change them to better habits. Habits that would improve your life or at least wouldn't

將它們改變為更好的習慣。習慣會改善你的生活，或者至少不會

harm you. The process of developing habits takes a lot

傷害你。培養習慣的過程需要很多

of time, but today we are going to do something different. We are going to focus on small

的時間，但今天我們要做一些不同的事情。我們將專注於小

habits that you can easily adapt right. They are not going to take you a lot of time, but

習慣，你可以很容易地適應權利。它們不會花費你很多時間，但

yet they are very effective. The moment I started implementing these habits, financially,

但它們卻非常有效。當我開始實施這些習慣的時候，財務上。

i started doing better, that's why i am going to share with you 12 mini money habits

我開始做得更好，這就是為什麼我將與你分享12個迷你金錢習慣的原因

that you should start doing right now. So, Let's start with the first one.

你應該現在就開始做。是以，讓我們從第一個開始。


 Don't use cash

不要使用現金

I might get criticized for saying something like this but hear me out. The greatest financial

我說這樣的話可能會受到責備，但請聽我說完。最大的金融

habit you can ever develop is tracking your expenses. Because when you know how exactly

你可以養成的習慣是跟蹤你的開支。因為當你知道究竟如何

you are spending your money, it's much easier to change your behavior.

如果你知道你在花錢，改變你的行為就會容易得多。

If you are spending too much on moving around, next time, you will be more careful before

如果你在移動方面花費太多，下一次，你會在之前更加小心。

taking another unnecessary ride. And the easiest way to track your expenses is to pay with

乘坐另一種不必要的交通工具。而追蹤你的支出的最簡單方法是用

a credit or a debit card. Every transaction is recorded on your phone and you can revisit

信用卡或借記卡。每筆交易都記錄在你的手機上，你可以重新訪問

your transactions every day to see if you are not overspending. 

每天查看你的交易，看看你是否有超額支出。

Which brings me to point number 2. 


這讓我想到了第2點。

2. Spend 5-10 minutes every night to audit your spendings

2.每天晚上花5-10分鐘來審計你的花費。

An hour or two before you go to bed. Just pick your phone, open your app that tracks

在你睡覺前的一兩個小時。只要拿起你的手機，打開你的應用程序，跟蹤

your expenses and take a look at how much you have spent today. Just Audit your expenses.

你的開支，看看你今天花了多少錢。只要審計你的支出。

You might realize that you have overspent on food today. That will push you to be more

你可能會意識到，你今天在食物上超支了。這將促使你更加

careful next time when you are buying a meal. Or maybe you have spent too much on uber,

下次在買飯的時候要小心。或者是你在uber上花了太多錢。

and you have to minimize your expenses for the next few days so that you don't get into

而你必須在接下來的幾天裡儘量減少你的開支，這樣你就不會陷入

a credit card debt at the end of the month. People usually act when it's too late, when

月末的信用卡債務。人們通常在為時已晚的情況下采取行動，當

they have already run out of money. So they are forced to get into debt, but then they

他們已經沒有錢了。是以，他們被迫負債，但隨後他們

repeat the same mistake over and over until they find themselves buried in a lot of debt.


一次又一次地重複同樣的錯誤，直到他們發現自己被埋在大量的債務中。

3. set a budget for everything

3.為所有事情制定預算

What most people do - They work hard, save money, they might even save for 6 months worth

大多數人所做的--他們努力工作，存錢，他們甚至可能存6個月的錢。

of expenses. Fantastic!

的費用。太棒了!

But then they go on a vacation. And while they are on vacation, they want to enjoy.

但後來他們去度假了。而當他們在度假時，他們想享受。

They realize they have all that money that they don't need urgently. Why not spend some

他們意識到他們有那麼多不急需的錢。為什麼不花一些

of it? I mean you will get back to work in a week or two and fill it again, right?!

的？我的意思是，你會在一兩個星期內回到工作崗位上，並再次填補它，對嗎？

But you won't! So to avoid overspending or withdrawing from

但你不會的!是以，為了避免過度消費或從

your savings account, always set a strict budget and never leave it no matter what!

