Name: MONEY GLOW UP：告別破產時代的 8 個微小習慣和祕訣？ (MONEY GLOW UP: 8 Tiny Habits & Secret Tips to Exit your Broke Era ?)
Uploaded: 2024-09-30T15:16:53.000Z
Duration: 17 min 58 s

What's up guys? Welcome back to my channel.

你們好嗎？歡迎回到我的頻道。

動名詞

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。

現在進行式

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.

I like to make them very like easy to understand.

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？

每個人都必須從某個地方開始。

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。

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。

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.

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。

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.

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。

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.

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

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.

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。

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。

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。

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？

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。

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。

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。

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.

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。

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。

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MONEY GLOW UP：告別破產時代的 8 個微小習慣和祕訣？ (MONEY GLOW UP: 8 Tiny Habits & Secret Tips to Exit your Broke Era ?)

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