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「荷包不再人消瘦!日常省錢妙招讓你的荷包頭好壯壯」- How to Save Money Every Day


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How to Save Money Every Day
日常省錢妙招

You probably already know some of the basics, like how making your own coffee or bringing your lunch to work can help you save hundreds of dollars a year. If you're doing that, definitely keep it up. But let's look at a few other ways you can save on everyday expenses and how some simple decisions that you make every day can help you save money.
你可能已經知道一些基本的,像是自己泡咖啡或帶午餐上班一年可以怎樣幫你省下好幾百美元。如果你現在正那樣做,絕對要保持下去。不過讓我們來瞧瞧其它幾種你可以省下日常開銷的方法,以及你每天作的一些簡單決定可以如何幫你省錢。

Shopping:
購物:

The supermarket is a great place to start because there are a lot of easy ways to cut down on your shopping bill. You may already be doing things like making a list to cut back on impulse buying, clipping coupons, or using apps to find deals, and even looking at the price per unit to help you get the most for your money. But there are even more ways you can save. For example, when you see a sale or discount, be strategic. Sales and discounts can be great opportunities to save on things you need, but stores often offer incentives for items that a lot of people wouldn't normally get. So it can pay to be selective when considering any discounts you might be offered.
超市是個下手的好地方,因為有很多減少購物帳單金額的簡單方法。你可能已經在做這些事,像是列清單減少衝動購物的機會、剪折價券,或用應用程式來撿便宜,甚至以單位看價格來幫你把錢的價值發揮到最大。不過還有更多你可以省錢的方法。舉例來說,當你看到大拍賣或折扣時,要有策略計劃。大拍賣和折扣可能是替需要用品省錢的大好機會,不過店家常會促銷一些很多人平常不會買的品項。所以考量到任何你可能會獲得的折扣,精挑細選可能會賺到好康。

And while you're considering priorities, spend on what's important, save on what's not. For example, for some people, things like organic food or your favorite brands might be important to you; for others, what's important may be different. The point is that it might be worthwhile to spend a bit more on the items you care about but look for ways to save on the things that are less important to you to keep you on budget. Making simple trade-offs like these can help you save money without giving up what's important.
當你考量優先順序時,把錢花在刀口上,不重要的東西就省下來。比如說,對有些人而言,像有機食物或愛好品牌這樣的東西可能很重要;對其他人來說,重要的東西可能不一樣。重點是那樣或許很值得,在你重視的物品上花多一點錢,但想辦法在對你比較不重要的東西上省錢來幫助你不超過預算。作這些簡單的協調可以幫你省錢,但不用放棄重要的東西。

Finally, before you even make a shopping list, consider your actual eating and cooking habits. A good idea is to plan your meals ahead of time or challenge yourself to eat at least one more meal at home each week. This may help prevent you from tossing out spoiled groceries that you didn't eat or ordering takeout because you didn't buy enough food for the week. This can save you hundreds of dollars each year.
最後,在你擬定購物清單前,想想你真正的飲食和料理習慣。一個好點子是提前規劃好你的每一餐,或挑戰自己每週至少在家多吃一餐。這可能有助防止你丟棄沒吃的壞掉雜貨,或因為沒有買足一週份量的食物而點外賣。這樣每年可以替你省下幾百塊美元。

At home:
居家:

Keeping with household expenses and bills, you probably already turn off the lights when you leave a room and unplug gadgets when you aren't using them, right? But there are some other small changes you can make that can help you save even more around the house. For example, did you know that most utility companies charge more for electricity during different parts of the day? Peak hours, like the middle of the day, when more people are using electricity, often have substantially higher rates compared to early mornings or late at night. Doing your laundry or running your dishwasher off peak can likely help you save on your utility bill. You can check out your utility company's website to see if they list their peak hours or contact them directly.
為了控管家庭開銷和帳單,你或許已經在離開房間時關燈,然後在未使用時拔掉電器插頭了,對吧?不過你還可以做其它小改變來幫你在住家省更多。例如,你知道多數公用事業公司在一天中不同時段會收比較多電費嗎?尖峰時間,像是中午,比較多人在用電時,通常較清晨或深夜會有高出許多的價格。在離峰時間洗衣服或用洗碗機可能可以幫你省下水電費。你可以到你所屬公共事業公司的網站看看他們是否有列出尖峰時間,或直接聯繫他們。

Transportation:
交通:

Let's move on to transportation. Gas prices can be unpredictable, but technology could be a way to help you save. There are plenty of websites and apps that can help you locate which gas station in your area might be offering the cheapest prices. And depending on how often you drive and where you live, you may consider ditching your car altogether. Public transportation might be one option, and there are a number of car-sharing programs that allow you to affordably rent vehicles short term. And for the truly dedicated, how about biking? It's certainly a cost-effective and healthy alternative to both driving and public transportation.
讓我們來看交通方面吧。油價可能無法預測,但科技可以是幫你省錢的一個辦法。有很多網站和應用程式,它們可以幫你找出在你那區的哪個加油站可能提供最低價格。而根據你開車的次數和居住的地點,你或許可以考慮乾脆不要有車。大眾運輸可能是一種選擇,另外還有一些讓你在可負擔範圍內短期租車的汽車共享方案。而真正的超級省錢王,騎腳踏車怎麼樣?這絕對是開車和大眾運輸外,一個划算又健康的選擇。

Entertainment:
娛樂:

It can be easy to follow others into overspending, but try getting creative and occasionally plan activities with your friends and family ahead of time that can help you avoid temptations, like a spontaneous meal out.
跟著別人一起超支可能很容易,但試著有些巧思,偶爾和家人朋友預先安排一些活動,那些活動可以幫你避免誘惑,像是臨時外出用餐。

Keeping your mind on your money:
花心思在你的金錢上:

Saving money doesn't have to mean sacrificing fun! It pays to take some time to figure out where you're spending and what you're willing to cut back on. You don't necessarily have to do the math on every single decision you make, but being mindful of where your money is going and how simple trade-offs here or there can add up over the long run can help you get creative and find your own ways to trim costs every day.
省錢不見得表示要犧牲樂趣!花些時間弄清楚你把錢花在什麼地方,然後你願意在什麼東西上減少花費是會有回饋的。你不一定要精打細算每個決定,不過注意你的金錢流向,還有在這裡或那裡作出簡單的平衡長期下來會怎樣聚沙成塔,可以幫你變得有創意,並找到你專屬的日常節省開銷方法。

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