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理财道理不难，难的是如何坚持。如果想积累财富，那么你需要养成良好的理财习惯，并经常反思理财方式。现将历年来最好的个人理财技巧归纳如下，以供大家学习和再学习。
第一、不存在万全之策
毋庸置疑，经验法则并不具备万能性。即便是理财专家，其也不能给一些事情妄下定论，是否应该早日还清房贷，是否应该使用信用卡等都是典型例子。在某些情况下，经验法则压根就不会奏效，诸如告诫别人“谨防入不敷出”，完全起不到任何实质作用。因此，当不幸破产时，你也许应该忽略一些有可能恶化当前处境的理财建议。
第二、有些理财经验永远不会过时
据说，每个人都能从一些个人理财基础知识中获益匪浅。当这些理财知识无法在学校学到时，这种体会则更加深刻。此外，有一条亘古不变的个人理财经验，即维收支平衡这一状态（无论是花的比挣的少，还是挣的比花的多，道理同样适用）。
理财道理不难，难的是如何坚持。如果想积累财富，那么你需要养成良好的理财习惯，并经常反思理财方式。现将历年来最好的个人理财技巧归纳如下，以供大家学习和再学习。
第一、不存在万全之策
毋庸置疑，经验法则并不具备万能性。即便是理财专家，其也不能给一些事情妄下定论，是否应该早日还清房贷，是否应该使用信用卡等都是典型例子。在某些情况下，经验法则压根就不会奏效，诸如告诫别人“谨防入不敷出”，完全起不到任何实质作用。因此，当不幸破产时，你也许应该忽略一些有可能恶化当前处境的理财建议。
第二、有些理财经验永远不会过时
据说，每个人都能从一些个人理财基础知识中获益匪浅。当这些理财知识无法在学校学到时，这种体会则更加深刻。此外，有一条亘古不变的个人理财经验，即维收支平衡这一状态（无论是花的比挣的少，还是挣的比花的多，道理同样适用）。
第三、金钱可以买到幸福（但视具体情况而定）
诚然，金钱是实现目的的一种手段。虽然金钱买不到爱情，却可以买到幸福。若你花钱有道，你便可从中收获幸福。此外，当考虑如何消费自己辛苦赚来的血汗钱时，不妨考虑一下自己真正愿意付出大量时间和精力的事情。
第四、制定预算
有了预算，你便能清楚收入的来龙去脉；没有预算，你会觉得金钱像流水一样从钱包流走。如果你从未制定过预算，那么是时候考虑一下了。哪怕有一天破产了，预算也是非常重要的一个举措。通过制定预算和记录开销，你会揪出那些导致浪费的“罪魁祸首”。
第五、自动化理财
一旦涉及金钱问题，之前制定的良好预算计划便会受到人类本性的挑战。如若遇到这种情况，建议将理财自动化。这样一来，你不仅能敦促自己储蓄更多钱，还可有效避免消费诱惑，节省管理账户时间。如若自动化理财，储蓄大计定大有指望。
第六、时刻准备工资谈判
注意，要时刻准备进行工资谈判。在工资谈判这件事上，你所能犯的最大错误便是不去尝试。不要害怕谈判，更不要担心潜在老板会将你视为一名“向钱看”的员工。实际上，公司负责人期待应聘者能够提出薪资要求，并会将其要求纳入考虑范围之列。
第七、重视信用评分
较之现金管理，信用记录和信用评分的管理难度要大一些，但信用真的既是一件非常有利的工具，又是一项很有价值的资产。如若信用记录良好，你可贷款购房购车、享受较低的保险税率、甚至其会成为你的求职加分项。
第八、金钱观尤为重要
个人理财也许只是数字游戏，但金钱观则能反映出我们的理财能力。日常生活中，稍加留意便可改善消费习惯。鉴于我们时常会感觉自己在贫富之间摇摆，有时虽囊中羞涩但却抑制不住消费冲动，所以我们必须督促自己养成储蓄的良好习惯。
第九、储蓄需趁早
储蓄需趁早这件事，想必大家都知道。但只有亲身经历过，你才能真正感受到日积月累的力量。股神巴菲特曾表示，没有早点养成储蓄的良好习惯是最大的金钱失误。所幸地是，储蓄什么时候开始都不算迟，马上行动起来才最明智！
第十、理财非一日之功
积累了一定的理财知识和技巧，并付诸实践之后，你会发现自身经济状况在逐渐改变，而且会一直改变下去。当然，理财所处的大环境也处于时刻变化之中。建议保持一颗开放的心，随时接受别人给出的合理建议，并时常调整和挑战自身的金钱期望。如果你之前没有接触过理财知识也没关系，本文已将基本的理财知识罗列出来，你仅需择优选择并付诸实践即可！
原文：
Top 10 Things About Money Everyone Should Know
Money rules might be simple, but they’re not always easy to stick to. If you want to build wealth, you have to constantlywork on your money habitsand rethink your relationship with money. Here are some of the best personal finance tips we’ve shared over the years that everyone should learn or relearn.
