Name: 會計師解說：讓您本月儲蓄翻番的 6 種方法 (ACCOUNTANT EXPLAINS: 6 Ways to Double Your Savings THIS Month)
Uploaded: 2025-05-04T03:36:22.000Z
Duration: 6 min 58 s

to 不定詞

I'm Nisha, I'm a qualified accountant and a former investment banker, and in this video I'm going to reveal the six things I did to double my savings and how you can do the same without making any drastic changes to your lifestyle.

我是妮莎，我是一名合格的會計師，也曾是一名投資銀行家。在本視頻中，我將向您介紹我如何通過六件事讓我的儲蓄翻番，以及您如何在不對生活方式做出任何重大改變的情況下做到這一點。

祈使句型

Number one, make it simple by breaking it down.

This sounds ridiculously simple, so much so that most people don't do it.

這聽起來簡單得令人髮指，以至於大多數人都不會這麼做。

Yet, just by taking these two steps, you're twice as likely to reach your savings goal.

然而，只需採取這兩個步驟，您就有兩倍的可能實現您的儲蓄目標。

The first step is to break your goal down into smaller, more manageable chunks and add a timeline to it.

第一步是將目標分解成更小、更易於管理的小塊，併為其添加一個時間表。

讓我們以儲蓄 10,000 美元為例。

When you just look at that big number, it seems pretty daunting, but when you break it down, it becomes much more doable than just trying to work towards a vague, lofty target with no timeline.

當你看到這個大數字時，似乎會覺得非常艱鉅，但當你把它細分時，就會發現它比僅僅努力實現一個模糊的、崇高的、沒有時間表的目標要可行得多。

So let's say you want to save $10,000 in 12 months, then you need to save around $193 per week.

是以，假設您想在 12 個月內儲蓄 10,000 美元，那麼您每週需要儲蓄約 193 美元。

That's a lot more manageable than trying to save $10,000 all at once.

這比一下子存 1 萬美元要容易得多。

It feels like maybe it's something you can do with a little bit of planning.

我覺得，也許只要稍加計劃，就能做到這一點。

What about if you want to save that $10,000 in just six months, then you need to save $385 per week, or if you want to do it in three months, you need to save $770 per week.

如果你想在短短 6 個月內存下 10,000 美元，那麼你每週需要存下 385 美元；如果你想在 3 個月內存下 10,000 美元，那麼你每週需要存下 770 美元。

Now we've broken it down, the second step is to automate.

現在我們把它分解了，第二步就是自動化。

Set this up as an automatic transfer from the account you get paid into, into a separate savings account.

將其設置為自動轉賬，從你領取工資的賬戶轉入一個單獨的儲蓄賬戶。

By doing these two things, you're now, A, paying yourself first, so when it comes to finance, it's very easy to keep increasing your spending to consume all of your income.

做到這兩點，你現在就等於：A，先為自己付錢，所以在理財方面，你很容易不斷增加支出，消耗掉所有收入。

But when you reduce the amount that's available to you, it prevents that money from just slipping through your fingers on everyday expenses.

但是，當你減少可動用的金額時，就能防止這筆錢在日常開支中從指縫中溜走。

And B, if you get a few months in, and you're feeling too restricted, you can always course correct and adjust the automation, but at least you've built up a solid savings habit in the meantime.

B，如果幾個月下來，你覺得太受限制，你可以隨時糾正和調整自動化，但至少在此期間你已經建立了一個穩固的儲蓄習慣。

Or you can do the next step, which is number two, revise your top three.

或者你可以做下一步，也就是第二步，修改你的前三名。

The best place to optimize your spending and make room to save more is by targeting your biggest expenses.

優化支出和騰出更多儲蓄空間的最佳途徑就是瞄準最大的支出。

According to the Office for National Statistics, the average person's biggest costs are transportation and housing.

根據國家統計局的數據，普通人最大的開支是交通和住房。

This takes up almost 50% of most people's take-home pay.

這幾乎佔了大多數人實得工資的 50%。

The good news is that finding a way to save on these can make the biggest difference.

好消息是，找到節省這些費用的方法可以帶來最大的不同。

So for instance, when you look at your housing costs, can you renegotiate your rent?

例如，當你考慮住房成本時，你能重新協商租金嗎？

Most people just accept what the landlord says.

大多數人只是接受房東說的話。

But you should also have your own number that you're willing to pay and explain why your landlord should potentially consider it.

但是，你也應該有自己願意支付的數字，並解釋房東為什麼應該考慮這個數字。

And I've done this before for my own rent.

