1、不断从薪水中拨出部分款项存起来，5%、10%、25%都可，反正一定要存；
2、搞清楚你的钱每天、每周、每月流向哪里，也就是要详细列出预算与支出；
3、检查、核对所有的收据，看看商家有没有多收费；
4、银行卡只保留一张，能够证明自己的身份就够了；
5、自带饭菜上班，每年可省下2000元，用它存来作退休基金；
6、与人合乘公共交通工具上下班，节省停车费、汽油费、保险费以及找停车位的时间；
7、多读些有关修理、投资致富的实用手册，最好从图书馆借，或从因特网下载，省钱；
8、简化生活，房子不用太大，买二手商品，到廉价商店、拍卖场等处购物；
9、买东西时别忘想想花这钱值不值得，便宜货不见得划得来，贵也不一定能保证质量；
10、绝对可侃价，你不提出，店家绝不会主动降价卖给你东西。
点评：
为什么生活要节俭？要忍住现在的欲望，总要给自己一个理由吧。对许多享乐主义的新人类，可能从来也不曾想过回答自己这个问题，你的人生中最关心的事是什么，什么事能激起你的热情，什么事能让你感到真快乐？他们一定会说，现在及时行乐最重要，谁管得了以后的事，到时候再说吧。事实恰恰相反，生命中更多值得去探索体验的事，为了获得真快乐，必须节俭，控制自己的花费，集中在完成你的人生大梦上。那就是我们为什么生活节俭的原因。理财要先节俭，节俭需要你对人生有热情。
译文:
Ten Recipes for Office Workers to Make a Fortune
1. Extract a portion of money from your salary to deposit in the bank, it will be ok for 5%, 10% or 25%, nonetheless, do deposit;
2. Make clear where your money flow to every day, every week or every month, that is, to list in detail budget and expenditures;
3. Examine and check all the receipts to make sure there is no extra charge;
4. Reserve only one credit card to identify yourself;
5. Take food to work, which can save 2000 Yuan every year. Take this money as retire fund;
6. Get on and off work by bus, which can save expenses for parking, fuel and insurance, as well as time for finding a parking area;
7. Read more practical brochures about repairing and investment, which are better borrowed from library or download from internet that are cheaply;
8. Simplify your life, the house does not have to be large, and buy things of second hand or in bargain store, bidding blocks and so on.;
9. Think whether it is worth or not when buying. Things are not always worthwhile even it is cheap or of good quality even it is expensive;
10. Bargain is necessary, for the seller won’t be willing to sell you for a lower price unless you propose to.
Remarks:
Why we should live frugally? A reason must be given why you have to control your desire. What you care most? What stir you up? What things make you happy most? For some epicurean new age, questions like these may be never considered to answer by themselves. They may say, “carpe diem is the most important at present, things in the future are not cared, and then we’ll see”. The boot is on the other leg, there are many things in life that worth experience and explore. In order to acquire true happiness, we must be thrifty to control our expenses to make them focus on fulfilling your dreams. That’s why we live prudent. To financing first you must be prudent, and to be prudent you must passionate in life.