方法二:增加被動收入
被動收入最容易讓人誤解的是短期的不勞而獲,比如統一發票的獎金能算是被動收入嗎?其實不是,雖然兑獎統一發票只要付出一點心力,不過不能保證一定能獲得獎金,所以發票中獎不能算是一種被動收入。
增加被動收入依靠的是長期的努力,不是片刻就能看到成效的,以在旅行社當領隊導遊的小傑為例,工時相當彈性,他利用沒有帶團的時間積極進修,考取相關證照,廣泛閱讀整理旅遊資訊在網路上分享給大家,慢慢的開始有旅遊雜誌想要花錢購買小傑的文章,也考慮未來出版專書的可能,這就成了小傑穩定增加的被動收入來源。
閩南語有句話相當適合拿來形容增加被動收入的過程:「戲棚下站久了就是你的」,意思是說:想要成功就要有恆心,千萬不要遇到困難就想要放棄。
英文小貼士:increase income and reduce expenditure 開源節流
expand production and reduce expenses 擴大生產、節省開支
- We need to increase our income and reduce our expenditure in order to save money for our future.
(增加收入、減少支出,才能為未來的計畫存下錢。)- The company is trying to expand production and reduce expenses by optimizing its manufacturing process.
(公司正試著透過優化製造流程,擴大生產、減少支出。)
active income 主動收入 / passive income 被動收入
- I'm wondering how I can increase my active and passive income to achieve my financial goals.
(我在想要如何增加主動和被動收入,才能實現我的財務目標。)- My active income comes from my job, while my passive income comes from my investments.
我的主動收入來自於我的工作,而被動收入來自於我的投資。
開源,不代表賺越多就可以花越多,而節流也不等於沒有品質的生活。最後想以美國藝術家安迪.沃荷(Andy Warhol)的話作結,勉勵所有正在開源節流的你我他:“走得多慢都無所謂,只要你不停下腳步。”
英文小貼士:desire 想要(慾望) / need 需要
slim down expenses 瘦身開支
boost wallet 擴大荷包
- I desire a brand-new car, but I only need a reliable one to get me to work and back.
(我想要一輛新車,但我只需要一輛可靠的車子帶我上班。)- I need to carefully examine my financial situation in order to slim down expenses.
(我需要仔細檢查我的財務狀況,以便瘦身開支。)- Through reducing expenses and increasing income, I have successfully boosted my wallet.
(透過節流和增加收入,我成功地擴大了我的荷包。)
wish list 願望清單 / shopping list 購物清單
- I have a long wish list of things that I want to have.
(我有一個長長的心願清單,裡面列出了我想要擁有的東西。)- Before going shopping at the supermarket, I make a shopping list so that I can control my expenses more efficiently.
(我在超市購物前,會先寫一份購物清單,這樣可以更有效率地控制開支。)