英语 英语 日语 日语 韩语 韩语 法语 法语 德语 德语 西班牙语 西班牙语 意大利语 意大利语 阿拉伯语 阿拉伯语 葡萄牙语 葡萄牙语 越南语 越南语 俄语 俄语 芬兰语 芬兰语 泰语 泰语 泰语 丹麦语 泰语 对外汉语

美国国家公共电台 NPR Be The Master Of Your Budget

时间:2019-11-12 02:42来源:互联网 提供网友:nan   字体: [ ]
特别声明:本栏目内容均从网络收集或者网友提供,供仅参考试用,我们无法保证内容完整和正确。如果资料损害了您的权益,请与站长联系,我们将及时删除并致以歉意。
    (单词翻译:双击或拖选)

 

CHRIS ARNOLD, HOST:

Budgeting - that word alone - I mean, it sounds awful, right? - keeping track of everything you spend money on, joyless spreadsheets. Oh, hang on, guys. I just got to enter this beer and my share of the nachos into my budget app. I mean, who wants to deal with that? But if it's such a drag though, why are some of you talking about budgeting like this?

(SOUNDBITE OF MUSIC)

UNIDENTIFIED PERSON #1: I have had such a positive experience budgeting recently.

UNIDENTIFIED PERSON #2: And I am budgeting wizzard.

UNIDENTIFIED PERSON #3: I'm actually super jazzed about it. It's, like, all I want to talk about.

ARNOLD: A budgeting wizard, I love that guy. Super jazzed, all they want to talk about - what is going on with these people? What is their secret? This is your NPR LIFE KIT1. This episode, budgeting - we're going to figure out how to join this party, how to convert a dreary2, anxiety-producing, emotionally-fraught task into something conquerable, empowering and maybe even fun. We're going to learn how right after this.

(SOUNDBITE OF MUSIC)

ARNOLD: I'm Chris Arnold, and I cover personal finance for NPR. And in this episode, we're going to give you six tips for setting up and sticking to your budget. And our first big takeaway - call it tip number one - you need a goal. But it can't just be any goal - right? - because, I mean, you want to stick with this. You want to be a budgeting wizard. You need motivation. This is going to be fun. It can't be just any goal.

KRISTIN WONG: It has to be something that's specific and meaningful to you.

ARNOLD: That's Kristin Wong. She's written a book called "Get Money." And she writes about personal finance for Lifehacker and other publications. And she says, you don't want to try to start a budget just because you think it's something that you should do.

WONG: If you just have, like, a vague goal - like, oh, well, I mean, I need to be an adult. I need to be a responsible grown-up. You know, I think most of us when we start budgeting or start wanting to get our finances in order, that's the goal - the best goal that we come up, you know. Like, it's time to be an adult. And it's just not a goal that really serves us because it doesn't really mean anything. And, I mean, also who wants to be a responsible adult? (Laughter) That just doesn't sound fun.

ARNOLD: Deep down, that's not really what we want.

WONG: No.

ARNOLD: Kristin says, pick a goal that actually is something that you really, really want.

WONG: Like, maybe you want to get out of $10,000, $20,000 worth of student loan debt. Maybe you want to save up $3,000 for a trip to South America. Then on a Friday night, where you have nothing else to do, and your friends say, hey, let's go to this hip3 new restaurant. You know it's going to be 50 bucks5, but you don't really have a good reason to say no except that, you know, this budget tells you not to. But when you have a goal like, OK, I want to save $3,000 for a trip to South America, well, now you have a reason to say no to that $50 dinner because you have something to say yes to now.

(SOUNDBITE OF MUSIC)

ARNOLD: OK. So a trip to South America is fun and exciting. But, of course, a lot of times what gets us serious about wanting to make a budget is that we're not having fun. There is, like, a moment of crisis or a huge life shift. This is our next takeaway - tip number two - if you are freaking out about money, harness the freakout.

JESSICA FISHER: My water broke, and we had quite the experience.

