花钱容易赚钱难：精打细算十大省钱妙招

6. They find satisfaction in what they have.
6. 他们在自己拥有的东西中找到满足感。

Financially happy people live within their means and ignore the temptation to keep up with everybody else. Income levels vary and they realize that keeping up with the Joneses can bring more headaches than joy. They do what they can according to their income and they're content with their life — even if it means driving a regular car and living in a smaller house.
经济上快乐的人量入为出，能抵住和他人比较的诱惑。收入水平各不相同，而且他们意识到攀比带来的痛苦比快乐更多。他们根据收入条件做自己想做的事而且满意自己的生活——即使这意味着开更普通的车和住更小的房子。

7. They control impulse spending.
7. 他们能控制冲动消费。

Impulsive spending can bust budgets and drain finances. A person who's financially happy doesn't shop on a whim. They typically plan purchases and only spend if it's in the budget.
冲动消费会超出预算并花光钱。财务状况好的人不会因一时兴起购物。他们通常会想好买什么，而且只会在预算内消费。

8. They are well-informed borrowers.
8. 他们是消息灵通的借款人。

Whether they're applying for a credit card or applying for a mortgage loan, they always compare different products and do their homework to ensure they're getting the best deal. If they don't feel comfortable with a particular offer, they're not afraid to walk away.
不管是申请信用卡还是抵押贷款，他们总会比较不同的产品，会做功课以确保他们得到的是最好的。如果他们觉得某个价格不合适，他们不怕放弃。

9. They haven't avoided retirement planning.
9. 他们不排斥退休计划。

If you're in your 20s or early 30s, retirement planning may be the farthest thing from your mind. But if you want to be financially happy in your later years, you need to start now.
如果你现在是20多岁或30岁出头，退休计划可能是你最不会想到的事情。但如果你想晚年在经济上宽裕些，现在就要开始考虑了。

Retirement planning isn't something to put off until you're in your mid-30s. The age that you start preparing dictates your quality of life in retirement. Financially happy people think long-term and they know that the decisions they make today have a major impact on their financial future.
退休计划不是推迟到35岁左右才考虑的事。你开始准备的年龄决定了退休后的生活质量。在经济上有幸福感的人会从长远考虑，而且他们知道今天做出的决定对未来的财务情况有重大影响。

10. They don't give up.
10. 他们不放弃。

Even with a good financial plan, setbacks can happen. Losing your job and living off savings can wipe out everything you've stashed over the past couple of years. And unexpected bills or illnesses can delay goals, such as paying off debt and buying a home. However, a financially happy person knows that life happens and they don't quickly throw in the towel. They believe in comebacks and do whatever it takes to reach their goals.
即使有很好的财务计划，困难也会发生。丢工作饭碗靠积蓄生活会毁了你在过去几年积累的一切。意想不到的花销或疾病会拖延像还债、买房之类的目标。不过他们知道生活多起伏，不会马上认输的。他们相信“千金散尽还复来”，会尽一切努力达成自己的目标。