<p>儲蓄的重要性是個人理財的關鍵原則之一。今天存錢以備將來使用是實現任何長期目標的必要步驟。另一方面，把每一分工資都花光是導致當前和未來財務困境的根源。然而，每個人的財務狀況都不同，因為工資和義務的範圍各不相同。那麼，每個月應該存多少錢呢？</p>
<p>雖然你的個人財務狀況是獨一無二的，但有一些普遍原則可以幫助指導你的支出和儲蓄決策。以下是三個步驟，幫助你確定收入中應該用於需求、慾望和儲蓄的金額。</p>
<h2><strong>第一步：制定預算</strong></h2>
<p>在決定每月應該存多少錢之前，你應該全面瞭解自己的財務狀況。預算可以幫助你做到這一點。</p>
<p>幾乎每位理財顧問都推崇制定預算，原因很充分。詳細列出你的收入和支出應該是任何與金錢相關決策的核心，因為這將幫助你清晰明瞭地瞭解自己財務狀況。</p>
<p>預算將使你瞭解自己的收入、支出以及兩者之間的差額。當然，收支之間的差額越大，你就越有靈活性去儲蓄、投資和消費。</p>
<p>有許多不同類型的預算技巧，其中 50-30-20 規則是比較流行的之一。無論你決定使用哪種類型的預算，最重要的標準是你是否能堅持下去。與節食和鍛鍊計劃類似，只有你能堅持預算體系，它才有效。</p>
<p>擁有預算的最大好處之一是幫助你瞭解生活中可以減少消費和自由支出的地方。這就是下一步的重要性所在。</p>
<h2><strong>第二步：做選擇</strong></h2>
<p>如果預算是通往你理想財務目的地的路線圖，那麼儲蓄就是旅程中必不可少的一部分。只有當你開始做符合長期目標的選擇時，儲蓄才會發生。</p>
<p>有些月度支出是無法避免的，比如住房、食品和其他必要購買，比如保險。雖然有辦法節省這些費用（比如找室友），但對於我們許多人來説，我們的大部分收入將用於基本生活必需品。</p>
<p>假設你的一半工資用於這些需求，那仍然留下了很多空間可以做出增加儲蓄金額的選擇。減少在外面購買食物或在當地咖啡店購買食物是一個很好的例子，你的日常決定很快就會積累成大額儲蓄。</p>
<p>當然，放棄與社交團體一起冒險的機會或錯過看你最喜愛的藝術家音樂會的機會可能很困難。FOMO 是一種強大的力量，它確實會影響你的計劃（和儲蓄）。</p>
<p>明確你的長期目標並與朋友和更廣泛的社交網絡分享（一個相對較新的時尚稱為 “大聲預算”）可能有助於你保持紀律。做出減少消費的決定並堅持下去將幫助你省錢，無論你是在山頂大聲宣佈你的意圖還是悄悄地自己保存。</p>
<h2><strong>第三步：監控你的進展</strong></h2>
<p>計劃固然重要，但生活總是以出人意料的方式干擾着即使是最好的意圖。監控你的進展可以幫助你瞭解你的儲蓄目標是否真實可行。</p>
<p>當你開始儲蓄之旅時，你可能會發現削減某些項目實在太難了。然而，你也很可能會發現有些購買對你來説要容易得多。</p>
<p>也可能會有意外的一次性費用讓你措手不及。希望你已經準備好應急基金，以防止你動用儲蓄，但如果沒有，生活中的這些坑窪也會影響你的底線。</p>
<p>給自己留出靈活性，找出最佳前進道路，並在路上做出調整。隨着時間的推移，你可能會發現你的工資增加了，給你額外的餘地來將更多資金存入儲蓄賬户。</p>
<p>通過定期審查你的支出，可以讓你深入瞭解你的進展。這將幫助你做出任何支持你支出決策和儲蓄目標的變化。</p>
<h2><strong>結論：儘可能多地儲蓄</strong></h2>
<p>歸根結底，最好儘可能多地為將來儲蓄。儘管我們試圖把個人理財簡化為黑白數字，但它更多地與我們的優先事項和偏好有關。</p>
<p>有些人更願意過最簡樸的生活，以支持他們的未來抱負。其他人選擇在當下更享受生活。我們現在和未來財務之間不斷的平衡是問題的關鍵。雖然你不想現在受苦，但你儲蓄得越多，你未來的狀況就會越好。</p>
<p>那麼，每個月應該存多少錢呢？雖然沒有適用於所有人的硬性數字，制定預算、做選擇和監控你的進展將幫助你確定適合你的金額。</p>
<p><strong>學習理財，利用 TipRanks 的數據驅動股票見解</strong>。</p>

