手機(jī)版
When it comes to putting more money in yourpocket, there are two ways to do it: earn more or spend less.
談到多存錢時(shí)，途徑有兩個(gè)：多賺、少花。
即使你現(xiàn)在無(wú)法獲得更多的收入，在日常支出方式上作一些調(diào)整也能讓你受益無(wú)窮。
Even if you aren't in a position to earn more at the moment, a few little spendingadjustments made on a daily basis can go a long way.
為自己下廚做準(zhǔn)備。外出就餐常會(huì)花掉大量的錢。
1.Plan out and cook your ownmeals. Dining out often is a huge money drain.
清理冰箱和食品柜。你會(huì)發(fā)現(xiàn)被你遺忘掉的好東西。
批量購(gòu)買日常需要購(gòu)買的東西。
2. Clean out your fridge andpantry. You'll find good food you didn't know you had.
3. Buy in bulk the things you wouldnormally buy. You'll get more for your buck.
4. Opt for non-canned goods. Freshproduce and dried beans are typically cheaper and healthier than canned items.—BellabitchTheStrange
5. Use coupons.
6. Try the grocery store brand. If you like the taste, stick withit, and you'll save money.
7. Stop buying microwave dinners. Themark-ups are crazy. You could make better, healthier meals for less.
8. Don't buy more groceries than youactually need or can keep.
選擇非罐裝食品。生鮮農(nóng)產(chǎn)品和干豆通常都比罐裝食品更加便宜和健康。
9. Use a slow cooker. Throw in someveggies, beans, and meat, and you'll have lunches and dinners for the wholeweek.
10. Make your own coffee.
11. Bring your lunch to work. You'llcut your lunch tab in half or more by making it yourself.
12. Stop buying bottled water.
13. Don't go out to drink. Drinks withdinner can add $10 or more a person, and a night at the bar can easily cost$40.
使用優(yōu)惠券。
去雜貨店購(gòu)物。如果你喜歡這種風(fēng)格，那就堅(jiān)持，可以省錢的。
別再購(gòu)買微波爐晚餐了，價(jià)格高得驚人。你可以花更低的成本做出更營(yíng)養(yǎng)、更健康的食物。
14. Avoid your favorite stores.
15. Track your expenses for a month.
不要購(gòu)買超出實(shí)際需求或不好儲(chǔ)備的食品。
16. Set goals. If you have a plan tostock money away in an emergency fund, for example, you'll think twice aboutspending on superfluous things.
17. Buy quality items. If you skimp onthe important things, you may spend more in the long run. For instance,spending $30 on shoes every six months costs more than spending $60 on a pairthat lasts years.
18. Think of your spending in hours insteadof dollars. If you make $10 an hour, then that $2 cup of coffee is 12 minutes of your life. You may decide it's not worth it.
19. Compare prices online.
20. Before you buy something, ask yourself:What impact is this purchase going to have on my life? That can put an endto impulse spending.
21. Change how often you spend onindulgences.
使用慢燉鍋。將蔬菜、豆類和肉類食品都扔進(jìn)鍋里，一整周的午餐、晚餐就都準(zhǔn)備好了。
22. Put half of your paycheck intosavings.
23. Always pay off your credit card at theend of every month.
自制咖啡。
24. Set up auto transfers on your bills soyou're never late. Late fees are a waste.
上班自帶午餐。自己做飯能省下一半甚至更多的午餐費(fèi)用。
別再購(gòu)買瓶裝水。
25.Opt out of overdraft protection.
不要外出暢飲。晚餐加上飲料會(huì)讓你多花費(fèi)10美元以上，酒吧一夜就能輕易地讓你掏出40美元。
繞過(guò)你最喜歡的商店。
26. Before you buy something on sale, askyourself: If you're just buying something because it's on sale, youprobably don't really need it.
記錄你一個(gè)月的開(kāi)銷。
設(shè)立目標(biāo)。比如，如果你有計(jì)劃存錢應(yīng)對(duì)不時(shí)之需，那你就需要在購(gòu)買不必要的東西前三思。
購(gòu)買有質(zhì)量的物品。如果你在購(gòu)買重要物品時(shí)省不得花錢，從長(zhǎng)遠(yuǎn)來(lái)看，你的開(kāi)銷可能更大。比如，每半年花30美元買雙鞋子比花60美元買雙更耐穿的鞋子費(fèi)用更高。
