【🎧每日 30 分钟英语播客】Your Greatest
共 2 集
剧集目录
| 集 | 标题 | 时长 |
|---|---|---|
| P1 | 【🎧每日 30 分钟英语播客】Your Greatest | 32:07 |
| P2 | 【🎧每日 30 分钟英语播客】Your Greatest | 32:07 |
P1 · 【🎧每日 30 分钟英语播客】Your Greatest Investment Is YOU｜如何在日常生活中省钱和存钱 p01 双语 (P1)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Hello, everyone! | 大家好! 大家好! 你们好! |
| 0:01 | Welcome to our podcast. | 欢迎来到我们的播客。 |
| 0:03 | My name is Anna, and I am so happy you are here with us | 我叫安娜,很高兴你和我们在一起 |
| 0:06 | today. | 今时. |
| 0:07 | This podcast is made for beginner English learners, and every episode is simple, fun, | 这个播客是为初学者而制作 每集都简单有趣 |
| 0:13 | and useful. | 和有用。 和帮助。 |
| 0:14 | Today, we have a very important and practical topic. | 今天,我们有一个非常重要和实际的议题。 |
| 0:18 | We are going to talk about | 我们要谈谈 |
| 0:20 | saving money. | 储蓄 |
| 0:22 | This is something that everyone thinks about. | 这是每个人都想的 |
展开字幕全文（733 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Hello, everyone! | 大家好! 大家好! 你们好! |
| 2 | Welcome to our podcast. | 欢迎来到我们的播客。 |
| 3 | My name is Anna, and I am so happy you are here with us | 我叫安娜,很高兴你和我们在一起 |
| 4 | today. | 今时. |
| 5 | This podcast is made for beginner English learners, and every episode is simple, fun, | 这个播客是为初学者而制作 每集都简单有趣 |
| 6 | and useful. | 和有用。 和帮助。 |
| 7 | Today, we have a very important and practical topic. | 今天,我们有一个非常重要和实际的议题。 |
| 8 | We are going to talk about | 我们要谈谈 |
| 9 | saving money. | 储蓄 |
| 10 | This is something that everyone thinks about. | 这是每个人都想的 |
| 11 | How can you spend less? | 你怎么能少花钱? |
| 12 | How can you | 你怎么能这样 |
| 13 | save more? | 保存更多吗? |
| 14 | These are questions we all ask ourselves. | 这些都是我们自问的问题。 |
| 15 | Whether you are a student, a worker, | 不管你是学生还是工人 |
| 16 | or a parent, saving money is a very useful skill. | 或父母,储蓄是一种非常有用的技能。 |
| 17 | I am joined by my wonderful co-host, Mark. | 我和我的好搭档马克一起 |
| 18 | Mark, | 马克 |
| 19 | say hello and tell us, are you good at saving money? | 跟我们打个招呼 告诉我们 你擅长储蓄吗? |
| 20 | Hello, hello. | 哈罗,哈罗。 |
| 21 | Thank you, Anna. | 谢谢你,安娜。 |
| 22 | Hi to all | 產 |
| 23 | our fantastic listeners. | 我们伟大的听众。 |
| 24 | Am I good at saving money? | 我擅长储蓄吗? |
| 25 | That is a great question. | 问得好 |
| 26 | Honestly, | 说实话 |
| 27 | I have had to learn. | 我不得不学习。 |
| 28 | When I was younger, I spent money very freely and did not think much about | 年轻的时候,我花的钱很自由,没有多想 |
| 29 | saving. | 保存 。 |
| 30 | But over the years, I have learned some very good habits and strategies that have really | 但多年来,我学到了一些 非常好的习惯和战略 |
| 31 | helped me. | 帮我 |
| 32 | Today, Anna and I are going to share practical tips, useful vocabulary, and simple | 今天,安娜和我将分享 实用的提示,有用的词汇,和简单的 |
| 33 | strategies for saving money in everyday life. | 在日常生活中节省资金的战略。 |
| 34 | By the end of this episode, you will have lots of | 到本集结束,你会有很多 |
| 35 | ideas to help you spend less and save more. | 帮助你少花钱多储蓄 |
| 36 | This topic is useful for everyone, no matter your age | 这个话题对大家都有用,不管你多大年纪 |
| 37 | or income. | 或收入。 |
| 38 | Let's begin. | 让我们开始。 |
| 39 | OK, so let's start with the basics. | 好吧,让我们从基础开始。 |
| 40 | What does saving money mean? | 省钱是什么意思? |
| 41 | It simply means keeping some of your money instead of spending all of it. | 它只是意味着保存一些你的钱 而不是花光所有的钱。 |
| 42 | When you save money, | 当你省钱的时候 |
| 43 | you put it somewhere safe, like a bank account, and you do not touch it. | 你把它放在一个安全的地方, 像一个银行账户, 而你不碰它。 |
| 44 | The opposite of saving | 储蓄的反面 |
| 45 | is spending. | 正在花费。 |
| 46 | If you earn $100 and spend $90, you save $10. | 如果你赚了100美元 花了90美元 你省了10美元 |
| 47 | That $10 is your savings. | 那10块是你的积蓄 |
| 48 | A very | 一个非常 |
| 49 | simple way to start saving is the 50-30-20 rule. | 简单的开始保存的方法是50-30-20规则. |
| 50 | This means you spend 50% of your income on needs, | 这意味着你把收入的50%用于需求 |
| 51 | 30% on wants, and save 20%. | 30%是想要的,还有20% |
| 52 | Needs are things you must have, like food and rent. | 需求是你们必须拥有的东西,比如食物和房租. |
| 53 | Sure. | 当然 |
| 54 | The 50-30-20 | 50-30-20号 |
| 55 | rule is a very simple budgeting guide. | 规则是一个非常简单的预算编制指南。 |
