The turning of the calendar is both arbitrary and powerful. Each day is just another day, but when the year resets we feel like the slate is cleaned and we can begin anew。

日歷的更迭看似無意卻又意義重大。日子一天天地過去，但新的一年到來時，我們的感覺卻是翻開了全新的一頁，可以重新開始。

Here are five ideas to help you get a good start for 2010--not just a new year, but the start of a new decade。

以下五點建議可以幫助你在2011年有個良好的開端，不只為新的一年，而且為下一個新的10年。

1. Set up a savings plan. 制定攢錢計劃

Ever since the financial tsunami swept all before it in September 2008, many people have saved furiously. That's a good thing, but there's a temptation to lose that discipline once the storm clouds start to break.


自2008年9月金融海嘯將一切席卷一空以來，很多人都在瘋狂地攢錢。這是好事，不過一旦風暴的陰云開始消散，這樣的自律就可能喪失。

While the economy remains fragile and many people are still out of work, signs of recovery are becoming more and more apparent. Among your New Year's resolutions include a savings goal that is a function of your regular income, even if it's not a large amount of money. Maintaining the discipline is crucial. The amount of savings can grow over time.

盡管經濟依然脆弱，很多人仍待業(yè)家中，復蘇的跡象卻變得越來越清晰。在你的新年決心中，制定一個攢錢的目標，與你的固定收入掛鉤，即使攢下的每筆錢并不很多。保持自律非常重要。攢下的錢能隨著時間的推移而增長。

2. Build a rainy-day fund. 建立一個應急基金

Advice on how to save for retirement or your kids' college is plentiful. Less plentiful is guidance on what kind of rainy-day fund you should have.

有關如何為退休和孩子上大學攢錢有很多的建議。但對于應該建立哪種應急基金卻少有人提及。

A rainy-day fund, which your savings plan can feed, should cover about six months of income. It's a form of personal insurance, valuable in these rapidly changing times.

應急基金的錢可以來自你的攢錢計劃。它應該相當于約六個月的收入。這是個人保險的一種形式，在眼下這種迅速變化的時代非常重要。

This fund should be kept in safe and easy-to-tap assets. Laddering certificates of deposit out six months is one way.

這筆錢應該放在安全且容易變現的資產中。存入六個月的階梯式定期存款是一種方法。

That means buying CDs of one month, two months, etc. to six months. As each CD matures you buy another six-month CD to keep the ladder inplace.

也就是說存入一個月、兩個月……直到六個月的定期存款。每筆定期存款到期的時候，你就再開通一筆六個月的定期存款，以便保持階梯式存款的延續(xù)。