5. Plan to reward yourself. 奖励自己

New Year's resolutions usually don't stick and a big reason is that it's all like eating sawdust. Go on a diet, save money, don't spend. We start the year like ascetic monks and by February we discover that the monastic life isn't for us.

新年决心常常无法坚持下去，一个主要原因是这个过程味如嚼。节食、攒钱、不花钱。我们以苦行僧的姿态开始了新的一年，而到2月份之前，却发现这种生活并不适合我们。

Therefore, it's important to have one resolution that is fun. A little sugar with the vinegar.

因此，制定一个有趣的新年决心很重要。要学会苦中作乐。

For myself, it means saving up money for a special family trip later this year. This saving is in addition to the savings plan established in the first resolution.

对我自己来说，这意味着为今年晚些时候的家人特别出游攒钱。这是在第一个决心中的攒钱计划之外的。

If we keep the first four resolutions, we'll reward ourselves for getting the new decade off to a good financial start.

如果我们坚持前四个决心，就可以为给未来10年打下一个良好的财务开端奖励自己了

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