一、制定攒钱计划在你的新年计划中,确定一个攒钱目标,并使之与你的固定收入挂钩,即使攒下的每笔钱并不很多,但保持自律非常重要。攒下的钱能随着时间的推移而增长。二、建立一个应急基金有关如何为退休和孩子上大学攒钱有很多的建议,但说的较少的是应该建立哪种应急基金。应急基金的钱可以来自你的攒钱计划,它应该相当于约6个月的收入。这是个人保险的一种形式,在眼下这种迅速变化的 First, the development of saving plan In your New Year plan, to determine a goal of saving money, and make it fixed income linked to you, even save every sum of money is not much, but to maintain self-discipline is very important. The money saved can grow over time. Second, the establishment of a contingency fund How to save money for retirement and children have a lot of advice, but said less should be established what kind of contingency fund. Emergency fund money can come from your saving plan, which should be equivalent to about 6 months of income. This is a form of personal insurance that is changing rapidly