ARNOLD: That's Jessica Fisher (ph). She was on her way to the hospital, in labor6 obviously. And you know the scene - contractions7, everybody's getting anxious. It probably didn't help that her husband pulled the car over to buy a burrito on the way to the hospital before they finally got there.

FISHER: I started having contractions, you know, pretty frequently with not a lot of time in between them. And Ryan's sitting there eating his Chipotle and kind of making me mad. So I flipped9 to my phone.

ARNOLD: And Jessica's feeling like, OK, we're having this baby. This is going to cost money - child care, someday college. I mean, burrito guy here is not looking terribly full of answers at the moment.

FISHER: I was trying to not feel the contractions as bad, so I'm scrolling10 through Facebook in between contractions. And I see a post about a budgeting program, and it said it was on sale. It hit me right at that moment that this is what we need to do. This is what's going to make everything work. And I pass the phone to my husband. I said figure out how to buy this budgeting program. That kind of, you know, calmed me down a little bit because I really, you know, had started panicking about what we were going to do with three kids when we brought my youngest daughter home.

JESSE MECHAM: I'll have to meet this woman at some point. (Laughter) That blows my mind.

ARNOLD: That's Jesse Mecham. And that budgeting program that Jessica bought, he invented it. It's called You Need A Budget, or YNAB for short. And we should say the company's been a sponsor of NPR before. But we're talking to Jesse because YNAB has this vast community of loyal users - like, hundreds of thousands of people. And Jesse's interviewed a bunch of them, and it turns out, a lot of them are kind of like Jessica, having her baby and freaking out about money.

MECHAM: Or they had decided11 they were going to move. Or the breadwinner lost a job. I think those moments where you have the willpower or you have the energy or whatever it is, you have this motivation, that motivation is fleeting12.

ARNOLD: It might be getting out of college and having to start paying student loans and feeling like, uh-oh, I've got to figure this out. But whatever it is, Jesse says harness that freakout. You have an impulse to knuckle13 down and get started and do it. And as you do it - and he says this is important - forget everything that you think you know about what making a budget is actually going to be like.

MECHAM: I mean, the first image that comes to most people's mind is either dieting or imprisonment14. And what we try and get people to think is budgeting's not about being handcuffed. It's really about being liberated15 to start to decide what you want to do instead of just reacting to everything that comes your way. And so it's not about saying, hey, don't spend here, don't spend there, cut back on this. Never eat out. None of that. It's just about saying, what do you really want?

(SOUNDBITE OF MUSIC)

ARNOLD: So those are our first two tips - what's your specific goal, the thing you really want? And use your angst for motivation. And we're talking to Jesse from YNAB, but there's also all kinds of other tools and apps out there. Mint is really popular. We've got a link to a free, simple spreadsheet you can use at npr.org/lifekit. And, look. If you're still like, budgeting, that's going to be a drag, I don't know, Jesse says, look, getting started can be pretty painless. And at first, all you want to do is just track where the money is going and kind of see what's going on. And he says sometimes it's best if you don't try to change too much, too fast.

MECHAM: Especially don't cut back right away. You know, you're just getting started. You have someone that's been spending, I don't know, $1,200 a month on groceries, and then they come in and they say, we'll spend $500 'cause we're really serious. That's a recipe for disaster. You know, don't go zealot on me too quickly.

ARNOLD: OK. So now, though, it is time to take out and sharpen your pencil.

WONG: Then, you know, comes the dirty work of actually putting together the budget and deciding how your income gets divvied up among different categories.

(SOUNDBITE OF MUSIC)

ARNOLD: And Kristin says there's a good rule of thumb here that a lot of experts talk about. This is tip No. 3. We've got some numbers coming up here, but it's going to be OK. It's not that complicated. It's called 50-30-20. And Elizabeth Warren actually used to talk about this back when she was a Harvard professor and she was looking into the pressures that middle-class families face. And, all right, it's called 50-30-20. Here's how it works.

