Sometimes it can feel like your money goes much quicker than it comes and you can’t save. In fact, every person can save money no matter how much they earn each month. It’s so easy and fun to spend money but it’s so hard to save them. You might think that you don’t have anything to save, however a little budgeting can go a long way. Check out a few crucial reasons you should start saving money.
有時你總覺得錢好像去的總比來得快，所以你無法攢下錢。實際上，無論一個人每個月掙多少，他總能攢下錢的?；ㄥX這件事既容易又開心，但攢錢卻難上加難。你也許認為你存不下錢，但是稍加計劃你就能受益良多。下面來看看一些你必須開始存錢的關鍵性理由吧。

1.Retirement
退休

It’s extremely important to save up for retirement. Even if it’s just $15 a month, it’s much better than saving nothing. It’s hard to live when you don’t have any money for your retirement. If you are in your 20s and your salary is small, try to save at least $10 a month and they will definitely help you when you retire.
為退休后的生活存錢真是重中之重。即使你只是一個月省15美元，也比什么都留不下要好。如果你退休以后身無分文，那樣的日子才真是捉襟見肘。如果你現(xiàn)在20來歲，盡管薪資微薄，卻愿意每個月存上那么10美元，那么你退休之后必將從中受益。

2.Emergencies
緊急情況

Saving for a rainy day can be as vital as saving for a certain goal. It’s difficult to save for emergencies because they’re unpredicted, but if you don’t have money when you need it, you can easily get yourself into debt. Again, even if it’s only $15-20 a month, they can help you when you really need them.
存錢的一個主要目的是未雨綢繆。為突發(fā)情況存錢其實是很難的，因為它們并不可預見，但是如果你需要錢的時候卻囊中羞澀，你便很容易陷入債務危機。再次重申，即使你每月只是存15-20美元，它們會在緊急關頭救你于水火。

3.Debt
債務

Another crucial reason to start saving money is to avoid debt. Nowadays many people have debts and you might think it’s normal. The truth is, it’s not normal. It’s easy to get into debts but hard to get out of them. I speak from personal experience. Start saving today to avoid debt tomorrow.
另一個存錢的理由是為了避免負債。如今，很多人身負債務，你或許習以為常了。其實，這并不正常。債務如泥潭，進來容易出去難。這些是我的經驗之談。今日始存款，明日不負債。

4.Entertainment
娛樂

Perhaps you are surprised to see entertainment on the list of the most crucial reasons to save money, but you shouldn’t forget about fun. Entertainment can be expensive too. Going to dinner with your friends or going to the cinema is not cheap. You should also save up for your vacation. Sure, if you earn a lot of money each month, you can skip this reason. But if you don’t, make sure you save some cash for your entertainment.
也許你看到娛樂名列存錢的重要理由之列覺得不可思議，但你總是忘不了玩兒的。娛樂也是昂貴的消費。跟朋友去吃飯或者看電影可是花銷不小的。你也得為你的假期存些錢吧。當然，如果你月工資很高，忽視這個理由吧；但如果不是，為了你的娛樂生活，別一分錢都存不下。

5.Expensive things
貴重物品

Many of us think that only rich people can afford to buy expensive things, but it’s not true. Everyone can afford to purchase at least one expensive thing a year, if they save up for it. We often spend a lot of our hard-earned money on cheap things that we don’t actually need. Moreover, all those daily coffees at a local cafe and huge cable bills can drain your budget so that you won’t even notice it. If you’re dreaming about that expensive dress or laptop, start saving today and you’ll definitely buy it in a few months.
很多人會想，只有有錢人才會買奢侈品，但事實并非如此。如果能存的下錢，每個人每年都應該能買得起至少一件奢侈品。我們經常把我們大把的血汗錢花在我們根本用不著的廉價貨上，而且，我們每天在附近的咖啡館買咖啡、多次乘出租車，都在不經意間堵死了存錢之路。（感謝F大大的佳句）如果你想買件貴點的裙子或者筆記本電腦，今天開始存錢，你會在未來的幾個月內成功買下它們。

6.Gifts
禮物

If you mom and dad work hard but still can’t afford a vacation, why not save up for your parents to go on a vacation? Children should always help their parents no matter what. You can also save some cash to buy your best friend a great gift. Plus, you can save up for charity. After all, there’s always a reason to save up for something, isn’t it?
如果你的父母即使勞碌終日卻仍無法有錢去度假，你為什么不存點錢讓父母出游呢？無論如何，孩子應該無條件幫助父母。你也可以省點錢給你的閨蜜或兄弟買個很棒的禮物。再說，你可以存點錢做好事。畢竟，總有那么一個理由讓你去存錢，不是嗎？

7.Upgrading
升級

If you are planning to move out or buy a new car, you will need some money for upgrading your house or your car. It can be difficult to upgrade your house for a month if your salary is small. Start saving up today so that you have the available money when you need them.
如果你想搬個新地方或者買輛新車，你總需要錢為它們買單。如果你薪水不多，一個月內換個新房子怕是有點為難。今天開始存錢，在你有需要的時候就會有存款做你的后盾。

So, there you have it! Some of the most important reasons you should begin saving your money. Set your financial goals and try to reach them. Just don’t forget to save some cash each month.
所以，你知道了為什么要存錢的幾個重要理由了吧！制定經濟方面的目標并努力做到。不要忘了每個月存點小錢。

【說明】本文由滬江論壇翻譯社供稿，快來一起學習進步吧！戳我加入翻譯社吧>>>