華爾街的賺錢(qián)經(jīng) 第38期:改善經(jīng)濟(jì)狀況 從這些做起(3)

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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(huì)說(shuō)這比下館子麻煩多了。其實(shí)，在家做飯并非那么困難。比起外出就餐，自己做飯不但更經(jīng)濟(jì)實(shí)惠，還更加健康營(yíng)養(yǎng)。

Exercise

運(yùn)動(dòng)

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

保持強(qiáng)健的體魄等于節(jié)省昂貴的醫(yī)療費(fèi)。

Use the envelope system

利用信封理財(cái)

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(gè)道理，只不過(guò)你需要用信封為你的開(kāi)支分類(lèi)。我的非支票支出分類(lèi)如下：日常食品、天然氣和其他雜項(xiàng)支出。當(dāng)這三個(gè)信封一空，我就不再亂花錢(qián)了。

Talk with your lover weekly

每周與你的愛(ài)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(ài)人是否與你同步是很重要的。建議你們每周開(kāi)個(gè)20分鐘的小會(huì)?？傊?，溝通是關(guān)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(gòu)買(mǎi)諸如微軟出品的理財(cái)通、Ouicken及其他類(lèi)似軟件是很費(fèi)錢(qián)的，但他們處理各類(lèi)財(cái)務(wù)信息的功能也的確是不錯(cuò)的。你甚至可以從你的軟件庫(kù)里或網(wǎng)上，找到具有此類(lèi)功能的免費(fèi)安裝程序。