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应对危机:上班时间的省钱高招(图)

http://www.sina.com.cn 2008年12月11日 13:24   沪江英语
应对危机:上班时间的省钱高招(图)
上班时间也有很大的省钱空间哦

  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?

  问:全国经济不景气,

养老金帐户里的钱在流失,周围的公司都在裁员,我很清楚的认识到现在有必要在上班时继续省钱了。有什么办法做到呢?

  (译注:401(K)是指美国的401K计划,也称为401K条款,是指美国1978年《国内税收法》第401条K项的规定。它是一种由企业和员工共同出资建立养老金账户的一项特殊的养老金制度,适用于私人盈利性公司。)

  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

信用卡留在家里,只带现金上班,避免在这方面冲动消费。
理财
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.

  “这样可以促使你谨慎消费,不会这儿花五块,那儿花五块。”

  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.

  她同时建议也可以带些干谷物、牛奶和即食燕麦作为早餐,以避免在路上冲动买下昂贵的糕点。

  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.

  Ms. Cooper建议大家减免早上和中午的咖啡消费,花上不到20美元买一个法式压滤壶,就随时都能为自己冲调一杯咖啡了。

  “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.”

  “如果你省掉每天两次的咖啡钱,一周就能省下30美元,一个月就能省120美元,一年就能省下1500美元。”

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