<p>储蓄的重要性是个人理财的关键原则之一。今天存钱以备将来使用是实现任何长期目标的必要步骤。另一方面，把每一分工资都花光是导致当前和未来财务困境的根源。然而，每个人的财务状况都不同，因为工资和义务的范围各不相同。那么，每个月应该存多少钱呢？</p>
<p>虽然你的个人财务状况是独一无二的，但有一些普遍原则可以帮助指导你的支出和储蓄决策。以下是三个步骤，帮助你确定收入中应该用于需求、欲望和储蓄的金额。</p>
<h2><strong>第一步：制定预算</strong></h2>
<p>在决定每月应该存多少钱之前，你应该全面了解自己的财务状况。预算可以帮助你做到这一点。</p>
<p>几乎每位理财顾问都推崇制定预算，原因很充分。详细列出你的收入和支出应该是任何与金钱相关决策的核心，因为这将帮助你清晰明了地了解自己财务状况。</p>
<p>预算将使你了解自己的收入、支出以及两者之间的差额。当然，收支之间的差额越大，你就越有灵活性去储蓄、投资和消费。</p>
<p>有许多不同类型的预算技巧，其中 50-30-20 规则是比较流行的之一。无论你决定使用哪种类型的预算，最重要的标准是你是否能坚持下去。与节食和锻炼计划类似，只有你能坚持预算体系，它才有效。</p>
<p>拥有预算的最大好处之一是帮助你了解生活中可以减少消费和自由支出的地方。这就是下一步的重要性所在。</p>
<h2><strong>第二步：做选择</strong></h2>
<p>如果预算是通往你理想财务目的地的路线图，那么储蓄就是旅程中必不可少的一部分。只有当你开始做符合长期目标的选择时，储蓄才会发生。</p>
<p>有些月度支出是无法避免的，比如住房、食品和其他必要购买，比如保险。虽然有办法节省这些费用（比如找室友），但对于我们许多人来说，我们的大部分收入将用于基本生活必需品。</p>
<p>假设你的一半工资用于这些需求，那仍然留下了很多空间可以做出增加储蓄金额的选择。减少在外面购买食物或在当地咖啡店购买食物是一个很好的例子，你的日常决定很快就会积累成大额储蓄。</p>
<p>当然，放弃与社交团体一起冒险的机会或错过看你最喜爱的艺术家音乐会的机会可能很困难。FOMO 是一种强大的力量，它确实会影响你的计划（和储蓄）。</p>
<p>明确你的长期目标并与朋友和更广泛的社交网络分享（一个相对较新的时尚称为 “大声预算”）可能有助于你保持纪律。做出减少消费的决定并坚持下去将帮助你省钱，无论你是在山顶大声宣布你的意图还是悄悄地自己保存。</p>
<h2><strong>第三步：监控你的进展</strong></h2>
<p>计划固然重要，但生活总是以出人意料的方式干扰着即使是最好的意图。监控你的进展可以帮助你了解你的储蓄目标是否真实可行。</p>
<p>当你开始储蓄之旅时，你可能会发现削减某些项目实在太难了。然而，你也很可能会发现有些购买对你来说要容易得多。</p>
<p>也可能会有意外的一次性费用让你措手不及。希望你已经准备好应急基金，以防止你动用储蓄，但如果没有，生活中的这些坑洼也会影响你的底线。</p>
<p>给自己留出灵活性，找出最佳前进道路，并在路上做出调整。随着时间的推移，你可能会发现你的工资增加了，给你额外的余地来将更多资金存入储蓄账户。</p>
<p>通过定期审查你的支出，可以让你深入了解你的进展。这将帮助你做出任何支持你支出决策和储蓄目标的变化。</p>
<h2><strong>结论：尽可能多地储蓄</strong></h2>
<p>归根结底，最好尽可能多地为将来储蓄。尽管我们试图把个人理财简化为黑白数字，但它更多地与我们的优先事项和偏好有关。</p>
<p>有些人更愿意过最简朴的生活，以支持他们的未来抱负。其他人选择在当下更享受生活。我们现在和未来财务之间不断的平衡是问题的关键。虽然你不想现在受苦，但你储蓄得越多，你未来的状况就会越好。</p>
<p>那么，每个月应该存多少钱呢？虽然没有适用于所有人的硬性数字，制定预算、做选择和监控你的进展将帮助你确定适合你的金额。</p>
<p><strong>学习理财，利用 TipRanks 的数据驱动股票见解</strong>。</p>

科凯国际

<p>这篇文章强调了每次发薪水都要存一部分钱用于长期财务目标的重要性。文章概述了三个关键步骤：1）制定预算以了解收入和支出，使用 50-30-20 规则等技巧。2）在支出方面做出明智选择，优先考虑必要开支，同时找到削减自由支出的方法。3）监控进展，确保储蓄目标是切实可行的，并根据需要进行调整。文章鼓励灵活性，并定期审查消费习惯，以增强储蓄潜力</p>

<p>The importance of saving is one of the key tenets of personal finance. Putting money aside today for usage later is a necessary step in achieving any long-term goals. On the other hand, spending every last bit of your paycheck is a recipe for poor finances now and into the future. Still, everyone’s finances are different, as both salaries and obligations come in a wide range of shapes and sizes. So, how much should you save from every paycheck?</p>
<div class="lb-trans"><p>储蓄的重要性是个人理财的关键原则之一。今天存钱以备将来使用是实现任何长期目标的必要步骤。另一方面，把每一分工资都花光是导致当前和未来财务困境的根源。然而，每个人的财务状况都不同，因为工资和义务的范围各不相同。那么，每个月应该存多少钱呢？</p>
</div><p>While it is true that your individual financial situation is unique, there are some universal principles that can help guide your spending and saving decisions. Here are three steps to help you determine the amount of your income which should go towards needs, wants, and savings.</p>
<div class="lb-trans"><p>虽然你的个人财务状况是独一无二的，但有一些普遍原则可以帮助指导你的支出和储蓄决策。以下是三个步骤，帮助你确定收入中应该用于需求、欲望和储蓄的金额。</p>
</div><h2><strong>Step One: Create a Budget</strong></h2>
<div class="lb-trans"><h2><strong>第一步：制定预算</strong></h2>
</div><p>Before you can decide how much to save withe every paycheck, you should take a full accounting of your finances. A budget will allow you to do just that.</p>
<div class="lb-trans"><p>在决定每月应该存多少钱之前，你应该全面了解自己的财务状况。预算可以帮助你做到这一点。</p>
</div><p>Almost every financial advisor sings the praises of creating a budget, and for good reason. Breaking down your income and expenses should be the centerpiece of any money-related decision, as it will help you to understand in clear and explicit terms the state of your finances.</p>
