華爾街的賺錢經(jīng) 第36期:改善經(jīng)濟(jì)狀況 從這些做起(1)

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Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that's worked for me.

一般而言，經(jīng)濟(jì)狀況的改善會(huì)促進(jìn)幸福感的提升。因此，我認(rèn)為有必要將我個(gè)人認(rèn)為很受用的方法與大家分享。

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 frugality, to eliminating debt, to saving as much as I can.

盡管最近我妻子和我都辭職了，我卻認(rèn)為我們現(xiàn)在的經(jīng)濟(jì)狀況是有史以來最好的。這大多是你們一一我親愛的讀者們的功勞，同時(shí)還多虧了我一直以來奉行的“方針”——厲行節(jié)約、杜絕負(fù)債、能省則省。

Here's what works for me.

以下是我認(rèn)為很有用的技巧：

Use cash

使用現(xiàn)金

Instead of charging things to credit cards or debit 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 have.

在可以使用現(xiàn)金的場合，例如餐廳、加油站、以及超市，一定要使用現(xiàn)金而不是刷信用卡或借記卡。使用現(xiàn)金能讓你更加真切地感受自己的消費(fèi)行為，此外，這也便于你更好地掌握自己的經(jīng)濟(jì)狀況，避免入不敷出的情形出現(xiàn)。

Small weekly savings transfers

每周轉(zhuǎn)存點(diǎn)錢

I got this idea from my friend Trent at The Simple Dollar, who automatically deducts $20 a week from his checking to savings. I decided that I could live with $40/week without really feeling it--it's a relatively small transfer that I barely notice, and I save about $2, 000 a year on top of my larger bi-weekly savings transfers.

我有一個(gè)在 Simple Dollar工作的朋友，他叫特倫特。他每周都從開支中留出20美元并存到一個(gè)固定的賬戶。受他的啟發(fā)，我決定每周拿出40美元存起來——40美元其實(shí)不算多，它完全不影響我的日常生活質(zhì)量。一年下來，我竟然存下了2000美元——這都是每周轉(zhuǎn)存40美元的功勞。