如何省钱_省钱的一些技巧

如何省钱

I met with some family friends today, at their request, to do a simple financial and debt analysis and come up with some ideas on how they could save money month to month.

今天，我应他们的要求会见了一些家庭朋友，对他们进行了简单的财务和债务分析，并提出了一些关于如何每月储蓄的想法。

Here's the list they left with:

这是他们留下的清单：

• Don't get tricked by Irregular Pay Periods - If one spouse is paid "every other Weds" and one is paid on the 1st and the 15th, pick one schedule to go with. For example, take the every other Weds paycheck and deposit it into a separate account and "pay yourself" on the 1st and the 15th.

  不要被不定期的支付期限所欺骗-如果一个配偶被“支付给其他所有婚姻”，而一个配偶在第一和第十五支付，则选择一个时间表。 例如，将所有其他Weds薪水支票存入一个单独的帐户，然后在1日和15日“自己付款”。

• Be aware of Irregular Bills - Have an interest bearing account where you pay a "simulated monthly bill" (much like a mortgage escrow account behaves) that builds up until the yearly/biyearly payment comes out.

  注意不定期的账单-有一个计息账户，您可以在该账户中支付“模拟的月度账单”(就像抵押代管账户的行为一样)，直到每年/每两年还清一次。

• Turn off everything in the house (as if you were on a trip) - When you go out for a long trip you likely prepare the house by turning things off. Why not do this all the time and work out a system where minimal things are on while you're at work? LCD or not, your computer monitor is a big light bulb. Forget screen savers, just turn it off.

  关闭房子里的所有东西(就像在旅行一样)-外出长途旅行时，您可能会通过关闭东西来准备房子。 为什么不一直这样做，并设计出一个在工作时只需要最少的东西的系统？ 液晶显示器与否，您的计算机显示器是一个大灯泡。 忘记屏幕保护程序，只需将其关闭即可。

• Save for Property Taxes Monthly - In Oregon, Yearly Property Taxes tend to sneak up on folks. Save for those taxes, and everything irregular, in a regular way like your paycheck. Money in, money out, same every month, makes for a predictable lifestyle.

  每月节省财产税-在俄勒冈州，每年的财产税往往会悄悄溜走。 除这些税款外，还可以像薪水一样定期收取所有不正常的款项。 每个月都花钱，花钱，这是可以预见的生活方式。

• Call the Electric Company – Some electric companies give out Coupons for High Efficiency Lighting (fluorescent). Call yours.

  致电电力公司–一些电力公司会发出高效照明(荧光灯)优惠券。 打电话给你。

• Library Book/Videos Box near the Front Door - Don't pay late fees. Leave a shoebox near the door you leave from. Make it a habit to put things like library books and rental videos in that box and take them with you as you walk out.

  前门附近的图书馆图书/视频盒-不支付滞纳金。 在您离开的门附近放一个鞋盒。 养成习惯，将诸如图书馆书籍和租借视频之类的东西放在那个盒子里，然后随身携带它们。

• Minimize Cell Phone Time - Somehow you survived the 80s and 90s without a cell phone. Save $75 a month or more by getting the plan that is the cheapest and hang up while driving.

  最大限度地减少手机时间-不使用手机，您以某种方式在80年代和90年代生存下来。 通过获得最便宜的计划并在开车时挂断，每月可节省75美元或更多。

• Check Tire Pressure Weekly - Get a tire pressure gauge, or better yet, check your pressure everytime you fill up. Good tire pressure can get you another 5 MPG or more.

  每周检查轮胎压力-获取轮胎压力表，或者更好的是，每次加油时都要检查压力。 良好的轮胎压力可以使您再提高5 MPG。

• Know not just your Car's Mileage but your Dollars Per Mile - How much does it cost you to drive a mile? Is it 80 cents to the video store to rent a two dollar video? Maybe you should walk, or ride a bike.

  不仅要知道汽车的行驶里程，还要知道每英里的美元-行驶一英里要花多少钱？ 租用两美元的视频到视频商店要80分吗？ 也许您应该走路或骑自行车。

• • Fill up, write down ODO. Drive. Fill up, write down ODO. Take Miles Driven and divide by Gallons. That is your Miles Per Gallon. Then take the price of a gallon of gas and divide by your Miles Per Gallon. That’s how much it costs to drive one mile.
    填满，写下ODO。 驾驶。 填满，写下ODO。 行驶英里数，再乘以加仑。 那就是你的每加仑英里数。 然后，以一加仑汽油的价格除以您的每加仑英里数。 那就是开车一英里要花多少钱。

• Consolidate Trips - If you're out, get all your errands done in one trip. Avoid the "hub and spoke" model of returning home and heading out.

  整合行程-如果您外出旅行，请一次完成所有差事。 避免返回家外出走的“胡言乱语”模式。

• Cancel the local paper delivery - You pay for Internet, use it.

  取消本地纸质投递-您需要付费使用互联网。

• Cut Coupons and avoid waste - Bread lasts longest tightly bound in its bag, in the dark. Put Fruit in a paper sack in your fridge. Close lids.

  减少优惠券并避免浪费-面包在黑暗中持续最长的紧紧捆在袋子里。 将水果放在冰箱的纸袋中。 关上盖子。

• Consolidate Insurance - Is your home and car insurance with different companies? You might get a discount if you consolidate.

  合并保险-您在不同公司的房屋和汽车保险吗？ 如果您合并，可能会获得折扣。

• Store Credit Cards are Satan - Cut up and close Store Cards. Call your existing Credit Cards and ask them if they can lower your rate. If they want your business, they will. Otherwise, leave them.

  商店信用卡是Satan-切分并关闭商店卡。 给您现有的信用卡打电话，问他们是否可以降低您的利率。 如果他们想要您的业务，他们会的。 否则，离开他们。

• Know how your Cash Flows monthly - Monthly is usually the way to go if you're paid monthly or on the 1st and 15th. If not, find a boundary that works for you and get your life's inputs and outputs into a simple CASHIN-CASHOUT=SOMELEFTOVERCASH equation. Then, take the left over cash and save it. Take your checkbook down to some agreed upon number. We always "level off" to $300. Then next month you'll get a paycheck(s) and pay bills. Take the SOMELEFTOVERCASH-$300 and save it. Rinse, Repeat.

  知道您每月的现金流-如果每月或在1号和15号付款，通常是按月进行。 如果不是，请找到适合您的边界，并将您一生的输入和输出转化为简单的CASHIN-CASHOUT = SOMELEFTOVERCASH公式。 然后，将剩余的现金取走并保存。 将您的支票簿降至约定的数量。 我们总是“稳定下来”到$ 300。 然后，下个月您将获得薪水和账单。 取SOMELEFTOVERCASH- $ 300并保存。 冲洗，重复。

It was a fun evening and everyone left feeling a little more empowered and prepared to take action. If not these actions, some action.

那是一个有趣的夜晚，每个人都感到更加有权力，并准备采取行动。 如果没有这些动作，则采取一些动作。

翻译自: https://www.hanselman.com/blog/some-tips-for-saving-money

如何省钱