你的儲蓄賬戶，總是設置一個嚴格的預算，無論如何都不要離開它！你的儲蓄賬戶。

This is how much you set for a vacation. That's it! That's your budget!

這是你為假期設定的金額。就這樣吧!這就是你的預算!

This is how much you have set for outside dining. You can't spend more than that! You

這是你為外部餐飲設定的金額。你的花費不能超過這個數字!你

will have to wait till next week! 


將不得不等到下週!

4. automate your investments

4.使你的投資自動化

If you are not into investing, I mean if your job is not directly related to the stock market

如果你不喜歡投資，我是說如果你的工作與股票市場沒有直接關係

or real estate. You probably don't have the time to analyze companies, look for real estate

或房地產。你可能沒有時間去分析公司，尋找房地產。

deals, or follow up the financial news. That's why you watch people like me who try to summarise

交易，或跟進金融新聞。這就是為什麼你看我這樣的人，他們試圖總結

everything in short animated videos. But here is a Lifehack! You can't always look for the

一切都在簡短的動畫視頻中。但這裡有一個生活小竅門!你不能總是尋找

next opportunity, and you don't simply want to keep your savings in cash because you might

下一個機會，而且你不只是想把你的儲蓄放在現金裡，因為你可能會

end up spending them so chose a few stocks or maybe one index fund and dollar cost average.

最終花掉它們，所以選擇了幾隻股票或可能是一隻指數基金，然後進行美元成本平均。

Which means every week or month, just invest in that stock without analyzing a new company

這意味著每個星期或每個月，只需投資於該股票，而無需分析新的公司

every time you invest. I get it, you don't want to be buying at the

每次投資都是如此。我明白了，你不希望在買入的時候

top, but you don't know where is that top! So just invest every week, you will hit the

頂端，但你不知道那個頂端在哪裡!是以，只要每週投資，你就會打到

top and the bottom so you will dollar cost average at the end of the day. And you aren't

在一天結束的時候，你將會得到美元成本平均數。而你並不是

going to waste your time looking for opportunities which means you will finally start investing

浪費你的時間去尋找機會，這意味著你將最終開始投資。

instead of just watching how others are investing.  


而不是隻看別人是如何投資的。

5. negotiate whenever you can 

5. 儘可能地進行談判

You can't negotiate when you are in Walmart, for example, since prices are fixed, and if

例如，當你在沃爾瑪時，你無法進行談判，因為價格是固定的，而且如果

you don't like it, no one is pushing you to buy anything from there. However, there are

你不喜歡它，沒有人強迫你從那裡買東西。然而，有

plenty of stores where there is room for negation. Whatever you are buying, if it's possible

很多商店都有否定的餘地。無論你要買什麼，如果可能的話

to negotiate, always do it whether you are in a job interview trying to get a higher

談判，無論你是在工作面試中，還是在試圖獲得更高的薪水時，都要這樣做。

salary or buying a house.  You might put yourself in an uncomfortable

薪水或買房子。 你可能會讓自己處於一個不舒服的狀態

position but imagine for a moment if you get a slightly better deal. If you get a 5 or

位置，但想象一下，如果你得到一個稍好的交易。如果你得到一個5或

10 percent raise. That extra 5 or 10 percent means now you can save more money, and if

10％的加薪。這額外的5％或10％意味著現在你可以節省更多的錢，而如果

you count the opportunity cost, which means how much that extra 5 to 10 percent is goi

你計算機會成本，這意味著額外的5％至10％會有多大的收益。

ng to worth in the long run, then you just saved yourself a fortune.

從長遠來看，你的價值是不高的，那麼你就為自己節省了一筆錢。

Especially if you are buying a house, whenever you buy something really expensive like a

特別是如果你要買房子，每當你買一個非常昂貴的東西，如一個

house that costs a million dollars, for example, 20, 30, or even 50K dollars do not seem much

比如說，花費一百萬美元的房子，2、3、甚至5萬美元似乎並不多。

in comparison. But if you drive the price down by 30K, for example, that's equivalent

相比之下。但如果你把價格降低3萬，比如說，這相當於

to someone just handing you $30K. You just saved yourself a few months of work.

