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改善您经济状况的20条妙计

时间:2013-01-28 07:18来源:互联网 提供网友:laura6688   字体: [ ]
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   “Money is better than poverty, if only for financial reasons.” - Woody AllenWe had the Parent Hacks2 earlier this week, and I was thinking it would be fun to do the same with finances — ways to trick yourself, to get around obstacles, to boost your accounts, without it hurting.

  Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that’s worked for me.
  I’m in the best financial shape in my life, despite quitting my job and my wife recently quitting hers too. A lot of that is thanks to you guys, the readers, but it’s also thanks to frugality4, to eliminating debt, to saving as much as I can. To these hacks.
  Here’s what works for me — please avoid flaming me, as I’m not saying they’ll work for everybody. Share your tips and tricks in the comments!
  1. Use cash.Instead of charging things to credit cards or debit5 cards, use cash for non-bill spending such as eating out, gas, groceries. Spending cash makes the spending more real, and there’s an added advantage of knowing when you’re out of cash, instead of spending more than you
     2. Small weekly savings6 transfers.
  I got this idea from my friend Trent at The Simple Dollar, who automatically deducts7 $20 a week from his check to savings. I decided8 that I could live with $40/week without really feeling it — it’s a relatively9 small transfer that I barely notice, and I save about $2,000 a year on top of my larger bi-weekly savings transfers.
  3. Stay home.
  Going out makes you more likely to spend unnecessarily. You eat at restaurants, go to the mall, stop at the gas station for snacks. It’s hard to avoid spending when you’re on the road. Instead, stay home, and find free entertainment. It’s also a great way to bond with your family.
  4. Don’t get catalogs.
  Or emailed announcements from companies trying to sell you stuff. Their announcements of sales or cool new products make it very tempting10 to buy something you don’t need. Instead, stop the catalogs and emails from ever getting to you in the first place, and you’ll spend less.
  5. Keep a 30-day list.
  If you have an impulse to buy something you don’t absolutely need, put it on a 30-day list. You can’t buy anything but necessities — everything else goes on the list, with the date that it’s added to the list. When the 30 days are up, you can buy it — but most likely, the strong urge to buy it will be gone, and you can evaluate it more calmly.
  6. Cook at home.
  I know, it seems more difficult than eating out. But it doesn’t have to be hard. Throw together a quick stir-fry with frozen veggies and either boneless chicken or (my favorite) tofu with soy sauce or tamari. Make home-made pizza with a ready-made crust, some sauce, cheese and veggies. Put some spices on something and throw it in the oven while you cook some brown rice. Not only is this much cheaper than eating out, but it’s healthier.
  7. Exercise.
  Staying healthy is the best way to avoid costly11 medical bills later.
  8. Use the envelope system.
  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.
  9. Talk with your SO weekly.
  It’s important that you and your significant other be on the same page. You should have the same financial goals, and from there you should agree on a general spending plan and a policy for impulse buying that won’t have either of you wanting to choke the other. Make sure you both know what bills have been paid, what your balances are, etc. A weekly meeting of just 20 minutes accomplishes that. Communication is key.
  10. The spreadsheet tracker hack1.
  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 desktop12 or online, that can do all kinds of things. Trouble is, I don’t need all that. All I want is a way to track my money easily, with no other bells and whistles, and a way to access that online so that I can view it from anywhere. The best way I found to do that is through Google Docs and Spreadsheets. I created a simple spreadsheet to track my bank accounts, that does everything I used to do with MS Money. It has the date of each transaction, the title and amount, a little field for memos13, and a running balance. What more do I need? Keep it simple. Update: View a sample I put online here.
  11. Pay savings and debt first.
  When you sit down to pay your bills (I do them all online), make the first bills you pay be your savings transfer and your debt payments. If not, if you pay them last … you’ll often end up shortchanging them. But if you pay them first, you’ll make sure you still pay your rent or mortgage, utilities, groceries and gas … so you’ll just cut back on other spending.
  12. Exercise at home.
  Some of you will disagree with me on this, which is OK — everyone should do what works for them. But I’ve saved a lot of money that I used to spend on gyms by just running at the local track or on the roads in my neighborhood, and buying some simple weights and a chin-up bar. I do a lot of body-weight exercises (pushups, Hindu squats14, lunges, pullups, dips, etc.) and I don’t need a gym for those things.
  13. Cut out cable TV. I’m not saying I don’t watch TV — I watch DVDs, so that I’m sure that what I’m watching is something great, rather than the useless stuff you find on TV most of the time. And there’s a lot of it online for free if you look. Not a huge savings, but it adds up.
