I hope you're having a lovely day today and I hope it gets even better from watching this video.

希望你們今天過得愉快，也希望看了這段視頻後，你們的心情會更好。

Today we're chatting all about little secret tips, tiny habits to glow up your finances and enter your rich girl era.

今天我們來聊一聊小祕訣、小習慣，讓你的財務狀況煥然一新，進入富家女時代。

Just get really knowledgeable about finances so you know what you're talking about, you know what you're doing.

只要真正瞭解財務知識，你就知道自己在說什麼，知道自己在做什麼。

We're going to be covering so many things from your money mindset to investing to budgeting, saving, emergency funds, sinking funds, all the things.

我們將從你的理財心態、投資、預算、儲蓄、應急基金、沉澱基金等多方面進行講解。

A few years ago, I was completely financially illiterate.

幾年前，我完全是個財務盲。

So when I make these kinds of videos,

是以，當我製作這類視頻時、

I like to make them very like easy to understand.

我喜歡讓它們非常容易理解。

So literally if you're starting from scratch, you're welcome here.

是以，從字面上看，如果你是白手起家，這裡歡迎你。

We're going to explain everything very easily so that you don't feel stupid because that is not the point, okay?

我們會非常輕鬆地解釋一切，這樣你就不會覺得自己很蠢，因為這不是重點，好嗎？

And everyone has to start somewhere.

每個人都必須從某個地方開始。

So don't you worry, okay?

所以你不用擔心，好嗎？

You don't have to be intimidated.

你不必害怕。

We're going to get through everything.

我們會渡過難關的。

And if you're new here, hi, I'm Nika, welcome.

如果你是新來的，你好，我是妮卡，歡迎你。

I make videos all about self-improvement and I like to make them very like actionable.

我製作的視頻都是關於自我提升的，我喜歡讓它們非常具有可操作性。

Here are the tips, the tricks, so you can actually create like the life that you want.

這裡有一些技巧和竅門，讓你可以真正創造出自己想要的生活。

So if that works for you,

所以，如果這對你有用的話、

I would love for you to stick around and subscribe and check out my social media if you want to see more of my personal life.

如果您想了解更多我的個人生活，我希望您能繼續關注和訂閱，並訪問我的社交媒體。

And without further ado, let's jump straight into it.

廢話不多說，讓我們直接進入主題。

We've got lots to cover.

我們有很多事情要做。

The first thing we're going to talk about is your money mindset because I feel like that's such a pillar when it comes to creating that foundation for your amazing financial future.

我們首先要談的是你的理財心態，因為我覺得這是為你的美好財務未來奠定基礎的支柱。

Obviously, if your mindset around money is really negative, if you have a lot of stress around money, if you think money is evil, etc., it's going to be really hard for you to create the life that you want financially speaking.

顯然，如果你對金錢的心態非常消極，如果你對金錢有很大的壓力，如果你認為金錢是邪惡的等等，那麼你就很難在經濟上創造出你想要的生活。

You're going to have a lot of resistance towards actually doing the things that you need to do to get to where you want to go.

你在做自己想做的事情時，會遇到很多阻力。

So first thing you're going to do is you're going to write down all of your negative kind of limiting beliefs around money.

所以，你要做的第一件事就是寫下你所有關於金錢的負面限制性信念。

So this can be things like money is the root of all evil.

是以，這可能是金錢是萬惡之源之類的東西。

People who are rich are selfish and greedy.

富有的人是自私和貪婪的。

Of course, you can add to this list as you go on, but then you're going to start to reframe them one by one and you don't want to do this all in one day.

當然，你也可以在這個清單上添加新的內容，但這樣一來，你就要開始一個一個地重構它們，而你並不想在一天之內完成所有這些工作。

You want to do this one at a time.

你要一次做一個。

I honestly wouldn't do more than like one per week.

老實說，我不會每週做超過一次。

Obviously, it depends on you, but you can get easily overwhelmed with these things and also you need time to digest this mental shift.

顯然，這取決於你自己，但你很容易被這些事情壓垮，而且你需要時間來消化這種心理轉變。

Just changing one is going to make a big difference.

只要換一個就會有很大不同。

Trust me.

相信我

So here is your step-by-step process of how to reframe these beliefs.

