在日常生活中，你是不是也有这样的感觉：其实也没买什么东西，但是打到工资卡里的钱转瞬即逝。怎样才能做到既省钱又能把钱花到"刀刃儿"上呢？今天教你5个实用妙招！
Hello and welcome to another video.
嗨，欢迎来到我的另一个视频。
Saving money is big problem for most people, simply because we love spending every penny we earn.
省钱对大多数人来说都是一个大问题，因为我们喜欢花掉赚的每一分钱。
Let's take a look today at 5 tips that will allow you to save tons of money every month.
今天我们要来看看五个小技巧，让你每个月节省大量资金。
So let's jump in.
那么我们开始吧。
Let me introduce to you three of my friends, Bill, john, and Brandon.
我来向你介绍我的三个朋友，比尔，约翰，和布兰登。
Bill is 25 and loves spending money.
比尔今年25岁，喜欢花钱。
He is like most of us, he doesn't saves money, because he has a stable job with a salary of 36,000 dollars after taxes, that covers all of this expenses, mortgage, car and the new iPhone he recently bought.
他和我们大多数人一样，不会省钱，因为他有一份稳定的工作，工资税后36000美元，可以支付他所有的消费，贷款，买车，和他最近买的新iPhone。
As time goes by, Bill gets married and he becomes a father.
随着时间的推移，比尔结婚了，做了父亲。
Now instead of covering only his expenses, he has to cover his child and probably wife's expenses as well, but his salary only has increased by 15 percent in the last 5 years.
现在，除了他自己的花费，他还要抚养自己的孩子，也许还要负责妻子的开支，但是他的工资在过去5年里只增加了15%。
So now he has to cut down his spendings to be able to pay all the necessarily things.
所以现在他必须减少支出，以便能够支付所有必需品的费用。
As life moves on, his salary keeps increasing but not as much as his expenses.
随着生活的继续，他的薪水不断增加，但增加的没有开支的多。
So after many years, Bill decides to retire but he finds that he hasn't saved any money.
多年后，比尔决定退休，但他发现他没有存下一分钱。
So he is left with no other choice but to keep working.
所以他别无选择，只能继续工作。
On the other side, John doesn't want to find himself in the position of Bill when he reaches his 60s.
另一个例子，约翰不想等自己60岁时也处于比尔的境地。
So he decides to save 10% of his income, hoping that by the time he is 65, he can stop working and enjoy his life.
所以他决定节省10%的收入，希望等到他65岁的时候，他可以不再工作，享受生活。
After 40 years, assuming that his income increases by an average of 3 percent a year, he manages to save 264, 385 dollars.
40年后，假设他的收入平均每年增加3%，他成功省下了264，385美元。
Obviously that's not enough money to travel the world, and cover your expenses for the next 20 years or so, but at least it's much better than Bill.
很明显，这钱不够用来环游世界，或是支付后面20年的费用，至少比比尔要好得多。
Now, our third friend, Brandon who is also 25 and makes relatively similar income, realises that saving 10% of his income is not going to make him financially free any time soon, and if he wants to see any significant difference, he would have to wait until he is 65.
我们的第三个朋友，布兰登，也是25岁，并且收入也差不多，他意识到存10%的钱不会让他很快获得经济自由，如果他想看到什么重大的差异，他要等到自己65岁的时候。
So he decides to take a different approach.
所以他决定采取另一种方式。
Instead of saving 10% of his income, he decides to save 25%, and instead of simply saving it, he invests it into an investment fund.
不只是节省10%的收入，他决定节省25%而且不仅仅是简单的存钱，他将其投资。
Like his other 2 friends, his income increases by an average 3 percent.
和他的另外两个朋友一样，他的收入平均增长3%。
Assuming that he keeps only investing 9 thousand out of his salary, although that his income is increasing ever year.
假设他保持九千美元的投资，尽管他的工资每年一直在增长。
In just under 10 years, his savings grows up to more than $151,093.20.
在不到十年的时间里，他的储蓄增加到超过151，093。20美元。
He can withdraw that money and start his own business, and maybe retire earlier or he simply can keep it in an investment fund, and without saving a single penny for the rest of his life.
他可以取出这笔钱，自己创业，也可以提前退休，或者仍旧放在投资基金中，这样后半生就不需要省下一分钱。
That initial savings of 150,000 dollars will grow up to 4.2 Million by the time he retires.
他最初节省下来的150，000美元，在他退休时就可以增加到420万。
So compare to Bill and John, Brandon will have either retire earlier or have an amazing retirement.
所以比起比尔和约翰，布兰登要么提前退休，要么拥有一个非常享受的退休生活。
What sets Brandon aside from the other 2, is that he knew if he would sacrifice 10 years of his life now, he will be able to live the rest of his life as he wants.
