本帖最后由 ヮ成熟、羙° 于 2013-9-28 09:42 编辑
金钱与幸福的真谛
荷叶/译
金钱买不来幸福，这是一条被大家反复引用的公理。然而这并不一定正确，贫穷也买不来幸福。一些人很富有，但享受生活却很艰辛。另一方面，一些人能够生活顺利，没有金钱麻烦，原因是他们能充分利用其所有。
理想的生活是把财富和幸福结合起来。以下是我推荐的一些方法：
1．珍视简单。生活的目的不是尽可能的积聚财富。我们应该学会满足现状，感激简单所带来的益处。比如，清理掉心灵的杂念，我们会有更多的空间，更大的自由。
你如果感觉幸福与物质财富直接相关，那就错了。财产很少，如能满足，也可幸福。我们的内在财富不是拥有什么，而是生活在一穷二白之中，却能满足。
2．不要太迷恋金钱。花钱时心疼吗？即使花在有用的方面。即使比尔·盖茨，花他那亿万资产都会感到不舒服。据说他过去经常乘经济舱，因为他看不出在一等舱浪费金钱的必要。问题是，如果我们总是舍不得花钱，那就失去了挣钱的意义。
正确的方法是把金钱看作一个流通物，即花得多才能进得多。金钱不像大坝，我们只能保管。我们应该把钱花在有用而必要的事情上，让它流动起来。囤积水源而不发电无益。同理，光攒钱而舍不得花也无益。
3．最小化对金钱的忧虑。最幸福的人是把金钱看作生活中的一小部分，尽量看淡它。这就需要尽量避免负债，因为还债艰难而压力重重。要量入为出，避免因冲动而过度消费。如果确实需要负债，因提前规划，选择一种清晰可控的借款方式。
尽量避免复杂冒险的投资计划，这可能让你挣得多，同时也可能让你失去的更多。良好的金融规划应该简单平衡。这意味着你不必因担心投资结果而忧心忡忡。最好的方法是把钱投资或存放在安全的地方，从而可以忘记它，而不必烦忧无尽。
4．避免嫉妒。无论你有多少钱，你是否还在羡慕有人拥有的更多？最近做了一项调查，问人们是想要高于全国平均水平的工资，还是相对较高，但低于平均水平。令人吃惊地是有相当一部分人选择低于平均水平但相对高于其它人的工资。
我认为这毫无道理。其它人比你富有，这不是不开心的理由。其它人过得好，是件好事，不要因攀比而痛苦。
5．不要为工作而活。你是否发现自己夜里和周末还在加班？如果把所有的时间都用于工作，就没有花钱的机会了。不要因拒绝额外工作而心怀愧疚，闲暇和工作同等重要。如果能从工作中找到满足感这当然很好，但如果只是在花时间工作，那生活就缺乏了合理的平衡。
6．明白为什么有些人总是很穷。我敢肯定多数人都有一些好友，他们似乎总是有金钱烦恼。不管发生点什么事，他们似乎总是缺钱，他们经常讲述自己的经济困难。钱的缺乏使他们不幸福，但他们不知怎样改变局面。给他们金钱解决不了问题，因为他们会继续做出错误的金融决定。
其中部分问题在于我们的思维模式。人们很容易习惯贫穷并预期贫穷会继续。这样想就很难把钱吸引到生活中来，而且容易形成自怜自悔的情绪。虽然我们可能很不走运，但这对解决困境不起作用。秘诀是努力改变自己对金钱的习惯和态度。同时谨慎使别人养成更好的金融习惯，这几乎肯定不会成功。
7．无知不等于快乐。另一种态度是试图避免考虑金钱。我们忽略债务的真实程度，只花钱，不付帐。频繁地错失更好的交易，延期付款，破坏我们的信誉。如此忽略金钱，只能使将来的问题更严重。
同时，推迟处理金钱问题是把问题放入潜意识中。我们就不再有平和的心态，因为我们永远有许多事情要做。这种情况下，最好迅速处理掉付帐单，理清帐目这类问题，然后忘掉一切。
8．形成一个全新的视角。下面是几个你应该自问的有关金钱的问题：
我对自己现在的金融状况满意吗？更多的金钱能使我的生活更美好吗？是否总有金钱烦恼萦绕脑际？金钱是我一生中最重要的吗？追逐金钱使我痛苦吗？我会为了挣钱牺牲原则吗？仅仅回答这些问题就会使你对金钱产生一个全新的视角。
附：原文
The Truth About Money and Happiness It is an oft repeated axiom that money cannot buy happiness. While this is certainly true, poverty will not buy Happiness either. Some people become very wealthy, yet struggle to enjoy their lives. On the other hand, others manage to go through life with very few money problems simply because they are able to make the most of what they have. Ideally you should try to combine both prosperity and Happiness. To do this I recommend the following steps: 1. Learn to Value Simplicity The aim of life should not be to accumulate as many possessions and as much wealth as possible. We should learn to be content with what we have and appreciate the benefits of simplicity. For example, if we clear out our unnecessary clutter we will achieve a greater feeling of space and freedom. If you feel happiness is directly related to material possessions, you are making a mistake. Happiness can be gained just through being content with a small amount of possessions. Our inner wealth is not just about what we have, but what we are content to live without. 2. Do Not Be Attached to Your Money Does it pain you to spend your own money - even if it is for something useful? Even someone like Bill Gates can feel uncomfortable spending his billions; it is said he used to always travel economy class because he didn’t see the need to spend more money on first class. The problem with this, however, is that if we are always reluctant to spend money we miss the whole point of earning it. A good attitude is to see money as a circular flow - that is, spending money enables more to come into our lives. It is not like a big dam where we just try to hold onto it all. We need to let the money out by spending on useful and necessary things. It is no good having a stockpile of water unless we use it to generate power; similarly it is no use accumulating large savings if we feel miserable spending it. 3. Minimize Money Worries We will be happiest if we can make money a small part of our lives, and think about money issues as little as possible. To be able to do this we need to avoid creating situations of debt as getting out of debt can be difficult and stressful. Learn to live within your means by avoiding impulsive overspending. If you do need to go into debt, plan ahead and find a loan which is clear and manageable to repay. Try to avoid complicated and risky investment plans; these give you the potential to gain more, but you will also have the potential to lose a lot more. Good financial planning should be simple and well balanced; this means your nerves will not be affected by worrying about the outcome of your investment. It is better to invest and save in something secure so you can forget about it and not worry endlessly. 