| 56 | First, 50% for needs. | 首先,50%的需求。 |
| 57 | Needs are things you cannot live | 需要是无法生存的东西 |
| 58 | rent or mortgage, food, electricity, water, transport to work, and medicine. | 房租或抵押贷款、食物、电力、水、交通和药品。 |
| 59 | Second, 30% | 第二次,30% |
| 60 | for wants. | 为了想要。 |
| 61 | Wants are things that make life enjoyable but are not essential. | 想要的东西 使生活愉快 但并不重要。 |
| 62 | Eating at restaurants, | 在餐馆吃饭, |
| 63 | cinema tickets, new clothes you do not urgently need, hobbies, and entertainment. | 电影票 不需要的新衣服 爱好 娱乐 |
| 64 | Third, 20% for | 第三,20%用于 |
| 65 | savings. | 储蓄。 |
| 66 | This goes directly into your savings account every month. | 这直接进入你的储蓄账户 每个月。 |
| 67 | You should save this money | 你应该省省钱 |
| 68 | before you spend on wants. | 在你花在需求上之前。 |
| 69 | This rule is flexible if you can save more than 20% even better. | 这个规则是灵活的,如果您能保存超过20%甚至更好的话. |
| 70 | The 50-30-20 rule is so simple and easy to remember. | 50-30-20规则如此简单易记. |
| 71 | Now let's talk about budgeting. | 现在让我们谈谈预算问题。 |
| 72 | A budget is a plan for how you will spend and save your money. | 预算是计划如何花费和节省你的钱。 |
| 73 | Making a budget is one of the | 编制预算是 |
| 74 | most important steps in saving money. | 在储蓄方面最重要的步骤。 |
| 75 | To make a budget, first you write down all the money you | 做一个预算,首先你记下所有的钱 |
| 76 | income. | 收入。 |
| 77 | Then you write down all the things you spend money on, your expenses. | 然后记下你花在身上的所有东西 你的花费 |
| 78 | When you can see | 当你看到 |
| 79 | everything written down, it is much easier to understand where your money is going. | 写下来的一切都更容易理解你的钱流向哪里 |
| 80 | You might be surprised. | 你可能会很惊讶 |
| 81 | Many people discover they spend a lot on small things they did not even | 很多人发现他们花了很多钱 在小事上,他们甚至没有 |
| 82 | notice. | 备注。 |
| 83 | Mark, do you have a personal budget? | 马克,你有个人预算吗? |
| 84 | Yes, I do have a budget. | 是的,我有预算。 |
| 85 | I check it every month. | 我每月检查一次 |
| 86 | I use a simple spreadsheet on my computer to track everything, but a notebook and pen works | 我在电脑上用一个简单的电子表格来追踪一切 但笔记本和笔能用 |
| 87 | just as well. | 也一样。 |
| 88 | At the start of every month, I write down my income, the money I receive from work. | 每个月初,我都会记下收入,工作所得. |
| 89 | Then I list all my fixed expenses, things that cost the same every month like rent, | 然后,我列出所有固定开支, 的东西,每个月的费用一样,租金, |
| 90 | internet, and phone bill. | 互联网和电话账单 |
| 91 | Then I estimate my variable expenses, things that change each month | 然后,我估计我的可变开支, 事情改变每个月 |
| 92 | like food, transport, and entertainment. | 喜欢食物,交通,娱乐。 |
| 93 | Finally, I calculate how much I have left to save. | 最后,我计算出我还有多少钱可以省下来。 |
| 94 | The most important thing is to be honest with yourself. | 最重要的是要对自己诚实 |
| 95 | Be honest with yourself? | 对自己诚实? |
| 96 | Such important advice. | 这么重要的建议 |
| 97 | A lot of people avoid making a budget because | 很多人避免预算,因为 |
| 98 | they are afraid to see how much they spend. | 他们不敢看到他们花了多少钱。 |
| 99 | But knowing the truth is the first step to making | 但了解真相是第一步 |
| 100 | changes. | 变化。 |
| 101 | Now, let's talk about needs versus wants. | 现在,让我们谈谈需求与需求。 |
| 102 | Because understanding this difference | 因为了解这种区别 |
| 103 | is really the key to saving money. | 真正的关键 是储蓄。 |
| 104 | A need is something you must have to live and function | 需要的是生活和功能 |
| 105 | normally. | 通常情况下。 |
| 106 | Food, shelter, clothing, and health care. | 食品、住所、衣服和保健。 |
| 107 | A want is something that is nice to have, | 想要的东西是件好事, |
| 108 | but not necessary. | 但没必要 |
| 109 | A new phone when your current one works fine, eating at expensive restaurants, | 在昂贵的餐馆吃饭时 换个新电话 |
| 110 | or buying the latest fashion. | 或者购买最新的时尚。 |
| 111 | Great topic. | 好话题 |
| 112 | Here are some everyday examples. | 这里有一些日常的例子。 |
| 113 | Needs, paying your rent or mortgage each month. | 需要,每月支付房租或抵押贷款。 |
| 114 | You need a place to live. | 你需要一个住的地方。 |
| 115 | Buying basic food like | 买基本食物 |
| 116 | rice, vegetables, bread, eggs, and milk. | 大米、蔬菜、面包、鸡蛋和牛奶。 |
| 117 | Paying your electricity and water bills. | 付水电费 |
