【生活】当你手头紧的时候，你会使用哪些技巧?_风闻

【来源龙腾网】

评论原创翻译：

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费金钱——比如瓶装饮料、劣质加工食品等；学习用豆类制作菜肴；避免做美甲和订阅昂贵的有线电视服务。

选择低成本的手机套餐，比如Mint Mobile。购买翻新或去年的库存手机，这比使用那些所谓“免费”手机的计划要划算得多。

调整你的恒温器温度，并关掉不必要的电器。

尽量减少开车次数，合并出行计划。

购买二手商品。

如果可能的话，自己剪发。对于长发来说，修剪刘海很容易；对于短发男士，使用电动剪发器也很简单。

不要无节制地使用信用卡。如果不能全额支付，就不要购买。

保持银行账户余额充足，避免支付透支费等费用。如果做不到，你可能需要关闭账户。

我对银行费用问题不太了解，因为我从未如此贫困。部分原因是我总是坚持上述列出的做法。

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，制定预算并严格遵守。这样可以确保你在储蓄的同时，能有效地使用资金。

削减不必要的开支，比如减少外出就餐，尽量在家做饭。

使用像Rakuten、chaching.me或Honey这样的返现应用程序，这些都是在购物时节省开支的好方法。虽然节省的金额可能不多，但积少成多。

购买二手商品，若不能还清，就避免使用信用卡

寻找低成本的娱乐方式，比如散步，而不是去看电影。

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.

钱一直很紧张，以下是我做的一些事情:

远离餐馆。

向墨西哥人学习，去他们购物的地方购物。

把钱存在必须开车去取钱的银行。

如果你有额外的资金，比如退税时，购买一些黄金或者还清未结的账单。如果你手头没有现金，就不太可能随意花钱。

让潜在的伴侣进行纸笔测试：给她一支笔和一张纸，让她制定一个家庭预算。如果她显得困惑，只需为她买杯饮料然后离开。然而，如果她在纸上画了一个“T”字，将一栏标记为“支出”，另一栏标记为“收入”，并开始询问与收入、账单和可能的固定资产相关的问题，表明她能够将这个基本的收入表扩展到资产负债表，那么这样的女人值得珍惜。

不要购买新车。

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.

如果一位女性看起来生活奢侈，她很可能确实如此。你应该在图书馆、杂货店或者教堂等地方寻找未来的伴侣。在这些地方，你遇到的人在整体素质上可能比在酒吧里找到的要高。

要公平地支付人们应得的报酬，不要试图贬低或剥削他们。因为在未来，你可能需要他们的帮助——记住，服务行业的人员记忆力很好。

避免离婚。

不要住在纽约市或加州的任何地方。

不要有信用卡，也不要借钱。

学会区分想要的东西和真正需要的东西。在生活中，你并不总是能得到你想要的，有时这其实是好事。考虑一下，如果一个女人拒绝了你，她可能在帮你一个大忙。

我不是特别富有。我没有自己的房子，我的收入很少超过最低工资。我住在乡下的一所老农舍里，开着一辆2009年的林肯·城市 ，我几乎没有未付的账单。我手头有足够的现金来应付日常开支，剩下的钱用于长期投资，但并不总是像我的财务顾问建议的那样。

人不可能不花分文地生活，但你确实可以靠非常少的钱过日子。我们的祖先懂得如何“将就”使用他们所拥有的资源。这是现代人已经渐渐忘却的一种生活智慧。

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.

当你手头紧的时候，你会使用哪些技巧?

当你登录到银行账户时，你的储蓄看起来如何？可能不像你希望的那样好。积累(并保持)一笔可观的储蓄似乎总是一场艰苦的战斗。

但如果你的车坏了，或者你突然有一笔医药费该付该怎么办?

我们不是在评头论足——我们不会那样做。我们是来帮助你的。我们只是不希望你为了付一些糟糕的水暖费而不得不卖掉你继承的猫王签名的天鹅绒裤子，那条裤子真漂亮。