4. Avoid Jealousy No matter how much money you have, do you still envy people who have more? A recent survey asked people whether they would prefer to have a salary above the national average. Alternatively, they could choose to have a higher salary, but this higher salary would be lower than the average. A surprising amount of people chose to have a lower salary as long as it meant they were relatively better off than the rest of the population. To me this makes no sense. If other people become wealthier than you, that is no reason to be unhappy. If other people are prosperous that is good; don’t feel miserable just because you cannot keep up with the Joneses. 5. Don’t Live to Work. Do you find yourself working overtime in the evenings and at the weekend? If you spend all your time working, you will have no opportunity to spend your earnings. Don’t feel guilty for turning extra work down; it is important to give leisure time as high a priority as work. It is good if we can gain satisfaction from work, but if we only spend time working then our life lacks a proper balance. 6. Understand Why Are Some People Always Poor I’m sure most people will have good friends who always seems to have money concerns. No matter what happens they always seem to be short of money and they frequently share tales of financial woe. The lack of money makes them unhappy, but they don’t know how to change the situation. Giving them money doesn’t solve the problem because they continue to make bad financial decisions. Part of the problem lies in their mindset. It is easy to become accustomed to being poor and then half expecting the poverty to continue. With this mindset, it becomes difficult to attract money into our lives and easy to develop feelings of self pity and regret. However, while we might be unfortunate it won’t do anything to resolve the situation. The secret is to try and change our habits and approach to money. Also, be wary about trying to convert others to better financial habits - it is almost guaranteed to fail. 7. Ignorance is Not Bliss Another attitude to money is to try and avoid thinking about it. We ignore the true extent of our debts, spending and leaving unpaid bills. We frequently miss out on moving to better financial deals and make late payments which harm our credit rating. By ignoring money like this, we merely create more serious problems for the future. Also, when we put off dealing with financial problems we carry the problem in the back of our mind. We can get no peace of mind because we permanently have a long list of things to deal with. It is better in these circumstances to promptly deal with things like paying bills and sorting out your accounts - then we can forget about them. 8. Develop A New Perspective The following are some money related questions you should ask yourself: Am I happy with my financial situation? Would more money make my life better? Do I always have financial problems hanging over my head? Is money the most important thing in my life? Is the pursuit of money making me miserable? Would I sacrifice principles to make more money? Even just answering these questions honestly may encourage a new perspective towards money. | 
发表于 2013-9-28 09:35:11
QQ空间
腾讯微博
腾讯朋友
转播
分享
收藏