<div class="lb-trans"><p>几乎每位理财顾问都推崇制定预算，原因很充分。详细列出你的收入和支出应该是任何与金钱相关决策的核心，因为这将帮助你清晰明了地了解自己财务状况。</p>
</div><p>A budget will enable you to view how much you are bringing in, how much you are spending, and the delta between the two. Of course, the greater the difference between your income and your expenses, the more flexibility you will have to save, invest, and spend.</p>
<div class="lb-trans"><p>预算将使你了解自己的收入、支出以及两者之间的差额。当然，收支之间的差额越大，你就越有灵活性去储蓄、投资和消费。</p>
</div><p>There are a number of different types of budgeting techniques, with the 50-30-20 rule among the more popular ones. Regardless of which type of budget you decide to utilize, the most important criteria to consider is whether or not you will be able to stick with it. Similar to diets and exercise regimens, a budgeting system is only effective if you are able to abide by it.</p>
<div class="lb-trans"><p>有许多不同类型的预算技巧，其中 50-30-20 规则是比较流行的之一。无论你决定使用哪种类型的预算，最重要的标准是你是否能坚持下去。与节食和锻炼计划类似，只有你能坚持预算体系，它才有效。</p>
</div><p>One of the biggest benefits of having a budget is that it will help you to understand places in your life where you can decrease your consumption and discretionary spending. That is where the next step comes in.</p>
<div class="lb-trans"><p>拥有预算的最大好处之一是帮助你了解生活中可以减少消费和自由支出的地方。这就是下一步的重要性所在。</p>
</div><h2><strong>Step Two: Make Choices</strong></h2>
<div class="lb-trans"><h2><strong>第二步：做选择</strong></h2>
</div><p>If a budget is a roadmap to your preferred financial destination, saving money is a required part of the journey. It can only happen if you start making choices that align with your long-term goals.</p>
<div class="lb-trans"><p>如果预算是通往你理想财务目的地的路线图，那么储蓄就是旅程中必不可少的一部分。只有当你开始做符合长期目标的选择时，储蓄才会发生。</p>
</div><p>There are certain monthly expenses which cannot be avoided, such as housing, food, and other necessary purchases such as insurance. While there are ways to save on these costs (i.e. finding a roommate), for many of us a good chunk of our income will be devoted to the essentials.</p>
<div class="lb-trans"><p>有些月度支出是无法避免的，比如住房、食品和其他必要购买，比如保险。虽然有办法节省这些费用（比如找室友），但对于我们许多人来说，我们的大部分收入将用于基本生活必需品。</p>
</div><p>Assuming that 50% of your paycheck is going towards these needs, that still leaves plenty of room for choices that can increase the amount we have to save. Cutting down on food purchased outside the home–or at the local coffee shop–is a prime example where your daily decisions can quickly add up into major savings.</p>
<div class="lb-trans"><p>假设你的一半工资用于这些需求，那仍然留下了很多空间可以做出增加储蓄金额的选择。减少在外面购买食物或在当地咖啡店购买食物是一个很好的例子，你的日常决定很快就会积累成大额储蓄。</p>
</div><p>Of course, it can be difficult to forgo an opportunity to go on an adventure with your social group or miss seeing your favorite artist in concert. FOMO is a powerful force, one that can definitely mess with your plans (and savings).</p>
<div class="lb-trans"><p>当然，放弃与社交团体一起冒险的机会或错过看你最喜爱的艺术家音乐会的机会可能很困难。FOMO 是一种强大的力量，它确实会影响你的计划（和储蓄）。</p>
</div><p>Staking out your long-term goals and sharing it with your friends and larger social network (a relatively recent fad known “loud budgeting“) might help you to stay disciplined. Making decisions to cut down on consumption and sticking with them will help you to save money, regardless of whether you shout your intentions from a mountaintop or keep them quietly to yourself.</p>
