★英語聽力頻道為大家整理的英語聽力練習mp3： 避免金錢白白浪費，供大家參考。更多閱讀請查看本站英語聽力頻道。
學會如何花錢將避免浪費。根據(jù)下面這些精明的小措施，不要再讓錢白白流走。
Learning how you spend your money can keep you from wasting it. Stop throwing money out the window with these smart moves.
你需要
You Will Need
退休賬戶
Retirement account
儲蓄賬戶
Savings account
現(xiàn)金
Cash
毅力
Willpower
借書證
Library card
步驟
Steps
1.利用雇主提供的退休基金
STEP 1 Take employer matching
充分利用雇主提供的退休基金。
Take advantage of retirement funds your employer matches.
2.存錢
STEP 2 Save money
把省下來的錢存在利率的賬戶。
Save your money in accounts that pay high interest.
打電話給銀行，看一下都有哪些利率的賬戶。
Call your bank to see what high interest accounts are available.
3.購買合適的數(shù)量
STEP 3 Buy appropriate amounts
如果是大宗消耗品，可以批量購買。如果你大量購買的物品最終扔掉了，那你根本沒有省到錢。
Buy in bulk only if you consume in bulk. You are not saving money if what you buy in bulk eventually gets thrown away.
4.用現(xiàn)金支付
STEP 4 Pay in cash
用現(xiàn)金支付。如果你花了許多時間剪優(yōu)惠券最終只能支付用信用卡購物的利息，那你也是在浪費錢。
Pay in cash. You are wasting money when you spend time cutting coupons only to pay interest when you pay for your purchases with a credit card.
5.拒絕沖動購物
STEP 5 Resist impulse purchases
避免沖動購物。問一下自己，你是否真的需要這個物品，你是否能夠擔負得起。如果你不是真的需要，利用意志力克制自己，避免不必要的花費。
Stop making impulse purchases. Ask yourself if you really need the item and if you can afford it. If you don't really need it, use yourwillpower and avoid the unnecessary expense.
不要僅僅因為促銷而花錢購買自己不需要的東西。
Do not buy items that you will not use just because they are on sale.
6.拒絕
STEP 6 Buy generic
購買一般品牌的物品，比如處方藥和雜貨，而不是。
Buy generic brand items, such as prescriptions and groceries, instead of name brands.
7.取消健身館會員資格
STEP 7 Cancel gym membership
如果很少使用的話，取消健身館會員資格，步行或騎自行車來鍛煉身體。
Cancel your gym membership if you are not using it, and walk or bike to get around.
8.戒煙
STEP 8 Quit smoking
戒煙。你的錢包和身體都會感謝你。
Quit smoking. Both your wallet and body will thank you.
9.獲得保險費率
Step 9 Get best insurance rates
確保你的保險費率是惠的，可以打電話給競爭者確認。
Make sure you are getting the best insurance rates by calling your current carrier's competition.
10.去圖書館
Step 10 Visit your library
去當?shù)貓D書館借閱音樂，圖書和電影，這樣是免費的，或者收費很低。
Visit your local library to rent music, books, and movies for free or for a minimal fee.
2006年之前，聯(lián)邦政府每年花費150億至250億美元來維修未使用或空置的政府機構建筑。
As of 2006, the federal government spent between $15 and $25 billion annually maintaining unused or vacant agency buildings.
學會如何花錢將避免浪費。根據(jù)下面這些精明的小措施，不要再讓錢白白流走。
Learning how you spend your money can keep you from wasting it. Stop throwing money out the window with these smart moves.
你需要
You Will Need
退休賬戶
Retirement account
儲蓄賬戶
Savings account
現(xiàn)金
Cash
毅力
Willpower
借書證
Library card
步驟
Steps
1.利用雇主提供的退休基金
STEP 1 Take employer matching
充分利用雇主提供的退休基金。
Take advantage of retirement funds your employer matches.
2.存錢
STEP 2 Save money
把省下來的錢存在利率的賬戶。
Save your money in accounts that pay high interest.
打電話給銀行，看一下都有哪些利率的賬戶。
Call your bank to see what high interest accounts are available.
3.購買合適的數(shù)量
STEP 3 Buy appropriate amounts
如果是大宗消耗品，可以批量購買。如果你大量購買的物品最終扔掉了，那你根本沒有省到錢。
Buy in bulk only if you consume in bulk. You are not saving money if what you buy in bulk eventually gets thrown away.
4.用現(xiàn)金支付
STEP 4 Pay in cash
用現(xiàn)金支付。如果你花了許多時間剪優(yōu)惠券最終只能支付用信用卡購物的利息，那你也是在浪費錢。
Pay in cash. You are wasting money when you spend time cutting coupons only to pay interest when you pay for your purchases with a credit card.
5.拒絕沖動購物
STEP 5 Resist impulse purchases
避免沖動購物。問一下自己，你是否真的需要這個物品，你是否能夠擔負得起。如果你不是真的需要，利用意志力克制自己，避免不必要的花費。
Stop making impulse purchases. Ask yourself if you really need the item and if you can afford it. If you don't really need it, use yourwillpower and avoid the unnecessary expense.
不要僅僅因為促銷而花錢購買自己不需要的東西。
Do not buy items that you will not use just because they are on sale.
6.拒絕
STEP 6 Buy generic
購買一般品牌的物品，比如處方藥和雜貨，而不是。
Buy generic brand items, such as prescriptions and groceries, instead of name brands.
7.取消健身館會員資格
STEP 7 Cancel gym membership
如果很少使用的話，取消健身館會員資格，步行或騎自行車來鍛煉身體。
Cancel your gym membership if you are not using it, and walk or bike to get around.
8.戒煙
STEP 8 Quit smoking
戒煙。你的錢包和身體都會感謝你。
Quit smoking. Both your wallet and body will thank you.
9.獲得保險費率
Step 9 Get best insurance rates
確保你的保險費率是惠的，可以打電話給競爭者確認。
Make sure you are getting the best insurance rates by calling your current carrier's competition.
10.去圖書館
Step 10 Visit your library
去當?shù)貓D書館借閱音樂，圖書和電影，這樣是免費的，或者收費很低。
Visit your local library to rent music, books, and movies for free or for a minimal fee.
2006年之前，聯(lián)邦政府每年花費150億至250億美元來維修未使用或空置的政府機構建筑。
As of 2006, the federal government spent between $15 and $25 billion annually maintaining unused or vacant agency buildings.