挑战自己抛开现在的预算，然后制定一个更好的。财务管理不在于你能挣多少钱，而在于你能用挣到的钱干什么。

- So, produce a budget on paper, or in an Microsoft Excel file.
所以，在纸上制定一个预算吧，用Excel也可以。

- Identify the item you’ve been spending so much money on.
找出自己开销比较大的方面。

- Cut back on that item so you have more money to put in your emergency fund or in your investment fund.
然后削减在那方面的开销，这样你就有更多钱用来投资到应急基金或投资基金里了。

6. Dedicate at least nine minutes a day for physical exercise.
每天至少花9分钟锻炼身体。

You don’t need to go to the gym, you know. A simple 9-minute run around your neighborhood or an intense dance routine done in your living-room can do wonders for yourself. Aside from the obvious reason that exercise can help you maintain your regular weight or shed those unnecessary pounds, it can also aid in making you feel better about yourself by releasing endorphins.
要知道，你不一定非去健身馆不可。绕着小区跑步9分钟或者在卧室集中跳一段热舞，其实也能帮你维持正常体重或甩掉赘肉，而且还可以通过释放内啡肽让你感觉良好。

7. Travel and allow yourself to be interested in new people.
旅行——敞开心胸认识新朋友。

We’re not talking about the expensive kind of travelling here. Something cost-effective like going to your local museum or visiting the resort in the next city can all count as travelling! Here, don’t just limit yourself to your fellow travelers – try to connect with the service staff, like the lifeguard, or the receptionist, or the tour guide. You never know what kind of people they’re going to be. Get out of your house or go online right now to book your class. Start now and learn to challenge yourself from time to time. We all need a little push once in a while.
这里说的不是那种要花大把银子的旅行。像参观本地博物馆或邻市旅游景点这种花钱少的方式，也可以称为旅行！请不要只去认识同行的人——试试搭讪一下救生员、接待员或导游等服务人员吧。你永远不知道自己将会认识什么样的人呢。到外面或在网上报班学习吧。现在就开始学习时不时地挑战自己。我们都需要时不时地推一把。