“月光族”應(yīng)該恪守的11條省錢生財(cái)秘籍

Bike more。多騎自行車

And in many areas, you can travel 5-10 miles faster by bike than by car, because you are immune to traffic jams and can maintain a constant 20MPH without being bound to regular roads. Choose your house and job around bike transportation, rather than around the car。

在很多地方，自行車的行進(jìn)速度能比汽車快，因?yàn)樽孕熊嚥粫?huì)受到交通擁堵的影響，能始終保持每小時(shí)20英里的速度，并且不會(huì)受到道路條件的限制。以自行車而不是汽車出行的便利度來選擇你的住房和工作。

Put the public library at the top of your entertainment category。

把公共圖書館作為首要的娛樂場所

Libraries are the forgotten goldmines of our society. The equivalent of a Ph.D. education in every field imaginable awaits within, and that's before you get into the latest fiction, movies and documentaries on DVD, music, magazines, nice people, and a generally classy and quiet place to relax or meet someone new. And kids love it there. And, it's free. How could this not be anyone's top choice for lifelong entertainment?

圖書館是我們社會(huì)里被遺忘的寶庫。相當(dāng)于所有領(lǐng)域博士教育的書籍在那里等著你。你還能看到最新的小說、存儲(chǔ)在DVD上的電影和紀(jì)錄片、音樂、雜志和友好的人。那里舒適安靜，是休息和結(jié)識(shí)新朋友的好去處。孩子們也喜歡那里。而且那里是免費(fèi)的。對于任何人來說，這怎能不是終身娛樂的最佳選擇呢?

Use utilities efficiently。

有效使用各種設(shè)備

Cut your costs by thousands per year by challenging yourself to be just a bit less dependent on climate control (a cooler house in winter and a warmer one in summer). This also improves your physical fitness and expands the range of weather you can comfortably enjoy outside. When possible, hang clothes to dry instead of using the electric dryer, only wash things when they need it, replace your 20-year-old fridge, and use only CFL and LED light bulbs, and try a lower-flow showerhead. Insulate your house well and open any South-facing blinds and curtains during the winter。

減少對空調(diào)的依賴(冬天讓屋里更冷，夏天讓屋里更熱)，這每年能為你節(jié)省數(shù)千美元，還能改善你的健康，擴(kuò)大你在室外覺得舒適的溫度范圍。在可能的情況下，把衣服晾干而不是用電動(dòng)干衣機(jī)烘干，只在必要時(shí)洗衣服，換掉用了20年的冰箱，只用CFL和LED燈泡，換用水流量更小的淋浴噴頭。好好地為你的房子隔熱，在冬天時(shí)打開所有朝南的窗簾。

Look to Nature as your primary source of recreation and peace。

把大自然作為休閑和平和的首要來源

When you get out and soak it up, it brings unending entertainment and peace, because you're pressing your own biological health and happiness buttons. It is scientifically proven that every exposure to nature and plants improves health and focus。

當(dāng)你走出門，去欣賞大自然的景色時(shí)，它會(huì)為你帶來無限的休閑和平和，因?yàn)槟惆聪铝俗约旱纳眢w健康和幸福按鈕?？茖W(xué)已經(jīng)證明，每次身處大自然和植物之中都能改善健康和注意力。

Cut car use。

少開汽車

Ride a bike, walk, or run whenever you can, and use your car only as the last choice

盡量騎車、步行或跑步，只有在不得已時(shí)才使用汽車。

Choose vacations that are rich in experience。

選擇體驗(yàn)豐富的度假活動(dòng)

As for travel, camping and active vacations are my favorites for domestic trips. Internationally, practice authentic “slow travel” where you live like the locals rather than carrying the United States lifestyle with you and just seeing things through the windows of the hotel and the tour bus。

在旅游方面，野營和運(yùn)動(dòng)度假是我最喜歡的國內(nèi)旅游活動(dòng)。在出境游方面，可以試試真正的“緩慢旅游”，也就是你像當(dāng)?shù)厝四菢由?，而不是帶著美國生活方式，只是看看酒店和旅游車窗外的景色?/p>

Only buy clothing you need。

只買必要的衣服

While remaining well-dressed, you can choose to own less clothing (it can still be of high quality) and use your clothes until they wear out.

在保持衣著體面的同時(shí)，少買點(diǎn)衣服(仍然可以是高質(zhì)量的服裝)，直到穿爛時(shí)才扔掉。

Save restaurants for special occasions。

把餐館留給特殊場合

Consider restaurants a treat that allow you to live like a king for one night as a reward for being debt-free and saving so much of your income, rather than a convenience because you just happened to have nothing in the fridge that night。

把餐館視為一種犒勞，使你在那個(gè)晚上過得像個(gè)國王，作為你沒有負(fù)債、存了如此多錢的獎(jiǎng)勵(lì)。不要因?yàn)槟莻€(gè)晚上你的冰箱里剛好沒東西而把餐館視為一種便利。

Cook at home more often, and take good nutrition seriously。

更多地在家做飯，注意營養(yǎng)

Eat less meat and avoid packaged convenience foods and anything with added sugar. Eat more vegetables, less bread and pasta and more healthy fat like nuts and olive oil. Shop at discount bulk stores like Costco. When traveling or working, bring your own food rather than throwing yourself at the mercy of the fast food system.

少吃點(diǎn)肉，不要吃袋裝的方便食品和含有添加糖的任何東西。多吃點(diǎn)蔬菜，少吃面包和面食，多吃健康脂肪，例如堅(jiān)果和橄欖油。在好市多這樣的折扣超市里購物。在旅行或工作時(shí)，要自帶食物，而不是把自己置于快餐的擺布之下。

Invest in people。投資他人

Develop great relationships with the people all around you, at work and even in your own neighborhood, since this leads to both more happiness and better work opportunities. By cutting out solitary time-drains like television-watching and car-commuting, you open up more time for things like group activities, entertaining, and volunteering, which will increase your family, social, and business networks。

與同事和鄰居建立良好的關(guān)系，因?yàn)檫@能帶來更多的快樂和更好的工作機(jī)會(huì)。通過減少看電視和開車上下班這樣的獨(dú)處時(shí)間，你能把更多時(shí)間用于集體活動(dòng)、娛樂和志愿者服務(wù)，這將增加你的家庭、社會(huì)和商業(yè)人脈。

Invest in yourself。投資自己

Develop extra skills over your lifetime, so you can maintain some of your own stuff (house, car, body, garden). The assumption today is that you are busy and successful, so you deserve to hire someone to trim your trees while you relax on the weekends. Take the opposite approach and insource the widest variety of tasks possible, to build a broader mesh of mutually reinforcing skills. The result is that you get better at everything, more employable, happier, and your cost of living plummets。

不斷學(xué)習(xí)新技能，這樣就能維修自己的某些東西(房子、汽車、身體和花園)。你可能覺得自己很忙，事業(yè)成功，所以你理所當(dāng)然地在周末時(shí)聘請其他人為你修剪花園，而你則去放松休息。你應(yīng)該采取相反的做法，親自去做各種各樣的事情，培養(yǎng)更加廣泛的、相互促進(jìn)的技能。由此產(chǎn)生的結(jié)果是，你在所有事情上都做得更好、更稱職、更快樂，并且你的生活成本大幅降低。