Well, by saving I don't mean holding on to every dollar you have, let's just call it the art of spending nothing more than you actually need.

嗯，我指的存錢不是指不花你的任何一毛錢，讓我們姑且稱它為不花超過你所需要的藝術。

The large majority of people currently have this problem, and it's one of the reasons why so many hard working, smart and talented individuals never become wealthy.

絕大多數的人都有這樣的問題，而這也是為什麼許多認真、聰明、有才華的人無法致富的原因之一。

So, here are a few tips that you can start using today to save your money and use it for a better cause.

所以這裡有一些你今天就可以開始用的技巧，來幫你省錢和省下來做更好的用途。

First.

第一。

Use the 30 day rule.

使用三十天法則。

Whatever it is that you want to buy, write it down on a piece of paper and write the date next to it.

不管你想買的是甚麼，把它寫在一張紙上，並在旁邊註記日期。

You have to wait at least 30 days before actually trying to buy it.

你必須在實際試圖買它之前等待至少三十天。

This helps to prevent impulse buys and also if you wait some time, you're more likely to buy the item at a reduced price.

這幫助預防衝動購物，而且如果你等一下，你將有機會以促銷價買到那個東西。

Also often you will find that after 30 days, some of the items on that list are no longer interesting to you and you will discard most of them, essentially buying only what is useful and important to you.

再者，你時常會發現三十天後，你將不再對那清單上的一些品項感興趣，而你會劃掉絕大多數的品項，只買那些對你真正有用和重要的東西。

Second.

第二。

Commit to paying yourself at least 10% of your paycheck every single month.

承諾每個月至少把自己薪水的百分之十存起來。

This is one of the lessons I've learned from the book The Richest Man in Babylon.

這是我從 The Richest Man in Babylon 這本書中學到的其中一課。

It says that riches and wealth start with saving.

它說有錢人和財富都從存錢開始。

The majority of people work hard, and when they get their paycheck, they usually pay everyone else but themselves.

大多數的人都努力工作，而當他們拿到薪水時，他們通常付錢給別人，而不是給自己。

They pay for the cable TV, pay for clothes they don't need, they buy a new watch, and by the end of the month they are left with nothing.

他們付錢買電視，買他們不需要的衣服，買一支新的手錶，而到了月底，他們甚麼都不剩。

Instead pay yourself at least 10% of your income before you spend it on anything else.

在你把錢花到其他的東西上之前，至少把自己薪水的百分之十存起來。

If it helps, you can set up automatic deductions at your bank, so every month 10% of your income will be transferred to your savings account.

如果這有幫助，你可以在你的銀行設立自動扣款，這樣你每個月的薪水中有百分之十會被轉到你的存款帳戶中。

After a while, you will have money that is all yours, which you can use to build your side business or safely invest them in stocks.

經過一段時間後，你會獲得一筆完全屬於你的錢，你可以用這筆錢創建你的副業或是安全地投資股票。

You can check my other videos on the channel about how to build a side business and investing in stocks for beginners.

你可以到我的頻道上看其他有關如何創建副業和初學者投資股票的影片。

I'll post the links in the description down below.

我會在下方描述欄中貼上它的連結。

Third.

第三。

Write a list before you go shopping and stick to it.

在你購物前，寫一張清單並遵照它。

It's a fact that you are more likely to buy unnecessary items if you are shopping without a plan.

事實是如果你購物時沒有一個計劃，你很有可能會買到不需要的東西。

When you're without one, you typically end up making impulse buys and unplanned purchases, and those things cost.

當你沒有購物清單時，你最後通常會衝動購物和沒有計畫地購買，而那些東西是需要錢的。

So before you spend your hard earned money, carefully plan your shopping list and more importantly, stick to it.

所以在你花你辛苦賺來的錢之前，小心地構思你的購物清單，而更重要的是遵守它。

Next.

再來。

This one is pretty simple but very powerful.

這一個很簡單但卻非常有效。

Cut off your television.

關掉你的電視。

What you're essentially doing when watching Television is you're paying to watch something that was automatically served to you, and most of the time you had no intention to watch.

你看電視時真正在做的其實是你正付錢看自動播放給你的東西，而絕大多時，你沒有想看的意思。

But on a deeper level you are spending your time.

但更深層來說，你花了你的時間。

Time can be money, and when you waste time you waste money.

時間可以是金錢，而當你浪費時間時，你也浪費了錢。

So you are basically paying someone to lose money.

所以基本上你浪費錢付費給別人。

I don't know about you, but that is a trade I cannot accept, and I haven't watched TV for the past 4 or 5 year.

我不知道你怎麼想，但那是一個我無法接受的交易，而我過去已經四、五年沒有看電視了。

The benefits of doing this are enormous, you are getting your money back from the subscription you used to pay.

這麼做的利益非常大，你從你過去付費的訂閱功能拿回你的錢。

Less exposure to spending, inducing ads, a lower electric bill and more time to focus on other things in life, such as building your side business, reading and so on.

更少花錢的可能，包括廣告、一個價錢更低的電費帳單和更多關注生活中其他事的時間，像是創建你的副業、閱讀等等。

And finally.

然後最後一個。

Change your mindset from saving more to earning more.

改變你存更多錢的心態到賺更多錢。

It's easier to save more money if you earn more money.

如果你賺更多錢，存錢也會更容易。

This channel is all about improving yourself and learning as much as possible with the goal to have a better life.

這個頻道全是有關使你自己更進步和盡可能地學習越多，朝著擁有更好的生活的目標前進的內容。

So instead of focusing on saving as much as you can, shift your focus on how you can increase your skills and value.

所以轉移你的焦點到你如何增加你的技能和價值，而不是關注存越多的錢。

So that you earn as much as you can.

所以你就可以越賺越多。

But be careful to not fall into the trap of spending more just because you earn more.

但切記不要掉入花越多因為你賺更多的陷阱。

I've seen so many people get a raise, they instantly feel good and later they spend all the money.

我看過好多人加薪，他們馬上自我感覺良好，然後就花掉所有的錢。

So in the end, it's just the same as if they didn't got the raise in the first place, they're left with zero.

因此到了最後，他們就和一開始沒有加薪時一樣，他們一點存款都沒有。

Don't be that guy.

不要成為那樣的人。

Even if you get a raise, or suddenly find yourself with extra money, keep your expenditures the same.

即便你被加薪，或是突然有額外的錢，保持花費不變。

So read, grow and learn as much as you possibly can.

因此，閱讀、成長，然後盡可能地學習更多。

Combine that with the tips from this video, and I guarantee you in no time, your savings will start to increase rapidly, offering you options to invest them in your future, or just feel more secure and confident.

把那和這支影片的技巧融合，我和你保證過不久，你的存款將會開始快速增加，讓你有在未來投資這筆錢的選擇，或只是覺得更安心和有自信。

Hit that like button if you liked the video, and share it with someone you think will find it interesting.

點讚如果你喜歡這支影片，然後分享給你覺得也會覺得這支影片有趣的人。

Anyway, thanks for watching and I'll see you next time.

無論如何，謝謝收看，我們下次再見。