10. There’s No One-Size-Fits-All Approach
Despite this post’s confident headline and the tips we share so assuredly below, let’s start off by saying that personal finance is, well, personal. Rules of thumb don’t apply to every single person in every situation, and even the experts don’t agree on many things, likewhether to pay your mortgage off earlyorif you should use credit cards. Sometimes rules of thumb given as advice are really unhelpful, liketelling someone to just “spend less than you earn.”When you’re broke, for example, you might need toignore lots of financial advicethat would be bad for your situation. And even people who earn the same amount of money will have different budgeting strategies and financial goals, as thisprofile of three people with three salariesshows. So listen to money advice, but adjust it for your situation as needed.
9. Some Money Rules Never Go Out of Style
That said, there are some personal finance basics that everyone would benefit from learning, especially when thisisn’t a topic that’s taught in schools. The most important personal finance rulesdon’t change—includingthe most basic truththat you need tohave a gap between your income and your spending, whether you’re spending less than you earn orearning more than you spend(same thing, but subtle difference in perspective). Here are10 good financial rules of thumbyou can use as yardsticks.
8. Money Can Buy Happiness (But It Depends on Where You Spend It)
Money is a means to an end. While it can’t buy you love,it can buy you happiness—if youprioritize your spending on the right purchases, such as experiences and helping out others. When deciding where to spend your cold hard-earned cash,look to those purchases you’ll spend the most time with.
7. You Need a Budget
A budget helps you figure out where your money should go; without one (or without tracking it), you might find yourself thinking that money is just vanishing from your wallet. If you’ve never created a budget before,this is how to do it. It’s an important stepeven when you’re broke. After setting up a budget and tracking your spending against it, you’ll find the things you waste the most money on(we have spending categories in common, particularly food).Give every dollar a purposeand it will be easier to meet your financial goals.
6. Managing Money Is Immensely Easier If You Automate Your Finances
Even with a budget and a great plan, the truth is human nature trips us up when it comes to money.Automate your finances, however, and you can trick yourself into saving more, avoid temptations, and spend less time managing your accounts. You cansave money without even trying! Here’san infographic.
5. Always Negotiate Your Salary
Always.The biggest salary negotiation mistake is not doing it. Don’t be afraid to negotiate, as if your potential future employer might see you as a money-grubbing employee—hiring managers actually expect it of applicantsand build that into their offer proposals. If you don’t negotiate your salary, itcould cost you $500,000in the course of your career. So here’show to negotiate your salary.
4. Protect Your Credit
Your credit history and credit score might not seem as easy to manage as cash, but credit is both a powerful tool and a valuable asset. You use it for buying homes and cars as well as for qualifying for lower insurance rates and getting jobs. Here are10 ways you can improve your credit score immediately, how tocheck your credit score,how many credit cards you should have, and how tomake sure those credit cards are protected from identity theft.
3. How We Think About Money Is the Biggest Game-Changer
Personal finance might be a numbers game, but how we think about money dictates how well we play it. We’ve learned thateven just a bit of gratitude can improve spending habitsand that it takes work toconquer a scarcity mindset(or fear of being poor). We have totrick ourselves to save moneybecause we often fluctuate between feeling rich and feeling poor, feeling frugal and wanting to spend.The greatest money hacks are actually mind hacks.
2. The Earlier You Start Saving, the Better
This is something we probably all intuitively know, but it’s not until you witnessthe power of compoundingand how time is your most powerful asset when you’re young that you realize, hell, I should’ve started saving yesterday (or last year or last decade). Not making a habit of saving early isthe biggest money mistake we make, according to Warren Buffet. (Look atthis retirement savings chartif you’re not convinced.) That said, it’snever too late to start saving.You can still catch up. Here’swhat you should know about saving for retirement, including ourbeginner’s guide to investing.
1. Learning About Money Is an Ongoing Process. Keep Learning from Others
Finally, to circle back to tip number ten, your financial situation will change—and keep changing. The financial environment will also keep fluctuating. Stay on top of this by being open to new advice and regularly challenging your money assumptions. Other peoples’ experiences can help too. These arethe most common money mistakes people make, by age group, andthe dumb money mistakes I made when I was younger. We also recommend picking up a solid personal finance book or two, such as I Will Teach You to Be Rich, reviewed here. If you’ve never learned how to manage your money, don’t worry, we’ve got you covered inour basic guide here.（原文出处：lifehacker网站）
栏目介绍：“洋视角”是理财频道新开设的一个栏目，栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点，以期对国内投资者的投资理财有借鉴意义。
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