节省开支的34个途径

16. Set goals. If you have a plan tostock money away in an emergency fund, for example, you'll think twice aboutspending on superfluous things.
设立目标。比如，如果你有计划存钱应对不时之需，那你就需要在购买不必要的东西前三思。

17. Buy quality items. If you skimp onthe important things, you may spend more in the long run. For instance,spending $30 on shoes every six months costs more than spending $60 on a pairthat lasts years.
购买有质量的物品。如果你在购买重要物品时省不得花钱，从长远来看，你的开销可能更大。比如，每半年花30美元买双鞋子比花60美元买双更耐穿的鞋子费用更高。

18. Think of your spending in hours insteadof dollars. If you make $10 an hour, then that $2 cup of coffee is 12 minutes of your life. You may decide it's not worth it.
以计时的方式支出，而非只看金额。如果你每小时的收入是10美元，那么一杯2美元咖啡的成本就是你生命的12分钟。你可能就会觉得不值得。

19. Compare prices online.
上网对比商品的价格。

20. Before you buy something, ask yourself:What impact is this purchase going to have on my life? That can put an endto impulse spending.
在买单前问下自己：购买这个商品会对我的生活带来什么变化？这样就能避免一时冲动了。

21. Change how often you spend onindulgences.
改变随兴购物的习惯。

22. Put half of your paycheck intosavings.
存下一半的薪水。

23. Always pay off your credit card at theend of every month.
总会在每个月月底还清信用卡。

24. Set up auto transfers on your bills soyou're never late. Late fees are a waste.
在票据上创建登记自动转账功能。交滞纳金是一种浪费。

25.Opt out of overdraft protection.
退出透支保障。

26. Before you buy something on sale, askyourself: If you're just buying something because it's on sale, youprobably don't really need it.
在购买廉价出售的商品前问下自己：如果你只是因为廉价出售就购买这些商品的话，你可能不见得有这个需要。

27. Spend your money where you spend yourtime, and cut the rest. If you're a runner, you need good shoes.
把钱花在占用你时间的方面，但省下其他方面的花费。如果你常跑步，那你就需要好的鞋子。

28. Wait at least two days before buyinganything over $50. You may no longer want it or forget it altogether.
需要购买价格超过50美元的东西时，过至少两天再做决定。你可能不再需要，也有可能完全忘了这件事。

29. Cancel magazine and newspapersubscriptions you don't read.
取消订购你不会去看的杂志和报纸。

30. Wear a sweater in the house, and turndown the heat a couple of degrees. Over time, you'll save on electricity.
在房间里穿上毛衣，然后将暖气调低几度。久而久之，你就能省下电。

31. Rethink your cell phone plan. Switchingto StraightTalk or a similar plan could significantly drop your bill.
反思用手机的方式。有话直说或类似的方式可以让你大幅节省话费。

32. Frequent the library. Get books,movies, and music for free.
常去图书馆。免费获取图书、电影和音乐资源。

33. Buy your clothes from the thriftstore. Chances are, no one will be able to tell the difference.
到二手店买衣服。有可能没有人能看出有什么不同。

34. Ride your bike to work. Not onlywill you save on car or public transportation costs, you'll be healthier.
骑自行车去上班。不仅能省下开车或达成公共交通的费用，你还能让自己更健康。