| 118 | Having basic | 有基础 |
| 119 | clothing for work and daily life. | 为工作和日常生活着装。 |
| 120 | Transport to get to work. | 运输到工作。 |
| 121 | Basic health care and medicine when | 基本卫生保健和医疗 |
| 122 | you're sick. | 你病了吗? |
| 123 | Now wants, buying a new designer handbag when your current bag works fine. | 现在想,买一个新的设计师手提包 当你现在的包工作正常。 |
| 124 | Ordering takeaway food every evening instead of cooking at home. | 每天晚上都订购外卖食品,而不是在家里做饭. |
| 125 | Subscribing to five different | 订阅五种不同的 |
| 126 | streaming services. | 流媒体服务。 |
| 127 | Buying the newest smartphone model when your current phone is perfectly good. | 买最新的智能手机模型 当你的手机是完全好的。 |
| 128 | Going on an expensive holiday when a cheaper one would also be enjoyable. | 在一个昂贵的节日里,一个更便宜的节日也可以享受。 |
| 129 | Those examples are so clear and easy to understand. | 这些例子非常清楚和容易理解。 |
| 130 | Now let's talk about some very practical and simple ways to save money in daily life. | 现在让我们谈谈一些在日常生活中节省金钱的非常实际和简单的方法. |
| 131 | One of the most effective things you can do is cook at home instead of eating out or ordering | 你能做的最有效的事情之一是在家里做饭 而不是吃饭或点菜 |
| 132 | takeaway. | 带走 |
| 133 | Eating at restaurants and ordering food delivery is much more expensive than cooking your | 在餐馆吃饭和订餐比做饭贵得多 |
| 134 | meals. | 吃饭 |
| 135 | A simple home cooked meal can cost two or three dollars while the same meal from a restaurant | 简单的家煮饭可以花两三块钱 而餐厅的同一份饭 |
| 136 | might cost 15 or 20 dollars. | 可能花费15或20美元。 |
| 137 | If you eat out often this difference adds up to a huge amount every | 如果你经常外出吃东西 这种差异加起来很大 |
| 138 | month. | 一个月。 |
| 139 | Mark, how much money do you think a person can save by cooking at home instead of eating out | 马克,你觉得一个人在家做饭可以省多少钱? |
| 140 | five? | 五个? |
| 141 | The savings from cooking at home are really impressive. | 家里的烹饪节省了很多钱 |
| 142 | Let me give a simple example. | 让我举一个简单的例子。 |
| 143 | Imagine | 想象一下 |
| 144 | you buy lunch from a restaurant or cafe five days a week. | 你每周五天从餐厅或咖啡馆买午餐 |
| 145 | Each lunch costs around 12 dollars. | 每顿午餐要12美元左右 |
| 146 | That is | 这是 |
| 147 | 60 dollars per week on lunch alone and about 240 dollars per month. | 每周仅午餐60美元,每月约240美元. |
| 148 | Now imagine you prepare your | 现在想象你准备 |
| 149 | own lunch at home and bring it to work. | 家里有午餐,带回来工作 |
| 150 | A homemade lunch might cost about two to three dollars per day. | 一次自制的午餐可能每天花费2到3美元左右. |
| 151 | That is around 50 to 60 dollars per month. | 每月大约50至60美元。 |
| 152 | So by simply preparing your own lunch you could save | 所以只要自己准备午餐就可以省钱 |
| 153 | approximately 180 dollars every single month. | 每个月约180美元 |
| 154 | Two thousand dollars a year just from making your own | 一年两千块就靠自己挣 |
| 155 | lunch. | 午饭 |
| 156 | That is incredible. | 这是不可思议的。 |
| 157 | It really shows how small daily habits can add up to huge savings over | 这真的表明,小的日常习惯 可以加起来 巨大的储蓄超过 |
| 158 | time. | 时间。 |
| 159 | Now let's talk about shopping habits because how and where you shop makes a big difference to | 现在我们来谈谈购物习惯吧 因为你的购物方式和地点 |
| 160 | your budget. | 你的预算。 |
| 161 | One great strategy is to always make a shopping list before you go to the supermarket | 一个伟大的策略是在你去超市之前 总是做购物单 |
| 162 | and stick to it. | 并坚持下去。 |
| 163 | When you shop without a list, you often buy things you do not need. | 在没有清单的情况下购物时,经常购买不需要的东西. |
| 164 | This is called | 这叫做 |
| 165 | an impulse purchase. | 一个冲动购买。 |
| 166 | An impulse purchase is when you buy something suddenly, without planning, | 一个冲动购买是 当你突然购买的东西, 没有计划, |
| 167 | just because you feel like it or because it looks good. | 只是因为你觉得喜欢 或因为它看起来不错。 |
| 168 | Mark, do you make shopping lists? | 马克,你有购物清单吗? |
| 169 | Yes, I always make a shopping list before going shopping. | 是的,我总是做一个购物列表之前去购物。 |
| 170 | It really helps me stay focused. | 这真的帮助我保持专注。 |
| 171 | I also | 我也一样 |
| 172 | eat something before I go to the supermarket because when you are hungry, everything looks | 在我去超市前吃点东西 因为当你饿了,一切都看起来 |
| 173 | delicious and you buy much more than you need. | 好吃,你买的比你需要的多得多 |
| 174 | Another great tip is to compare prices. | 另一个大消息是比较价格。 |
