学习理财,超简单的16个小办法

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）我剪掉自己的头发。我花20美元买了一个电推剪（buzzer），用了有差不多一年时间。我过去每个月都要剪一次头发，每次花20美元（包括小费，还不包括我去理发店的汽车燃油费，更别说浪费的宝贵时间了）。因此我我节省了一年11次理发的花费。对我的3个儿子我也同样这样，节省了另外36次理发费用（每次10美元）。每年节省：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）拒绝有线电视。我们看DVD碟片，或者阅读。我不花费很多钱在买DVD上（特别是每个月人并不多）。有线电视每个月收费65美元。每年节省：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）成为绝对素食主义者。我要吃很多新鲜的水果和蔬菜，那些花费，当然，那是要取决于你是绝对素食主义者、素食者还是肉食者，因此我并没有计算那些额外的花费。最主要是比较肉、和我食用的蛋白质替代品。我的大部分蛋白质来自豆腐，尽管我的确吃黄豆和酱油比如绞碎的牛肉或者酱油汉堡。总的来说，我相信每天我不吃肉的话节省了2-3美元。每年节省：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。我过去是健身房的一名成员。使用它并不多，却仍然要付一整年的费用。现在我做大量的运动，但是我却是在家或马路上。我可以在我的卧室里一直做锻炼或者慢跑（也可以过会儿去骑自行车兜风和游泳）。每年节省：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）很少去看电影。我过去至少每周出去看一场电影，有时候还多一些。每到另外一周我都慢慢去实现，现在我甚至一个月都不去看一次。现在我带着孩子们去公园或者出去做更多有趣的和创造性的事情。我计算这样每周我至少节省15美元，特别是当你把我孩子的票和优惠票也纳入进来计算会更多。每年节省：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）戒烟。我戒了有一年多。过去我一天一包烟，架上一瓶饮料、一杯茶或者一杯咖啡和给结交朋友给的香烟，每天节省大约5美元。每年节省：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。我从来不喝酒，真的，也许除了在大学的那会了。但是对于有些人，喝酒是主要的花费。为了计算的方便，我合计一天1-2瓶啤酒。每年节省：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）从来不外出。我不去俱乐部、剧场、芭蕾舞剧和歌剧院。我猜我并不是那种类型的人。每年节省：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，我是一个绝对素食主义者，一个跑步者，而且我不喝酒更不吸烟。我从来去不看医生，也许是因为我保持这种生活方式，得许多常见病的可能性比较低。每年节省：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）不去购物。我过去经常去购物商城闲逛一下。这非常方便，而且可以看到很多美好的东西，可以去美食街。对我们来说美食街每人得花费30美元，如果我们在买一些东西的话可能又要花25-75美元。（Cha-ching）现在我几乎从来不去商场了，总之我讨厌它。如果我需要一些东西的时候我只去超市（the mall or Kmart ），甚至我试着最好去避免不要。每年节省：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）只要有一辆车。我们是一对结婚夫妇有六个孩子，足球培训，合唱班，学校运动会，很多很多家庭聚会，赛跑项目，武术，还有很多。但是我们只乘坐一辆车。我们指望得到一个二手的省油的搬货车，我们打算至少一周骑几次自行车上下班。每年节省：不清楚，但是或许有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）带上自己的午餐。我的同事每天都出去吃，每顿午餐要花费8-20美元。我带上剩的饭菜或一片三明治、水果、椒盐脆饼干和零食。大概才花不到5美元。每年节省：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）不订阅杂志或报纸。过去我订阅过报纸。现在我上网看或工作看。我过去订阅1-2份杂志。现在我在网上阅读。每年节省：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）很少买新衣服。我的衣服和鞋子一直要穿到破了为止。不信去问我老婆和孩子。每年节省：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）从来不旅游。我比较喜欢旅游。但那是当我还清债务并且我储蓄账户比较丰满的时候我才会去旅游。然而现在，我还是放弃吧。我认识的其他人至少一年旅行一次。每年节省：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。过去我每天一瓶牛奶。每瓶大约花4美元。有时候我还得两瓶。现在我只和自己咖啡。每年节省：1,000美元。

（翻译：译言网）