到有人直接把3萬美元交給你。你剛剛為自己節省了幾個月的工作。


 6. Always check the lower shelves


6.始終檢查下層貨架

Hypermarkets or stores, in general, have long ago analyzed your height and carefully placed

大賣場或商店，在一般情況下，早就分析了你的身高，並精心放置了

the most expensive items at your eye level. So that you come across them first. If you

最昂貴的物品在你的視線範圍內。這樣你就會先看到它們。如果你

take a look at the lower levels, prices are a bit cheaper because that's where they place

看看低層，價格有點便宜，因為那是他們放置的地方。

the most affordable items since they know that most people aren't going to look at them.

最實惠的項目，因為他們知道大多數人不會去看它們。

But you can outsmart them by taking a Moment and checking what's down there. Usually, the

但你可以通過採取一個瞬間並檢查下面的東西來超越他們。通常情況下，

products aren't much different from the ones on the top. Eye-level shelves at stores usually

產品與上面的產品沒有太大區別。商店裡的目測貨架通常

cost fortunes, and the companies who are willing to pay that much usually include that cost

成本很高，而願意支付這麼多錢的公司通常會把這個成本包括在內。

in the price of that product. So you are basically paying for not looking down.

在該產品的價格中。所以你基本上是在為不往下看付費。

7. Don't brag about how much money you have or make


7.不要吹噓你有多少錢或賺多少錢

People have the tendency to expect more from people who make more money. If you get them

人們傾向於從賺取更多錢的人那裡期待更多。如果你讓他們

a little small present on their birthday, they won't like you, but if they think that

在他們的生日上送一份小禮物，他們不會喜歡你，但如果他們認為

you are not a rich dude and you barely making ends meet, then they will be happy that you

你不是一個富有的人，你勉強維持生計，那麼他們會很高興你

even got them that little gift. I know that it sounds horrible, but that's

甚至給他們買了那個小禮物。我知道這聽起來很可怕，但那是

how humans are. You are rich. - People expect more from you. It's like when a billionaire

人類是如何。你很富有。- 人們對你的期望更高。這就像當一個億萬富翁

donates a hundred million dollars. People still criticize him saying that's peanuts

捐贈了一億美元。人們仍然責備他，說那是花生。

for him. He makes much more than that. Well, who cares how much he makes? He donated more

為他。他賺的錢比這多得多。好吧，誰在乎他賺多少？他捐出了更多

money than you will be able even if it's a tiny fraction of his wealth.

比你更有能力，即使是他財富的一小部分。

8. surround yourself with likeminded people 
 It's very difficult to live frugally, trying

8.與志同道合者為伍 節儉生活是非常困難的，要嘗試

to get financially free as soon as possible when your friends enjoy expensive meals, expensive

當你的朋友享受昂貴的膳食、昂貴的價格時，你要儘快獲得財務自由。

vacations, and 5 dollar coffees. Sometimes you even wonder whether it worth saving all

假期，和5美元的咖啡。有時你甚至懷疑是否值得保存所有

that money. So in order to keep yourself motivated, surround yourself with people with similar

那筆錢。是以，為了保持自己的積極性，在自己周圍要有類似的人。

goals. Join the FIRE movement on Reddit, join the chat rooms, share with each other different

目標。加入Reddit上的FIRE運動，加入聊天室，相互分享不同的

tools and techniques you use to save money. It really helps to know that you are not alone

你用來省錢的工具和技術。知道你不是一個人，真的很有幫助。

in this tourney, you are not the only one who is struggling now to be financially free

在這個巡迴賽中，你不是唯一一個現在正在為財務自由而奮鬥的人。

later. In the process, you are going to learn so much that you will cut your journey by

後來。在這個過程中，你會學到很多東西，你的旅程會減少

a milestone.

