07 理财(1/7)
07 理财
“月光”一族
dialogue
ellen often feels short of money though she has a nice salary.
尽管艾伦收入不菲，但她总是觉得缺钱。
nick: hey, ellen. it's time to get off work. we are going to have dinner together. do you want to come along?
尼克：嘿，艾伦，下班了。我们要去吃晚饭，你一起去吗？
ellen: i'd like to, but i'm really skint this month.
艾伦：我很想去，但是我真的身无分文了。
nick: hmm? our salaries were paid only half a month ago.
尼克：嗯？我们的工资刚发半个月呀。
ellen: let's not talk about it. i'm a typical moonlight clan. after i got my salary, i had to pay the rent, eat out with my friends and go shopping. i didn't even realize that i had made away with my money.
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: so you mean you often live from 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. so i have to overdraw my 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 must learn how to manage your money, or else you won't fill your stomach in 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 consume in an impulsive way.
艾伦：我知道，但是我总是冲动消费。
notes
1. skint [skint] adj. 身无分文的，穷光蛋的
2. moonlight clan 月光族
3. make away with 携……而逃；除去，杀死；浪费掉；吃掉
4. paycheck ['peit?ek] n. 薪水支票，工资
5. overdraw ['?uv?'dr?:] v. 透支；夸大
6. impulsive [im'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 personal finance blogs
阅读个人理财博客
by reading about others' tips and success to adopt good financial habits.
通过阅读其他人的小技巧和成功经验学会理财。
3. keep a spending log and savings 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
having a very clear goal in mind can make it much 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. automate your savings
自动化你的储蓄
get your bank to transfer 800 yu
“月光”一族
dialogue
ellen often feels short of money though she has a nice salary.
尽管艾伦收入不菲，但她总是觉得缺钱。
nick: hey, ellen. it's time to get off work. we are going to have dinner together. do you want to come along?
尼克：嘿，艾伦，下班了。我们要去吃晚饭，你一起去吗？
ellen: i'd like to, but i'm really skint this month.
艾伦：我很想去，但是我真的身无分文了。
nick: hmm? our salaries were paid only half a month ago.
尼克：嗯？我们的工资刚发半个月呀。
ellen: let's not talk about it. i'm a typical moonlight clan. after i got my salary, i had to pay the rent, eat out with my friends and go shopping. i didn't even realize that i had made away with my money.
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: so you mean you often live from 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. so i have to overdraw my 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 must learn how to manage your money, or else you won't fill your stomach in 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 consume in an impulsive way.
艾伦：我知道，但是我总是冲动消费。
notes
1. skint [skint] adj. 身无分文的，穷光蛋的
2. moonlight clan 月光族
3. make away with 携……而逃；除去，杀死；浪费掉；吃掉
4. paycheck ['peit?ek] n. 薪水支票，工资
5. overdraw ['?uv?'dr?:] v. 透支；夸大
6. impulsive [im'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 personal finance blogs
阅读个人理财博客
by reading about others' tips and success to adopt good financial habits.
通过阅读其他人的小技巧和成功经验学会理财。
3. keep a spending log and savings 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
having a very clear goal in mind can make it much 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. automate your savings
自动化你的储蓄
get your bank to transfer 800 yu
本章未完，点击下一页继续阅读