华尔街的赚钱经 第35期:如何快速变成有钱人(3)

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4, Save Towards A Specific Goal

为自己设立一个具体目标

Having a very clear goal in mind can make it much easier to save up. If you know that you need $1, 000 for that new computer, or if you're determined to reach $5, 000 in your emergency fund, focusing on the end goal can keep you motivated.

有一个非常明确的目标可以让你的省钱计划更加易行。如果你知道需要1，000元买一个新电脑，或者决定要存5，000元，以备不时之需，明确最终目标能够让你保持干劲。

Your end reward might not be a tangible thing like a vacation or a new purchase: it might be peace of mind, or a sense of security or freedom. Consider visualizing how you'll feel once you have your target amount in the bank. Will it take a weight off your shoulders? Will you be proud of what you've achieved?

你也许因为要存钱而不能去度假或消费，但你因此收获了安心、安全感和自由。想象着存折上的数字一亘在增加，你是不是感到自己的生活压力小了许多?你会为自己所拥有的而自豪吗?

5 Automate Your Savings

自动化你的储蓄

Finally, if you do find that your motivation waxes and wanes, simply automate your savings. Get your bank to transfer $100 (or $200 or $500 etc) from your checking account into a savings account, at the start of each month. If the money goes out without you having to lift a finger, chances are that you'll simply let it head off into the savings pot.

最后，如果你发现自己省钱的激情在减弱，想办法让储蓄变成一个自动化的流程。让银行在每月的月初自动把支票账户里的100元(200或500)转到储蓄账户中。不需费事就把钱存了起来，你轻而易举就一头扎进储蓄罐里了。