是以，下面就是你如何重塑這些信念的逐步過程。

So the first thing you're going to write is what is your emotional payoff of keeping this belief.

所以，你要寫的第一件事就是，堅持這個信念會給你帶來怎樣的情感回報。

So if I believe money is the root of all evil, my emotional payoff, for example, could be that I don't really have to go after what I want because I kind of have an excuse, like because if I make that money, that means I will be one of the evil people.

是以，如果我相信金錢是萬惡之源，那麼我的情感回報就可能是，我不必真的去追求我想要的東西，因為我有一個藉口，比如因為如果我賺到了錢，就意味著我將成為邪惡的人之一。

I don't want that.

我不想那樣。

So that is a nice little cushiony excuse for me to not put myself out there, to not go after my goals because money is the root of all evil anyway, so I don't want that.

是以，這是一個很好的緩衝藉口，讓我可以不把自己放在那裡，不去追求我的目標，因為無論如何，金錢是萬惡之源，所以我不想這樣。

Then you're going to write proof of why you believe this.

然後，你要寫出證明，說明你為什麼相信這一點。

Number one, my family used to always tell me this.

第一，我的家人總是這樣告訴我。

Number two, I met this chat guy who was a rich a**hole and he thought the whole world revolved around him and, you know, he was super greedy, selfish, whatever.

第二，我遇到了一個哈拉的傢伙，他是個有錢的混蛋，他認為整個世界都是圍著他轉的，你知道，他超級貪婪，自私，什麼的。

And then you're going to go through each point.

然後，你要逐一說明。

You're going to dissect it and prove yourself wrong.

你要剖析它，證明自己錯了。

Obviously, this is going to be very personal, but for example, with the family thing.

顯然，這將是非常個人化的，但舉個例子，家庭的事情。

So maybe my family used to always say that about all the rich people, even though it probably does not apply to every single one, to keep us where we were, to feel good about where we actually were and feel like we're the good ones and the righteous ones and everyone with money is bad and evil, which is probably not the case.

所以，也許我的家人過去總是這樣說所有的有錢人，儘管這可能並不適用於每一個人，但這樣說是為了讓我們保持原樣，讓我們對自己的原樣感覺良好，讓我們覺得自己是好人，是正義的人，而所有有錢的人都是壞人，都是邪惡的，但事實可能並非如此。

The chat guy probably would have been an a**hole whether he had money or not.

不管他有沒有錢，那個哈拉的傢伙可能都會是個混蛋。

You know, you go step by step and you expand on it as much as you can so that you really, really shift something.

你知道，你要一步一步地走，儘可能地擴展，這樣你才能真正地、真正地改變一些東西。

Next, you're going to write the belief that you would rather believe.

接下來，你要寫出你更願意相信的信念。

So let's say my belief would be money is actually just a tool.

所以，比方說，我的信念是金錢其實只是一種工具。

What someone does with it is based on their character, their upbringing, whatever, their personality.

一個人如何對待它，取決於他的性格、教養，無論如何，取決於他的個性。

Money in itself doesn't have a power to change someone.

金錢本身並不能改變一個人。

It might bring out certain qualities, but money is not the problem here.

這可能會帶來某些特質，但錢不是問題。

It's the person behind it.

是背後的人。

Then you're going to write evidence and proof of why this new belief is true.

然後，你要寫出證據和證明，說明為什麼這個新信念是正確的。

So let's say you actually met quite a few people that were actually really lovely and very giving.

比方說，你實際上遇到了很多非常可愛、非常樂於助人的人。

There's so many organizations that do so much good, where people with money donate to all the time, yada, yada, yada.

有那麼多組織做了那麼多好事，有錢人總是向它們捐款，諸如此類。

And then lastly, you're going to write the emotional payoff of this new belief.

最後，你要寫出這個新信念的情感回報。

First of all is that I can now view people as they are and judge them not because they have or don't have money, but based on the quality of their character.

首先，我現在可以如實地看待他人，並不是因為他們有錢或沒錢，而是根據他們的人格品質來判斷他們。

Also, I can now go after what I want because I know it's not going to make me evil, etc.

此外，我現在可以去追求我想要的東西，因為我知道這不會讓我變得邪惡，等等。

So just write as many things as you can think of.

所以，只要你能想到的，就儘量寫出來。

And that is basically the whole process of you changing these negative beliefs.