科凱國際

<p>這篇文章強調了每次發薪水都要存一部分錢用於長期財務目標的重要性。文章概述了三個關鍵步驟：1）制定預算以瞭解收入和支出，使用 50-30-20 規則等技巧。2）在支出方面做出明智選擇，優先考慮必要開支，同時找到削減自由支出的方法。3）監控進展，確保儲蓄目標是切實可行的，並根據需要進行調整。文章鼓勵靈活性，並定期審查消費習慣，以增強儲蓄潛力</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>儲蓄的重要性是個人理財的關鍵原則之一。今天存錢以備將來使用是實現任何長期目標的必要步驟。另一方面，把每一分工資都花光是導致當前和未來財務困境的根源。然而，每個人的財務狀況都不同，因為工資和義務的範圍各不相同。那麼，每個月應該存多少錢呢？</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>雖然你的個人財務狀況是獨一無二的，但有一些普遍原則可以幫助指導你的支出和儲蓄決策。以下是三個步驟，幫助你確定收入中應該用於需求、慾望和儲蓄的金額。</p>
</div><h2><strong>Step One: Create a Budget</strong></h2>
<div class="lb-trans"><h2><strong>第一步：制定預算</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>在決定每月應該存多少錢之前，你應該全面瞭解自己的財務狀況。預算可以幫助你做到這一點。</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>幾乎每位理財顧問都推崇制定預算，原因很充分。詳細列出你的收入和支出應該是任何與金錢相關決策的核心，因為這將幫助你清晰明瞭地瞭解自己財務狀況。</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>預算將使你瞭解自己的收入、支出以及兩者之間的差額。當然，收支之間的差額越大，你就越有靈活性去儲蓄、投資和消費。</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>有許多不同類型的預算技巧，其中 50-30-20 規則是比較流行的之一。無論你決定使用哪種類型的預算，最重要的標準是你是否能堅持下去。與節食和鍛鍊計劃類似，只有你能堅持預算體系，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>擁有預算的最大好處之一是幫助你瞭解生活中可以減少消費和自由支出的地方。這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：做選擇</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>如果預算是通往你理想財務目的地的路線圖，那麼儲蓄就是旅程中必不可少的一部分。只有當你開始做符合長期目標的選擇時，儲蓄才會發生。</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>有些月度支出是無法避免的，比如住房、食品和其他必要購買，比如保險。雖然有辦法節省這些費用（比如找室友），但對於我們許多人來説，我們的大部分收入將用於基本生活必需品。</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>假設你的一半工資用於這些需求，那仍然留下了很多空間可以做出增加儲蓄金額的選擇。減少在外面購買食物或在當地咖啡店購買食物是一個很好的例子，你的日常決定很快就會積累成大額儲蓄。</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>當然，放棄與社交團體一起冒險的機會或錯過看你最喜愛的藝術家音樂會的機會可能很困難。FOMO 是一種強大的力量，它確實會影響你的計劃（和儲蓄）。</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>明確你的長期目標並與朋友和更廣泛的社交網絡分享（一個相對較新的時尚稱為 “大聲預算”）可能有助於你保持紀律。做出減少消費的決定並堅持下去將幫助你省錢，無論你是在山頂大聲宣佈你的意圖還是悄悄地自己保存。</p>
</div><h2><strong>Step Three: Monitor Your Progress</strong></h2>
<div class="lb-trans"><h2><strong>第三步：監控你的進展</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>計劃固然重要，但生活總是以出人意料的方式干擾着即使是最好的意圖。監控你的進展可以幫助你瞭解你的儲蓄目標是否真實可行。</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>當你開始儲蓄之旅時，你可能會發現削減某些項目實在太難了。然而，你也很可能會發現有些購買對你來説要容易得多。</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>也可能會有意外的一次性費用讓你措手不及。希望你已經準備好應急基金，以防止你動用儲蓄，但如果沒有，生活中的這些坑窪也會影響你的底線。</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>給自己留出靈活性，找出最佳前進道路，並在路上做出調整。隨着時間的推移，你可能會發現你的工資增加了，給你額外的餘地來將更多資金存入儲蓄賬户。</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>通過定期審查你的支出，可以讓你深入瞭解你的進展。這將幫助你做出任何支持你支出決策和儲蓄目標的變化。</p>
</div><h2><strong>Conclusion: Save As Much As You Can</strong></h2>
<div class="lb-trans"><h2><strong>結論：儘可能多地儲蓄</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>歸根結底，最好儘可能多地為將來儲蓄。儘管我們試圖把個人理財簡化為黑白數字，但它更多地與我們的優先事項和偏好有關。</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>有些人更願意過最簡樸的生活，以支持他們的未來抱負。其他人選擇在當下更享受生活。我們現在和未來財務之間不斷的平衡是問題的關鍵。雖然你不想現在受苦，但你儲蓄得越多，你未來的狀況就會越好。</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>那麼，每個月應該存多少錢呢？雖然沒有適用於所有人的硬性數字，制定預算、做選擇和監控你的進展將幫助你確定適合你的金額。</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>學習理財，利用 TipRanks 的數據驅動股票見解</strong>。</p>
</div><p><strong>Learn money management, and use data-driven stock insights with TipRanks</strong>.</p>

每次發薪時你應該存多少錢？