大年初五迎财神！新年要怎么做才能变富？

大年初五，迎财神！

双语君的读者宝贝们，你家的财神请进门了吗？

在这里，双语君（微信ID：Chinadaily_Mobile）祝大家财运滚滚，恭喜发财！

说起来，财神，其实是个道教神。历史上有许多人物都被视作过，财神的化身，比方说：赵公明、范蠡和比干等等。财神也分东南西北中各路，甚至还有武财神、招宝天尊、利市仙官等等分类和名称。有些人可能会去，庙里拜财神，法新社就曾报道(曾报道)去年武汉，归元寺的祭祀景象：



Thousands of Chinese worshippers crowded into a temple in the middle of the country on Saturday to pay homage to the God of Wealth and pray for good fortune. Devotees flock to the Guiyuan Temple in Wuhan in central China on the fifth day of every Lunar New Year, to mark the birthday of the God of Wealth.

上周六，成千上万虔诚的中国人涌入中国中部，的一座寺庙，拜财神，祈求好运。每年农历大年初五，善男信女们都会涌入，华中地区武汉市的归元寺，庆祝财神的生日。



有些地方，除了初五迎财神，初六还会送“穷神”。



One of the legends tells the story of a prince – the son of the ancient emperor Zhuan Xu. He was only willing to wear rags and eat coarse grains. Even when offered new clothes, he would not wear them until he burnt a hole in them. People called him the “son of poverty.” After he died, people buried him, claiming the day as one to send away the son of poverty.

传说中，有这么一个王子，他是古代帝王颛顼的儿子。他只愿穿破布吃粗粮。即使有人给他新衣服，他也不会穿，直到有天，他衣服上烧了一个洞（才换新的）。人们称他为“贫穷之子”。他死后，人们埋葬了他，并把这一天当作送“穷神”的日子。

Few people know the story now, but the wish to be far from poverty and to welcome the new year with hope and wealth is passed along through the generations. After sending away the poverty and welcoming the God of Wealth, now it is also the time for shops to reopen for business. The new year has come with brand new prospects.

现在很少有人知道，这个故事了，但人们希望脱离贫困，伴随着期望和财富迎接新年的，愿望也是代代相传。在送走了穷神，迎来了财神之后，商店就会开张了。新年伴随着新气象到来。

小朋友们的财神估计就是各家长辈了。他们最爱过年的原因之，一就是可以小发一财——收压岁钱！



Red envelopes are a popular gift people give during important festivals and celebrations in China and some other Asian countries.

在中国及其他亚洲国家，人们逢年过节都会互包红包，当做礼物。

Traditionally, children and young adults receive red envelopes as a gift on Chinese New Year from their older relatives, friends of the family or neighbors.

传统上，孩子们和年轻人在春节时都会收到亲戚朋友或，邻居的红包作为礼物。

In China, in the last couple of years, digital money has pretty much taken over.

中国在过去的几年里，见证了数字金钱（电子支付）占据主导地位的过程。

In everyday life, notes and coins seem to be a thing of the past. Instead, even seniors use their phones to pay for a 3 yuan baozi, and a mom-and-pop store has a QR codes for electronic payment.

日常生活中，纸币和硬币似乎，已经成为过去。取而代之的是，现在，哪怕是老年人也会用，手机支付，买3块钱的包子。一家夫妻小商店也会有二维码，用于电子支付。

Since it’s so easy, with just a flick of the wrist, you can grant your friends, coworkers and miscellaneous group chats with digital envelopes. It has become quite common to send out hongbao with just a few kuai to basically everybody in your contact list throughout the holidays.

只要手腕轻轻这么一抬，你就可以给你的朋友、同事和各种各样的，群聊发数字红包，正因为这种便捷性，逢年过节，给随便哪个联系人发几块钱红包，(钱红包)已经是惯常操作了。

不过这一届年轻人啊，明明不是儿童了，却还在欲拒还迎地，收着红包。

赚钱的本事不一定有，多少长进，月光的本领倒是，超过前辈们一大截。

交完一季房租、再点几个外卖，银行账户里那个数字，就算漏看了小数点也，没多少，倒是蚂蚁花呗，的欠款节节高升。

Saving money should be a priority for millennials.

对千禧一代来说，存钱应当是他们，的首要任务。

An emergency fund is a necessity that can help you through difficult economic times. A fully funded emergency fund can help if you are laid off. It can also help with unexpected expenses like medical emergencies.

紧急基金是必需的，可以帮助你度过经济困难，的时期。如果你失业了，一笔资金充足的紧急基金可以救你于水火，(于水火)。它还可以帮助，垫付意外开支，例如生病。

Additionally, saving up a down payment for a house can help you purchase a better home in an area where you are happy to stay for a longer amount of time.

另外，为房子攒首付可以帮助你在一个，你愿意长期居住的地方买一套更好的房子。



Depending on your credit cards is a bad habit that can bankrupt you financially. It does more than affect your credit score. It can take away opportunities that you might otherwise have had if you did not need to make decisions based on whether or not you can meet your monthly obligations.

光靠信用卡过活是，个坏习惯，会让你破产。它不仅仅会影响，你的信用评分。要是你做经济上的决定时还老是要考虑，每个月是不是还得上钱，你本可拥有的其他机会就已经，被信用卡剥夺了。

Being debt-free, especially of consumer debt, opens so many doors and possibilities. Stop using your credit cards today. Then focus on getting out of debt. The sooner you can do this the more opportunities you will have in the future. Consumer debt can quickly add up and if you max out your cards, it can be difficult to make ends meet.

不要欠债，特别是消费型债务。无债一身轻，能为你打开许多，扇门和可能性。今天就停用信用卡。然后集中精力还债。你越快做到这一点，你在未来就越有，更多的机会。如果你透支信用卡，消费型债务很快就会累积，起来，你就很难维持收支平衡。





The most important thing you can do is to take control by mastering your budget. Your budget can help you reach all of your other goals. Many people who are struggling right now and are worried about retirement never really mastered budgeting.

你能做的最重要的，事情就是通过掌控预算来控制自己。做好你的预算可以，帮助你实现所有其他目标。许多现在正在挣扎、担心退休的人可能从来没有真正，做好预算过。

Too often they lived from paycheck to paycheck and had a difficult time dealing with unexpected expenses. A budget gives you the power to stop doing that. Take the time to really start budgeting today.

他们常常“月光”，上月工资花完了，下月还没发，这样很难应付意外的开支。做预算能让你有能力刹住“月光”的车。今天花点时间真正开始，做预算吧。



早在去年10月份，英国《每日电讯报》就曾报道(曾报道)，过中国年轻一代的理财状况。

Chinese millennials are more financially savvy than they are believed to be. Not only do they save every cent but also invest for the future, a report says.

人们以为中国的千禧一代，不会理财，但其实他们很会。有份报告显示，他们不仅省吃俭用，还会为未来投资。

Those born after 1990, in particular, are more financially conscious than the previous generations, as 80 percent of the 20-somethings involved in the survey say they will manage their money, said the report, issued in late July by the Chinese mobile payments company Alipay and the think tank China New Economy Research Institute in Hangzhou.

中国的移动支付公司，支付宝和杭州的一家智库——中国新经济(新经济)，研究院7月下旬发布的这份报告称，年轻人，尤其是90后的理财，意识比上一代人更强——参与调查的20，多岁的年轻人中，80%的人表示自己会理财。

希望，你就是那个80%理财达人之一哦！

编辑：陈月华

来源：France24; ltlschool; thebalance; The Telegraph

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