當(dāng)你手頭緊的時(shí)候，你會(huì)使用哪些技巧?

Betterways
Don’t spend money on stupid things - bottled drinks, crap processed food, etc. Learn to cook dishes based on beans. Manicures. Cable TV.
High-cost cell phone plans. Check out Mint Mobile. Buy refurbished. Far cheaper to buy a certified refurbished or last year’s overstock phone and Mint Mobile than using any plan that includes a “free” phone.
Adjust your thermostat and turn things off.
Limit driving. Combine trips.
Shop resale.
Cut your own hair if you can. This is easy for long hair. Easy to trim bangs. And for men with short hair, easy with those electric clippers.
Do not run up credit card bills. If you can’t pay in full, don’t buy it.
Keep your bank balances so you don’t end up paying overdraft fees and the like. IF you can’t then you may need to close the account.
I wouldn’t know much about the bank fee issue as I’ve never been this broke. Partly because I always do the other things I listed.

不要在愚蠢的事物上浪費(fèi)金錢(qián)——比如瓶裝飲料、劣質(zhì)加工食品等；學(xué)習(xí)用豆類(lèi)制作菜肴；避免做美甲和訂閱昂貴的有線電視服務(wù)。
選擇低成本的手機(jī)套餐，比如Mint Mobile。購(gòu)買(mǎi)翻新或去年的庫(kù)存手機(jī)，這比使用那些所謂“免費(fèi)”手機(jī)的計(jì)劃要?jiǎng)澦愕枚唷?br /> 調(diào)整你的恒溫器溫度，并關(guān)掉不必要的電器。
盡量減少開(kāi)車(chē)次數(shù)，合并出行計(jì)劃。
購(gòu)買(mǎi)二手商品。
如果可能的話，自己剪發(fā)。對(duì)于長(zhǎng)發(fā)來(lái)說(shuō)，修剪劉海很容易；對(duì)于短發(fā)男士，使用電動(dòng)剪發(fā)器也很簡(jiǎn)單。
不要無(wú)節(jié)制地使用信用卡。如果不能全額支付，就不要購(gòu)買(mǎi)。
保持銀行賬戶余額充足，避免支付透支費(fèi)等費(fèi)用。如果做不到，你可能需要關(guān)閉賬戶。
我對(duì)銀行費(fèi)用問(wèn)題不太了解，因?yàn)槲覐奈慈绱素毨А２糠衷蚴俏铱偸菆?jiān)持上述列出的做法。

David Lewis
First, make and stick to a budget. That will make sure that you spend as much money as you can while saving.
Cut out unnecessary expenses, like eating out, and try to cook at home.
Use cashback apps like Rakuten, chaching.me or Honey, all are good ways to save on shopping, adn while it may not give you that much, anything saved makes a difference.
Shop secondhand, avoid using credit cards that you can’t pay off.
Keep yourself entertained cheaply, instead of seeing a movie, go for a walk.

首先，制定預(yù)算并嚴(yán)格遵守。這樣可以確保你在儲(chǔ)蓄的同時(shí)，能有效地使用資金。
削減不必要的開(kāi)支，比如減少外出就餐，盡量在家做飯。
使用像Rakuten、chaching.me或Honey這樣的返現(xiàn)應(yīng)用程序，這些都是在購(gòu)物時(shí)節(jié)省開(kāi)支的好方法。雖然節(jié)省的金額可能不多，但積少成多。
購(gòu)買(mǎi)二手商品，若不能還清，就避免使用信用卡
尋找低成本的娛樂(lè)方式，比如散步，而不是去看電影。

Dale Raby
Money has always been tight. Here are some of the things that I do:
Stay away from restaurants.
Follow the Mexicans. Shop where they shop.
Keep money in banks that you have to drive to in order to get the money.
If you have a surplus of money… like at tax refund time, buy some gold and/or pay off any outstanding bills. If you don’t have cash on hand, you won’t spend it.
Give any potential wife the paper and pencil test. Give her a piece of paper and a pencil. Tell her to set up a household budget. If she stares at you with a confused expression, pay for her drink and leave. If, however, she draws a “T” on the paper, labels one column “expenses” and the other column “revenue”, then starts asking questions related to income, bills and possibly hard assets if she extends this rudimentary income statement to a balance sheet, that one is a “keeper”.
Don’t buy new cars.

