【生活】當你手頭緊的時候，你會使用哪些技巧?_風聞

【來源龍騰網】

評論原創翻譯：

Betterways

Don’t spend money on stupid things - bottled drinks, crap processed food, etc. Learn to cook dishes based on beans. Manicures. Cable TV.

High-cost cell phone plans. Check out Mint Mobile. Buy refurbished. Far cheaper to buy a certified refurbished or last year’s overstock phone and Mint Mobile than using any plan that includes a “free” phone.

Adjust your thermostat and turn things off.

Limit driving. Combine trips.

Shop resale.

Cut your own hair if you can. This is easy for long hair. Easy to trim bangs. And for men with short hair, easy with those electric clippers.

Do not run up credit card bills. If you can’t pay in full, don’t buy it.

Keep your bank balances so you don’t end up paying overdraft fees and the like. IF you can’t then you may need to close the account.

I wouldn’t know much about the bank fee issue as I’ve never been this broke. Partly because I always do the other things I listed.

不要在愚蠢的事物上浪費金錢——比如瓶裝飲料、劣質加工食品等；學習用豆類製作菜餚；避免做美甲和訂閲昂貴的有線電視服務。

選擇低成本的手機套餐，比如Mint Mobile。購買翻新或去年的庫存手機，這比使用那些所謂“免費”手機的計劃要划算得多。

調整你的恆温器温度，並關掉不必要的電器。

儘量減少開車次數，合併出行計劃。

購買二手商品。

如果可能的話，自己剪髮。對於長髮來説，修剪劉海很容易；對於短髮男士，使用電動剪髮器也很簡單。

不要無節制地使用信用卡。如果不能全額支付，就不要購買。

保持銀行賬户餘額充足，避免支付透支費等費用。如果做不到，你可能需要關閉賬户。

我對銀行費用問題不太瞭解，因為我從未如此貧困。部分原因是我總是堅持上述列出的做法。

David Lewis

First, make and stick to a budget. That will make sure that you spend as much money as you can while saving.

Cut out unnecessary expenses, like eating out, and try to cook at home.

Use cashback apps like Rakuten, chaching.me or Honey, all are good ways to save on shopping, adn while it may not give you that much, anything saved makes a difference.

Shop secondhand, avoid using credit cards that you can’t pay off.

Keep yourself entertained cheaply, instead of seeing a movie, go for a walk.

首先，制定預算並嚴格遵守。這樣可以確保你在儲蓄的同時，能有效地使用資金。

削減不必要的開支，比如減少外出就餐，儘量在家做飯。

使用像Rakuten、chaching.me或Honey這樣的返現應用程序，這些都是在購物時節省開支的好方法。雖然節省的金額可能不多，但積少成多。

購買二手商品，若不能還清，就避免使用信用卡

尋找低成本的娛樂方式，比如散步，而不是去看電影。

Dale Raby

Money has always been tight. Here are some of the things that I do:

Stay away from restaurants.

Follow the Mexicans. Shop where they shop.

Keep money in banks that you have to drive to in order to get the money.

If you have a surplus of money… like at tax refund time, buy some gold and/or pay off any outstanding bills. If you don’t have cash on hand, you won’t spend it.

Give any potential wife the paper and pencil test. Give her a piece of paper and a pencil. Tell her to set up a household budget. If she stares at you with a confused expression, pay for her drink and leave. If, however, she draws a “T” on the paper, labels one column “expenses” and the other column “revenue”, then starts asking questions related to income, bills and possibly hard assets if she extends this rudimentary income statement to a balance sheet, that one is a “keeper”.

Don’t buy new cars.

錢一直很緊張，以下是我做的一些事情:

遠離餐館。

向墨西哥人學習，去他們購物的地方購物。

把錢存在必須開車去取錢的銀行。

如果你有額外的資金，比如退税時，購買一些黃金或者還清未結的賬單。如果你手頭沒有現金，就不太可能隨意花錢。

讓潛在的伴侶進行紙筆測試：給她一支筆和一張紙，讓她制定一個家庭預算。如果她顯得困惑，只需為她買杯飲料然後離開。然而，如果她在紙上畫了一個“T”字，將一欄標記為“支出”，另一欄標記為“收入”，並開始詢問與收入、賬單和可能的固定資產相關的問題，表明她能夠將這個基本的收入表擴展到資產負債表，那麼這樣的女人值得珍惜。

不要購買新車。

If the woman looks expensive, she probably is. Shop for wives in places like libraries, grocery stores and maybe churches. Odds are the goods there will be of better overall quality than those you will find in a tavern.

Pay people what they are worth and don’t try to beat them down. Some day, you might need a favor… and service people have long memories.

Don’t get divorced.

Don’t live in New York City or anywhere in California.

Do NOT have a credit card and don’t borrow money.

Learn the difference between wants and needs. You don’t always get what you want in life. Sometimes that is a good thing. Consider the very real possibility that if the woman tells you “no”, she may be doing you a very big favor.

I am not especially wealthy. I don’t own my own home and I have seldom made much more than minimum wage. I live in an old farm house in the country and drive a 2009 Lincoln Town Car. I have few if any outstanding bills. I keep enough cash on hand to handle current expenses and put the rest into long-term investments… not always the ones my financial advisor(s) suggest.

You cannot live on nothing, but you can live on very little. Our ancestors “made do” with what they had. This is something modern people have forgotten how to do.

如果一位女性看起來生活奢侈，她很可能確實如此。你應該在圖書館、雜貨店或者教堂等地方尋找未來的伴侶。在這些地方，你遇到的人在整體素質上可能比在酒吧裏找到的要高。

要公平地支付人們應得的報酬，不要試圖貶低或剝削他們。因為在未來，你可能需要他們的幫助——記住，服務行業的人員記憶力很好。

避免離婚。

不要住在紐約市或加州的任何地方。

不要有信用卡，也不要借錢。

學會區分想要的東西和真正需要的東西。在生活中，你並不總是能得到你想要的，有時這其實是好事。考慮一下，如果一個女人拒絕了你，她可能在幫你一個大忙。

我不是特別富有。我沒有自己的房子，我的收入很少超過最低工資。我住在鄉下的一所老農舍裏，開着一輛2009年的林肯·城市 ，我幾乎沒有未付的賬單。我手頭有足夠的現金來應付日常開支，剩下的錢用於長期投資，但並不總是像我的財務顧問建議的那樣。

人不可能不花分文地生活，但你確實可以靠非常少的錢過日子。我們的祖先懂得如何“將就”使用他們所擁有的資源。這是現代人已經漸漸忘卻的一種生活智慧。

Lisa Dawson

What are some tips that you use when money is tight?

When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.

Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.

當你手頭緊的時候，你會使用哪些技巧?

當你登錄到銀行賬户時，你的儲蓄看起來如何？可能不像你希望的那樣好。積累(並保持)一筆可觀的儲蓄似乎總是一場艱苦的戰鬥。

但如果你的車壞了，或者你突然有一筆醫藥費該付該怎麼辦?

我們不是在評頭論足——我們不會那樣做。我們是來幫助你的。我們只是不希望你為了付一些糟糕的水暖費而不得不賣掉你繼承的貓王簽名的天鵝絨褲子，那條褲子真漂亮。