27. Spend your money where you spend yourtime, and cut the rest. If you're a runner, you need good shoes.
28. Wait at least two days before buyinganything over $50. You may no longer want it or forget it altogether.
以計(jì)時(shí)的方式支出，而非只看金額。如果你每小時(shí)的收入是10美元，那么一杯2美元咖啡的成本就是你生命的12分鐘。你可能就會(huì)覺(jué)得不值得。
上網(wǎng)對(duì)比商品的價(jià)格。
29. Cancel magazine and newspapersubscriptions you don't read.
30. Wear a sweater in the house, and turndown the heat a couple of degrees. Over time, you'll save on electricity.
在買單前問(wèn)下自己：購(gòu)買這個(gè)商品會(huì)對(duì)我的生活帶來(lái)什么變化？這樣就能避免一時(shí)沖動(dòng)了。
改變隨興購(gòu)物的習(xí)慣。
存下一半的薪水。
總會(huì)在每個(gè)月月底還清信用卡。
在票據(jù)上創(chuàng)建登記自動(dòng)轉(zhuǎn)賬功能。交滯納金是一種浪費(fèi)。
退出透支保障。
31. Rethink your cell phone plan. Switchingto StraightTalk or a similar plan could significantly drop your bill.
在購(gòu)買廉價(jià)出售的商品前問(wèn)下自己：如果你只是因?yàn)榱畠r(jià)出售就購(gòu)買這些商品的話，你可能不見(jiàn)得有這個(gè)需要。
32. Frequent the library. Get books,movies, and music for free.
把錢花在占用你時(shí)間的方面，但省下其他方面的花費(fèi)。如果你常跑步，那你就需要好的鞋子。
需要購(gòu)買價(jià)格超過(guò)50美元的東西時(shí)，過(guò)至少兩天再做決定。你可能不再需要，也有可能完全忘了這件事。
取消訂購(gòu)你不會(huì)去看的雜志和報(bào)紙。
在房間里穿上毛衣，然后將暖氣調(diào)低幾度。久而久之，你就能省下電。
反思用手機(jī)的方式。有話直說(shuō)或類似的方式可以讓你大幅節(jié)省話費(fèi)。
常去圖書館。免費(fèi)獲取圖書、電影和音樂(lè)資源。
33. Buy your clothes from the thriftstore. Chances are, no one will be able to tell the difference.
34. Ride your bike to work. Not onlywill you save on car or public transportation costs, you'll be healthier.
到二手店買衣服。有可能沒(méi)有人能看出有什么不同。
談到多存錢時(shí)，途徑有兩個(gè)：多賺、少花。
即使你現(xiàn)在無(wú)法獲得更多的收入，在日常支出方式上作一些調(diào)整也能讓你受益無(wú)窮。
Even if you aren't in a position to earn more at the moment, a few little spendingadjustments made on a daily basis can go a long way.
為自己下廚做準(zhǔn)備。外出就餐常會(huì)花掉大量的錢。
1.Plan out and cook your ownmeals. Dining out often is a huge money drain.
清理冰箱和食品柜。你會(huì)發(fā)現(xiàn)被你遺忘掉的好東西。
批量購(gòu)買日常需要購(gòu)買的東西。
2. Clean out your fridge andpantry. You'll find good food you didn't know you had.
3. Buy in bulk the things you wouldnormally buy. You'll get more for your buck.
4. Opt for non-canned goods. Freshproduce and dried beans are typically cheaper and healthier than canned items.—BellabitchTheStrange
5. Use coupons.
6. Try the grocery store brand. If you like the taste, stick withit, and you'll save money.
7. Stop buying microwave dinners. Themark-ups are crazy. You could make better, healthier meals for less.
8. Don't buy more groceries than youactually need or can keep.
選擇非罐裝食品。生鮮農(nóng)產(chǎn)品和干豆通常都比罐裝食品更加便宜和健康。
9. Use a slow cooker. Throw in someveggies, beans, and meat, and you'll have lunches and dinners for the wholeweek.
10. Make your own coffee.
11. Bring your lunch to work. You'llcut your lunch tab in half or more by making it yourself.
12. Stop buying bottled water.
13. Don't go out to drink. Drinks withdinner can add $10 or more a person, and a night at the bar can easily cost$40.
使用優(yōu)惠券。
去雜貨店購(gòu)物。如果你喜歡這種風(fēng)格，那就堅(jiān)持，可以省錢的。
別再購(gòu)買微波爐晚餐了，價(jià)格高得驚人。你可以花更低的成本做出更營(yíng)養(yǎng)、更健康的食物。
14. Avoid your favorite stores.
15. Track your expenses for a month.
不要購(gòu)買超出實(shí)際需求或不好儲(chǔ)備的食品。
16. Set goals. If you have a plan tostock money away in an emergency fund, for example, you'll think twice aboutspending on superfluous things.
