http://www.sina.com.cn 2008年12月11日 13:24
Q. With the country in a recession, your 401(k) losing money and companies laying off workers left and right, you know it would be a good idea to cut back on your spending while you’re at work. What are some ways to do this?
A. Start with the money you spend on food and drink. Avoid impulsive spending on food and other items by leaving credit cards at home and bringing only cash with you to work. Decide what you can spend while at work during the week and put that amount into an envelope, said Dayana Yochim, a personal finance expert with the Motley Fool, the financial advice Web site.
答：从在饮食上省钱开始做起。把留在家里，只带现金上班，避免在这方面冲动消费。 咨询网站Motley Fool的个人理财专家Dayana Yochim建议，可以计划好一周的正常开销，把这笔钱装进一个信封里。
“This brings a mindfulness to spending — it’s not $5 here, $5 there,” she said.
Bringing lunch to work, even two or three times a week, cuts down on food costs, said Susan M. Cooper, a certified financial planner and manager of the New York metro branch office of AXA Advisors. A survey conducted in October by ConAgra Foods showed that workers spent an average of $6.60 a day buying lunch.
AXA Advisors纽约办公室的注册理财规划师、经理Susan M. Cooper建议大家至少每周两到三次自带便当上班。ConAgra食品公司十月份调查研究上班族平均每天午餐花费为6.60美元。
Try bringing breakfast foods to work, too, like dry cereal and milk or instant oatmeal, and you won’t be tempted to buy an expensive pastry or muffin on the way into the office, she said.
Consider starting a snack pool, by asking co-workers if they want to donate a snack like granola bars or crackers to share with the group, said Beth Pinsker Gladstone, editor of WalletPop.com, a personal finance advice site.
个人理财网站WalletPop.com的编辑Beth Pinsker Gladstone则建议员工之间共享零食。
And try eliminating both your morning and afternoon latte. Bring in a French press — which you can get for under $20 — and make your own rich cup of coffee whenever you want, Ms. Cooper suggested.
“If you skip the twice-daily coffee you can save $30 a week,” she said. “That’s $120 a month and about $1,500 a year.”