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Day 7: Work For Your Dreams, Not Your Money
The Simple Dollar offers a month-long plan for fixing your finances. All you need is an open mind and an hour each day.
During this past week, we identified our primary values and used these to create clear goals and plans that derive from these values. Then, we spent some time discovering what our work time is actually worth. Today, we’re going to combine these two together.
If you’ve been following the plan, you’re probably working on the numbers for your plans right now. We won’t evaluate them yet (after all, you’ve got a few days to go before you have some real numbers), but you should realize that you’re going to have to save some money to meet these goals.
The big secret, though, is the realization that you can in fact work for your dreams instead of working just to get by. Yesterday, we calculated our true hourly wage, so you know how much you’re making for each hour you’re involved with work-related tasks. Let’s transform this hourly wage into something that has more meaning.
Take out a new sheet of paper and list your ten goals on it. Today, we’re going to make a framework that will enable you to go to work with renewed vigor, because you’ll see the connection directly between your time at work and your dreams.
Under these goals, make a list of each of your debts as well. Part of the journey to your dreams is paying off these debts, so we want to put them each on the list, too.
Under that, add one last item: living expenses. Obviously, even as you work towards your dreams, you’ll still need to cover your daily expenses, such as electricity, food, water, and whatever else is fundamentally important to you.
At the very bottom, write TOTAL and then over on the far right, write the total amount of hours you work in a week that you calculated the day before yesterday.
What we’re going to do is see how many hours we can spend at work each week on each of these items. Once we have this first draft written, you can use it as a life baseline until we refine it later on in the month.
So let’s get started! First thing, until you’re sure how your life will be rebalanced, include 60% of the total hours under the item “living expenses.” For example, let’s say your total hours for a week is 80. You should then include 48 hours next to the living expenses. This may need to be more; we’ll evaluate it more carefully in the next few days.
Now, let’s handle the debts. If you have debts, you should spend 25% of your hours on paying off the debts. For example, if you have 80 hours, you should figure that 20 of them should be used on paying off debts. Note that this is extra debt payments; your basic minimum debt payments are included in the living expenses. When (or if) you have no debts, all of the time going into your debts can go straight to your dreams.
The remaining 15% should be assigned in equal pieces to your dreams. I had 12 hours left, so I gave 1.2 hours to each of my dreams.
So, what’s the point? There are two points. First, if you multiply your hourly rate by the amount assigned to each element, that’s how much you can spend each week on that element. If you’re thinking that this is something like a budget, you’re right in a way, but rather than a list of month-to-month expenses that demand things of you, this is a “dream budget” - a device that lets you follow your goals to achieve your dreams.
Second, it lets you find real goals in your work. This is the truly powerful part of this. So often, we wake up in the morning and trudge into work wishing we were doing anything else. If you realize that some portion of your day is spent working specifically for your dream, it becomes easier. For me, the hardest part of a day is getting ready in the morning; I’d much rather sit down with a cup of joe and check my email than take a shower, get dressed, and take my son to daycare. So for me, the first hour of a given day is an hour I’m working towards one of my goals. While I’m showering or out in the truck on the way to daycare, I remind myself over and over that I’m working solely for the purpose of one of my dreams. I imagine that dream and somehow I feel better about it.
There are two vital lessons that this exercise teaches. First, the various aspects of your life are all connected: your work, your pay, your dreams, and your goals. They’re all tied together in one big picture. Many people often compartmentalize these things and fail to see how they all relate to one another.
Second, it reveals that you can directly connect the work you do every day to your dreams. This is the real power of the exercise, I think. Every single day you go into work, you can tie some of your least favorite tasks directly towards achieving a life goal. It can be the parts that you like the least, or it can be the commute. Just pick a portion of it and, while you’re doing it, remind yourself that you’re doing this action so that you can live in that beautiful house or so that you can travel to Italy with your wife.
Tomorrow, we’ll start breaking this picture down piece by piece, starting with the living expenses. The goal is to create a picture of your life, with the living expenses as merely the frame around a beautiful picture of your dreams.
Ready? Let’s continue on to the next day.
