華爾街的賺錢經(jīng) 第25期:投資捷徑與陷阱(3)

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Get On a Budget

精打細(xì)算

Thrift is the new black. That means getting on a budget, measuring exactly what you spend and looking for ways to save money. Perhaps you are eating out more than you appreciate or spending too much on a cup of coffee. Budgeting is a lost discipline for many people and one that should be rediscovered.

節(jié)儉正當(dāng)時。這意味著精打細(xì)算，認(rèn)真思忖你的開支，尋找省錢良方。也許你外出就餐的次數(shù)超出了你的設(shè)想，或是在咖啡上花的錢太多。預(yù)算對很多人都缺乏約束力，現(xiàn)在應(yīng)該重新認(rèn)識這點(diǎn)了。

There are several free Web sites, such as Mint.com, Ouicken.com and Wesave.com, that can help you sort out your spending.

有不少免費(fèi)網(wǎng)站，如 Mint.com、 Quicken.com和 Wesave. com，這些網(wǎng)站可以幫助你甄別開支。

You upload password information for your credit cards and other accounts, and the sites aggregate and sort the data, so you can see how much you're spending on, say, groceries , eating out and movies. You can then track your spending habits over time and make adjustments to save money.

你只要上傳你的信用卡和其他賬戶的密碼信息，這類同站 就會對數(shù)據(jù)進(jìn)行匯總和分類，這樣你就可以看到你在食品、外出就餐和電影等方面的支出情況了。然后，你可以跟蹤一段你的消費(fèi)習(xí)慣，為了省錢，并作出一些調(diào)整。

Guard Against Inflation

謹(jǐn)防通脹

Currently, inflation is a relative nonissue.

目前，通貨膨脹基本還不算一個問題。

Yet, many things are taking place that could raise the specter of inflation in rapid order.

然而，正在發(fā)生的許多事情可能讓通貨膨脹的幽靈迅速出現(xiàn)。