這樣貪錢不傷感情

　　你的配偶或伴侶

　　If you’re sharing a life with someone, you’re likely sharing expenses, too. That can range from splitting the grocery bills to planning for long-term health care insurance and your children’s education.

　　如果你與某個人共同生活，你們也可能會分擔(dān)費(fèi)用。那可能延伸至分?jǐn)傠s貨店賬單的費(fèi)用、到規(guī)劃長期健康保險(xiǎn)費(fèi)、再到你孩子的教育經(jīng)費(fèi)。

　　Experts recommend having a conversation about money as early as possible so both partners are able to clarify their financial goals as a couple. Both individuals need to be transparent about their spending histories and any debt they might be carrying.

　　專家建議要盡早討論一下錢的問題，這樣雙方就能一起理清財(cái)務(wù)目標(biāo)。每個人都需要公開自己的消費(fèi)歷史記錄以及他們可能會背負(fù)的任何債務(wù)。

　　Gabrielle Clemens, a financial planner in Boston, suggests identifying values and goals rather than speaking solely about money.

　　波士頓的一位理財(cái)規(guī)劃師加布里埃爾·克萊門斯建議：我們明確價(jià)值和目標(biāo)，而不是僅僅只談錢的問題。

　　Your Friends

　　你的朋友

　　It’s natural for friends to have different salaries or different approaches to spending, but that becomes less comfortable if you find yourself pressured to spend more than you can afford.

　　朋友之間收入不同或者消費(fèi)方式不同很正常，但如果你發(fā)現(xiàn)自己被強(qiáng)迫著進(jìn)行你負(fù)擔(dān)不起的消費(fèi)，就變的不那么舒服了。

　　The reality is that some friends may be hurting your finances. “If a friend is encouraging you to indulge in bad financial habits, you need to have a conversation and be clear about your own financial goals,” said Laura Adams.

　　現(xiàn)實(shí)就是有些朋友可能會讓你的資金遭受損失。“如果一位朋友拉你下水，讓你沉溺于亂花錢的壞習(xí)慣，你們之間就需要談一談了，你要清楚你自己的理財(cái)目標(biāo)，”勞拉·亞當(dāng)斯表示。

　　Let your friend know why you’re not able to join them for certain outings, Adams added.

　　讓你的朋友知道你不能和他們一起參加某次郊游的原因，亞當(dāng)斯補(bǔ)充道。

　　Your Boss

　　你的老板

　　No matter where you are in your career, you want to make sure that you’re being paid what you deserve.

　　不論你處于職業(yè)生涯的哪個階段，你都想要確保你得到了應(yīng)得的收入。

　　That begins with your first job. A young employee can benefit a lot from negotiating — landing not only a higher annual salary, but also increased benefits and job flexibility in some cases.

　　這始于你的第一份工作。一位年輕的職員可以從談判中受益頗多——不僅僅會獲得一份更高的年薪，而且在某些情況下會增加福利和工作的靈活性。

　　It’s important to come to the table armed with information about the average pay range in your industry and a clear sense of the skills and experience you can offer the team. Plus, managers expect candidates to negotiate salary.

　　開始談判時，掌握有關(guān)你所處行業(yè)的平均薪資幅度的信息，并對你能為團(tuán)隊(duì)提供的技能和經(jīng)驗(yàn)有清晰的認(rèn)識是很重要的。而且，經(jīng)理也期待著和候選人談一下薪資。

　　As you rise in the ranks or move on to a new job, it’s crucial to keep having those conversations about compensation. If you’re taking on more responsibility or are bringing in a desirable skill set, those are reasons to talk with your boss about getting paid accordingly.

　　隨著你升職或轉(zhuǎn)到新的工作崗位上，繼續(xù)進(jìn)行關(guān)于薪酬的談話也是重要的。如果你擔(dān)負(fù)了更多的責(zé)任，或者身懷工作所需的技能，相應(yīng)的——那些都是你跟老板協(xié)商薪酬的理由。

　　Your Parents

　　你的父母

　　Parents can be supportive mentors when it comes to financial advice. They’ve already been through the various life stages you’re going through, and you can ask them to share the things they wish they’d known about money when they were your age.

　　談到理財(cái)建議，父母會是支持你的良師益友。他們已經(jīng)經(jīng)歷過你正在經(jīng)歷的人生的不同階段，你可以請他們與你分享他們在你這個年紀(jì)的時候，關(guān)于錢他們已知的希望得到的事物。

　　Learn from their mistakes and their successes, but also make sure to think independently.

　　從他們的錯誤和成功中學(xué)習(xí)，但也一定要獨(dú)立地思考。