第7天：为梦想工作,不要为金钱工作——31天解决财务问题
The Simple Dollar为您提供一个月的理财计划。你所需要的只是一个开放的头脑和每天一小时的时间。
在过去的一周，我们确定了首要价值观，根据这些来制定新的目标和计划。然后，花了些时间，发现我们的工作时间的确是有效的。今天，我们要将价值观和目标结合起来。
如果你一直在按照计划进行，那么，你可能正在制定一些计划。目前我们并不打算衡量这些计划（毕竟在你得到真实的数据之前，还需要一点时间），但是，你应该意识到，你必须开始节省以实现这些新目标。
然而，秘诀就是，你要为了你的理想而工作，而非为了赚钱而工作。昨天，我们计算了实际小时工资，因此你清楚每工作一个小时能够赚取多少钱。让我们赋予小时工资更多的意义吧。
拿出一张纸，写下你的10个目标。今天，我们要做出一个大体的框架，它将会使你以全新的活力投入工作，因为你可以看到你的工作时间和梦想之间的直接联系。
根据这些目标，列出一个债务清单。实现梦想的其中一个部分就是偿还这些债务，于是，我们也要把每一项负债都列出来。
在这份清单后面加上一项生活支出。显然，即使你是朝着你的梦想工作，可你仍需要支付诸如电费、食物、水之类的日常花销，不管是什么花销，但对你来说都极为重要。
最后，写上合计，在它的右边写上一周工作的小时数，也就是你在第5天计算出来的那个数字。
接下来我们要做的就是，衡量每个目标对应的工作时间。一旦制定好这个表格，我们就得把它当作生活的标准，直到月末重新修正为止。
好了，我们开始吧！首先，直到你确信你的生活将会平衡之前，60%的工作时间都会用来支付“生活开销”。例如，假设你一周工作80个小时。你应该用48个小时的工资来支付日常生活开销。也许需要更多，我们将会在接下来的几天里仔细地评估日常开销。
现在，处理一下债务吧。如果你负债，你应该用工作时间的25%来偿还债务。例如，假设一周工作80个小时，你应该用20个小时的工资来还债。注意，这是额外的债务，你的基本偿还债务都包含在日常开销里。如果没有负债，那么，用于偿还债务的钱都可以用来实现你的梦想。
剩下的15%应该平摊到每个梦想中来。还剩下12个小时，10个梦想，因此每个梦想可以得到1.2个小时的工资。
那么，重点是什么呢？这里有两点。第一，你的时薪乘以平均分配给每个目标的数额，得出的数字就是每星期你能花在梦想上的金额。如果你觉得这实际上是一个预算的话，那你就答对了，但是并不是每月必须花销的费用，而是一个梦想预算——也就是按照目标来实现梦想。
第二，它会帮助你发现工作中的目标。这就是使用小时工资最有用的地方。通常，在我们早上醒来，辛苦地投入工作的时候，希望我们做的一切都是向梦想迈进。如果你发现每天工作的一小部分是为了实现你的梦想，工作就会变得比较轻松。对我来说，一天中最难的部分就是早晨上班前的准备；我更愿意坐下来喝上一杯咖啡，查看电邮，之后再洗个澡，穿好衣服，再送儿子去日托所。当我正在洗澡或是去日托所堵车的途中，我一遍又一遍地提醒自己，今天的工作只是为了实现我众多梦想中的一个。我想像着我的梦想，从某种角度来说，这会让我感觉舒服一点。
本章中有两个重点。首先，各种各样的生活目标都是相互联系的：工作，消费，梦想以及目标都存在着联系。他们都紧紧联系在一起。很多人经常孤立地看待这些事情，看不出它们其实都涉及到另一个。
第二，很明显，你可以直接把每天的工作和梦想联系起来。我认为，这就是为梦想工作最强大之处。工作的每一天，都直接与你的生活目标紧密地联系在一起，喜欢的工作正朝着你的目标前进。至少是你喜欢的一部分，或是全部。当你工作的时候，挑取其中的一个部分，提醒自己，你正在做的工作是为了住上漂亮房子或是为了和妻子一起去意大利旅游。
明天，我们将从生活开销开始，分开来详细介绍。目的是创造一个美好的生活，生活开支仅仅是作为围绕着美好梦想的一个框架。
准备好了吗？明天继续。