| 175 | Look at | 看着 |
| 176 | different shops and different brands before you buy. | 不同的商店和不同的品牌 在购买之前。 |
| 177 | Often a cheaper brand has the same quality | 通常便宜的品牌也有同样的质量 |
| 178 | as an expensive one. | 作为一个昂贵的。 |
| 179 | I also recommend buying in bulk when it makes sense. | 我也建议在合情合理时批量购买. |
| 180 | This means buying | 就是买东西 |
| 181 | larger quantities at once because the price per unit is usually lower. | 由于单位价格通常较低,因此一次增加数量。 |
| 182 | For example, buying a | 例如,购买 |
| 183 | large bag of rice is cheaper per kilogram than buying many small bags. | 大袋大米每公斤比购买许多小袋便宜。 |
| 184 | Eat before you go shopping? | 去购物前吃东西? |
| 185 | That is such simple but brilliant advice. | 这是如此简单而出色的建议。 |
| 186 | Now I want to talk about something very common that | 现在我想谈一些很常见的事 |
| 187 | costs people a lot of money without them realizing it. | 花费了很多人的钱 而他们没有意识到这一点。 |
| 188 | Subscriptions and memberships. | 订阅和成员。 |
| 189 | A subscription | 订阅 |
| 190 | is a regular payment you make, usually monthly, for a service. | 您通常每月为某项服务定期付款。 |
| 191 | For example, streaming services | 例如,溪流服务 |
| 192 | like Netflix or Spotify, gym memberships, magazine subscriptions, or app subscriptions. | 如Netflix或Spotify,健身会员,杂志订阅,或应用订阅. |
| 193 | Many people sign up for these services and then forget about them, but the money keeps coming out | 很多人报名参加这些服务,然后忘了他们,但钱不断出来 |
| 194 | of their account every month. | 他们每个月的账户。 |
| 195 | This is called a subscription trap. | 这被称为订阅陷阱. |
| 196 | Mark, how can people manage | 马克,人们怎么管理 |
| 197 | their subscriptions better? | 他们的订阅更好吗? |
| 198 | Do you have any tips for our listeners about subscriptions? | 你有关于订阅的提示吗? |
| 199 | The subscription trap is very real and very expensive. | 订阅陷阱非常真实和昂贵. |
| 200 | Here's what I recommend. | 我建议你这样 |
| 201 | First, | 首先,我们... |
| 202 | make a list of every single subscription you currently pay for. | 列出您目前支付的每一笔订阅。 |
| 203 | Write them all down and add | 全部写下来加进去 |
| 204 | up the total cost per month. | 每月增加总费用。 |
| 205 | You might be very surprised. | 你可能会很惊讶 |
| 206 | Second, ask yourself honestly, | 第二,老实问你自己 |
| 207 | do I really use this? | 我真的用这个吗? |
| 208 | If you have a gym membership but only go twice a month, | 如果你有健身会员 但每个月只去两次 |
| 209 | it is probably not worth keeping. | 它可能不值得保留。 |
| 210 | Third, cancel any subscriptions you do not regularly use. | 第三,取消您不经常使用的任何订阅。 |
| 211 | You can always resubscribe later if you miss them. | 如果你想念他们,以后可以重新订阅. |
| 212 | Fourth, look for free alternatives. | 第四,寻找免费的替代品。 |
| 213 | Many streaming | 许多流线 |
| 214 | services have free versions with advertisements. | 服务有免费的广告版本。 |
| 215 | Many books and magazines are available for free | 许多书籍和杂志免费提供 |
| 216 | at your local library. | 在你的本地图书馆。 |
| 217 | Reviewing your subscriptions regularly is such smart advice. | 定期检讨你的订阅是明智的建议 |
| 218 | Now let's talk | 现在让我们谈谈 |
| 219 | something many people find difficult. | 很多人都觉得很困难 |
| 220 | Avoiding unnecessary purchases, especially when there are | 避免不必要的采购,特别是在有 |
| 221 | sales and discounts. | 销售和折扣。 |
| 222 | Sales and special offers can actually make you spend more money, not less. | 销售和特别报价实际上可以让你花费更多的钱,而不是更少. |
| 223 | When you see 50% off, it's tempting to buy something even if you did not plan to buy it and | 当你看到50%的折扣, 它的诱惑买的东西 即使你没有计划买它, |
| 224 | don't really need it. | 没必要 |
| 225 | Shops and websites use many clever tricks to make you want to buy things, | 商店和网站使用许多聪明的技巧 让你想买东西, |
| 226 | like countdown timers, limited stock warnings, and special member prices. | 如倒计时计时器,有限股票警告,以及特殊会员价格. |
| 227 | Mark, how do you | 马克,你好吗? |
| 228 | resist temptation when you see a big sale? | 看见大买卖就不要诱惑? |
| 229 | Do you have any strategies for avoiding unnecessary | 您是否有避免不必要的策略 |
| 230 | spending? | 开销? |
| 231 | This is such a relatable struggle. | 这场斗争真是令人振奋 |
| 232 | Here's my best strategy. | 这是我最好的策略 |
| 233 | Before buying anything that was | 在买东西之前 |
| 234 | not on my planned list, I wait 24 hours. | 不在我的计划名单上, 我等待24小时。 |
