or not you know how to score screaming bargains. It has more to do with your attitude toward money.
省钱并不完全决定于你是否知道怎样买到一件令人尖叫的打折商品。更多的时候它和你对待金钱的态度有关。1
Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
想想诸如沃伦巴菲特这样的富人吧，他们并不像大多数人想的那样卑鄙肮脏。1
As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.
就像由托马斯J斯坦利和威廉姆D.丹可合著的《与百万富翁为邻》这本书里所描述的一样，个人财富与人们对待金钱时具备的基本素质有很大关系，许多大富豪实际上都很节俭。
Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
了解这些个人品质怎样影响你的财运是财富积累过程中必不可少的部分。
Here are 10 key traits:
以下是十大要素：
10. Patience
10.耐心等待
Patience is one of the most important traits when it comes to saving money.
耐心是资金积累过程中最重要的因素之一。
This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
这意味着等待第一波产品宣传的时代已经过了，在买一辆新车之前再开几年旧的，等待你的预算足够支付而不是透支去买你想要的东西。
Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
耐心足够与否往往是存钱和欠钱之间的差别。在你进行一项不错的交易前耐心等待是财源广进的垫脚石。
9. Satisfaction
9.满于现状
When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
当你感到满足时，就不会把钱花在不必要的事物上了。购买的唯一目的是你相信买入一件物品或花钱享受服务能让你更快乐，更富足，更好看或增加满足感。
People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
人们花钱是因为他们想抓住广告里那令人兴奋的事物。当你对你的生活（不尝试像电视里的人那样生活）和你所拥有的感到满意时，你的财富增值会有更好的形式。
8. Organization
8.条理清晰
Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
有条理性能使你更有创造力而且能确保所有与个人理财有关的事情都合理调度。
It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
意味着不要付滞纳金，别一样东西买两件，清楚影响你理财的底线，在短时间内争取做更多的事情，所有这些都对理财有益。
7. Discipline
7.严于律己
You need the discipline to continue to save money for specific, long-term goals every month. Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
你需要自律性以便每个月为一些明确而长期的目标存钱。个人的资金积累并不是快速致富的方法，但是可以锻炼人生规划。
6. Reflectiveness
6.深思熟虑
It's important to be able to look at your financial decisions and reflect on their results. You're going to make financial mistakes. Everyone does. The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
审视财务上的决定并观察它们带来的结果是很重要的。每个人在经营财务时都会犯错误，关键是你能从其中吸取教训并避免再犯同样的错误，要认清你是否重蹈覆辙。
5. Creativity
5.有创造力
The economy and our earnings don't always match our expectations.
经济和收入不会常常和我们的期望成正比。1
Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
不可预知的变化制造破坏并会使财务规划变得复杂。当这些发生时，计划要随着环境而变化，而创造力就可以完成这一过程。
Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
创造力可以在你没钱的时候帮助你让事物更持久而非一味追求它。这意味着挣钱可以远离债务而不是简单的透支信用卡，也意味着当手头紧张时找个便宜的替代品更有益处。
In these ways, creativity plays a large role in keeping finances in order.
在这十大要素中，创造力在有序合理分配资金的过程中扮演着重要的角色。
4. Curiosity
4.有求知欲
Having curiosity helps you learn, study and improve yourself.
适当的好奇心可以帮助你学习，探讨以及提升自己。
The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.
渴望知道更多，肯花时间学习并学以致用是由求知欲推动的重要过程。
3. Risk-Taking
3.敢于冒险
To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.
要想建立财富就要时刻准备冒险，这里非指无法估算的风险。而是指权衡所有的选项并在适当的时间冒一点可以估计的风险。
The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.
股票市场就存在一定风险，但是长期以来历史证明，明智的投资可以获得良好的收益。那些不敢冒险的人把钱存在账户里，终究会埋没在通货膨胀的洪流中。
2. Goal-Oriented
2.目标明确
The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.
设立目标并朝着目标前进的重要性显而易见。如果你不知道前进的方向，那么到达目的地会困难重重。为自己设定明确的赚钱目标并有动力去完成可以帮助你在跟人财务上获得巨大收益。
Those who lack goals don't have a road map to take them to the financial destination they want.
那些缺乏目标的人没有行之有效的线路图以帮助他们到达财务上的目的地。
1. Hard- and Smart-Working
1.努力+智慧=成功
Creating wealth and staying out of debt rarely comes about without a lot of hard work.
创造财富并远离债务很少是不靠勤奋就能完成的。
Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.
许多人可能希望彩票解决他们所有的财务问题。无论如何，通往财富王国的有效途径就是提升价值观并努力工作以增加你的薪水。
You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you're missing.
或许你不一定拥有以上所有特质。但是知道它们可助你有所改变，如此你会壮大你所拥有的，重获你曾失去的。
Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire.
最终，它们会帮助你合理支配个人财务并为你渴求的财富积累创造计划。
联系客服