WONG: It goes like this. Fifty percent of your after-tax, take-home income should go toward basic living necessities, like your rent, like your groceries, like your utility bill.

ARNOLD: So that's easy. Half your income for the big fixed16 costs in life.

WONG: And then 30 percent should go toward discretionary expenses - things that you don't necessarily need but you want, like your Netflix subscription17, restaurant spending. You know, clothing, makeup18. Stuff like that.

ARNOLD: And then that last part, the 20 percent that's left over...

WONG: Should go toward savings19 and debt goals.

ARNOLD: And these are guidelines, a good place to start. The saving, of course, is going to be the hardest part for a lot of people. That is very tough, especially when you're not making that much money. But we have a whole episode just on how to save more money. There's a lot of good, high-value information in there. So check that out. But with this 50-30-20 thing, what you're doing here is you're starting to organize and place some limits on your spending.

MECHAM: The budget is, it's a tool to manufacture scarcity20 regularly.

ARNOLD: And like Jesse was saying, this is the part that people think is going to feel like handcuffs. But he says that pinch, that scarcity, that's actually really powerful. I mean, you could kind of think about like this. Like, remember when you were a kid and all you had was that $5 or $10 allowance, or money from babysitting or mowing21 lawns or whatever? You were probably pretty careful about how you spent that money because once you did, it was gone.

MECHAM: This moment that we never experienced now, where you end up with zero dollars or really, really close to it. We've eliminated this scarcity because banks have introduced very profitable mechanisms22 to have you just walk past zero and overdraft23 a little bit and pay them a fee. Or you can just, if you run out of money in your checking account, you just swipe your credit card and you've walked past zero again. We've gotten really used to the idea that we never really run out of money.

ARNOLD: So Jesse says this is the whole point of the budget, to get back to a world where we do run out of money, to feel that scarcity. And this is tip No. 4. You want to make the power of scarcity work for you.

(SOUNDBITE OF MUSIC)

ARNOLD: So if your budget says $800 for groceries this month or $50 for coffee - whatever it is - that is way better than just looking at what's in your checking account.

MECHAM: Absolutely, if, yeah, you never look at your checking account balance to see if you can spend anything. Because that's a big pile of money or small pile, whatever it may be. But it's a pile that doesn't tell you any information at all. All it tells you is what your checking account balance is. But it doesn't tell you if half of that money is reserved to pay a large bill that's coming up, and a little bit that's left over is to pay a preschool tuition and then you've got some left to pay the lights. And you're sitting there wondering if you should buy boots, you know? It shouldn't even be in the equation.

So the moment I know someone's really got it is when they'll tell me, Jesse, I went to look to see if we should go out to eat, and we only had, you know, $20 in our restaurants category so we decided to get some pizzas instead. I felt broke. That phrase is great. They'll say, I feel broke because I can't go out to eat where I want to go out to eat at this moment, but my checking account has never been bigger. And that is where I say, OK, this person got it. They're manufacturing scarcity around the priority of how much should we spend on restaurants. But on the flip8 side, they've got money set aside to go on some great vacation where they'll get to enjoy themselves, guilt-free.

(SOUNDBITE OF MUSIC)

ARNOLD: Jesse says a key part of that story about the pizza is that you have to actively24 look at your budget as you go throughout the month so it can help you make decisions. Also you definitely want to have different categories in your budget but, Jesse says, don't go overboard. Like, does toothpaste go under health care? Or maybe under groceries? I know. Maybe I need, like, a hygiene25 category.

MECHAM: And I'd say, whoa, whoa. (Laughter) You know? Whoa. Do you ever make a decision based on the information you are collecting? And if the answer is no, don't collect that information anymore.

ARNOLD: But you are going to get some useful information as you go through and make your budget. And all of a sudden, as you're tracking your spending and you're seeing where all the money's going, Kristin says you want to go through, kind of like, a brushfire or doing some weeding and just get rid of stuff. I mean subscriptions26, a magazine you don't read, some online service you signed up for that you just don't use.

