華爾街的賺錢經 第38期:改善經濟狀況 從這些做起(3)

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https://online2.tingclass.net/lesson/shi0529/0009/9452/38.mp3

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Cook at home

在家就餐

I know, it seems more difficult than eating out. But it doesn't have to be hard. Not only is this much cheaper than eating out, it's healthier.

我知道你肯定會說這比下館子麻煩多了。其實，在家做飯并非那么困難。比起外出就餐，自己做飯不但更經濟實惠，還更加健康營養(yǎng)。

Exercise

運動

Staying healthy is the best way to avoid costly medical bills later.

保持強健的體魄等于節(jié)省昂貴的醫(yī)療費。

Use the envelope system

利用信封理財

It's the same idea as using cash for spending, but in addition you use envelopes to split your spending cash into categories. My non-bills categories are groceries, gas and miscellaneous spending. Three envelopes, and when they're empty, I've spent my allotment.

這與使用現(xiàn)金是一個道理，只不過你需要用信封為你的開支分類。我的非支票支出分類如下：日常食品、天然氣和其他雜項支出。當這三個信封一空，我就不再亂花錢了。

Talk with your lover weekly

每周與你的愛人聊聊天

It's important that you and your significant other be on the same page. A weekly meeting of just 20 minutes. Communication is the key.

你的愛人是否與你同步是很重要的。建議你們每周開個20分鐘的小會?？傊瑴贤ㄊ顷P鍵。

The spreadsheet tracker hack

電子記賬法

There are expensive programs like MS Money, Quicken, and the like that will do amazing things with your financial information. There are even free ones, on your desktop or online, that can do all kinds of things.

購買諸如微軟出品的理財通、Ouicken及其他類似軟件是很費錢的，但他們處理各類財務信息的功能也的確是不錯的。你甚至可以從你的軟件庫里或網上，找到具有此類功能的免費安裝程序。