錢(qián)一直很緊張，以下是我做的一些事情:
遠(yuǎn)離餐館。
向墨西哥人學(xué)習(xí)，去他們購(gòu)物的地方購(gòu)物。
把錢(qián)存在必須開(kāi)車(chē)去取錢(qián)的銀行。
如果你有額外的資金，比如退稅時(shí)，購(gòu)買(mǎi)一些黃金或者還清未結(jié)的賬單。如果你手頭沒(méi)有現(xiàn)金，就不太可能隨意花錢(qián)。
讓潛在的伴侶進(jìn)行紙筆測(cè)試：給她一支筆和一張紙，讓她制定一個(gè)家庭預(yù)算。如果她顯得困惑，只需為她買(mǎi)杯飲料然后離開(kāi)。然而，如果她在紙上畫(huà)了一個(gè)“T”字，將一欄標(biāo)記為“支出”，另一欄標(biāo)記為“收入”，并開(kāi)始詢問(wèn)與收入、賬單和可能的固定資產(chǎn)相關(guān)的問(wèn)題，表明她能夠?qū)⑦@個(gè)基本的收入表擴(kuò)展到資產(chǎn)負(fù)債表，那么這樣的女人值得珍惜。
不要購(gòu)買(mǎi)新車(chē)。

If the woman looks expensive, she probably is. Shop for wives in places like libraries, grocery stores and maybe churches. Odds are the goods there will be of better overall quality than those you will find in a tavern.
Pay people what they are worth and don’t try to beat them down. Some day, you might need a favor… and service people have long memories.
Don’t get divorced.
Don’t live in New York City or anywhere in California.
Do NOT have a credit card and don’t borrow money.
Learn the difference between wants and needs. You don’t always get what you want in life. Sometimes that is a good thing. Consider the very real possibility that if the woman tells you “no”, she may be doing you a very big favor.
I am not especially wealthy. I don’t own my own home and I have seldom made much more than minimum wage. I live in an old farm house in the country and drive a 2009 Lincoln Town Car. I have few if any outstanding bills. I keep enough cash on hand to handle current expenses and put the rest into long-term investments… not always the ones my financial advisor(s) suggest.
You cannot live on nothing, but you can live on very little. Our ancestors “made do” with what they had. This is something modern people have forgotten how to do.

如果一位女性看起來(lái)生活奢侈，她很可能確實(shí)如此。你應(yīng)該在圖書(shū)館、雜貨店或者教堂等地方尋找未來(lái)的伴侶。在這些地方，你遇到的人在整體素質(zhì)上可能比在酒吧里找到的要高。
要公平地支付人們應(yīng)得的報(bào)酬，不要試圖貶低或剝削他們。因?yàn)樵谖磥?lái)，你可能需要他們的幫助——記住，服務(wù)行業(yè)的人員記憶力很好。
避免離婚。
不要住在紐約市或加州的任何地方。
不要有信用卡，也不要借錢(qián)。
學(xué)會(huì)區(qū)分想要的東西和真正需要的東西。在生活中，你并不總是能得到你想要的，有時(shí)這其實(shí)是好事?？紤]一下，如果一個(gè)女人拒絕了你，她可能在幫你一個(gè)大忙。
我不是特別富有。我沒(méi)有自己的房子，我的收入很少超過(guò)最低工資。我住在鄉(xiāng)下的一所老農(nóng)舍里，開(kāi)著一輛2009年的林肯·城市 ，我?guī)缀鯖](méi)有未付的賬單。我手頭有足夠的現(xiàn)金來(lái)應(yīng)付日常開(kāi)支，剩下的錢(qián)用于長(zhǎng)期投資，但并不總是像我的財(cái)務(wù)顧問(wèn)建議的那樣。
人不可能不花分文地生活，但你確實(shí)可以靠非常少的錢(qián)過(guò)日子。我們的祖先懂得如何“將就”使用他們所擁有的資源。這是現(xiàn)代人已經(jīng)漸漸忘卻的一種生活智慧。

Lisa Dawson
What are some tips that you use when money is tight?
When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.
Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.