WONG: You know, my big one is candles from Target. I don't know why I love spending, I just - (laughter) like, the amount of money I spend on candles, yeah, is so stupid.

ARNOLD: Jesse says everybody he talks to cuts back on one thing, for sure - going out to eat.

MECHAM: Not one - not one - has ever said, well, we kept eating out at the same level, and we found our savings somewhere else. Every one of them cuts their eating out dramatically.

ARNOLD: And now we're getting into our next big idea here. You want to go after the big stuff, too, and not just the little pick-me-up purchases and candles at Target.

WONG: Where are you going to get the most bang for your buck4 when it comes to cutting back? If you look at the areas where you spend the most money - and think about, like, your rent, your housing, your food, transportation - those are, I think, the three biggest areas most of us spend money on. If you tackle - if you make one decision to cut back on any one of those areas, it's going to save you so much more money and time and energy than trying to cut back on coffee every day or avocado toast every week. Sometimes if you get a roommate or move to a cheaper place, those major decisions are going to save you so much more money. They're harder decisions to make, obviously. But they give you more bang for your buck.

(SOUNDBITE OF MUSIC)

ARNOLD: This is our next big takeaway here, tip No. 5. A roommate is worth a thousand cups of coffee. Or actually, maybe more, right? If you live in a city, a roommate could be $15,000 a year in money to help you pay your rent or your mortgage. And Kristin has walked the walk here.

WONG: You know, I was one of those millennials that boomeranged (laughter) and moved back in with my mom when I was paying my student loan. I paid it off so much faster, and I saved so much money. And I'm very lucky. My mom doesn't charge me rent. We come from this culture where my mom would still have me living at home, if she could. But, you know, it's just, sometimes you have to give up what you think life should look like to think about what it could look like.

ARNOLD: And sure, I mean, moving in with her mom was kind of a bummer in her mid-20s, but...

WONG: Sometimes I do miss those, you know, Friday nights where we'd just sit at home, the two of us, and watch "What Not To Wear" and eat takeout. And, you know, I think about those memories now fondly. It wasn't that bad. It worked in my favor, and I was able to get out of debt and then focus on my career.

(SOUNDBITE OF MUSIC)

ARNOLD: When it comes to exactly how you organize and structure your budget, you can do this lots of different ways, right? I mean, super-detailed with a spreadsheet or a budgeting app with lots of categories, or you can keep it a lot more simple. We heard from a listener, Wendy Spitzer (ph), in North Carolina. And she's got a budgeting system that she calls week money, as in how much money she's going to spend this week.

WENDY SPITZER: And in week money, every Friday, I take out an allotted28 amount of money from an ATM, and that money has to cover all daily living expenses for the upcoming week. So that would include needs like groceries, or gas for your car, transportation, as well as anything for fun money you might use in the course of the week.

ARNOLD: Bigger expenses, like rent, car payments, utilities, that's not part of this. But everything else, she lumps into basically one big, simple category of money that she can spend this week. And if she makes an online purchase, she'll take the cash out of her wallet. And then when it's gone, no more eating out, no more impulse buys in the checkout29 line. And with this budget system, over time, Wendy has saved a lot of money. I mean, she has a very modest salary, and she was able to buy her own house.

SPITZER: It was, I think, quite shocking to a lot of people I knew because I was living on such little money. But, like, you make a small change. It becomes a habit. You institute or implement30 that habit for many years. And I have been able to put a down payment for a house, and I have been able to save for retirement31. So it's worked really well for me.

ARNOLD: I'm a fan of Wendy's strategy here because it's simple, and I'm not like a super detail-oriented guy when it comes to tracking every single purchase and doing a budget. I mean, look. Planning for retirement - yes, the big stuff - but, you know, the little stuff, it's hard for me. I think it's hard for a lot of people. So this is our last big takeaway - tip number six. You want to try different things and find a budgeting system that works for you. So if you want to keep it simple, keep it simple. And people come up with their own systems all the time. I mean, Jesse's budgeting software YNAB, that evolved from just a spreadsheet that he created on his own to help him and his wife save money when they were still in school. And they just kind of stuck it up there on the Internet and tried to sell it.

