什么才是打开理财的正确方式?What is the right way to start"money management"?

       Hello,大家好,我是Mavis,很开心又和大家见面了。还记得上期我提到的“理财是一门基本的生活技能,基本到人人都应该掌握它,更是需要你终身学习的技能”吗?今天我会带领你们揭开理财神秘的面纱,一探究竟。


       因此,什么才是打开理财的正确方式呢?So, what is the right way to start “money management”?

      首先,请仔细回顾自己过往的经历以及身边的圈子。你是否出现过以下几种情况?First, let’s carefully review our own experiences and everything around it. Have you ever had any of the following situations?

还是一名正在读书的学生,不知道什么是理财或者只听过理财两字但不知道其具体含义;

You are still a student, and don't know what is money management. Or perhaps, you know these words but don't understand it well;

刚毕业工作一两年,工资几乎月月光,还透支信用卡;

You have been working for one or two years already right after graduation but your salary is being consumed at the beginning of the month. Plus, you also have a balance on your credit card;

毕业后的一路走来,工作、结婚和生子,导致没有多少存款且觉得钱总不够用,迫于无奈,生活只能墨守成规;

You've worked, you've married and you've become a parent all the way after graduation and you don't have a lot of savings. You always feel short of money and you're living a life of routine that will surely zap the joy out of you.

自己通过努力,早早收获自己的房子、车子和事业,但又总忙忙碌碌,没办法停下来好好享受生活的美好。

You have your own house, your own car and your own personal cause, through your own efforts. But, you are always busy and you have no time to stop and enjoy the beauty of life.

        如果你的情况属于以上任何一种,请赶快停下手里正在做的事,思考一下,到底是哪里出了问题?No matter which of the situations mentioned above you can relate with, at this moment, I invite you to stop and think for a few seconds. Ask yourself, what is the real meaning of “rich”?

       请不要为找不到原因而感到惊慌失措,根据黄金二八法则定律,世界上80%以上人的状态都是以上四种情况之一。当然也不要怀有大众心理而自我欺骗——还有这么多人和我一样。请记住,你现在的选择,将决定7年后的自己。我相信,既然你能看到这里,你也是更愿意成为那20%中的一员。这20%的人,在理财的知识体系内,被称之为是具有富人思维的人, 简称富人。相对的,具有穷人思维的人, 简称穷人。

       Do not panic right away without trying to find an appropriate solution. Well, according to the 80/20 rule, 80% of the people in the world are stuck on one of the situations mentioned above. But you could choose your own path and not follow the trend that most people (including me) engaged themselves into. Remember that, the choices that you make today will determine the person that  you will become seven years from now. And I believe that since you have been reading my column up to now, perhaps you would want to be included in the 20% of the 80/20 proportion of the economic population. In the financial knowledge system, 20% of the people are composed of those who have the"rich mind ", or in short, "the rich". While, the remaining are the people who possess the "poor mind" or in short, "the poor".

看看上面的图,看看自己是不是处于同样的恶性循环?  Take a look at the diagram above. Examine yourself if you are in the same vicious cycle.

        穷人和所谓的中产阶级一直在为钱工作,可他们并不知道,他们的生活始终是这样一个恶性循环:起床——工作(做生意)——还账单——起床——工作(做生意);他们害怕失去钱,害怕失去有着房贷的大房子、有着车贷的好车、有着看似光鲜外表的美好生活,于是更加勤奋地去赚钱。就这样,他们成为了金钱的奴隶,他们并不知道,在大多数情况下,他们的感情代替了他们进行思考。然而,他们只会越来越忙,陷入似乎永远无法摆脱忙碌的陷阱里。

        The poor and the “middle class” are always working for money, but they don’t know that, they’re living a vicious cycle of getting up——workingdoing business)——paying  the bills——then getting up (again)——doing business (again) ---and the cycle goes on. They are afraid of losing money, afraid of losing their big houses (with mortgages),the luxurious cars (with loans), and their lives that seem all good and well. And because of such fears mentioned, they work very hard to earn money, and so they become slaves to money. But they don’t know, that in most cases, their feelings think ahead of them,and they are only getting busier. They are stuck in the “busy trap” without them knowing the way out.

        相反地,富人是让钱为他工作。因为不用再为必要的开支出售自己的时间,富人便有大把的时间去做自己想做的事,去实现自我价值,过着大家都期待的美好生活。光想想是不是都觉得挺美?所以,为了实现财富自由,对于我们绝大数人而言,我们必须首先具备富人思维。如果没有,请转变你的思维。

        On the other hand, the rich people let the money work for them. They don’t have to sell their time to provide for their necessary expenses. The rich also have plenty of time to do the things that they want, to achieve self-worth and to live an attractive life that everyone would wish or hope for. It’s just so nice just to think about that kind of life, right? So, to realize the financial freedom, first,  We must have the“rich mind”. If you don’t have it yet, please make a commitment to change your mind.

        接下来,请看下面两种思维的具体表现:  Next, let’s look at two different ways of thinking in the comparative table below:

图片发自简书App

        看到这里,你是不是已经突然醒悟,终于知道自己为何穷了这么多年?现在行动还不晚,不如现在就思考一下如何培养富人思维?

        As you looked at the above table, has it dawned on you already why you have been poor for many years?Well, I have good news for you. It’s not yet too late to take action.So instead of focusing on the current, unpleasant situation.  Why not train your mind to think the way the rich people do?

关键词 keywords:

review v. to examine, consider, and judge a situation or process carefully in order to see if changes are necessary 审查,检讨,评审,回顾。

saving n. 存款  e.g. saving fund 储蓄基金 saving account 储蓄账户

routine n. the usual order in which you do things,or the things you regularly do 惯例,日常,例行公事  e.g.  Doing exercise is a task which I do every day as a matter of routine.运动是我每天必做的事情。

zap v.to quickly attack or destroy something 消除,消灭,去掉,在文中尤指每天一成不变的生活很是乏味。

panic v. to suddenly feel so frightened that you cannot think clearly or behave sensibly, or to make someone do this (使)恐慌,(使)惊慌失措 e.g. He started to panic when he saw the gun.他看见枪就慌了起来。

appropriate adj. correct or suitable for a particular time, situation, or purpose 恰当的;合适的  e.g. clothes appropriate for a job interview 适合求职面试穿的服装  It is appropriate(for sb)to do sth  e.g. It would not be appropriate for me to take action now.现在不适合我采取行动。

pursue v. to continue doing an activity or trying to achieve something over a long period of time 追求,继续进行 e.g. Students should pursue their own interests,as well as do their school work.除了完成课业之外,学生也应该追求自己的兴趣。

80/20 rule n. 二八法则,又名帕累托法则       

rich mind n. 富人思维     the rich n.富人   the poor n.穷人   middle class  n.中产阶级    

in short  adv.总之,简而言之   self-worth  n.自我价值

        今天就先到这里了,下期我会带领大家学习如何培养富人思维。小伙们如果有什么疑问和建议,欢迎私信我哟。

        简书:猫月无痕(搜索名字并关注,就可以私信我啦)



     

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