| 235 | This is called the 24-hour rule. | 这叫24小时规则 |
| 236 | If I still want the item | 如果我还想要那东西 |
| 237 | the next day, I think about whether I really need it and whether I can afford it. | 第二天,我考虑我是否真的需要它,以及我是否负担得起它。 |
| 238 | Often, the next | 经常是下一个 |
| 239 | day, I realize I didn't really want it. | 一天,我意识到我不是真的想要它。 |
| 240 | It was just the excitement of the moment. | 只是当时的兴奋 |
| 241 | Another strategy | 另一个战略 |
| 242 | is to ask yourself three questions before buying. | 买东西前要问三个问题 |
| 243 | Do I need this? | 我需要这个吗? |
| 244 | Can I afford this? | 我能买得起吗? |
| 245 | Do I already | 已经是了 |
| 246 | have something similar? | 有类似的东西吗? |
| 247 | These simple questions can save you from many impulse purchases. | 这些简单的问题可以让你免于许多冲动购买. |
| 248 | The | 那个 |
| 249 | 24-hour rule is brilliant. | 24小时的规则很聪明 |
| 250 | I am going to start using that immediately. | 我马上开始使用它。 |
| 251 | Now let's talk about | 现在让我们谈谈 |
| 252 | saving money on energy and utilities at home, because this is an area where many people can | 在家中节省能源和公用设施的资金,因为这是一个许多人可以的领域 |
| 253 | save quite a lot without changing their lifestyle very much. | 省了很多钱,没有改变他们的生活方式 |
| 254 | Utilities are services like electricity, | 公用事业是电力等服务, |
| 255 | water, gas, and heating. | 水,气,加热。 |
| 256 | Small habits can make a big difference to your utility bills. | 小习惯会对你的水电费产生很大影响. |
| 257 | For example, | 举例来说, |
| 258 | turning off lights when you leave a room, unplugging electronic devices when you are not using them, | 离开房间时关掉灯, 不使用电子设备时打开灯, |
| 259 | taking shorter showers, washing clothes at a lower temperature, and using energy-efficient light | 洗澡时间缩短,在较低温度下洗衣服,使用节能灯 |
| 260 | bulbs. | 灯泡。 |
| 261 | Mark, have you made any changes at home to reduce your energy bills? | 马克,你有没有做任何改变 在家里减少你的能源账单? |
| 262 | What has made the most | 是什么让最大 |
| 263 | difference for you? | 对你不同? |
| 264 | Yes, I have made several changes at home. | 是的,我在家里做了一些改变。 |
| 265 | The most effective one was | 最有效的是 |
| 266 | switching to LED light bulbs throughout my home. | 我整个家都换上LED灯泡 |
| 267 | They use about 75% less electricity than traditional | 他们使用的电量比传统低75% |
| 268 | bulbs and last much longer, so you save money twice on electricity and on replacement bulbs. | 灯泡和更长的时间, 所以你节省了两次钱 在电力和替换灯泡。 |
| 269 | I also started setting my heating to a lower temperature at night and when I'm not at home. | 晚上和不在家的时候 我开始把暖气调低 |
| 270 | Just programming the thermostat correctly saved me a noticeable amount on my heating bill every | 刚刚编程的恒温器 正确地给我节省了一个显著的数量 我的加热账单 |
| 271 | month. | 一个月。 |
| 272 | Another big one, I started washing my clothes at 30 degrees instead of 60 degrees. | 我开始用30度而不是60度来洗衣服 |
| 273 | This uses much less electricity and the clothes get just as clean for normal washing. | 这用电量要少得多,衣服也一样干净,可以正常清洗. |
| 274 | Start small, such important and encouraging advice. | 开始小的,如此重要和令人鼓舞的建议。 |
| 275 | Even $10 a month becomes $120 in a year, | 一个月十块,一年一百二十块 |
| 276 | and that is a great start. | 这是一个伟大的开始。 |
| 277 | Now let's talk about an emergency fund, because this is a very important | 现在让我们谈谈一个紧急基金, 因为这是一个非常重要的 |
| 278 | concept in personal finance. | 个人财务概念。 |
| 279 | An emergency fund is money that you save specifically for unexpected | 紧急基金是专为意外节省的钱 |
| 280 | problems or emergencies. | 问题或紧急情况。 |
| 281 | For example, your car suddenly needs an expensive repair. | 例如,你的车突然需要昂贵的修理. |
| 282 | You lose your | 你输了 |
| 283 | job unexpectedly. | 工作出乎意料地。 |
| 284 | You have a sudden medical expense not covered by insurance. | 你突然有医疗费用 保险不支付。 |
| 285 | Without an emergency | 没有紧急情况 |
| 286 | fund, you might need to borrow money or use a credit card and pay high interest. | 您可能需要借钱或使用信用卡并支付高额利息。 |
| 287 | Yes, I do have | 是的,我确实有 |
| 288 | I think it is absolutely essential. | 我认为这是绝对必要的。 |
| 289 | Without one, any unexpected expense can become a major financial | 如果没有一个,任何意外开支都可能成为主要的财政开支。 |
| 290 | crisis. | 危机。 |
| 291 | I built mine gradually over about two years. | 我建造我的 大约两年。 |
