那么考虑写一本关于你知道很多的话题的电子书。许多网站都会把它免费的放在线上。之后你就可以一边在家安心睡觉一边赚大钱了，当然，这是我们的终极目标。
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