這基本上就是你改變這些消極信念的整個過程。

The next tip, obviously, budgeting.

下一個小竅門，顯然是編制預算。

That is something we cannot not talk about when it comes to your money glow up.

當涉及到您的資金時，我們不能不談這一點。

I really feel like, again, that's just another pillar of your foundation.

我真的覺得，這又是你的另一個基礎支柱。

It teaches you so much about, first of all, where your money is actually going, what the real situation, the reality of your finances is.

首先，它讓你瞭解到你的錢到底去了哪裡，你的財務狀況到底如何。

I know that's scary to look at, but it's so important.

我知道這看起來很可怕，但它非常重要。

You can't fix a problem if you don't know what the problem is in the first place.

如果不知道問題出在哪裡，就無法解決問題。

And then it's basically your guide of where you're going to put your hard-earned money.

然後，它基本上就是你的指南，告訴你該把辛苦賺來的錢花在哪裡。

Of course, you might want to limit yourself in certain areas.

當然，您可能希望在某些方面有所限制。

And the whole point is that you can save more money that's going to go towards your emergency fund, maybe a down payment on a house, maybe investing, whatever it might be.

重點是，你可以存下更多的錢，用於應急基金、房子首付、投資等任何用途。

It's going to create those healthy habits that you're going to have for the rest of your life.

它將為你的餘生養成健康的生活習慣。

I made a whole video about this where I go in detail about how to set up your budget and everything you need to know.

我為此製作了一個完整的視頻，詳細介紹瞭如何設置預算以及你需要知道的一切。

Plus, we talk about building your emergency fund, which I feel like should be your first step.

此外，我們還討論了建立應急基金的問題，我覺得這應該是你的第一步。

I'm going to link that down below so you can check it out.

我將把它鏈接到下面，你可以去看看。

Again, it's made for complete beginners.

同樣，它也是為完全的初學者設計的。

So if you are like, where the hell do I start?

那麼，如果你想問，我到底該從哪裡開始呢？

Watch that.

小心點

I'm very type A, okay?

我是A型血，好嗎？

I love systems, organization, notion templates, the whole thing.

我喜歡系統、組織、概念模板，所有這些。

So for me, it really, really helps to have a really nice budget.

是以，對我來說，有一份非常好的預算真的非常有幫助。

I used to just use notion ones that I made for free, but right now I'm using one by Coplante.

我以前只用自己免費製作的 notion，但現在我用的是 Coplante 的產品。

What is it called?

它叫什麼名字？

I'm using the yearly budget 3.0.

我使用的是年度預算 3.0。

This is not sponsored, by the way.

順便說一句，這不是贊助的。

I found this on my own on YouTube, actually, and I love it so much.

事實上，這是我自己在 YouTube 上找到的，我非常喜歡。

It's so aesthetically pleasing.

太美觀了。

It has so many graphs.

它有很多圖表。

It's very like automated.

這很像自動化。

You just put in your expense.

您只需支付您的費用。

It does everything else for you.

它還能為你做其他一切。

It's so, so, so nice.

它是如此，如此，如此美好。

The girl who made it actually reached out to me because she saw me using it.

實際上，製作它的女孩主動聯繫我，是因為她看到我在使用它。

So she gave me a little code.

所以她給了我一個小密碼。

It's Nika10 for 10% off.

使用 Nika10 可享受 10% 折扣。

You don't have to buy this, obviously.

很明顯，你不一定要買這個。

You can literally do it in your journal if you want to, but I love to have a really, really good, easy-to-use budget.

如果你願意，完全可以在你的日記本上做，但我喜歡有一個非常非常好的、易於使用的預算。

And this one is my favorite that I've ever used.

這個是我用過的最喜歡的。

I genuinely get so happy anytime I just look at it.

每次看到它，我都會由衷地感到高興。

I have some issues probably.

我可能有些問題。

If at the moment your spending habits are a little bit out of control or let's say this past month you spent like way too much money and you just want a little reset, an amazing idea is to do a low spend month.

如果你現在的消費習慣有點失控，或者說上個月你花了太多的錢，而你只是想重置一下，那麼一個絕妙的主意就是做一個低消費月。

So let's say in October you're going to do a low spend month and you're just going to spend money on your absolute essentials.