| 292 | I started by saving one month of expenses, | 我开始节省一个月的费用 |
| 293 | then two, and then eventually reached my goal of four months. | 然后两个,然后最终达到我的目标 四个月。 |
| 294 | I keep this money in a separate | 我把钱分了 |
| 295 | savings account that I do not touch unless there is a genuine emergency. | 储蓄账户,我不碰 除非有真正的紧急情况。 |
| 296 | An important rule, | 一个重要的规则, |
| 297 | replenish the fund as soon as possible after using it. | 使用后尽快补充资金. |
| 298 | If you use $200 from your emergency fund, | 如果你用紧急基金中的200美元 |
| 299 | your next priority is to replace that $200 before anything else. | 你下一个优先事项是先换掉那200美元 |
| 300 | Peace of mind! | 冷静点! |
| 301 | That is such a perfect way to describe the feeling of having savings behind | 这是描述储蓄背后的感觉的绝佳方法 |
| 302 | you. | 你们 |
| 303 | Now let's talk about debt and how it affects saving. | 现在我们来谈谈债务和它如何影响储蓄。 |
| 304 | Debt is money that you owe to someone else, | 欠别人的钱 |
| 305 | usually a bank or a lender. | 通常是银行或贷款人。 |
| 306 | Common types of debt include credit card debt, student loans, | 常见的债务类型包括信用卡债务、学生贷款、 |
| 307 | and car loans. | 还有汽车贷款 |
| 308 | Debt can make saving very difficult, because when you have debt, you pay interest, | 债务会使储蓄非常困难, 因为当你有债务, 你支付利息, |
| 309 | an extra charge, for borrowing money. | 额外收费,借钱。 |
| 310 | For example, if your credit card charges 20% | 例如,如果你的信用卡收费为20% |
| 311 | interest per year and you have a balance of $500, you pay $100 extra in interest every year, | 每年利息的余额是500美元,每年多付100美元利息, |
| 312 | just for borrowing that money. | 只是借钱而已 |
| 313 | Managing debt and saving at the same time is challenging, | 管理债务和储蓄同时具有挑战性, |
| 314 | but it is possible. | 但这是可能的。 |
| 315 | Here's a simple approach. | 这里有一个简单的方法。 |
| 316 | First, list all your debts, the amount owed, | 首先,列出你所有的债务, 欠款金额, |
| 317 | and the interest rate for each. | 以及每个公司的利率。 |
| 318 | Then prioritize paying off the highest interest debts first. | 然后优先偿还最高的利息债务。 |
| 319 | This is called the avalanche method. | 此所谓雪崩法. |
| 320 | High interest debt, especially credit card debt, | 高息债务,特别是信用卡债务, |
| 321 | grows very quickly if you do not pay it off. | 如果你不还钱,生长得很快 |
| 322 | While paying off debt, try to make more than | 在还债的同时 尽量赚更多 |
| 323 | the minimum payment each month, even a small extra amount. | 每月最低的付款,甚至一笔小的额外款项。 |
| 324 | Even a small extra amount makes | 哪怕是一点额外的钱 |
| 325 | a big difference over time. | 时间的差别很大 |
| 326 | At the same time, still put a small amount into savings every month, | 同时,每个月仍然有少量的储蓄 |
| 327 | even $20. | 甚至20块。 |
| 328 | This keeps the habit alive. | 这让这个习惯得以延续. |
| 329 | The avalanche method, paying off the highest | 雪崩方法,最高回报 |
| 330 | interest debt first, is a great strategy. | 首先,利息债务是一个伟大的战略。 |
| 331 | Now let's talk about a topic that many people | 现在,让我们谈谈一个话题 许多人 |
| 332 | find uncomfortable, comparing your spending habits to others. | 觉得不舒服, 比较你的消费习惯和其他人。 |
| 333 | It is very tempting to spend | 花起来很诱人 |
| 334 | money to match what other people around you own or do. | 钱来匹配你周围的其他人 拥有或做。 |
| 335 | This is called keeping up with the Joneses, | 这叫跟琼斯夫妇在一起 |
| 336 | an English expression that means trying to match the lifestyle of your neighbors or friends. | 一种英语表达方式,意思是尝试适应你的邻居或朋友的生活方式. |
| 337 | For example, if your friend buys a new car, you might feel pressure to buy one too. | 例如,如果你的朋友买了一辆新车,你可能也会感到买一辆的压力. |
| 338 | Or if your colleagues go to expensive restaurants for lunch, | 或者如果你的同事去昂贵的餐馆吃午饭 |
| 339 | you might feel embarrassed to bring a packed lunch. | 你可能觉得丢脸 带来一个收拾好的午餐。 |
| 340 | Keeping up with the Joneses is a real and very common challenge. | 追随琼斯夫妇是一个真正和非常常见的挑战. |
| 341 | Social pressure to spend money | 社会资金支出压力 |
| 342 | is everywhere. | 到处都是 |
| 343 | My advice is to remember that many people who appear to have a lot are actually in | 我的建议是记住很多看起来很多的人 实际上是在 |
| 344 | debt. | 债务。 |
| 345 | The new car, the expensive holidays, the designer clothes, many of these things are bought | 新车 昂贵的节日 设计师的衣服 很多这些东西都是买来的 |
| 346 | on credit. | 信贷。 |