當(dāng)你手頭緊的時(shí)候，你會(huì)使用哪些技巧?
當(dāng)你登錄到銀行賬戶時(shí)，你的儲(chǔ)蓄看起來(lái)如何？可能不像你希望的那樣好。積累(并保持)一筆可觀的儲(chǔ)蓄似乎總是一場(chǎng)艱苦的戰(zhàn)斗。
但如果你的車(chē)壞了，或者你突然有一筆醫(yī)藥費(fèi)該付該怎么辦?
我們不是在評(píng)頭論足——我們不會(huì)那樣做。我們是來(lái)幫助你的。我們只是不希望你為了付一些糟糕的水暖費(fèi)而不得不賣(mài)掉你繼承的貓王簽名的天鵝絨褲子，那條褲子真漂亮。
試試下面的建議，開(kāi)始積累你的財(cái)富，這樣你就可以輕松地呼吸了。

1. No Offense, But if You Don’t Use This Free Tool, You’re Overpaying on Amazon
Wouldn’t it be nice if you got an alx when you’re shopping online at Amazon and are about to overpay?
That’s exactly what this free service does.
Just add it to your browser for free, and before you check out, it’ll check other websites to see if your item is available for cheaper. Let’s say you’re shopping for a new smart vacuum, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact vacuum is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.
In the last year, this has saved people $800 million.
You can get started in just a few clicks to see if you’re overpaying online.

無(wú)意冒犯，但如果你不使用這個(gè)免費(fèi)工具，你在亞馬遜上就會(huì)多付錢(qián)
當(dāng)你在亞馬遜(Amazon)網(wǎng)上購(gòu)物，準(zhǔn)備多付一筆錢(qián)時(shí)，如果能收到提醒，那不是很好嗎?
這正是這項(xiàng)免費(fèi)服務(wù)所發(fā)揮的作用。
只需將它免費(fèi)添加到瀏覽器中，在你結(jié)賬之前，它會(huì)檢查其他網(wǎng)站，看看你的商品是否有更便宜的。假設(shè)你正在要購(gòu)買(mǎi)新的智能吸塵器，你認(rèn)為你已經(jīng)找到了最好的價(jià)格。這時(shí)，你會(huì)收到一個(gè)彈出窗口，告訴你那個(gè)吸塵器是否在其它地方更便宜。如果有可用的優(yōu)惠券，它們也會(huì)自動(dòng)應(yīng)用到你的訂單中。
在過(guò)去的一年里，這已經(jīng)為人們節(jié)省了8億美元。
只需點(diǎn)擊幾下，你就可以看到你是否在網(wǎng)上購(gòu)物時(shí)多付了錢(qián)。

2. Cancel Your Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.
Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

取消你的汽車(chē)保險(xiǎn)
事情是這樣的：你目前的汽車(chē)保險(xiǎn)公司可能在過(guò)高地向你收費(fèi)。但是不要浪費(fèi)時(shí)間在不同的保險(xiǎn)公司之間跳來(lái)跳去，尋找更好的交易。
使用一個(gè)名為EverQuote的網(wǎng)站，一次性查看你所有的選擇。
EverQuote是美國(guó)最大的在線保險(xiǎn)市場(chǎng)，所以你將得到來(lái)自超過(guò)175家不同承運(yùn)人的頂級(jí)選擇。
花幾分鐘回答一些關(guān)于你自己和你駕駛記錄的問(wèn)題。有了這些信息，EverQuote將能夠?yàn)槟闾峁┢?chē)保險(xiǎn)的頂級(jí)推薦方案。只需幾分鐘，你就可以每年節(jié)省高達(dá)610美元。

3. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion
It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.
A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.
It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.
And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.
They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.
It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

只需分享你的誠(chéng)實(shí)意見(jiàn)，每月最多可賺取140美元
聽(tīng)起來(lái)很奇怪，但品牌想聽(tīng)聽(tīng)你的意見(jiàn)。這對(duì)他們做出商業(yè)決策有幫助，所以他們?cè)敢鉃榇讼蚰阒Ц顿M(fèi)用——每月高達(dá)140美元。
一個(gè)名為“品牌調(diào)查”的免費(fèi)網(wǎng)站，如果你與他們的品牌合作伙伴分享你的想法，每份調(diào)查將付給你5美元。每天做三份快速調(diào)查，每個(gè)月最多可以賺到140美元。
只需一分鐘，你就可以創(chuàng)建一個(gè)免費(fèi)賬戶，并開(kāi)始獲得報(bào)酬，說(shuō)出你的想法。大多數(shù)調(diào)查需要5到15分鐘，你可以提前檢查他們需要多長(zhǎng)時(shí)間。
你也不需要積累很多錢(qián)才能提現(xiàn)——一旦你賺到5美元，你可以通過(guò)PayPal、你的銀行賬戶、禮品卡或亞馬遜提現(xiàn)。你會(huì)在48小時(shí)內(nèi)收到報(bào)酬，僅僅因?yàn)槟惴窒砹四愕囊庖?jiàn)。
自2012年以來(lái)，他們已經(jīng)向用戶支付的費(fèi)用超過(guò)2000萬(wàn)美元，最活躍的用戶每月可以賺取幾百美元。此外，他們?cè)凇癟rustpilot（全球的評(píng)論平臺(tái)）”上獲得了“優(yōu)秀”的評(píng)級(jí)。
創(chuàng)建你的賬戶并開(kāi)始通過(guò)參加調(diào)查獲得報(bào)酬，只需一分鐘。另外，現(xiàn)在，只要你成為社區(qū)的一員，你就會(huì)得到一個(gè)免費(fèi)的100點(diǎn)歡迎獎(jiǎng)勵(lì)。

