花钱容易赚钱难：精打细算十大省钱妙招

Financial happiness doesn't come easy when your money isn't right. Debt, overdrawn accounts, and too little income can drain you emotionally.
财务状况不好时不太会有经济上的幸福感。债务、账户透支以及收入太少会让你很泄气。

This situation is all too common. But some people have discovered how to be financially happy. What's their secret?In most cases, it's all about adopting smarter financial habits — something anyone can learn.
这种情况太常见了。但是有些人已经知道如何在经济上找到幸福感。他们有什么秘诀？大多数情况下与更聪明的理财习惯有关——任何人都可以学习它们。

1. They take steps to reach goals.
1. 他们想办法实现目标。

Wanting to find your financial happiness is one thing; taking steps to achieve this is an entirely different story.
想有良好的财务状况是一回事，采取措施实现它完全是另一回事。

Financially happy people don't wait for money to fall into their lap. They pave their own path. Here's the thing: if all you do is sit back and moan about your finances, things may never change. Identify where you need to make improvements, and then create a realistic financial plan that works for you. If you need a little help, get a financial planner.
经济条件好的人不会等钱进口袋。他们为自己铺路。事情是这样的：如果你做的只是坐着抱怨自己的财务状况，境况可能不会改变。确定自己需要改进的地方，然后想个实际点的财务计划。如果你需要帮助，可以去找理财规划师。

2. They spend within a budget.
2. 他们的花费控制在预算之内。

These individuals realize that there are limits to what they can do — financially speaking. Like anyone, they would probably enjoy shopping whenever they like, going on vacations whenever they like, and spending money however they like. But this isn't the reality for most people, and financially happy people know this. They stick with a budget, which is how they avoid unnecessary debt and have enough income to pay bills.
这些人意识到他们在经济上有限制。和别人一样，他们可能也想随性购物、随性度假、随性花钱。但这对大多数人来说不现实，而他们知道这一点。他们坚持在预算内消费，这就是他们如何避免不必要的债务以及有足够的钱支付账单。

3. They pay credit balances and maintain good credit.
3. 他们付卡帐并且有良好信用。

Being financially happy starts with being financially responsible. These individuals understand the dangers of credit cards and the importance of good credit. They may only use a credit card when absolutely necessary and pay off the balance each month. Their habit of timely payments and only buying what they can afford contributes to low debt and a higher credit score.
财务状况良好始于对其负责。这些人了解信用卡的风险和信用良好的重要性。他们可能只在非常必要的时候用信用卡，并且每个月付清欠费。及时付款和只买付得起的东西的习惯让他们有低债务和高信用。

4. They plan for financial misfortune.
4. 他们未雨绸缪。

It may look as if financially happy people have zero financial worries. But they know that misfortune can happen at anytime, and they take steps to protect themselves and their families against unforeseen events.
经济状况良好的人看起来没有财务上的担忧。但他们知道不幸可能随时发生，为了应对无法预见的事情，他们会采取措施保护自己和家人。

For example, they will have life insurance to protect their spouses and children in the event of an untimely death. And they will have set aside a cash reserve as backup in a financial crisis. Careful preparation provides peace of mind.
例如，他们担心自己过早死亡，所以会买人寿保险保护配偶和孩子。而且他们为金融危机留有预备金。精心准备会带来心灵上的稳妥。

5. They don't define success by the size of their bank accounts.
5. 他们不以账户数额的大小界定成功。

While these individuals work hard to care for themselves and family, happiness and success isn't necessarily determined by the number of zeros in their bank accounts. They recognize the danger of basing success on a dollar amount. Financial happiness comes from knowing that they're on the right path and making responsible choices with their money.
虽然这些人为了照顾自己和家人很努力，但幸福和成功不一定由他们银行账户里零的个数界定。他们认识到把成功建立在金钱上很危险。经济上的幸福感来源于知道自己走得正确，并对如何花钱做出负责任的选择。