  14. Declutter.
  By getting rid of all the excess stuff in your home, you not only make your life much simpler and more peaceful, but you make it harder to buy stuff that will just clutter15 things up again. Once you’ve simplified your home, you won’t want to go back.
  15. Lend and borrow.
  Give books and clothes and toys you don’t need anymore to your friends and family. If you need something, send out an email asking if anyone has it. Chances are, they’ll give it to you for free if they don’t use it anymore.
  16. Barter16.
  It’s a lost art, but lots of people will take your services or goods instead of money, especially if you’re friends or at least know each other. Get into the habit of offering to barter, and you’ll find yourself saving a lot of money. My website design was done through the barter system, so I saved well over $1,000 there, for example.
  17. Use online savings.
  I use Emigrant17 Direct, but ING Direct is also popular, as are a bunch of other online banks. Not only do you earn like twice the interest of a normal bank savings account, but if you don’t get the ATM account it’s not as easy to withdraw money … making it less likely that you’ll get money out on an impulse.
  18. Try frugal3 gift-giving.
  Giving people gifts is one of the most wonderful traditions, as it shows generosity18 and caring. Until it becomes commercialized. Then it’s just really really expensive. Instead, try giving the gift of spending time with someone. Try giving them something you baked or made yourself. Try giving them services they’d appreciate. It doesn’t have to cost a lot to be generous.
  19. Teach your kids about advertising19, saving, earning, and gift-giving.
  If you have kids, educating them about money will save you a lot of money in the long run. If they know about how advertising influences them in tricky20 ways, they’ll be less likely to demand (OK, beg and plead for) the latest fad21 toys. If they know about saving and earning money, they’ll respect the money that you earn, and that you are trying to save. If they know that gift-giving doesn’t have to be about spending a lot of money (see above), they won’t necessarily want expensive stuff.
  20. Find happiness in life, not spending.
  Many times people buy stuff because they think (subconsciously perhaps) that it will bring them happiness. They just HAVE to have the latest gadget22 or shoes or cars. It’s so fun! And yet, you buy that stuff, and you’re only happy for a day or two at most. Then you just need to buy more. It’s a never-ending cycle. Instead, learn to love life. Find joy in nature! In the people around you! In doing something you love! In exercise and meditation23! There’s so much in life to make us happy, there’s no need to find it in spending.
  “I’d like to live as a poor man with lots of money.” - Pablo Picasso

点击收听单词发音收听单词发音  

1 hack BQJz2     
n.劈,砍,出租马车;v.劈,砍,干咳
参考例句:
  • He made a hack at the log.他朝圆木上砍了一下。
  • Early settlers had to hack out a clearing in the forest where they could grow crops.早期移民不得不在森林里劈出空地种庄稼。
2 hacks 7524d17c38ed0b02a3dc699263d3ce94     
黑客
参考例句:
  • But there are hacks who take advantage of people like Teddy. 但有些无赖会占类似泰迪的人的便宜。 来自电影对白
  • I want those two hacks back here, right now. 我要那两个雇工回到这儿,现在就回。 来自互联网
3 frugal af0zf     
adj.节俭的,节约的,少量的,微量的
参考例句:
  • He was a VIP,but he had a frugal life.他是位要人,但生活俭朴。
  • The old woman is frugal to the extreme.那老妇人节约到了极点。
4 frugality XhMxn     
n.节约,节俭
参考例句:
  • We must build up our country with industry and frugality.我们必须勤俭建国。
  • By frugality she managed to get along on her small salary.凭着节俭,她设法以自己微薄的薪水生活。
5 debit AOdzV     
n.借方,借项,记人借方的款项
参考例句:
  • To whom shall I debit this sum?此款应记入谁的账户的借方?
  • We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱,只得给他寄去一张借条所要欠款。
6 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。
7 deducts 9fd27ac215b17f0d590803bbc059ee95     
v.扣除,减去( deduct的第三人称单数 )
参考例句:
  • At the time negotiation, the local bank deducts the loan and the interest. 议付时,当地银行扣除先前的贷款和利息。 来自辞典例句
  • After commissariat is sold, cooperation deducts cost, return money to every farmer. 在粮食销售之后,合作社扣除成本,把钱退还给每个农户。 来自互联网
8 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。
9 relatively bkqzS3     
adv.比较...地,相对地
参考例句:
  • The rabbit is a relatively recent introduction in Australia.兔子是相对较新引入澳大利亚的物种。
  • The operation was relatively painless.手术相对来说不痛。
10 tempting wgAzd4     
a.诱人的, 吸引人的
参考例句:
  • It is tempting to idealize the past. 人都爱把过去的日子说得那么美好。
  • It was a tempting offer. 这是个诱人的提议。
11 costly 7zXxh     
adj.昂贵的,价值高的,豪华的
参考例句:
  • It must be very costly to keep up a house like this.维修这么一幢房子一定很昂贵。
  • This dictionary is very useful,only it is a bit costly.这本词典很有用,左不过贵了些。
12 desktop sucznX     
n.桌面管理系统程序;台式
参考例句:
  • My computer is a desktop computer of excellent quality.我的计算机是品质卓越的台式计算机。
  • Do you know which one is better,a laptop or a desktop?你知道哪一种更好,笔记本还是台式机?