布兰登之所以和另外两人不同的原因，是他知道只要现在牺牲他人生中的十年，他以后将活成梦想中的样子。
So the first idea is that, you should know exactly why you want to save in the first place.
所以第一个技巧就是，你应该清楚地知道自己存钱的目的。
A lot of people give up and stop saving because they don't see exactly why they are saving.
很多人放弃存钱因为他们并没有确切认识到自己为什么要储蓄。
Your goal shouldn't be to save for a great wedding or a brand new car, because once you get that car, you will go back to your previews position and still face those financial challenges.
你的目标不应该是为了一场盛大的婚礼或者一辆全新的车，因为一旦你买到了那辆车，你会回到原点，仍旧面对那些财务危机。
So the ultimate goal should be to achieve the financial freedom.
所以最终的目标应该是实现经济自由。
Tip number 2 is, pay yourself first.
技巧二，优先为自己投资。
Before even spending a single penny out of your income, put aside a percentage of it into your saving account, if you don't have one, then go on and make one.
在你从自己的收入中花掉任何一分钱之前，把它的一部分放进你的储蓄账户，如果没有，就去申请一个。
You are not allowed to spend this money under any circumstances, no matter what you are going through.
在任何情况下你都不可以花掉这笔钱，无论你正在经历什么。
This money cannot be spent anywhere, but only can be invested.
这笔钱不能花在任何地方，除非作为投资。
Consider is to be as part of your taxes, something that you have to pay whether you like that or not.
把这笔钱看做税收的一部分，无论你喜欢与否，都要支付的那种支出。
Next. Know your expenses.
下一条。了解你的开支。
If you are not a consistent saver, then it might really be difficult to start, especially in the first couple of month, when you realise that your savings aren't growing as fast as you would want them to.
如果你一直都没怎么存钱，那么刚开始可能会很难，尤其是最初几个月，当你意识到你的储蓄并没有像你期望的那样涨得很快。
So, instead, know your expenses first.
所以，首先要了解你的开支情况。
Spend the next 30 days writing down every transaction you make, so that by the end of the month, you will have a detail understanding of how exactly you spend your money, and you can deduct your expanse in those areas that don't have a big effect on your life.
接下来的30天里写下花掉的每一笔钱，这样到了月底，你就可以详细了解你究竟如何花了钱，就可以在那些对生活没有太大影响的领域减少一些花费。
For instance, instead of buying a coffee every morning, you can make that yourself and save somewhere around 50 to 70 bucks a month.
比如，每天早上不要买咖啡，你自己煮，这样一个月可以省下大约50到70块钱。
Instead of driving, use public transport to get to your job if it's more affordable, and you might save another 50 or 60 bucks there.
不要开车去上班，乘坐公共交通更实惠，你又可以节省50到60块钱。
And this way you might save couple of hundred dollars every single month.
这样你每个月都可以省下几百美元。
Tip number four is, procrastinate.
技巧四，拖延。
Procrastination is bad but not in this case.
拖延不是好事，但在这种情况下不同。
Usually we get excited when we want to buy something new right away, even if it's something that we don't really need,
通常我们想要购买新的东西时会很兴奋，即使那不是真正需要的东西。
But Overtime that excitement goes away.
随着时间的推移，那种兴奋会消失。
It's like when you buy that a new phone, in the first couple of days, you might still be excited about it, but then, you know what happens, it just becomes normal.
就像你买新手机一样，最开始几天，你可能会很兴奋，但之后，你也知道的，就会感觉很普通。
So why not get into the habit of waiting to buy things, especially expensive ones?
所以为什么不养成拖延买东西的习惯，尤其是昂贵的东西呢？
You'll still end up buying all the important things you need, but there will be plenty of times when you change your mind and hold into your cash.
你仍会购买所需的重要物品，但会有很多次，你会改变主意，留下自己的钱。
Use cash.
花现金。
Whenever you want to buy something, try to always use cash instead of a debit card,
每次你要买东西时，试着用现金而不是刷卡。
Whether you are ordering food in the restaurant or getting something from groceries. handing over a 20 dollar bill is a lot harder than just swiping your card, simply because when you swipe your card, it feels like you are spending a lot less.
无论你是在餐厅点餐，还是到杂货店买东西，交出一张20块钱的钞票要比刷卡难得多，就是因为你刷卡的时候，感觉上没有花那么多钱。
Over time, you will become a more conscious spender, and you'll buy more of what you need and less of what you want.
过段时间，你将会成为一个有意识的消费者，你就会更多地买需要的东西，而不是想要的东西。
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