并给一个传统上总是依赖当天收入生活的社区带来了储蓄的习惯。
They have also introduced the habit of saving to a community, which has traditionally always lived for the day.
养成储蓄的习惯。每个月都自动地把你活期存款户头上的一小笔钱转到你的储蓄存款户头上，比如5至10美元。
Make savings a habit. Every month, have a small amount–say $5 to $10–automatically transferred from your checking account to a savings account.
中国要实现扩大内需的目标并不容易，一个问题是人们可能手上没钱，另一个问题是中国人有储蓄的习惯而不愿意消费。
In China, it's not easy to achieve the target of expanding the domestic consumptions. One problem is that people may not have money.
个人储蓄通常是通过节俭的生活习惯积累起来的，这需要整个家庭做出牺牲，因此是长期家庭财务行为的产物。
Personal savings have been accumulated, often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior.
这一需求已经下降而且可能在今后几年都很低，因为美国人将会调整他们的消费和储蓄习惯。
That appetite has fallen and is likely to remain low for years, as American consumers adjust their spending and savings habits.
事实上，延后满足所需要的自我控制，不仅仅与良好的储蓄习惯相关。 它也与其他事情相关，比如在学校取得成功，以及更好地应对挫折和压力。
Indeed, the self-control needed to delay gratification is associated not only with good saving habits, but also with things like succeeding in school and coping better with frustration and stress.
削减债务：我把这个目标转变成了几个习惯，其中包括制订每月的支出计划，学会执行支出计划，确定必须的债务储蓄支出。
Debt reduction: I turned this goal into a few different habits, including creating a monthly spending plan, learning to stick to the spending plan, and making automatic debt and savings payments.
储蓄习惯对储蓄率变化的驱动力与借贷是相同的。
Changes in the savings ratio are driven as much by borrowing as by saving habits.
互联网主要覆盖了发达国家，或者是穷国中的富人，而且还已经影响了人们的消费，储蓄习惯，改变了人们听音乐，看新闻和社交行为。
The Internet has mostly touched rich countries, and rich people in poor countries, but has already changed the way people shop, bank, listen to music, read news and socialise.
投资决策的目的，第二种人并不关心。调查他们的消费习惯，关心他们的储蓄率根本就是浪费时间。
And for the purposes of investment decisions, the second group didn't matter; tracking its spending habits or worrying over its savings rate was a waste of time.
如果我们想积累财富，要做的就是养成健康的储蓄习惯，外加有一点点时间。
We should cultivate a healthy saving habit and spend some time on it if we want to increase our fortune.
现在在这么精细的控制水平下，语言的时态特点是否还会影响到储蓄习惯？
Now even after all of this granular level of control, do futureless language speakers seem to save more?
接下来最重要的事就是储蓄，如果你以前没有一点存款的习惯，那就从这一小笔存款开始。
The next most important step you can take, in the beginning, is to start a small savings account if you haven't already.
由于惯性的作用，许多人不去开立401 (k)账户，现在已经用来为其培养储蓄的好习惯。
Where inertia has often kept people from opening a 401 (k) account, now it's being used to nurture good savings habits.
本文发现当外部习惯形成影响存在时，经济增长会对储蓄率的变动有正向作用，消费者的自身消费具有负的社会效应。
Especially when there only exists external habit formation, an increase in the growth of the economy has a positive effect on saving rate.
少消费多储蓄是美国减少经常帐户赤字所需的，但是由于美国家庭多年来已经习惯了大量开支，这将会很痛苦。
Less spending and more saving is just what America needs to reduce its current-account deficit, but for American households used to years of plenty it will hurt.
跟他们解释，只要养成储蓄习惯，这就会是可能的。
Explain that this will be possible in the future if they have developed the habit of saving.
跟他们解释，只要养成储蓄习惯，这就会是可能的。
Explain that this will be possible in the future if they have developed the habit of saving.
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