<div class="lb-trans"><p>明确你的长期目标并与朋友和更广泛的社交网络分享（一个相对较新的时尚称为 “大声预算”）可能有助于你保持纪律。做出减少消费的决定并坚持下去将帮助你省钱，无论你是在山顶大声宣布你的意图还是悄悄地自己保存。</p>
</div><h2><strong>Step Three: Monitor Your Progress</strong></h2>
<div class="lb-trans"><h2><strong>第三步：监控你的进展</strong></h2>
</div><p>While plans are important, life has a funny way of messing with even the best of intentions. Monitoring your progress can help you to understand if your savings goals are indeed realistic.</p>
<div class="lb-trans"><p>计划固然重要，但生活总是以出人意料的方式干扰着即使是最好的意图。监控你的进展可以帮助你了解你的储蓄目标是否真实可行。</p>
</div><p>As you embark upon your savings journey, you may discover that cutting down on certain items is simply too hard. However, there is a decent chance that you may also find that there are other purchases that are much easier for you to leave behind.</p>
<div class="lb-trans"><p>当你开始储蓄之旅时，你可能会发现削减某些项目实在太难了。然而，你也很可能会发现有些购买对你来说要容易得多。</p>
</div><p>There could also be unexpected, one-time costs which catch you by surprise. Hopefully, you have an emergency fund at the ready to prevent you from dipping into your savings, but if not these potholes on the road of life will also impact your bottom line.</p>
<div class="lb-trans"><p>也可能会有意外的一次性费用让你措手不及。希望你已经准备好应急基金，以防止你动用储蓄，但如果没有，生活中的这些坑洼也会影响你的底线。</p>
</div><p>Allow yourself the flexibility to figure out the best path forward, making adjustments along the way. As time passes you may find that your salary has grown, giving you additional leeway to send more funds to your savings accounts.</p>
<div class="lb-trans"><p>给自己留出灵活性，找出最佳前进道路，并在路上做出调整。随着时间的推移，你可能会发现你的工资增加了，给你额外的余地来将更多资金存入储蓄账户。</p>
</div><p>Keeping your eyes on your spending through regular reviews can allow you to gain insights into your progress. This will help you to make any changes to support your spending decisions and savings goals.</p>
<div class="lb-trans"><p>通过定期审查你的支出，可以让你深入了解你的进展。这将帮助你做出任何支持你支出决策和储蓄目标的变化。</p>
</div><h2><strong>Conclusion: Save As Much As You Can</strong></h2>
<div class="lb-trans"><h2><strong>结论：尽可能多地储蓄</strong></h2>
</div><p>At the end of the day, it is best to save as much money as you can for your future use. As much as we try to break personal finance down to the black-and-white numbers, it has much more to do with our priorities and preferences.</p>
<div class="lb-trans"><p>归根结底，最好尽可能多地为将来储蓄。尽管我们试图把个人理财简化为黑白数字，但它更多地与我们的优先事项和偏好有关。</p>
</div><p>Some individuals would prefer to live the most spartan of existences today in support of their future aspirations. Others elect to place their spending on the more enjoyable side of the ledger in the present day.</p>
<div class="lb-trans"><p>有些人更愿意过最简朴的生活，以支持他们的未来抱负。其他人选择在当下更享受生活。我们现在和未来财务之间不断的平衡是问题的关键。虽然你不想现在受苦，但你储蓄得越多，你未来的状况就会越好。</p>
</div><p>The constant balancing act between our present and future finances is really the crux of the matter. While you do not want to suffer now, the more you can squirrel away for the years to come the better your future situation will be.</p>
<div class="lb-trans"><p>那么，每个月应该存多少钱呢？虽然没有适用于所有人的硬性数字，制定预算、做选择和监控你的进展将帮助你确定适合你的金额。</p>
</div><p>So, how much should you save with every paycheck? While there is no hard and fast number that will work for everyone, creating a budget, making decisions, and monitoring your progress will help you to determine the amount that is right for you.</p>
<div class="lb-trans"><p><strong>学习理财，利用 TipRanks 的数据驱动股票见解</strong>。</p>
</div><p><strong>Learn money management, and use data-driven stock insights with TipRanks</strong>.</p>

每次发薪时你应该存多少钱？