MECHAM: It launched as a very embarrassing spreadsheet that I love to look at still and...

ARNOLD: Can you describe the spreadsheet?

MECHAM: I don't want to because it's embarrassing. You know, Excel has so many colors you can choose, and I chose all of them in my first spreadsheet. You know, so it was just - it was a hideous32 cacophony33 of color and - but it worked. And it taught me that the tool is - it really plays second fiddle34. And the first most important thing is your approach. And the effective thing about the tool that I built was that it forced us to approach our money, thinking about it in a different way.

ARNOLD: Meaning thinking about budgets and money as a way to have the best life that you possibly can - the things that you really want with the money that you have. Whether that's more great vacations or paying off your student loans or saving up to buy a house, this is what makes budgeting feel fun. You get good at this, and it affects your life in a lot of good ways. And so to get there, Jesse says the main thing is look, just get started doing it, like right now, this month.

MECHAM: I mean, life is - if it's not changing or abnormal, you know, we're probably dead or darn close to it. And people will often - they'll say, oh, I'm going to wait - let's wait for a normal month, honey, before we do blah or before we undertake this thing. And there just is no normal month ever.

(SOUNDBITE OF MUSIC)

ARNOLD: OK, so this is doable. We can do this budget thing. To help you remember the most important stuff, here's Kristin and Jesse with the key takeaways. Number one, you need the right kind of goal to help motivate you.

WONG: Make sure that it's specific and meaningful to you.

ARNOLD: Tip number two.

WONG: If you have a big life event that is making you anxious or stressed about money, harness that stress and that anxiety and turn lemons into motivation.

ARNOLD: Tip number three, a good place to get started with your budget...

WONG: Is the 50-30-20 method - 50 percent of your take-home income goes toward basic living necessities, 30 percent goes toward discretionary expenses, your wants, and 20 percent goes toward saving and debt goals.

ARNOLD: And tip number four - this is my favorite kind of big concept - use the power of scarcity.

MECHAM: Don't view scarcity as a negative. Use the power of scarcity to help flesh out your true priorities. And don't think of budgeting as handcuffs. Think of it as freedom.

ARNOLD: Number five.

WONG: A roommate is worth 1,000 cups of coffee.

ARNOLD: And our last one, number six.

MECHAM: At the end of the day, you want to try different things and find out what works for you.

(SOUNDBITE OF MUSIC)

ARNOLD: So there you go, everything you need to know about budgeting. Make sure to check out our other LIFE KIT guides at npr.org/lifekit. And while you're there, subscribe35 to our newsletter, so you don't miss anything. We've got more podcasts coming out every month on all sorts of topics. Also check out NPR's Your Money And Your Life Facebook group. We have thousands of people in there - tens of thousands of people in there with questions and answers on all kinds of personal finance issues. As always, here's an otherwise totally unrelated life tip, this time from NPR producer Jared Gair.

JARED GAIR, BYLINE36: When using the microwave, instead of nuking the food at 100 percent power, try setting it at a lower power setting for a longer amount of time. This results in more even heating and better tasting food.

ARNOLD: If you've got a tip or you want to suggest a topic, we want to hear it. Email us at [email protected]. Life Kit is produced by the fabulous37 Sylvie Douglis, Alissa Escarce, and Chloee Weiner. Meghan Keane is the managing producer. Our music is by Nick DePrey and Brian Gearhart (ph). Our project manager is Mathilde Piard. Neal Carruth is our general manager of podcasts and the senior vice27 president of programming. The woman at the absolute top of the pyramid - Anya Grundmann. I'm Chris Arnold. Thanks for listening.