我以前為了自己的房租也這麼幹過。

I negotiated the rate down by exchanging other things in return.

我用其他東西作為交換，把價格談了下來。

So I gave up a parking space, as I didn't have a car, and therefore my landlord could just do whatever they wanted with that parking space, potentially rent it out to someone else and make some money for it.

是以，我放棄了一個停車位，因為我沒有車，所以我的房東可以隨意處置那個停車位，有可能把它租給別人，賺點錢。

I also signed an extended lease at the time, giving them reassurance that there won't be any void periods.

當時我還簽署了一份延長租約，讓他們放心不會有任何空置期。

That was one of my biggest expenses that I got down.

Are you paying for unused features of your car insurance?

您是否在為未使用的汽車保險功能付費？

Since housing and transportation are amongst the biggest expenses people have, this is where you can really save big.

由於住房和交通是人們最大的開銷之一，這也是您真正可以節省大筆開支的地方。

By the way, if you're enjoying this video, I'm running a completely free five-day Save 1K This Month challenge.

順便說一句，如果你喜歡這個視頻，我正在開展一項為期五天的完全免費的 "本月節省 1K 美元 "挑戰活動。

The challenge is completely free to join.

And all you have to do is go to nisha.me forward slash save before Sunday midnight to sign up.

您只需在週日午夜前登錄 nisha.me forward slash save 即可報名。

And by the way, we ran this challenge in June, and there were thousands of people in the community all sharing the best money tips, the best savings hacks.

順便說一下，我們在六月份發起了這個挑戰，社區裡有成千上萬的人都在分享最好的理財技巧和最好的儲蓄方法。

So I guarantee you'll learn one new thing that you can implement into your life straight away.

是以，我保證你會學到一件新東西，並能立即將其應用到生活中。

You can head to nisha.me forward slash save for all of the details.

您可以訪問 nisha.me forward slash save 瞭解所有詳情。

Number three, ask yourself these two questions.

It's so easy to get caught up in the hype when a new product launches or hits the market.

當新產品推出或進入市場時，人們很容易被炒作所迷惑。

We instantly convince ourselves that we absolutely need this latest and greatest, even if our current version is totally functional.

我們會立刻說服自己，我們絕對需要這個最新、最棒的版本，即使我們當前的版本功能完備。

This is where you need to, before you buy that thing, pause and ask yourself two really important questions.

這時，你需要在購買之前，停下來問自己兩個非常重要的問題。

When you're laser focused on an ambitious saving goal, like £10,000 or $10,000, then you have to be ruthless about your discretionary spending.

當你專注於一個雄心勃勃的儲蓄目標時，比如 10,000 英鎊或 10,000 美元，那麼你就必須對可自由支配的支出毫不留情。

It's so common for our wants to sneak into the needs category, derailing our progress.

我們的 "想要 "潛入 "需要 "的範疇，使我們的進步脫軌，這種情況非常普遍。

So before making any purchase, take a step back and honestly assess whether that thing's a true necessity.

是以，在購買任何物品之前，請退後一步，誠實地評估該物品是否是真正的必需品。

If the answer is no, then you need to know what to cut back in order to stay on track.

如果答案是 "否"，那麼你就需要知道該減少什麼，以保持正常的飲食。

If the answer is yes, then you're going to ask yourself the second question, which is, how can I get this thing for cheaper?

如果答案是肯定的，那麼你就要問自己第二個問題，那就是，我怎樣才能以更低的價格買到這東西？

By pausing and asking yourself this question, you're more likely to find an alternative to get that thing for less.

停頓一下，問自己這個問題，你就更有可能找到替代方法，以更低的價格買到那件東西。

Whether it's looking through comparison websites, negotiating deals, buying it secondhand, or waiting for a Black Friday sale.

無論是通過比較網站、協商交易、購買二手貨，還是等待黑色星期五大減價。

然後，我能以更便宜的價格買到它嗎？

You open up the door to so much more savings that can be funneled right into your savings goal.

你打開了通往更多儲蓄的大門，這些儲蓄可以直接進入你的儲蓄目標。

In most cases, you want to do this before you start saving money.

在大多數情況下，您希望在開始存錢之前就這樣做。

When you save money, you're basically lending your cash to the bank for it to then lend to other people, so that other people, or the other person, is borrowing.

當你存錢時，你基本上是把現金借給了銀行，讓銀行再借給其他人，所以其他人或對方就是在借錢。

The difference here is that you earn interest from your savings whilst the bank earns interest from borrowings.