一個里程碑。

9. Avoid cheap shoes

9.避免廉價鞋

This might sound a bit controversial because we talk about saving money and being frugal

這聽起來可能有點爭議，因為我們談論省錢和節儉的問題

and yet here I am telling you to never to buy another pair of cheap shoes or in fact,

然而，我在這裡告訴你，永遠不要再買一雙廉價的鞋子，或者事實上。

clothes.  What does cheap or expensive mean? If you

衣服。 廉價或昂貴意味著什麼？如果你

buy a pair of cheap shoes that are going to last you a month or two, then I call that

買一雙能維持一兩個月的廉價鞋，那我稱之為

expensive, that was a waste of money. But if you spend slightly more and these shoes

昂貴，那是浪費錢。但如果你花的錢稍微多一點，而這些鞋子

will last you a few years, that's what I call the ultimate way to save money.

將持續幾年，這就是我所說的省錢的終極方法。

Whenever you buy clothes or shoes, ask yourself how long will this pair of shoes or this shirt

每當你買衣服或鞋子時，問自己這雙鞋或這件襯衫能穿多長時間？

is going to last me. I would buy sneakers that I can wear for the next five years rather

是會持續我的。我會購買可以在未來五年內穿的運動鞋，而不是

than buy a new pair every single year.

而不是每年都買一雙新的。

10. avoid your local grocery store

10.避開你的當地雜貨店

I get it, it's comfortable to get your groceries from the corner shop beside your house. You

我明白了，從你家旁邊的轉角商店買東西很舒服。你

don't have to walk anywhere far, it's convenient and you pass through the store every day.

不需要走很遠的地方，很方便，而且每天都會經過這家店。

But groceries are slightly more expensive there than in hypermarkets.

但那裡的雜貨比大賣場略貴。

That might not seem a lot, but over time, they add up and turn into a decent amount

這可能看起來不是很多，但隨著時間的推移，它們加起來就會變成一個相當大的數額。

of money. So here is what I like to do. I buy bulk! Go to the nearest hypermarket

的錢。是以，我喜歡這樣做。我買散裝貨!去最近的大賣場

and buy the stuff you need for the next month at least. If you turn it into a habit, you

併購買下個月至少需要的東西。如果你把它變成一種習慣，你

are going to save a fortune in the long run. 


從長遠來看，這將節省一大筆錢。

11. cut back on sweets  


11.減少甜食

The worst habit you can ever develop is eating a lot of sweets. Don't get me wrong, I like

你能養成的最糟糕的習慣是吃很多甜食。不要誤會我的意思，我喜歡

sweets too, but most sweets are made out of pure harmful ingratiates. They are expensive,

糖果也是如此，但大多數糖果都是由純粹的有害物製成的。它們很昂貴。

and they damage your health. It's ok to have some time to time but try to cut on them as

而且它們會損害你的健康。偶爾吃一些是可以的，但要儘量少吃。

much as you can. You have no idea how much you are going to save if you cut back on sweets,

儘可能的多。你不知道如果你減少甜食，你將會節省多少錢。

and most importantly, you are going to save a fortune on medical bills as well.

最重要的是，你也將在醫療費用上節省一大筆錢。


 12. And finally, think twice before paying

12.最後，在支付之前要三思而後行


 This is one of the best habits I have ever

這是我所見過的最好的習慣之一。

developed. I use to waste a lot of money like some of you. And then, a few minutes or hours

發達。我曾經像你們中的一些人一樣浪費了很多錢。然後，在幾分鐘或幾個小時內

later, I would ask myself why on earth did I buy that. I don't need it. I just wasted

後來，我就會問自己，我究竟為什麼要買這個。我不需要它。我只是浪費了

money. It happens to all of us so I have promised myself to think for a minute before paying

錢。這發生在我們所有人身上，所以我已經答應自己在付款前考慮一分鐘。

for something, even if its something I wanted to buy for a long time.

購的東西，即使是我想買了很久的東西。

I ask myself, do I really need that or I just want to spend some money, and the answer is

我問自己，我真的需要這個嗎，還是我只是想花點錢，答案是

quite often the latter. Try it, but do not be biased. Try to think about it independently. 

往往是後者。試試吧，但不要有偏見。試著獨立思考一下。

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如果你喜歡這個視頻，請為這個視頻豎起應有的大拇指，並讓

sure to subscribe if you haven't done that yet.

如果你還沒有這樣做，請務必訂閱。

Thanks for watching and until next.

謝謝你的觀看，直到下一次。