比方說，十月份你打算做一個低消費月，只把錢花在絕對必需的地方。

So obviously, I don't know what your absolutely necessary expenses are.

所以很顯然，我不知道你的絕對必要開支是多少。

It's going to vary from person to person.

這是因人而異的。

For me, for example, therapy is involved in this.

比如對我來說，治療就與此有關。

Going to a workout class is involved with this because it makes me feel a lot better, but I'm not going to be shopping for clothes or makeup or even take out or eating out, stuff like that.

上健身課與此有關，因為這會讓我感覺好很多，但我不會去買衣服或化妝品，甚至不會去外賣或外出就餐，諸如此類。

So you need to determine what your low spend month is going to look like and then stick to it again for a whole month.

是以，你需要確定你的低消費月是什麼樣的，然後再堅持整整一個月。

It is such a good reset.

這是一個很好的復位。

You really notice like your tendencies.

你真的注意到了自己的傾向。

It's a really good wake-up call.

這真是一個很好的警鐘。

And I actually made a whole video about how to change your spending habits and I included a lot of other tips along with this one.

實際上，我還製作了一整段關於如何改變消費習慣的視頻，其中包含了很多其他小貼士。

So if you want to check that out after this video,

所以，如果你想看完這段視頻後再去看看、

I'll link it down below as well.

我也會把它鏈接到下面。

In the budgeting video, I talk a lot about saving and building your emergency fund and all of that.

在預算編制視頻中，我講了很多關於儲蓄和建立應急基金之類的內容。

So again, you can check that out.

所以，你可以再次查看。

But some very important basics.

但有一些非常重要的基礎知識。

Open up a high-yield savings account.

開立高收益儲蓄賬戶。

That's basically a savings account with higher interest rates.

這基本上是一個利率較高的儲蓄賬戶。

So you're going to make more money by your money just sitting in your savings account.

所以，把錢存在儲蓄賬戶裡，你會賺到更多的錢。

I will never understand people who just save by like leaving their money in their bank account.

我永遠無法理解那些把錢存在銀行賬戶裡就能省錢的人。

I cannot do that.

我不能這麼做。

Like if there is money in my bank account,

比如我的銀行賬戶裡有錢、

I'm going to spend it.

我要花掉它。

So I have a separate savings account and then you can either automate your savings that are going to be the same every single month.

是以，我有一個單獨的儲蓄賬戶，然後你可以自動儲蓄，每個月的儲蓄額都是一樣的。

If you have a very stable income, it's the same every single month.

如果你的收入非常穩定，那麼每個月的收入都是一樣的。

You know how much money you need throughout the month.

你知道整個月需要多少錢。

And let's say you have €150 left at the end of the month.

假設月底您還剩 150 歐元。

You can schedule an automated transfer at the beginning of the month when you get paid.

您可以在月初領取工資時安排自動轉賬。

So it's kind of out of sight, out of mind.

是以，它有點 "看不見，摸不著"。

It happens automatically.

它會自動發生。

You don't need to think about it and that money is not even there for you to spend.

你不需要考慮這些，這些錢甚至都不在你的口袋裡。

If you're someone like me whose income kind of varies month to month, it's obviously really helpful to figure out your budgets so that you know how much money you need throughout the month and then you can put the rest into your savings account whenever you get paid.

如果你像我一樣，每個月的收入都不一樣，那麼弄清楚自己的預算顯然是非常有幫助的，這樣你就能知道整個月需要多少錢，然後只要一拿到工資，就可以把剩下的錢存入儲蓄賬戶。

It's so helpful to save before you spend.

先省後花對你很有幫助。

So you put money in your savings account first and then you can spend the rest, whatever that amount is for you.

是以，你要先把錢存入儲蓄賬戶，然後再花剩下的錢，不管這筆錢對你來說是多少。

This one is kind of random and I know some of you are going to be like, obviously, Nika, hello.

我知道你們中有些人會說："尼卡，你好。

But this was not obvious to me, okay?

但這對我來說並不明顯，好嗎？

And it is to take advantage of what your bank offers.

這就是利用銀行提供的服務。

Whether that's travel miles, different offers for hotels, a high-yield savings account as I've mentioned.

無論是旅行里程、不同的酒店優惠，還是我提到的高收益儲蓄賬戶。

Like there are so many things that certain banks offer.

