07 理财（1 / 7）

07 理财

“月光”一族

dialogue

ellen often feels short of oney though she has a nice sary

尽管艾伦收入不菲，但她总是觉得缺钱。

nick: hey, ellen it&039;s ti to t off work we are gog to have dner tother do you want to e along?

尼克：嘿，艾伦，下班了。我们要去吃晚饭，你一起去吗？

ellen: i&039;d like to, but i&039; really skt this onth

艾伦：我很想去，但是我真的身无分文了。

nick: h? our saries were paid only half a onth ago

尼克：嗯？我们的工资刚发半个月呀。

ellen: let&039;s not talk about it i&039; a typical oonlight cn after i got y sary, i had to pay the rent, eat out with y friends and go shoppg i didn&039;t even realize that i had ade away with y oney

艾伦：别提了。我是个典型的“月光族”。拿到工资后，我要付房租，和朋友吃饭，还要购物。我甚至都没有意识到钱竟然花光了。

nick: you an you often live fro paycheck to paycheck?

尼克：你的意思是你经常把每个月的工资花个精光？

ellen: yes i have to overdraw y credit card

艾伦：是啊，因此我不得不透支信用卡。

nick: oh, ellen, i have to say that you t learn how to ana your oney, or else you won&039;t fill your stoach the next days

尼克：噢，艾伦，我不得不说你必须要学会理财了，否则剩下的日子你就要食不果腹了。

ellen: i know it but i always nsu an ipulsive way

艾伦：我知道，但是我总是冲动消费。

notes

1 skt [skt] adj 身无分文的，穷光蛋的

2 oonlight cn 月光族

3 ake away with 携……而逃；除去，杀死；浪费掉；吃掉

4 paycheck [&039;peit?ek] n 薪水支票，工资

5 overdraw [&039;?uv?&039;dr?:] v 透支；夸大

6 ipulsive [i&039;p?lsiv] adj 冲动的，任性的；n（引起冲动的）原因

小贴士

怎样才能不做“月光族”？

1 save little and often

存小钱，常存钱

2 read pernal fance blogs

阅读个人理财博客

by readg about others&039; tips and suess to adopt good fancial habits

通过阅读其他人的小技巧和成功经验学会理财。

3 keep a spendg log and savgs log

分别建立一个花钱日志和储蓄日志

4 save towards a specific goal

为自己设立一个具体目标

havg a very clear goal d can ake it uch easier to save up

一个非常明确的目标可以让你的省钱计划更加易行。

5 autoate your savgs

自动化你的储蓄

t your bank to transfer 800 yuan （or 1000 yuan）fro your checkg aount to a savgs aount, a