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省錢並不完全決定於你是否知道怎樣買到一件令人尖叫的打折商品。更多的時候它和你對待金錢的態度有關。

Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
想想諸如沃倫巴菲特這樣的富人吧，他們並不像大多數人想的那樣卑鄙骯髒。

As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.
就像由托馬斯J斯坦利和威廉姆D.丹可合著的《與百萬富翁為鄰》這本書裡所描述的一樣，個人財富與人們對待金錢時具備的基本素質有很大關係，許多大富豪實際上都很節儉。

Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
瞭解這些個人品質怎樣影響你的財運是財富積累過程中必不可少的部分。

Here are 10 key traits:
以下是十大要素：

10. Patience
10.耐心等待

Patience is one of the most important traits when it comes to saving money.
耐心是資金積累過程中最重要的因素之一。

This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
這意味著等待第一波產品宣傳的時代已經過了，在買一輛新車之前再開幾年舊的，等待你的預算足夠支付而不是透支去買你想要的東西。

Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
耐心足夠與否往往是存錢和欠錢之間的差別。在你進行一項不錯的交易前耐心等待是財源廣進的墊腳石。

9. Satisfaction
9.滿於現狀

When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
當你感到滿足時，就不會把錢花在不必要的事物上了。購買的唯一目的是你相信買入一件物品或花錢享受服務能讓你更快樂，更富足，更好看或增加滿足感。

People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
人們花錢是因為他們想抓住廣告裡那令人興奮的事物。當你對你的生活（不嘗試像電視裡的人那樣生活）和你所擁有的感到滿意時，你的財富增值會有更好的形式。

8. Organization
8.條理清晰

Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
有條理性能使你更有創造力而且能確保所有與個人理財有關的事情都合理調度。

It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
意味著不要付滯納金，別一樣東西買兩件，清楚影響你理財的底線，在短時間內爭取做更多的事情，所有這些都對理財有益。

7. Discipline
7.嚴於律己

You need the discipline to continue to save money for specific, long-term goals every month. Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
你需要自律性以便每個月為一些明確而長期的目標存錢。個人的資金積累並不是快速致富的方法，但是可以鍛鍊人生規劃。

6. Reflectiveness
6.深思熟慮

It's important to be able to look at your financial decisions and reflect on their results. You're going to make financial mistakes. Everyone does. The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
審視財務上的決定並觀察它們帶來的結果是很重要的。每個人在經營財務時都會犯錯誤，關鍵是你能從其中吸取教訓並避免再犯同樣的錯誤，要認清你是否重蹈覆轍。

5. Creativity
5.有創造力

The economy and our earnings don't always match our expectations.
經濟和收入不會常常和我們的期望成正比。1

Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
不可預知的變化製造破壞並會使財務規劃變得複雜。當這些發生時，計劃要隨著環境而變化，而創造力就可以完成這一過程。

Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
創造力可以在你沒錢的時候幫助你讓事物更持久而非一味追求它。這意味著掙錢可以遠離債務而不是簡單的透支信用卡，也意味著當手頭緊張時找個便宜的替代品更有益處。

In these ways, creativity plays a large role in keeping finances in order.
在這十大要素中，創造力在有序合理分配資金的過程中扮演著重要的角色。

4. Curiosity
4.有求知慾

Having curiosity helps you learn, study and improve yourself.
適當的好奇心可以幫助你學習，探討以及提升自己。

The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.
渴望知道更多，肯花時間學習並學以致用是由求知慾推動的重要過程。

3. Risk-Taking
3.敢於冒險

To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.
要想建立財富就要時刻準備冒險，這裡非指無法估算的風險。而是指權衡所有的選項並在適當的時間冒一點可以估計的風險。

The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.
股票市場就存在一定風險，但是長期以來歷史證明，明智的投資可以獲得良好的收益。那些不敢冒險的人把錢存在賬戶裡，終究會埋沒在通貨膨脹的洪流中。

2. Goal-Oriented
2.目標明確

The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.
設立目標並朝著目標前進的重要性顯而易見。如果你不知道前進的方向，那麼到達目的地會困難重重。為自己設定明確的賺錢目標並有動力去完成可以幫助你在跟人財務上獲得巨大收益。

Those who lack goals don't have a road map to take them to the financial destination they want.
那些缺乏目標的人沒有行之有效的線路圖以幫助他們到達財務上的目的地。

1. Hard- and Smart-Working
1.努力+智慧=成功

Creating wealth and staying out of debt rarely comes about without a lot of hard work.
創造財富並遠離債務很少是不靠勤奮就能完成的。

Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.
許多人可能希望彩票解決他們所有的財務問題。無論如何，通往財富王國的有效途徑就是提升價值觀並努力工作以增加你的薪水。

You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you're missing.
或許你不一定擁有以上所有特質。但是知道它們可助你有所改變，如此你會壯大你所擁有的，重獲你曾失去的。

Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire.
最終，它們會幫助你合理支配個人財務並為你渴求的財富積累創造計劃。