就像某些銀行提供的很多服務一樣。

I really didn't take advantage of this because my Slovenian bank doesn't really offer anything to be honest.

老實說，我並沒有利用這個機會，因為我的斯洛文尼亞銀行並不提供任何服務。

But I did open a new account at an online bank and they offer so many things.

但我確實在一家網上銀行開了一個新賬戶，他們提供了很多服務。

I, for example, found a lot cheaper hotels on there than anywhere else, really cheap airport lounges.

例如，我在上面找到了比其他地方便宜很多的酒店，還有非常便宜的機場休息室。

There's also a lot of options for savings.

還有很多儲蓄選擇。

Like for example, I'm sure this has a name.

比如說，我相信這東西肯定有名字。

I honestly don't know it, but let's say you spend 4 euros and 70 cents on a coffee and then you can turn on this savings option where it rounds up the price and saves the rest.

老實說，我也不知道，但假設你花了 4 歐元 70 美分買了一杯咖啡，然後你可以打開這個節省選項，它就會把價格四捨五入，把剩下的省下來。

So we spend 4 euros 70 cents on a coffee, rounds it up to 5 and it automatically saves the 30 cents.

是以，我們花 4 歐元 70 美分買一杯咖啡，四捨五入到 5 美分，它就會自動節省 30 美分。

So that is like a cool little way that you can save more money without even noticing and it's just worth it to check what your bank actually offers because I honestly didn't do it for so long and I would have opened that online bank account a lot sooner if I knew that my bank literally offers nothing and so many other banks do.

是以，這就像一個很酷的小方法，你可以在不知不覺中節省更多的錢，而且值得一查的是，你的銀行實際上提供什麼，因為老實說，我沒有這樣做了這麼久，如果我知道我的銀行從字面上什麼都不提供，而其他很多銀行都提供的話，我會更早開設網上銀行賬戶。

So just check that out.

那就去看看吧。

This again might be very basic for you, but it was not for me.

這對你來說可能又是非常基本的，但對我來說卻不是。

Another big tip when it comes to creating your positive money mindset.

創建積極的理財心態的另一個重要技巧。

Let me know if you want a whole video about this, by the way, I would love to make it.

順便說一下，如果你想製作一個關於這個問題的完整視頻，請告訴我，我很樂意製作。

But an amazing thing to do is to really visualize what this is going to look like.

但是，要做的一件了不起的事情，就是真正想象出這將會是什麼樣子。

So I personally like to work in shorter increments instead of visualizing like 10 years from now.

是以，我個人喜歡以較短的時間為組織、部門開展工作，而不是設想 10 年後的事情。

That's so hard for me to do because I'm like I have no idea what my life is going to look like then.

這對我來說很難做到，因為我不知道我的生活會變成什麼樣。

So I like to imagine maybe a year, two years, three years, something like that.

所以我想，也許是一年、兩年、三年，諸如此類。

Where do I want to be financially in two years?

兩年後我的財務狀況如何？

So how much money do I want to have?

我想要多少錢？

Do I want to be investing?

我想投資嗎？

How much I want to have saved?

我想存下多少錢？

Like kind of specific numbers and goals and that gets me excited and I have a goal to work towards but it doesn't really help me to create like a full vision.

就像那種具體的數字和目標，這讓我很興奮，我有了一個可以努力實現的目標，但它並不能真正幫助我創建一個完整的願景。

So what I like to do is to fully imagine who this version of me is going to be that has reached these financial goals and how my daily routine is going to look like, how my lifestyle is going to look like, how I show up, my relationships, maybe like knowledge that I'm going to have.

是以，我喜歡做的事情是，充分想象達到這些財務目標後的我是什麼樣的，我的日常工作會是什麼樣的，我的生活方式會是什麼樣的，我是如何出現的，我的人際關係會是什麼樣的，也許我還會擁有一些知識。

That puts everything into perspective and it's so much easier for me to imagine and it gives you that like emotional reason for wanting to work towards that goal, which is so important.

這讓我對一切都有了正確的認識，也讓我更容易想象，它給了你想要努力實現這一目標的情感理由，這一點非常重要。

Another thing I really like to write down is what I'm going to be giving once I have this amount of money.

我非常喜歡寫下的另一件事是，一旦我有了這筆錢，我將捐出什麼。

So maybe that would be