华尔街的赚钱经 改善经济状况 从这些做起(3)

Cook at home

在家就餐

I know, it seems more difficult than eating out. But it doesn't have to be hard. Not only is this much cheaper than eating out, it's healthier.

我知道你肯定会说这比下馆子麻烦多了。其实，在家做饭并非那么困难。比起外出就餐，自己做饭不但更经济实惠，还更加健康营养。

Exercise

运动

Staying healthy is the best way to avoid costly¹ medical bills later.

保持强健的体魄等于节省昂贵的医疗费。

Use the envelope system

利用信封理财

It's the same idea as using cash for spending, but in addition you use envelopes to split your spending cash into categories.

这与使用现金是一个道理，只不过你需要用信封为你的开支分类。

My non-bills categories are groceries, gas and miscellaneous spending. Three envelopes, and when they're empty, I've spent my allotment.

我的非支票支出分类如下：日常食品、天然气和其他杂项支出。当这三个信封一空，我就不再乱花钱了。

Talk with your lover weekly

每周与你的爱人聊聊天

It's important that you and your significant other be on the same page. A weekly meeting of just 20 minutes. Communication is the key.

你的爱人是否与你同步是很重要的。建议你们每周开个20分钟的小会。总之，沟通是关键。

The spreadsheet tracker hack²

电子记账法

There are expensive programs like MS Money, Quicken, and the like that will do amazing things with your financial information.

购买诸如微软出品的理财通、Ouicken及其他类似软件是很费钱的，但他们处理各类财务信息的功能也的确是不错的。

There are even free ones, on your desktop³ or online, that can do all kinds of things.

你甚至可以从你的软件库里或网上，找到具有此类功能的免费安装程序。

1 costly   

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。

2 hack   

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。

3 desktop   

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？