兩者的區別在於，您從儲蓄中賺取利息，而銀行則從借款中賺取利息。

And the thing is, it always costs more to borrow than you can earn by saving.

問題是，借貸的成本總是高於儲蓄的收益。

So let's say you save $5,000, which earns 4% annually in a high interest savings account.

假設你在一個高息儲蓄賬戶中存入 5,000 美元，年利率為 4%。

This generates about $200 in interest over the course of the year.

這樣，一年下來可產生約 200 美元的利息。

But if on the other side, you have $5,000 in credit card debt at an 18% interest rate, the interest charges will cost you $900 over that same year.

但是，如果你有 5,000 美元的信用卡債務，利率為 18%，那麼這一年的利息費用將使你損失 900 美元。

So even though you're saving money on this side, you're still in the negative by $700.

是以，儘管你在這一方面省下了錢，但你仍有 700 美元的負差。

It's always going to cost you more to borrow than you will earn from saving.

借貸的成本總是高於儲蓄的收益。

High interest debt is going to grow faster than the interest you make from savings.

高息債務的增長速度會超過你從儲蓄中獲得的利息。

That's why it's more effective to pay off high interest rate debt first.

這就是為什麼先償還高利率債務更有效的原因。

And once that debt is cleared, you can then start building your savings without the drag of compound interest working against you.

一旦債務還清，你就可以開始儲蓄，而不會受到複利的拖累。

And then number five, think, want, do framework.

This is a simple way to categorize your spending into three buckets.

這是將您的支出分為三類的簡單方法。

Fundamentals, which is essentially your necessities, things that you absolutely need, rent or mortgage, transportation, groceries, utility bills, even phone bills, internet.

基本費用，基本上就是你的必需品，你絕對需要的東西，房租或房貸、交通、日用品、水電費，甚至電話費、網費。

Fun, which is your wants, this is your guilt-free spending, date night outs, going to the movies, hanging out with friends, buying your nice clothes, shoes.

樂趣，這是你想要的，這是你無愧於心的消費，約會之夜、看電影、和朋友出去玩、買漂亮衣服和鞋子。

And that's everything that's going towards the future you, short and long term savings and investments.

而這一切，都是為了未來的你、短期和長期的儲蓄和投資。

What you want to do here is use the think, want, do framework.

在這裡，你要做的是利用 "想、要、做 "框架。

Balance how much you think, want, and you do spend in these three Fs.

在這三個 "F "中，平衡你的所想、所願和實際花費。

Start by estimating how much you think you spend on each category, compare it to how much you want to spend, and then finally track how much you actually spent.

首先估算一下你認為自己在每個類別上花了多少錢，然後與你想花的錢進行比較，最後跟蹤一下你實際花了多少錢。

For example, let's say you spend 500 in the fun category every month, but you want to spend 300.

例如，假設您每月在娛樂類消費 500 元，但您想消費 300 元。

And when you track your spending, you're actually spending 200 a month.

而當你追蹤你的支出時，你一個月的實際支出是 200。

Once you know this, you can redirect that 300 from fun into your future, i.e. to put it towards your saving goals.

一旦你知道了這一點，你就可以把這 300 塊錢從玩樂中轉到你的未來，也就是用於你的儲蓄目標。

Getting this balance right is the key to finding more money into your savings without feeling deprived or taking away from what you already enjoy.

要想在儲蓄中找到更多的錢，而又不感到匱乏或佔用你已經享受的東西，關鍵是要掌握好這種平衡。

If you're looking to save more money, there are essentially three ways to do it.

如果您想節省更多的錢，基本上有三種方法。

The first is to cut your costs, which we've already spoken about.

首先是削減成本，這一點我們已經說過了。

The second is to optimize your spending, which we've also spoken about.

其次是優化支出，我們也談到過這一點。

Start a business, negotiate your salary, switch jobs, sell some old stuff.

創業、談薪水、換工作、賣掉一些舊東西。

您可以節省的金額是有上限的。

You can only save as much as you can make, but you can always make more.

你能省多少，就能賺多少，但你總能賺更多。

So those are six things that will help you double your savings with a little effort.

是以，這六件事能讓你的儲蓄翻倍，而且事半功倍。

If you like this video, remember to sign up to my savings challenge, nisha.me forward slash save for all the details.

如果你喜歡這個視頻，記得報名參加我的儲蓄挑戰，nisha.me forward slash save 瞭解所有詳情。