(SOUNDBITE OF MUSIC)


点击收听单词发音收听单词发音  

1 kit D2Rxp     
n.用具包,成套工具;随身携带物
参考例句:
  • The kit consisted of about twenty cosmetic items.整套工具包括大约20种化妆用品。
  • The captain wants to inspect your kit.船长想检查你的行装。
2 dreary sk1z6     
adj.令人沮丧的,沉闷的,单调乏味的
参考例句:
  • They live such dreary lives.他们的生活如此乏味。
  • She was tired of hearing the same dreary tale of drunkenness and violence.她听够了那些关于酗酒和暴力的乏味故事。
3 hip 1dOxX     
n.臀部,髋;屋脊
参考例句:
  • The thigh bone is connected to the hip bone.股骨连着髋骨。
  • The new coats blouse gracefully above the hip line.新外套在臀围线上优美地打着褶皱。
4 buck ESky8     
n.雄鹿,雄兔;v.马离地跳跃
参考例句:
  • The boy bent curiously to the skeleton of the buck.这个男孩好奇地弯下身去看鹿的骸骨。
  • The female deer attracts the buck with high-pitched sounds.雌鹿以尖声吸引雄鹿。
5 bucks a391832ce78ebbcfc3ed483cc6d17634     
n.雄鹿( buck的名词复数 );钱;(英国十九世纪初的)花花公子;(用于某些表达方式)责任v.(马等)猛然弓背跃起( buck的第三人称单数 );抵制;猛然震荡;马等尥起后蹄跳跃
参考例句:
  • They cost ten bucks. 这些值十元钱。
  • They are hunting for bucks. 他们正在猎雄兔。 来自《简明英汉词典》
6 labor P9Tzs     
n.劳动,努力,工作,劳工;分娩;vi.劳动,努力,苦干;vt.详细分析;麻烦
参考例句:
  • We are never late in satisfying him for his labor.我们从不延误付给他劳动报酬。
  • He was completely spent after two weeks of hard labor.艰苦劳动两周后,他已经疲惫不堪了。
7 contractions 322669f84f436ca5d7fcc2d36731876a     
n.收缩( contraction的名词复数 );缩减;缩略词;(分娩时)子宫收缩
参考例句:
  • Contractions are much more common in speech than in writing. 缩略词在口语里比在书写中常见得多。 来自《简明英汉词典》
  • Muscle contractions are powered by the chemical adenosine triphosphate(ATP ). 肌肉收缩是由化学物质三磷酸腺苷(ATP)提供动力的。 来自辞典例句
8 flip Vjwx6     
vt.快速翻动;轻抛;轻拍;n.轻抛;adj.轻浮的
参考例句:
  • I had a quick flip through the book and it looked very interesting.我很快翻阅了一下那本书,看来似乎很有趣。
  • Let's flip a coin to see who pays the bill.咱们来抛硬币决定谁付钱。
9 flipped 5bef9da31993fe26a832c7d4b9630147     
轻弹( flip的过去式和过去分词 ); 按(开关); 快速翻转; 急挥
参考例句:
  • The plane flipped and crashed. 飞机猛地翻转,撞毁了。
  • The carter flipped at the horse with his whip. 赶大车的人扬鞭朝着马轻轻地抽打。
10 scrolling ee5631e545c57660dc98fd28795cb9ff     
n.卷[滚]动法,上下换行v.(电脑屏幕上)从上到下移动(资料等),卷页( scroll的现在分词 );(似卷轴般)卷起;(像展开卷轴般地)将文字显示于屏幕
参考例句:
  • Another important detail required by auto-scrolling is a time delay. 自动滚屏需要的另一个重要细节是时间延迟。 来自About Face 3交互设计精髓
  • In 2D visualization and drawing applications, vertical and horizontal scrolling are common. 在二维的可视化及绘图应用中,垂直和水平滚动非常普遍。 来自About Face 3交互设计精髓
11 decided lvqzZd     
adj.决定了的,坚决的;明显的,明确的
参考例句:
  • This gave them a decided advantage over their opponents.这使他们比对手具有明显的优势。
  • There is a decided difference between British and Chinese way of greeting.英国人和中国人打招呼的方式有很明显的区别。
12 fleeting k7zyS     
adj.短暂的,飞逝的
参考例句:
  • The girls caught only a fleeting glimpse of the driver.女孩们只匆匆瞥了一眼司机。
  • Knowing the life fleeting,she set herself to enjoy if as best as she could.她知道这种日子转瞬即逝,于是让自已尽情地享受。
13 knuckle r9Qzw     
n.指节;vi.开始努力工作;屈服,认输
参考例句:
  • They refused to knuckle under to any pressure.他们拒不屈从任何压力。
  • You'll really have to knuckle down if you want to pass the examination.如果想通过考试,你确实应专心学习。
14 imprisonment I9Uxk     
n.关押,监禁,坐牢
参考例句:
  • His sentence was commuted from death to life imprisonment.他的判决由死刑减为无期徒刑。
  • He was sentenced to one year's imprisonment for committing bigamy.他因为犯重婚罪被判入狱一年。
15 liberated YpRzMi     
a.无拘束的,放纵的
参考例句:
  • The city was liberated by the advancing army. 军队向前挺进,解放了那座城市。
  • The heat brings about a chemical reaction, and oxygen is liberated. 热量引起化学反应,释放出氧气。
16 fixed JsKzzj     
adj.固定的,不变的,准备好的;(计算机)固定的
参考例句:
  • Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗?
  • Once the aim is fixed,we should not change it arbitrarily.目标一旦确定,我们就不应该随意改变。
17 subscription qH8zt     
n.预订,预订费,亲笔签名,调配法,下标(处方)
参考例句:
  • We paid a subscription of 5 pounds yearly.我们按年度缴纳5英镑的订阅费。
  • Subscription selling bloomed splendidly.订阅销售量激增。
18 makeup 4AXxO     
n.组织;性格;化装品
参考例句:
  • Those who failed the exam take a makeup exam.这次考试不及格的人必须参加补考。
  • Do you think her beauty could makeup for her stupidity?你认为她的美丽能弥补她的愚蠢吗?
19 savings ZjbzGu     
n.存款,储蓄
参考例句:
  • I can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时,他的存款已全部用完。
20 scarcity jZVxq     
n.缺乏,不足,萧条
参考例句:
  • The scarcity of skilled workers is worrying the government.熟练工人的缺乏困扰着政府。
  • The scarcity of fruit was caused by the drought.水果供不应求是由于干旱造成的。
21 mowing 2624de577751cbaf6c6d7c6a554512ef     
n.割草,一次收割量,牧草地v.刈,割( mow的现在分词 )
参考例句:
  • The lawn needs mowing. 这草坪的草该割了。 来自《现代汉英综合大词典》
  • "Do you use it for mowing?" “你是用它割草么?” 来自汉英文学 - 中国现代小说
22 mechanisms d0db71d70348ef1c49f05f59097917b8     
n.机械( mechanism的名词复数 );机械装置;[生物学] 机制;机械作用
参考例句:
  • The research will provide direct insight into molecular mechanisms. 这项研究将使人能够直接地了解分子的机理。 来自《简明英汉词典》
  • He explained how the two mechanisms worked. 他解释这两台机械装置是如何工作的。 来自《简明英汉词典》
23 overdraft 3m3z5T     
n.透支,透支额
参考例句:
  • Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款,她将面临诉讼。
  • An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。
24 actively lzezni     
adv.积极地,勤奋地
参考例句:
  • During this period all the students were actively participating.在这节课中所有的学生都积极参加。
  • We are actively intervening to settle a quarrel.我们正在积极调解争执。
25 hygiene Kchzr     
n.健康法,卫生学 (a.hygienic)
参考例句:
  • Their course of study includes elementary hygiene and medical theory.他们的课程包括基础卫生学和医疗知识。
