双语阅读：5种省钱的健康生活方式

　　英文阅读：5种省钱的健康生活方式

　　Most of us are looking for more ways to save money. But, we get so wrapped up in ways to save on outings, products and activities that we overlook the budget changes we can make in our everyday lives.

　　大多数人都在寻找更多方法省钱，但是他们费尽脑筋在旅游费用、购买的物品和外出活动这些项目上省钱，而忽视了日常生活中可以节省的开销。

　　It's easy to save on things we want to do, but it's also important to save on the things we have to do. Here are five ways you can turn mundane, everyday activities into opportunities to save some cash.

　　在想做的事情上省钱很容易，而在必须去做的事情上省钱也很重要。通过以下5种方式，每天平凡无奇日常活动也可以成为省钱的机会。

　　Go green:

　　1.绿色生活

　　As environmental issues become more prominent, there are more and more options to buy and use environmentally-friendly products. The best part is that going green isn't just great for the environment; it's also great for your bank account.

　　随着环境问题日益显著，环保产品的选择越来越多。绿色生活不仅对环境有利，还能帮你省钱。

　　Water bottles are perfect for those on-the-go activities, but we all know that plastic isn't good for the environment, let alone your pocketbook. A better option is to use your own home-filtered water. There are very sophisticated water filters on the market that will allow you to filter your own water and save big on your grocery bill. They can get expensive, but the initial investment of a water filter will save you hundreds of dollars a year in the long run.

　　瓶装水便于随身携带，可众所周知，塑料不利于环境，就更谈不上省钱了。比较好的办法是过滤自家的水。市场上有各种各样复杂的过滤器，可以帮你过滤水并且节省生活开支。虽然过滤器的价格都不太便宜，不过从长远来看，初期的投入可以为你一年节省几百美元。

　　If you're still using incandescent bulbs, you're wasting time and energy. Compact fluorescent lamp bulbs (CFLs) are the most efficient bulbs for your home and your wallet. They last much longer than incandescent bulbs and cost much less than other economically-friendly choices.

　　如果你还在用白炽灯泡，那么你就是在浪费时间和能源。节能灯对你的家庭有益也能省钱。节能灯比白炽灯的持久性强，而且比其他环保灯泡更便宜。

　　Get car maintenance:

　　2.定期进行汽车保养

　　Regular car maintenance is extremely important in saving money. Now of course, this is a service, so you will have to spend money. But, getting regular oil changes, tire rotations and checkups will lower your risk of car trouble. I don't know about you, but I'd much rather spend every 4,000 to 5,000 miles than have to pay for major car maintenance or a new car altogether.

　　定期汽车做保养非常有助于省钱。没错，这确实是一项需要花钱的服务，不过定期更换机油、进行轮胎保养和检查车辆会降低汽车故障的风险。我不知道你会怎么做，我宁愿每行驶4、5千英里花上40美元，也不愿意一次为汽车维护付一大笔钱或者干脆买辆新车。

　　Make it automatic:

　　3.自动支付账单

　　Paying bills and credit card debt can be quite the task. You have to remember when to pay each bill, how much you owe, how you make your payment for each company, login information and so on. It can be exhausting. Luckily, there's also a more efficient way.

　　支付帐单和信用卡还款是很重要的事情。要记住什么时候付清哪笔账，欠了多少钱，怎么给公司付款，登录信息等等，实在是让人筋疲力尽。不过，幸运的是，有一种更高效的方法。

　　Most banks have you covered on this one and will let you set up automatic payments. Sometimes you have the same option directly through the company you're buying from. This way, you don't have to stress about what day it is and when everything is due. Plus, you'll save a lot of money dodging late fees.

　　大多数银行都有设有自动还款的功能。有时候借款公司也有这种选项。如此一来，你就不必担心什么时候还账，账单什么时候到期了。另外，你还省下了逾期付款要缴纳的滞纳金。

　　Keep it out of sight and out of mind:

　　4.随身携带现金

　　I know it seems crazy to carry cash around when technology has passed up the need for paper money, but hear me out on this one. Carrying cash with you makes you consciously think about how much money you're spending. You can physically see the payment you're making and feel your stack of cash shrinking. Try it out for a few weeks and see if it makes a difference in your spending habits.

　　我知道随身携带现金听起来有点傻，因为如今科技的发展令人们不再需要纸质钱，不过就这点请听听我的看法。随身携带现金可以提醒你花了多少钱。你亲眼看见钱花出去，看到它一点一点变少。试过几周以后，看看你的消费习惯是否有所改变。

　　I find this tactic extremely helpful when I'm on a vacation or a shopping spree. It's difficult to keep up with how much you're spending when you're having fun. If you have the bills in your hand, it's a little difficult to use the excuse that you didn't realize how much you were spending.

　　我发现这种方法在度假和疯狂购物得时候十分奏效。尽情玩乐的时候很难弄清到底花了多少钱。如果钱拿在手里，再无法再用自己不知道花了多少钱当借口了。

　　What do you do to save money on a daily basis?

　　你每天怎么省钱呢?

　　5.眼不见心不想

　　Regularly putting money in your savings account is vital for emergencies. When you need emergency money, it's much more efficient to spend money from your own bank account than to use a credit card. You'll save a ton on interest if you have a healthy savings ready when you need it.

　　定期存款以备不时之需是很重要的。急需用钱时，用银行账户里的钱要比刷信用卡方便多了。如果你有一个健康的存款账户，随时为突发事件做好准备，那么你可以在汇率上可以省一大笔钱。

　　Put a portion of your paycheck into savings before you even see it. You can set up an automatic draft from your checking account to your savings account, or you can make the switch yourself every time you get paid. (I do it this way, because it makes me feel good, like I accomplished something.) This ritual will eventually just feel like a tax coming out of your paycheck, and you won't even notice it's gone. By moving a portion of your pay to savings as soon as you get paid, you'll lower the risk of spending that money on things you don't really need.

　　在工资拿到手之前就先存起来一部分。可以从资账户自动转账到存款账户中，或者你也可以自己做这项工作(我是这么做的，因为这样感觉很好，很有成就感)。最终当它成为一种习惯时，就好像交税一样，还没有注意到这笔钱就没有了。一发工资就存起一部分钱可以防止你把这些钱花在不需要的东西上。

　　Carry cash with you:

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