13 memos 45cf27e47ed5150a0561ca46ec309d4e     
n.备忘录( memo的名词复数 );(美)内部通知
参考例句:
  • Big shots get their dander up and memos start flying. 大人物们怒火中烧,备忘录四下乱飞。 来自辞典例句
  • There was a pile of mail, memos and telephone messages on his desk. 他的办公桌上堆满着信件、备忘录和电话通知。 来自辞典例句
14 squats d74c6e9c9fa3e98c65465b339d14fc85     
n.蹲坐,蹲姿( squat的名词复数 );被擅自占用的建筑物v.像动物一样蹲下( squat的第三人称单数 );非法擅自占用(土地或房屋);为获得其所有权;而占用某片公共用地。
参考例句:
  • The square squats in the centre of the city. 广场位于市中心。 来自互联网
  • Various squats, lunges, jumps and sprints are incorporated for the humans. 主人们还要进行下蹲、弓步、跳跃和短跑等各项训练。 来自互联网
15 clutter HWoym     
n.零乱,杂乱;vt.弄乱,把…弄得杂乱
参考例句:
  • The garage is in such a clutter that we can't find anything.车库如此凌乱,我们什么也找不到。
  • We'll have to clear up all this clutter.我们得把这一切凌乱的东西整理清楚。
16 barter bu2zJ     
n.物物交换,以货易货,实物交易
参考例句:
  • Chickens,goats and rabbits were offered for barter at the bazaar.在集市上,鸡、山羊和兔子被摆出来作物物交换之用。
  • They have arranged food imports on a barter basis.他们以易货贸易的方式安排食品进口。
17 emigrant Ctszsx     
adj.移居的,移民的;n.移居外国的人,移民
参考例句:
  • He is a British emigrant to Australia.他是个移居澳大利亚的英国人。
  • I always think area like this is unsuited for human beings,but it is also unpractical to emigrant in a large scale.我一直觉得,像这样的地方是不适宜人类居住的,可大规模的移民又是不现实的。
18 generosity Jf8zS     
n.大度,慷慨,慷慨的行为
参考例句:
  • We should match their generosity with our own.我们应该像他们一样慷慨大方。
  • We adore them for their generosity.我们钦佩他们的慷慨。
19 advertising 1zjzi3     
n.广告业;广告活动 a.广告的;广告业务的
参考例句:
  • Can you give me any advice on getting into advertising? 你能指点我如何涉足广告业吗?
  • The advertising campaign is aimed primarily at young people. 这个广告宣传运动主要是针对年轻人的。
20 tricky 9fCzyd     
adj.狡猾的,奸诈的;(工作等)棘手的,微妙的
参考例句:
  • I'm in a rather tricky position.Can you help me out?我的处境很棘手,你能帮我吗?
  • He avoided this tricky question and talked in generalities.他回避了这个非常微妙的问题,只做了个笼统的表述。
21 fad phyzL     
n.时尚;一时流行的狂热;一时的爱好
参考例句:
  • His interest in photography is only a passing fad.他对摄影的兴趣只是一时的爱好罢了。
  • A hot business opportunity is based on a long-term trend not a short-lived fad.一个热门的商机指的是长期的趋势而非一时的流行。
22 gadget Hffz0     
n.小巧的机械,精巧的装置,小玩意儿
参考例句:
  • This gadget isn't much good.这小机械没什么用处。
  • She has invented a nifty little gadget for undoing stubborn nuts and bolts.她发明了一种灵巧的小工具用来松开紧固的螺母和螺栓。
23 meditation yjXyr     
n.熟虑,(尤指宗教的)默想,沉思,(pl.)冥想录
参考例句:
  • This peaceful garden lends itself to meditation.这个恬静的花园适于冥想。
  • I'm sorry to interrupt your meditation.很抱歉,我打断了你的沉思。
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