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会赚钱≠会省钱:省钱帝的理财建议

2013-11-18来源:福布斯中文网
Choose vacations that are rich in experience.
选择体验丰富的度假活动

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,野营和运动度假是我最喜欢的国内旅游活动。在出境游方面,可以试试真正的“缓慢旅游”,也就是你像当地人那样生活,而不是带着美国生活方式,只是看看酒店和旅游车窗外的景色。

Only buy clothing you need.
只买必要的衣服

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. We easily spend under $300 per year for the whole family and still have plenty of fine clothes and hiking and biking gear here.
在保持衣着体面的同时,少买点衣服(仍然可以是高质量的服装),直到穿烂时才扔掉。全家人每年的购衣费用可以轻松地控制在300美元以下,同时仍然能够拥有很多的好衣服以及登山装和骑行服装。

Invest in people.
投资他人

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.
与同事和邻居建立良好的关系,因为这能带来更多的快乐和更好的工作机会。通过减少看电视和开车上下班这样的独处时间,你能把更多时间用于集体活动、娱乐和志愿者服务,这将增加你的家庭、社会和商业人脉。

Invest in yourself.
投资自己

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.
不断学习新技能,这样就能维修自己的某些东西(房子、汽车、身体和花园)。你可能觉得自己很忙,事业成功,所以你理所当然地在周末时聘请其他人为你修剪花园,而你则去放松休息。你应该采取相反的做法,亲自去做各种各样的事情,培养更加广泛的、相互促进的技能。由此产生的结果是,你在所有事情上都做得更好、更称职、更快乐,并且你的生活成本大幅降低。

Cook at home more often, and take good nutrition seriously.
更多地在家做饭,注意营养

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. This old advice is deceptively powerful, because it saves you thousands per year while also drastically improving your health (and thus, your energy level, focus, and ability to lead a happy life and earn more money).
少吃点肉,不要吃袋装的方便食品和含有添加糖的任何东西。多吃点蔬菜,少吃面包和面食,多吃健康脂肪,例如坚果和橄榄油。在好市多这样的折扣超市里购物。在旅行或工作时,要自带食物,而不是把自己置于快餐的摆布之下。这个老生常谈的建议很有用,因为它能每年为你节约数千美元,同时还能大幅改善你的健康(因此你的精力、注意力、过上快乐生活的能力和挣钱的能力也都能得到提高)。

Save restaurants for special occasions.
把餐馆留给特殊场合

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.
把餐馆视为一种犒劳,使你在那个晚上过得像个国王,作为你没有负债、存了如此多钱的奖励。不要因为那个晚上你的冰箱里刚好没东西而把餐馆视为一种便利。