學習理財,超簡單的16個小辦法

1) I cut my own hair. I bought a $20 buzzer, and it lasts about a year. I used to get a haircut every month, at a cost of $20 (including tip, not including gas money to get there and valuable time spent there). So I save the cost of about 11 haircuts a year. I do the same for my three sons, saving another 36 haircuts (at $10 each). Annual savings: $580.
1）我剪掉自己的頭髮。我花20美元買了一個電推剪（buzzer），用了有差不多一年時間。我過去每個月都要剪一次頭髮，每次花20美元（包括小費，還不包括我去理髮店的汽車燃油費，更別說浪費的寶貴時間了）。因此我我節省了一年11次理髮的花費。對我的3個兒子我也同樣這樣，節省了另外36次理髮費用（每次10美元）。每年節省：580美元。

2) No Cable TV. We watch DVDs, or read. I don’t spend much on DVDs either (probably less than most people, per month). Cable costs about $65/month. Annual savings: $780.
2）拒絕有線電視。我們看DVD碟片，或者閱讀。我不花費很多錢在買DVD上（特別是每個月人並不多）。有線電視每個月收費65美元。每年節省：780美元。

3) Became vegan. I eat a lot of fresh fruits and veggies, which are expensive, sure, but you are supposed to eat those whether you’re vegan, vegetarian or a carnivore, so I don’t count those as extra expenses. The real comparison is between meat, and the protein substitutes I use. Most of my protein comes from tofu, although I do eat beans and soy protein such as fake ground beef or soy burgers. Overall I believe I save about $2-3 per day not eating meat. Annual savings: $900.
3）成爲絕對素食主義者。我要吃很多新鮮的水果和蔬菜，那些花費，當然，那是要取決於你是絕對素食主義者、素食者還是肉食者，因此我並沒有計算那些額外的花費。最主要是比較肉、和我食用的蛋白質替代品。我的大部分蛋白質來自豆腐，儘管我的確吃黃豆和醬油比如絞碎的牛肉或者醬油漢堡。總的來說，我相信每天我不吃肉的話節省了2-3美元。每年節省：900美元。

4) Don’t use the gym. I used to be a member of a gym. Didn’t use it much, and still got charged for a full year. Now I get a lot of exercise, but I do it at home and on the road. I do strength exercises in my living room and jog (and will soon start cycling and swimming). Annual savings: $420.
4）不使用健身房。我過去是健身房的一名成員。使用它並不多，卻仍然要付一整年的費用。現在我做大量的運動，但是我卻是在家或馬路上。我可以在我的臥室裏一直做鍛鍊或者慢跑（也可以過會兒去騎自行車兜風和游泳）。每年節省：420美元。

5) Rarely go to the movies. I used to go out to the movies at least once a week, and sometimes more. I slowly made it every other week, and now I don’t even go once a month. Now we take the kids to the park or out to do something more fun and creative. I figger this saves me at least $15 per week, although it’s probably more when you factor in the cost of my kids’ tickets, and concessions. Annual savings: $780.
5）很少去看電影。我過去至少每週出去看一場電影，有時候還多一些。每到另外一週我都慢慢去實現，現在我甚至一個月都不去看一次。現在我帶着孩子們去公園或者出去做更多有趣的和創造性的事情。我計算這樣每週我至少節省15美元，特別是當你把我孩子的票和優惠票也納入進來計算會更多。每年節省：780美元。

6) Quit smoking. I quit over a year ago. I smoked a pack a day, plus a soda or tea or coffee to go with the cigarettes, at a cost of about $5 per day. Annual savings: $1,825.
6）戒菸。我戒了有一年多。過去我一天一包煙，架上一瓶飲料、一杯茶或者一杯咖啡和給結交朋友給的香菸，每天節省大約5美元。每年節省：1,825美元。

7) Don’t drink much. I never did, really, except maybe in college. But for some people, drinking is a major expense. A beer or two a day can add up, and for the sake of these calculations, I’ll count it. Annual savings: $800.
7）不喝太多酒。我從來不喝酒，真的，也許除了在大學的那會了。但是對於有些人，喝酒是主要的花費。爲了計算的方便，我合計一天1-2瓶啤酒。每年節省：800美元。

8) Never go out. I don’t go to clubs, or the theater, or ballet, or opera. I guess I’m just not that type of person. Annual savings: maybe $500.
8）從來不外出。我不去俱樂部、劇場、芭蕾舞劇和歌劇院。我猜我並不是那種類型的人。每年節省：大概500美元。

9) Stay healthy. As mentioned above, I’m a vegan, a runner, and I don’t drink or smoke anymore. I never go to the doctor, and if I keep up this lifestyle, my likelihood of getting the most common diseases are greatly lowered. Annual savings: probably $1,200.
9）保持健康。如上所述，我是一個絕對素食主義者，一個跑步者，而且我不喝酒更不吸菸。我從來去不看醫生，也許是因爲我保持這種生活方式，得許多常見病的可能性比較低。每年節省：大概1,200美元。

10) Don’t go shopping. We used to hang out at the mall a lot. It was convenient, and had a lot of great stuff to look at, and a food court. The food court alone costs $30 for us, and if we bought stuff that would be another $25-75. Cha-ching. Now I rarely ever, ever, ever go to the mall. I hate it anyway. I only go to the mall or Kmart if I need something, and even then I try my best to avoid it. Annual savings: probably $2,600.
10）不去購物。我過去經常去購物商城閒逛一下。這非常方便，而且可以看到很多美好的東西，可以去美食街。對我們來說美食街每人得花費30美元，如果我們在買一些東西的話可能又要花25-75美元。（Cha-ching）現在我幾乎從來不去商場了，總之我討厭它。如果我需要一些東西的時候我只去超市（the mall or Kmart ），甚至我試着最好去避免不要。每年節省：大概2,600元。

11) Have only one car. We are a married couple with six kids, soccer practice, choir, school functions, many many family gatherings, running events, martial arts, and much more. But we get by on one car. We are looking to get a used van with better fuel economy, and I am going to start commuting at least a few times a week by bike. Annual savings: unknown, but perhaps $5,000.
11）只要有一輛車。我們是一對結婚夫婦有六個孩子，足球培訓，合唱班，學校運動會，很多很多家庭聚會，賽跑項目，武術，還有很多。但是我們只乘坐一輛車。我們指望得到一個二手的省油的搬貨車，我們打算至少一週騎幾次自行車上下班。每年節省：不清楚，但是或許有5,000美元吧。

12) Bring my own lunch. My co-workers eat out every day, at a cost of $8-20 per lunch. I bring leftovers or a sandwich and fruits and pretzels and stuff. At a cost of probably less than $5. Annual savings: $1,800.
12）帶上自己的午餐。我的同事每天都出去吃，每頓午餐要花費8-20美元。我帶上剩的飯菜或一片三明治、水果、椒鹽脆餅乾和零食。大概才花不到5美元。每年節省：1,800美元

13) No magazine or newspaper subscriptions. I used to have the paper delivered. Now I read it online or at work. I used to subscribe to 1-2 magazines. Now I read the Internet. Annual savings: $360.
13）不訂閱雜誌或報紙。過去我訂閱過報紙。現在我上網看或工作看。我過去訂閱1-2份雜誌。現在我在網上閱讀。每年節省：360美元。

14) Rarely buy new clothes. I use my clothes and shoes until they are threadbare. Really. Ask my wife and kids. Annual savings: maybe $400.
14）很少買新衣服。我的衣服和鞋子一直要穿到破了爲止。不信去問我老婆和孩子。每年節省：可能400美元吧。

15) Never travel. I would like to travel. When I am out of debt and my savings accounts are nice and healthy, I will travel. But for now, I skip it. Others I know take at least a trip per year. Annual savings: $1,500.
15）從來不旅遊。我比較喜歡旅遊。但那是當我還清債務並且我儲蓄賬戶比較豐滿的時候我纔會去旅遊。然而現在，我還是放棄吧。我認識的其他人至少一年旅行一次。每年節省：1,500美元。

16) No more lattes. I used to get a latte every day. At a cost of about $4 per latte. Sometimes I’d get two. Now I make my own coffee. Annual savings: about $1,000.
16）不喝太多牛奶。過去我每天一瓶牛奶。每瓶大約花4美元。有時候我還得兩瓶。現在我只和自己咖啡。每年節省：1,000美元。

（翻譯：譯言網）