| 347 | Looking wealthy and being financially stable are very different things. | 看上去富有,财政稳定,这是非常不同的事情。 |
| 348 | A more helpful | 一个更有用的 |
| 349 | comparison is to compare yourself to your own past self. | 比较就是比较你自己和过去自己。 |
| 350 | Are you saving more than last year? | 你比去年还省钱吗? |
| 351 | Are your debts smaller? | 你的债还小吗? |
| 352 | Focus on your own financial journey. | 专心于自己的经济旅程. |
| 353 | Also, remember that true friends don't | 还有,记住真正的朋友不会 |
| 354 | care what car you drive or what brand you wear. | 管你开什么车 管你戴什么牌子 |
| 355 | Comparing yourself to your own past self, what a | 把自己比作自己的过去 |
| 356 | healthy and wise perspective. | 健康而明智的观点。 |
| 357 | Now let's talk about saving money on transport. | 现在我们来谈谈在运输上省钱的事 |
| 358 | Because for many people, | 因为对很多人来说, |
| 359 | getting to work and moving around costs a significant amount every month. | 开工和搬家每月要花很多钱 |
| 360 | Common transport expenses include fuel for a car, car insurance, car maintenance and repairs, | 普通运输费用包括汽车燃料、汽车保险、汽车保养和维修、 |
| 361 | parking fees, and public transit tickets. | 停车费和公交车票。 |
| 362 | Some money-saving transport tips. | 一些省钱的运输提示。 |
| 363 | If possible, | 如果可能的话, |
| 364 | use public transport. | 使用公共交通。 |
| 365 | Buses and trains are usually much cheaper than driving a car. | 巴士和火车通常比驾驶汽车便宜得多. |
| 366 | Walk or cycle for short distances. | 步行或循环短距离。 |
| 367 | This is free and also good for your health. | 这是免费的,也有利于你的健康。 |
| 368 | Carpool with colleagues. | 与同事合车. |
| 369 | Share the drive and the cost. | 分享驱动器和成本 |
| 370 | And plan your journeys efficiently to avoid | 计划好你的旅程 避免 |
| 371 | unnecessary trips. | 不必要的旅行。 |
| 372 | I save on transport in a few ways. | 我用几种方式节省运输费用。 |
| 373 | First, I use public transport for most of | 首先,我大部分时间都使用公共交通 |
| 374 | my journeys. | 我的旅程。 |
| 375 | I have a monthly travel card which is much cheaper than buying individual tickets | 我有一张月度旅行卡 比买个人票便宜得多 |
| 376 | each day. | 每天都这样 |
| 377 | Second, I walk for any journey that takes less than 20 minutes on foot. | 第二,我步行去任何步行不到20分钟的旅程。 |
| 378 | It is free, | 这是免费的, |
| 379 | keeps me healthy and I often enjoy it. | 保持我的健康 我常常喜欢它。 |
| 380 | Third, when I do use my car, I plan my route carefully | 第三,当我用我的车时,我会精心规划路线 |
| 381 | to avoid traffic and save fuel. | 避免交通和节省燃料。 |
| 382 | I also do regular car maintenance, keeping the tires | 我也经常修车 保管轮胎 |
| 383 | properly inflated and getting the car serviced on schedule. | 适当充气,并按期为汽车提供服务。 |
| 384 | This prevents expensive repairs | 这可以防止昂贵的修理 |
| 385 | and also saves fuel because a well-maintained car uses less petrol. | 还能节省燃料 因为保养良好的汽车用汽油较少 |
| 386 | Look higher and lower on the | 高点低点 |
| 387 | shelves. | 书架 |
| 388 | I never thought about that, but it makes so much sense. | 我从来没有想过这一点,但它有这么多的道理。 |
| 389 | Now let's talk about saving money | 现在,我们来谈谈省钱的事 |
| 390 | on clothes because clothing can be a significant expense. | 穿衣服,因为衣服可以是一个很大的开支。 |
| 391 | Some practical tips. | 一些实用的提示。 |
| 392 | Shop in sales. | 商店销售。 |
| 393 | Buy clothes at the end of the season when prices are reduced by 50% or more. | 在季末价格降低50%或以上时购买衣服. |
| 394 | Swap or donate | 交换或捐赠 |
| 395 | clothes with friends or family. | 与朋友或家人穿的衣服。 |
| 396 | Buy secondhand or vintage clothing. | 买二手或古衣. |
| 397 | Charity shops and online | 慈善商店和在线 |
| 398 | platforms like eBay or Vinted have great items at very low prices. | eBay 或 Vinted 等平台以非常低的价格拥有巨大的项目。 |
| 399 | Look after the clothes you | 照顾好你的衣服 |
| 400 | already have, wash them properly and repair small damages rather than replacing them. | 已经洗干净了,修复了小损失,而不是替换。 |
| 401 | I love shopping secondhand. | 我喜欢二手购物 |
| 402 | I find great quality clothes at charity shops and online secondhand | 我在慈善店和网上二手店找到高品质的衣服 |
| 403 | platforms for a fraction of the original price. | 用于原价一小部分的平台。 |
| 404 | Some of my favorite and most complemented pieces | 一些我最喜欢和最补充的作品 |
| 405 | of clothing were bought for just a few pounds or dollars. | 买衣服的钱只有几磅或几美元 |
| 406 | I also follow a personal rule called the | 我也遵循一个个人规则,叫做 |
