Sometimes it can feel like your money goes much quicker than it comes and you can’t save. In fact, every person can save money no matter how much they earn each month. It’s so easy and fun to spend money but it’s so hard to save them. You might think that you don’t have anything to save, however a little budgeting can go a long way. Check out a few crucial reasons you should start saving money.

　　有时你总觉得钱好像去的总比来得快，所以你无法攒下钱。实际上，无论一个人每个月挣多少，他总能攒下钱的。花钱这件事既容易又开心，但攒钱却难上加难。你也许认为你存不下钱，但是稍加计划你就能受益良多。下面来看看一些你必须开始存钱的关键性理由吧。

　　1.Retirement

　　退休

　　It’s extremely important to save up for retirement. Even if it’s just $15 a month, it’s much better than saving nothing. It’s hard to live when you don’t have any money for your retirement. If you are in your 20s and your salary is small, try to save at least $10 a month and they will definitely help you when you retire.

　　为退休后的生活存钱真是重中之重。即使你只是一个月省15美元，也比什么都留不下要好。如果你退休以后身无分文，那样的日子才真是捉襟见肘。如果你现在20来岁，尽管薪资微薄，却愿意每个月存上那么10美元，那么你退休之后必将从中受益。

　　2.Emergencies

　　紧急情况

　　Saving for a rainy day can be as vital as saving for a certain goal. It’s difficult to save for emergencies because they’re unpredicted, but if you don’t have money when you need it, you can easily get yourself into debt. Again, even if it’s only $15-20 a month, they can help you when you really need them.

　　存钱的一个主要目的是未雨绸缪。为突发情况存钱其实是很难的，因为它们并不可预见，但是如果你需要钱的时候却囊中羞涩，你便很容易陷入债务危机。再次重申，即使你每月只是存15-20美元，它们会在紧急关头救你于水火。

　　3.Debt

　　债务

　　Another crucial reason to start saving money is to avoid debt. Nowadays many people have debts and you might think it’s normal. The truth is, it’s not normal. It’s easy to get into debts but hard to get out of them. I speak from personal experience. Start saving today to avoid debt tomorrow.

　　另一个存钱的理由是为了避免负债。如今，很多人身负债务，你或许习以为常了。其实，这并不正常。债务如泥潭，进来容易出去难。这些是我的经验之谈。今日始存款，明日不负债。

　　4.Entertainment

　　娱乐

　　Perhaps you are surprised to see entertainment on the list of the most crucial reasons to save money, but you shouldn’t forget about fun. Entertainment can be expensive too. Going to dinner with your friends or going to the cinema is not cheap. You should also save up for your vacation. Sure, if you earn a lot of money each month, you can skip this reason. But if you don’t, make sure you save some cash for your entertainment.

　　也许你看到娱乐名列存钱的重要理由之列觉得不可思议，但你总是忘不了玩儿的。娱乐也是昂贵的消费。跟朋友去吃饭或者看电影可是花销不小的。你也得为你的假期存些钱吧。当然，如果你月工资很高，忽视这个理由吧;但如果不是，为了你的娱乐生活，别一分钱都存不下。

　　5.Expensive things

　　贵重物品

　　Many of us think that only rich people can afford to buy expensive things, but it’s not true. Everyone can afford to purchase at least one expensive thing a year, if they save up for it. We often spend a lot of our hard-earned money on cheap things that we don’t actually need. Moreover, all those daily coffees at a local cafe and huge cable bills can drain your budget so that you won’t even notice it. If you’re dreaming about that expensive dress or laptop, start saving today and you’ll definitely buy it in a few months.

　　很多人会想，只有有钱人才会买奢侈品，但事实并非如此。如果能存的下钱，每个人每年都应该能买得起至少一件奢侈品。我们经常把我们大把的血汗钱花在我们根本用不着的廉价货上，而且，我们每天在附近的咖啡馆买咖啡、多次乘出租车，都在不经意间堵死了存钱之路。(感谢F大大的佳句)如果你想买件贵点的裙子或者笔记本电脑，今天开始存钱，你会在未来的几个月内成功买下它们。

　　6.Gifts

　　礼物

　　If you mom and dad work hard but still can’t afford a vacation, why not save up for your parents to go on a vacation? Children should always help their parents no matter what. You can also save some cash to buy your best friend a great gift. Plus, you can save up for charity. After all, there’s always a reason to save up for something, isn’t it?

　　如果你的父母即使劳碌终日却仍无法有钱去度假，你为什么不存点钱让父母出游呢?无论如何，孩子应该无条件帮助父母。你也可以省点钱给你的闺蜜或兄弟买个很棒的礼物。再说，你可以存点钱做好事。毕竟，总有那么一个理由让你去存钱，不是吗?

　　7.Upgrading

　　升级

　　If you are planning to move out or buy a new car, you will need some money for upgrading your house or your car. It can be difficult to upgrade your house for a month if your salary is small. Start saving up today so that you have the available money when you need them.

　　如果你想搬个新地方或者买辆新车，你总需要钱为它们买单。如果你薪水不多，一个月内换个新房子怕是有点为难。今天开始存钱，在你有需要的时候就会有存款做你的后盾。

　　So, there you have it! Some of the most important reasons you should begin saving your money. Set your financial goals and try to reach them. Just don’t forget to save some cash each month.

　　所以，你知道了为什么要存钱的几个重要理由了吧!制定经济方面的目标并努力做到。不要忘了每个月存点小钱。

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（责任编辑：何莹莹）