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1. Live Below Your Means 1£®Á¿ÈëΪ³öµÄÉú»î·½Ê½ There will always be temptation to forsake the future for immediate gratification. We all want to buy that new piece of technology, treat ourselves to an expensive night on the town, or take out a loan for the flashy car we can't afford. It might feel great at the time but rash spending hurts a lot later on. Õâ¸öÊÀ½ç³äÂúÌ«¶àµÄÓÕ»ó£¬Ê¹µÃºÜ¶àÈ˶¼ÒòÔÝʱµÄÂú×ã¸Ð¶ø·ÅÆúÁËδÀ´¡£ÎÒÃǶ¼ÏëÒªÓµÓÐ×îÐÂ×î°º¹óµÄ¼¼Êõ²úÆ·£¬Éݳ޵ØÏíÊÜij¸öÒ¹Íí£¬»òÕßÓôû¿î¹ºÂòÒ»Á¾ÎÞ·¨¸ºµ£µÄºÀ»ª½Î³µ¡£µ±Öָоõ¿ÉÄÜÕæµÄºÜºÃ£¬µ«ºÁÎ޼ƻ®µÄ¿ªÖ§Ö»»á´øÀ´¸ü¶àµÄºóÒÅÖ¢¡£ Enjoy life's simple pleasures and save as much as you can. Expensive things don't create lasting happiness and security. Careful spending will bring you greater leisure and enjoyment in the long run. ÏíÊÜÉú»î¼òµ¥µÄ¿ìÀÖ£¬²¢¾¡¿ÉÄܱ£³ÖÕâÖÖ״̬¡£Éݳ޵ÄÎïÖÊÏíÊÜÊÇÎÞ·¨´øÀ´³Ö¾ÃµÄ¿ìÀֺͰ²È«¸ÐµÄ¡£×îÖÕ£¬Ö»ÓÐÁ¿ÈëΪ³öµÄÉú»î·½Ê½²ÅÄÜ´øÀ´°²ÒݵÄÉú»îºÍÐÒ¸£¡£ 2. Put Your Money to Work 2.Ͷ×ÊÊÂÒµ Saving is great, but to make the most of your money you need to put it to work. Good investments can be the difference between retiring in your 40's or in your 60's. ½Ú¼óÊÇÃÀµÂ£¬µ«Òª³ä·ÖµØÀûÓÃÄãµÄ½ðÇ®£¬¾Í°ÑËüÃÇͶ×ÊÔÚÊÂÒµÉÏ¡£ºÃµÄͶ×ÊÄÜÈÃÄãÔÚ40Ëêʱ¾ÍµÃµ½²ÆÎñÉϵĽâÍÑ£¬Õâ±È60ËêÍËÐÝÒªºÃµÃ¶à¡£ A post today at The Simple Dollar really got me thinking. According to Trent's projections, if a person in their early 20's invests 20% of their income in an S&P index fund, the interest they earn will equal their current salary when they reach their early 40's. They could retire without a drop in income! ½ñÌìÊÕµ½µÄÀ´×ÔThe Simple Dollar¹«Ë¾µÄÓʼþÈÃÎÒΪ֮Éî˼¡£ÌØÂ×ÌØµÄ¹ÛµãÊÇ£¬Èç¹ûÓÐÈËÔÚ20ËêÔçÆÚ¾Í¿ªÊ¼½«ÊÕÈëµÄ20%Ͷ×ÊÔÚS&PµÄÖ¸Êý»¯Ö¤È¯Í¶×Ê»ù½ðÉÏ£¬ÄÇôµ±ËûÃÇ40ËêʱËù׬µÄÀûÏ¢¾ÍµÈÓÚÏÖÔڵŤ×Ê¡£ÄÇʱ£¬ËûÃǾͿÉÄÜÔÚûÓÐÈκÎÊÕÈëµÄÇé¿öÏ´ﵽ²ÆÎñ½âÍÑ¡£ Wise investing is the surest path to financial independence and it's something everyone can work on. It's definitely an area I'll be devoting more attention to in my personal life and on this blog. Ã÷ÖǵÄͶ×ÊÊÇͨÏò²ÆÎñ½âÍÑ×î¿É¿¿µÄ;¾£¬Ò²ÊÇÿ¸öÈ˶¼Ñ§µÃ»á¡£ºÁÎÞÒÉÎÊ£¬ÕâÊÇÎÒÔ¸ÒâΪ֮¸¶³öÐÄѪÖÂÁ¦ÔÚÕâ¸ö²©¿ÍÉÏÑо¿ºÍѧϰµÄ¡£ 3. Educate Yourself 3£®×ÔÎÒÅàÑø To be happy we need continuous growth. The best way to grow is life long education. This doesn't mean you need to pursue a doctorateor spend 2 hours reading every day. Self education can be anything that takes you out of your comfort zone. The important part is keeping an open mind and searching for fresh ideas and perspectives. ÎÒÃÇÐèÒª²»¶ÏµØ³É³¤À´»ñµÃ×îÖյĿìÀÖÐÒ¸£¡£³É³¤µÄ×îºÃ·½·¨ÊÇÇîÆäÒ»ÉúµÄѧϰ¡£µ«Õâ²¢²»Òâζ×ÅÄã±ØÐëÒª»ñµÃ²©Ê¿Í·ÏλòÿÌìÁ½Ð¡Ê±µÄÔĶÁ¡£×ÔÎÒÅàÑøÊÇÄÜÈÃÄã´Ó°²ÒÝ»·¾³ÖÐ×ß³öµÄÈκη½Ê½¡£×î¹Ø¼üµÄÊDZ£³Ö˼Ï뿪·Å£¬Ñ°ÇóոеÄÏë·¨ºÍ¹Ûµã¡£ Education builds over time. It might feel like the bits of wisdom you acquire don't mean much, but over the years they add up to form a wiser, kinder, more interesting person. ×ÔÎÒÅàÑøÊÇͨ¹ýʱ¼äÀÛ»ý¶ø³ÉµÄ¡£¿ÉÄÜÄãËùѧµ½µÄ´ÏÃ÷²ÅÖÇÔÚĿǰ²¢ÎÞÌØ±ðÖ®´¦£¬µ«Ðí¶àÄêºó£¬ËüÃÇ»áÔÚ½¥½¥ÀÛ»ý£¬°ïÖúÄã³ÉΪһλÖÇÕߣ¬ÉÆÈË£¬»òÓÄĬ·çȤµÄÈË¡£ 4. Develop Lasting Personal Relationships 4£®³Ö¾ÃµÄÈ˼ʹØÏµ Suppose you had everything you wanted. Would you be happy without anyone to share it with? The personal relationships we develop with friends and family members are the greatest source of happiness in our lives. Don't forget about them. ¼ÙÉèÄãÒÑÓµÓÐÏëÒªµÄÒ»ÇС£µ«ÈçÈôÎÞÈË·ÖÏí£¬Ä㻹»á¿ªÐÄÂð£¿ÎÒÃÇÓëÅóÓÑÇ×È˼佨Á¢µÄ¸ÐÇé¹ØÏµÊÇ¿ìÀÖµÄ×î´óÀ´Ô´¡£ÇÐĪÍüÁËÕâµã¡£ Taking the time to cultivate and enjoy personal relationships is essential to longterm happiness. Without the people you care about you'll probably be miserable, no matter how successful you become. ¶®µÃ»¨Ê±¼äÀ´ÅàÑøºÍÏíÊÜÈ˼ʹØÏµÊÇÓÀ¾Ã¿ìÀֵı¾ÖÊÒòËØ¡£¼ÙÈçÄãûÓÐÕæÕýÏëÒª¹ØÐĵÄÈË£¬ÄÇÑùµÄÄãÊDZ¯²ÒµÄ£¬²»¹ÜÓжà³É¹¦¡£ 5. Work Towards a Dream You're Passionate About 5£®ÖÂÁ¦ÓÚÄãµÄÃÎÏë Even if your life isn't perfect, you can always build towards a goal you're passionate about. If you aren't building towards something, you're probably stagnating. When this happens to me I start to feel like a victim trapped by my own life. The best way to reverse this is working towards a goal. ¼´Ê¹ÄãµÄÉú»î²¢²»¹»ÍêÃÀ£¬ÄãÒ²¿ÉÒÔ³¯×ÅÄãµÄÃÎÏëǰ½ø¡£Ã»ÓпÉΪ֮ŬÁ¦µÄÄ¿±ê£¬¿ÉÄܾͻáÂýÂý±äµÃÍÇ·Ï¡£µ±ÕâÖÖÇé¿ö·¢ÉúÎÒÉíÉÏʱ£¬ÎҾͿªÊ¼¸Ð¾õÄÇÊÇÉú»îµÄÒ»¸öÏÝÚ塣ŤתÕâÖÖ×´¿ö×îºÃµÄ°ì·¨Êdz¯×ÅÒ»¸öÄ¿±êǰ½ø¡£ We can't control everything about our lives, but working towards a goal gives us something positive to focus on and lays the foundation for future success. No matter what your passion is, get out there and start doing something. As Lao Tzu said, even a journey of 1,000 miles begins with a single step. ¶ÔÓÚÉú»î£¬ÎÒÃÇÎÞ·¨Õƿأ¬µ«²»Í£µØ×·ÇóÄ¿±ê¿ÉÒÔÈÃÎÒÃDZäµÃ»ý¼«£¬Îª³É¹¦´òÏ»ù´¡¡£²»¹ÜÄãµÄÄ¿±êÊÇʲô£¬Ö»ÒªÄã϶¨¾öÐÄ̤³öµÚÒ»²½¡£ÀÏ×ÓÔøËµ£¬Ç§ÀïÖ®ÐÐʼÓÚ×ãÏ£¬¾ÍÊÇÕâ¸öµÀÀí¡£ Bonus: 6. Stay in Shape 6£®±£³ÖÁ¼ºÃ״̬ You only get one body. Once it's been ruined there isn't much you can do about it. Exercise to keep the rust off. Avoid excessive consumption of damaging substances and unhealthy foods. It may feel like terrible self denial at the time but enjoying good health in your later years is worth the sacrifice. ÉúÃüÖ»ÓÐÒ»´Î¡£Ò»µ©ÉíÌå³öÁËʲôÎÊÌ⣬¾ÍÔÙÎÞ·¨Íì»Ø¡£¶à×öÔ˶¯»áÈÃÉíÌå¸ü¼Ó½¡¿µ¡£¾¡Á¿±ÜÃâÓÐËðÉíÌåµÄ¹ýÁ¿Ô˶¯ºÍΣº¦½¡¿µµÄʳÎï¡£Ò²ÐíÄã»áÓз´¿¹ÇéÐ÷£¬µ«ÎªÁËÒÔºóµÄ½¡¿µÉú»î£¬ÕâÖÖÎþÉü¾ø¶ÔÊÇÖµµÃµÄ¡£ |
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