4. Earn as Much as $1K/Month Doing Simple Online Tasks
Is there such a thing as easy money? If you know your way around the web, there certainly is.
That’s because data is currency these days, and many companies are willing to pay cash for it — up to $1,000 per month.
Finding these companies can be time-consuming on your own. But a company called Freecash has compiled all sorts of quick cash tasks from about a dozen advertisers and market research companies thirsty for more data. Freecash has paid out over $13 million to users since 2019.
You can pick and choose your tasks and complete them at your convenience. The coins you earn from each completed task can be converted into things like Visa gift cards, Amazon gift cards, cryptocurrency or cold-hard PayPal cash.
Signing up for a Freecash account is easy and there’s no minimum amount you need to earn before you can cash out. And if you’ve got enough free time on your hands, you can join the ranks of Freecash users making more than $1,000 a month in extra cash.

通過(guò)執(zhí)行簡(jiǎn)單的在線任務(wù)，每月賺取高達(dá)1000美元
有沒(méi)有容易賺到錢(qián)的事?如果你熟悉網(wǎng)絡(luò)，當(dāng)然有。
這是因?yàn)槿缃駭?shù)據(jù)就是貨幣，許多公司愿意支付現(xiàn)金——每月高達(dá)1000美元。
你自己找這些公司可能很費(fèi)時(shí)間。但一家名為Freecash的公司匯編了十幾家渴望獲得更多數(shù)據(jù)的廣告商和市場(chǎng)研究公司提供的各種快速變現(xiàn)任務(wù)。自2019年以來(lái)，F(xiàn)reecash已向用戶支付了超過(guò)1300萬(wàn)美元。
你可以挑選你的任務(wù)，并在你方便的時(shí)候完成它們。你從每一個(gè)完成的任務(wù)中獲得的硬幣可以轉(zhuǎn)換成Visa禮品卡、亞馬遜禮品卡、加密貨幣或PayPal現(xiàn)金。
注冊(cè)一個(gè)Freecash賬戶很容易，在你可以兌現(xiàn)之前沒(méi)有最低金額的限制。如果你有足夠的空閑時(shí)間，你可以加入Freecash用戶的行列，每個(gè)月賺取超過(guò)1000美元的額外現(xiàn)金。

5. Stop Paying Your Credit Card Company
If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.
If you owe your credit card companies $100,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 6.40% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
You don’t need a perfect credit score to get a loan Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

停止向你的信用卡公司付款
如果你有信用卡債務(wù)，你知道的，你永遠(yuǎn)無(wú)法逃脫焦慮、利率、恐懼。
事實(shí)上，你的信用卡公司并不在乎。它只是通過(guò)向你收取高利率——有些高達(dá)36%——來(lái)致富。但是一個(gè)名為AmOne的網(wǎng)站想要提供幫助。
如果你欠信用卡公司10萬(wàn)美元或更少，AmOne會(huì)將你與一個(gè)低利率貸款匹配，你可以用它來(lái)還清你所有的余額。
好處是什么？你將只剩下一個(gè)每月要支付的賬單。由于個(gè)人貸款的利率有更低（AmOne的利率從6.40% 的年化利率開(kāi)始），你將更快地?cái)[脫債務(wù)。另外：本月無(wú)需還款。
你不需要完美的信用評(píng)分就能獲得貸款。另外，AmOne保護(hù)你的信息的隱私和安全，這可能是為什么在經(jīng)營(yíng)20年后，它仍然被美國(guó)商業(yè)局評(píng)為A+的評(píng)級(jí)的原因。
只需不到一分鐘的時(shí)間和10個(gè)問(wèn)題，就可以看到你能獲得哪些貸款——你甚至不需要輸入你的社會(huì)安全號(hào)碼。為了符合條件，你需要給AmOne一個(gè)真實(shí)的電話號(hào)碼，但不用擔(dān)心——他們不會(huì)用電話騷擾你。