  • He's going to give us a lecture on public hygiene.他要给我们作关于公共卫生方面的报告。
26 subscriptions 2d5d14f95af035cbd8437948de61f94c     
n.(报刊等的)订阅费( subscription的名词复数 );捐款;(俱乐部的)会员费;捐助
参考例句:
  • Subscriptions to these magazines can be paid in at the post office. 这些杂志的订阅费可以在邮局缴纳。 来自《简明英汉词典》
  • Payment of subscriptions should be made to the club secretary. 会费应交给俱乐部秘书。 来自《简明英汉词典》
27 vice NU0zQ     
n.坏事;恶习;[pl.]台钳,老虎钳;adj.副的
参考例句:
  • He guarded himself against vice.他避免染上坏习惯。
  • They are sunk in the depth of vice.他们堕入了罪恶的深渊。
28 allotted 5653ecda52c7b978bd6890054bd1f75f     
分配,拨给,摊派( allot的过去式和过去分词 )
参考例句:
  • I completed the test within the time allotted . 我在限定的时间内完成了试验。
  • Each passenger slept on the berth allotted to him. 每个旅客都睡在分配给他的铺位上。
29 checkout lwGzd1     
n.(超市等)收银台,付款处
参考例句:
  • Could you pay at the checkout.你能在结帐处付款吗。
  • A man was wheeling his shopping trolley to the checkout.一个男人正推着购物车向付款台走去。
30 implement WcdzG     
n.(pl.)工具,器具;vt.实行,实施,执行
参考例句:
  • Don't undertake a project unless you can implement it.不要承担一项计划,除非你能完成这项计划。
  • The best implement for digging a garden is a spade.在花园里挖土的最好工具是铁锹。
31 retirement TWoxH     
n.退休,退职
参考例句:
  • She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
  • I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。
32 hideous 65KyC     
adj.丑陋的,可憎的,可怕的,恐怖的
参考例句:
  • The whole experience had been like some hideous nightmare.整个经历就像一场可怕的噩梦。
  • They're not like dogs,they're hideous brutes.它们不像狗,是丑陋的畜牲。
33 cacophony Sclyj     
n.刺耳的声音
参考例句:
  • All around was bubbling a cacophony of voices.周围人声嘈杂。
  • The drivers behind him honked,and the cacophony grew louder.后面的司机还在按喇叭,且那刺耳的声音越来越大。
34 fiddle GgYzm     
n.小提琴;vi.拉提琴;不停拨弄,乱动
参考例句:
  • She plays the fiddle well.她小提琴拉得好。
  • Don't fiddle with the typewriter.不要摆弄那架打字机了。
35 subscribe 6Hozu     
vi.(to)订阅,订购;同意;vt.捐助,赞助
参考例句:
  • I heartily subscribe to that sentiment.我十分赞同那个观点。
  • The magazine is trying to get more readers to subscribe.该杂志正大力发展新订户。
36 byline sSXyQ     
n.署名;v.署名
参考例句:
  • His byline was absent as well.他的署名也不见了。
  • We wish to thank the author of this article which carries no byline.我们要感谢这篇文章的那位没有署名的作者。
37 fabulous ch6zI     
adj.极好的;极为巨大的;寓言中的,传说中的
参考例句:
  • We had a fabulous time at the party.我们在晚会上玩得很痛快。
  • This is a fabulous sum of money.这是一笔巨款。
本文本内容来源于互联网抓取和网友提交,仅供参考,部分栏目没有内容,如果您有更合适的内容,欢迎点击提交分享给大家。
------分隔线----------------------------
TAG标签:   NPR  美国国家电台  英语听力
顶一下
(0)
0%
踩一下
(0)
0%
最新评论 查看所有评论
发表评论 查看所有评论
请自觉遵守互联网相关的政策法规,严禁发布色情、暴力、反动的言论。
评价:
表情:
验证码:
听力搜索
推荐频道
论坛新贴