17. Buy quality items. If you skimp onthe important things, you may spend more in the long run. For instance,spending $30 on shoes every six months costs more than spending $60 on a pairthat lasts years.
18. Think of your spending in hours insteadof dollars. If you make $10 an hour, then that $2 cup of coffee is 12 minutes of your life. You may decide it's not worth it.
19. Compare prices online.
20. Before you buy something, ask yourself:What impact is this purchase going to have on my life? That can put an endto impulse spending.
21. Change how often you spend onindulgences.
使用慢燉鍋。將蔬菜、豆類和肉類食品都扔進(jìn)鍋里，一整周的午餐、晚餐就都準(zhǔn)備好了。
22. Put half of your paycheck intosavings.
23. Always pay off your credit card at theend of every month.
自制咖啡。
24. Set up auto transfers on your bills soyou're never late. Late fees are a waste.
上班自帶午餐。自己做飯能省下一半甚至更多的午餐費(fèi)用。
別再購(gòu)買瓶裝水。
25.Opt out of overdraft protection.
不要外出暢飲。晚餐加上飲料會(huì)讓你多花費(fèi)10美元以上，酒吧一夜就能輕易地讓你掏出40美元。
繞過(guò)你最喜歡的商店。
26. Before you buy something on sale, askyourself: If you're just buying something because it's on sale, youprobably don't really need it.
記錄你一個(gè)月的開(kāi)銷。
設(shè)立目標(biāo)。比如，如果你有計(jì)劃存錢應(yīng)對(duì)不時(shí)之需，那你就需要在購(gòu)買不必要的東西前三思。
購(gòu)買有質(zhì)量的物品。如果你在購(gòu)買重要物品時(shí)省不得花錢，從長(zhǎng)遠(yuǎn)來(lái)看，你的開(kāi)銷可能更大。比如，每半年花30美元買雙鞋子比花60美元買雙更耐穿的鞋子費(fèi)用更高。
27. Spend your money where you spend yourtime, and cut the rest. If you're a runner, you need good shoes.
28. Wait at least two days before buyinganything over $50. You may no longer want it or forget it altogether.
以計(jì)時(shí)的方式支出，而非只看金額。如果你每小時(shí)的收入是10美元，那么一杯2美元咖啡的成本就是你生命的12分鐘。你可能就會(huì)覺(jué)得不值得。
上網(wǎng)對(duì)比商品的價(jià)格。
29. Cancel magazine and newspapersubscriptions you don't read.
30. Wear a sweater in the house, and turndown the heat a couple of degrees. Over time, you'll save on electricity.
在買單前問(wèn)下自己：購(gòu)買這個(gè)商品會(huì)對(duì)我的生活帶來(lái)什么變化？這樣就能避免一時(shí)沖動(dòng)了。
改變隨興購(gòu)物的習(xí)慣。
存下一半的薪水。
總會(huì)在每個(gè)月月底還清信用卡。
在票據(jù)上創(chuàng)建登記自動(dòng)轉(zhuǎn)賬功能。交滯納金是一種浪費(fèi)。
退出透支保障。
31. Rethink your cell phone plan. Switchingto StraightTalk or a similar plan could significantly drop your bill.
在購(gòu)買廉價(jià)出售的商品前問(wèn)下自己：如果你只是因?yàn)榱畠r(jià)出售就購(gòu)買這些商品的話，你可能不見(jiàn)得有這個(gè)需要。
32. Frequent the library. Get books,movies, and music for free.
把錢花在占用你時(shí)間的方面，但省下其他方面的花費(fèi)。如果你常跑步，那你就需要好的鞋子。
需要購(gòu)買價(jià)格超過(guò)50美元的東西時(shí)，過(guò)至少兩天再做決定。你可能不再需要，也有可能完全忘了這件事。
取消訂購(gòu)你不會(huì)去看的雜志和報(bào)紙。
在房間里穿上毛衣，然后將暖氣調(diào)低幾度。久而久之，你就能省下電。
反思用手機(jī)的方式。有話直說(shuō)或類似的方式可以讓你大幅節(jié)省話費(fèi)。
常去圖書館。免費(fèi)獲取圖書、電影和音樂(lè)資源。
33. Buy your clothes from the thriftstore. Chances are, no one will be able to tell the difference.
34. Ride your bike to work. Not onlywill you save on car or public transportation costs, you'll be healthier.
到二手店買衣服。有可能沒(méi)有人能看出有什么不同。
