雙語閱讀：5種省錢的健康生活方式

　　英文閱讀：5種省錢的健康生活方式

　　Most of us are looking for more ways to save money. But, we get so wrapped up in ways to save on outings, products and activities that we overlook the budget changes we can make in our everyday lives.

　　大多數(shù)人都在尋找更多方法省錢，但是他們費(fèi)盡腦筋在旅游費(fèi)用、購買的物品和外出活動這些項目上省錢，而忽視了日常生活中可以節(jié)省的開銷。

　　It's easy to save on things we want to do, but it's also important to save on the things we have to do. Here are five ways you can turn mundane, everyday activities into opportunities to save some cash.

　　在想做的事情上省錢很容易，而在必須去做的事情上省錢也很重要。通過以下5種方式，每天平凡無奇日常活動也可以成為省錢的機(jī)會。

　　Go green:

　　1.綠色生活

　　As environmental issues become more prominent, there are more and more options to buy and use environmentally-friendly products. The best part is that going green isn't just great for the environment; it's also great for your bank account.

　　隨著環(huán)境問題日益顯著，環(huán)保產(chǎn)品的選擇越來越多。綠色生活不僅對環(huán)境有利，還能幫你省錢。

　　Water bottles are perfect for those on-the-go activities, but we all know that plastic isn't good for the environment, let alone your pocketbook. A better option is to use your own home-filtered water. There are very sophisticated water filters on the market that will allow you to filter your own water and save big on your grocery bill. They can get expensive, but the initial investment of a water filter will save you hundreds of dollars a year in the long run.

　　瓶裝水便于隨身攜帶，可眾所周知，塑料不利于環(huán)境，就更談不上省錢了。比較好的辦法是過濾自家的水。市場上有各種各樣復(fù)雜的過濾器，可以幫你過濾水并且節(jié)省生活開支。雖然過濾器的價格都不太便宜，不過從長遠(yuǎn)來看，初期的投入可以為你一年節(jié)省幾百美元。

　　If you're still using incandescent bulbs, you're wasting time and energy. Compact fluorescent lamp bulbs (CFLs) are the most efficient bulbs for your home and your wallet. They last much longer than incandescent bulbs and cost much less than other economically-friendly choices.

　　如果你還在用白熾燈泡，那么你就是在浪費(fèi)時間和能源。節(jié)能燈對你的家庭有益也能省錢。節(jié)能燈比白熾燈的持久性強(qiáng)，而且比其他環(huán)保燈泡更便宜。

　　Get car maintenance:

　　2.定期進(jìn)行汽車保養(yǎng)

　　Regular car maintenance is extremely important in saving money. Now of course, this is a service, so you will have to spend money. But, getting regular oil changes, tire rotations and checkups will lower your risk of car trouble. I don't know about you, but I'd much rather spend every 4,000 to 5,000 miles than have to pay for major car maintenance or a new car altogether.

　　定期汽車做保養(yǎng)非常有助于省錢。沒錯，這確實是一項需要花錢的服務(wù)，不過定期更換機(jī)油、進(jìn)行輪胎保養(yǎng)和檢查車輛會降低汽車故障的風(fēng)險。我不知道你會怎么做，我寧愿每行駛4、5千英里花上40美元，也不愿意一次為汽車維護(hù)付一大筆錢或者干脆買輛新車。

　　Make it automatic:

　　3.自動支付賬單

　　Paying bills and credit card debt can be quite the task. You have to remember when to pay each bill, how much you owe, how you make your payment for each company, login information and so on. It can be exhausting. Luckily, there's also a more efficient way.

　　支付帳單和信用卡還款是很重要的事情。要記住什么時候付清哪筆賬，欠了多少錢，怎么給公司付款，登錄信息等等，實在是讓人筋疲力盡。不過，幸運(yùn)的是，有一種更高效的方法。

　　Most banks have you covered on this one and will let you set up automatic payments. Sometimes you have the same option directly through the company you're buying from. This way, you don't have to stress about what day it is and when everything is due. Plus, you'll save a lot of money dodging late fees.

　　大多數(shù)銀行都有設(shè)有自動還款的功能。有時候借款公司也有這種選項。如此一來，你就不必?fù)?dān)心什么時候還賬，賬單什么時候到期了。另外，你還省下了逾期付款要繳納的滯納金。

　　Keep it out of sight and out of mind:

　 4.隨身攜帶現(xiàn)金

　　I know it seems crazy to carry cash around when technology has passed up the need for paper money, but hear me out on this one. Carrying cash with you makes you consciously think about how much money you're spending. You can physically see the payment you're making and feel your stack of cash shrinking. Try it out for a few weeks and see if it makes a difference in your spending habits.

　　我知道隨身攜帶現(xiàn)金聽起來有點(diǎn)傻，因為如今科技的發(fā)展令人們不再需要紙質(zhì)錢，不過就這點(diǎn)請聽聽我的看法。隨身攜帶現(xiàn)金可以提醒你花了多少錢。你親眼看見錢花出去，看到它一點(diǎn)一點(diǎn)變少。試過幾周以后，看看你的消費(fèi)習(xí)慣是否有所改變。

　　I find this tactic extremely helpful when I'm on a vacation or a shopping spree. It's difficult to keep up with how much you're spending when you're having fun. If you have the bills in your hand, it's a little difficult to use the excuse that you didn't realize how much you were spending.

　　我發(fā)現(xiàn)這種方法在度假和瘋狂購物得時候十分奏效。盡情玩樂的時候很難弄清到底花了多少錢。如果錢拿在手里，再無法再用自己不知道花了多少錢當(dāng)借口了。

　　What do you do to save money on a daily basis?

　　你每天怎么省錢呢?

　　5.眼不見心不想

　　Regularly putting money in your savings account is vital for emergencies. When you need emergency money, it's much more efficient to spend money from your own bank account than to use a credit card. You'll save a ton on interest if you have a healthy savings ready when you need it.

　　定期存款以備不時之需是很重要的。急需用錢時，用銀行賬戶里的錢要比刷信用卡方便多了。如果你有一個健康的存款賬戶，隨時為突發(fā)事件做好準(zhǔn)備，那么你可以在匯率上可以省一大筆錢。

　　Put a portion of your paycheck into savings before you even see it. You can set up an automatic draft from your checking account to your savings account, or you can make the switch yourself every time you get paid. (I do it this way, because it makes me feel good, like I accomplished something.) This ritual will eventually just feel like a tax coming out of your paycheck, and you won't even notice it's gone. By moving a portion of your pay to savings as soon as you get paid, you'll lower the risk of spending that money on things you don't really need.

　　在工資拿到手之前就先存起來一部分?？梢詮馁Y賬戶自動轉(zhuǎn)賬到存款賬戶中，或者你也可以自己做這項工作(我是這么做的，因為這樣感覺很好，很有成就感)。最終當(dāng)它成為一種習(xí)慣時，就好像交稅一樣，還沒有注意到這筆錢就沒有了。一發(fā)工資就存起一部分錢可以防止你把這些錢花在不需要的東西上。

　　Carry cash with you: