第403期:財務自由不是白日做夢,這些祕密讓你不再吃土

想要實現財務自由嗎？其實並不難，但這一切都需要點滴的改變和積累，來看看下面的小技巧吧！一定會讓你受益匪淺的。

New Words:
financial adj. 金融的；財政的，財務的
fantasy n. 幻想；白日夢；幻覺
restless adj. 焦躁不安的；不安寧的；
spouse n. 配偶
budget n. 預算，預算費
purchase n. 購買
accumulate vi. 累積；積聚 vt. 積攢
asset n. 資產；優點；
continuously adv. 連續不斷地

1. Stop Unnecessary Spending
停止不必要的開支
For example, you may spend when you're anxious, depressed, restless, exhausted, or from fear of missing out, or to please others.
例如，你可能會在焦慮、沮喪、煩躁、疲憊、害怕錯過或取悅他人的時候花錢。

2. Plan a Monthly Budget
計劃每月預算
Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses.
與你的配偶或伴侶坐在一起，根據你的收入，而不是你的開支來制定每月預算。

3. Cut up Credit Cards
剪掉信用卡
Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit card for all future purchases.
如果沒有對信用卡消費和支出的適當的自我控制，你基本上等於在是扔錢。爲了確保你能更好地控制消費，只使用現金或借記卡來購買未來所需。

4. Increase Savings
增加儲蓄
There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working.
毫無疑問，爲了舒適的退休生活，你必須在工作中積累讓你滿意的積蓄。現在投資好的退休計劃會確保你在不工作的時候保證每月穩定的收入。

5. Invest Wisely
明智投資
To get the most benefits, make sure you are investing in a variety of assets.
爲了將利益最大化，確保你投資於各種產業。

6. Be Extra Patient
需要額外的耐心
Patience is the key of financial success.
耐心是財務自由的關鍵。
Being patient can be quite tough, especially when you're struggling with your finances, but having faith is worth it. You'll continuously be on the right track if you are taking the proper steps above.
耐心是很難的，尤其是當你在爲自己的財務而苦苦掙扎的時候，但是信心讓着一切都變的值得的。如果你正在採取以上所說的措施，那麼你就會逐漸步入正軌。

想知道卡卡老師的發音祕訣?關注微信公衆號 卡卡課堂