| 407 | cost per wear calculation. | 按磨损计算的费用。 |
| 408 | When I consider buying something, I divide the price by the number of | 当我考虑买东西时,我把价格除以 |
| 409 | I expect to wear it. | 我想戴着它。 |
| 410 | For example, a quality jacket that costs $80, but I will wear 200 times, | 例如,一件质量外套80美元 但我会穿200次 |
| 411 | costs just 40 cents per wear. | 每个磨损只花费40美分 |
| 412 | That is excellent value. | 这是极好的价值。 |
| 413 | Cost per wear. | 每件磨损的费用。 |
| 414 | What an incredibly useful | 多么有帮助啊 |
| 415 | concept. | 概念。 |
| 416 | Now let's talk about saving money on entertainment and leisure because having fun | 现在,让我们谈谈节省钱 在娱乐和休闲 因为有乐趣 |
| 417 | does not have to be expensive. | 不必昂贵。 |
| 418 | There are many wonderful and free or low cost activities. | 有许多精彩和免费或低成本的活动。 |
| 419 | Visit parks, nature reserves, and beaches completely free. | 参观公园,自然保护区,海滩完全免费. |
| 420 | Use your local library. | 使用您的本地图书馆 。 |
| 421 | Books, | 书, |
| 422 | films, magazines, and music are all free with a library card. | 电影、杂志和音乐都可以免费使用图书卡。 |
| 423 | Look for free community events. | 寻找免费的社区活动. |
| 424 | Outdoor concerts, festivals, markets, and exhibitions are often free to attend. | 户外音乐会,节日,市场,展览经常可以自由参加. |
| 425 | Use discount | 使用折扣 |
| 426 | apps and websites to find cheap tickets for cinema, theater, and sports events. | 为电影院、剧院和体育赛事寻找廉价票的应用程序和网站。 |
| 427 | Cook a special meal at | 煮一顿特餐在 |
| 428 | instead of going to an expensive restaurant for a celebration. | 而不是去昂贵的餐厅庆祝 |
| 429 | I love finding free entertainment. | 我喜欢找免费娱乐 |
| 430 | One of my favorite activities is hiking. | 我最喜欢的活动之一是徒步旅行。 |
| 431 | All you need is a pair of good shoes and the rewards are | 你只需要一双好鞋 奖励就是 |
| 432 | spectacular views and a wonderful feeling of achievement, completely free. | 壮观的景色和美妙的成就感,完全自由。 |
| 433 | I also love visiting | 我也喜欢来拜访 |
| 434 | free museums and galleries. | 免费博物馆和美术馆。 |
| 435 | In many cities, the best cultural institutions are free to enter. | 在许多城市,最好的文化机构可以自由进入。 |
| 436 | Reading library books is another favorite. | 阅读图书馆书籍是另一个最受欢迎的. |
| 437 | I read about 30 books a year and pay nothing for them. | 我一年看30本左右的书,却不付任何报酬. |
| 438 | I also enjoy cooking new recipes at home as a form of entertainment. | 我也喜欢在家里做新菜谱作为一种娱乐形式. |
| 439 | It is creative, productive, | 富于创造力和生产力 |
| 440 | and delicious. | 和美味的。 (笑声) |
| 441 | And I love having friends over for a homemade meal instead of going to a restaurant. | 我喜欢有朋友过来吃家常饭 而不是去餐馆 |
| 442 | Much cheaper, much more personal, and often free hiking and free library books. | 更便宜,更个人化,经常免费徒步旅行和免费的图书馆书籍. |
| 443 | Two of my absolute | 两个绝对的 |
| 444 | favorites, too. | 喜欢的,太。 |
| 445 | Now let's do a quiz for our listeners. | 现在让我们做一个测试 我们的听众。 |
| 446 | I will give a situation and Mark | 我会给一个情况和马克 |
| 447 | will suggest the best money saving action. | 将建议最佳的储蓄行动。 |
| 448 | Listeners, think of your answer before Mark | 听好,在马克之前想想你的答案 |
| 449 | speaks. | 说话 |
| 450 | Situation one. | 第一情况 |
| 451 | You want to have coffee every morning. | 你想每天早上喝咖啡吗? |
| 452 | A coffee from a cafe costs four | 咖啡馆的咖啡要四块 |
| 453 | dollars. | 钱 |
| 454 | Making coffee at home costs about 20 cents. | 在家煮咖啡要20美分钱 |
| 455 | You work 20 days a month. | 你一个月工作20天 |
| 456 | Mark, what is the | 马克,什么是 |
| 457 | smart money saving choice here? | 聪明的钱 节省选择权? |
| 458 | And how much would someone save by making coffee at home instead of | 家里煮咖啡能省多少钱? |
| 459 | buying it from a cafe every workday? | 每个工作日从咖啡馆买的? |
| 460 | Great quiz. | 问得好 |
| 461 | If you buy coffee from a cafe every workday, | 如果你每个工作日从咖啡馆买咖啡 |
| 462 | 20 days a month. | 一个月20天。 |
| 463 | At four dollars each, that's 80 dollars per month on coffee. | 每瓶四美元,咖啡每月80美元。 |
| 464 | That is 960 dollars | 960块 |
| 465 | per year. | 每年。 |
| 466 | But if you make coffee at home at 20 cents per cup, that's four dollars per month. | 但如果你在家里每杯20美分的咖啡, 每月4美元。 |
| 467 | So | 这么说 |
| 468 | by making your own coffee, you save 76 dollars per month and about 900 dollars per year, just from | 通过自己煮咖啡,你每月节省76美元,每年节省约900美元。 |
| 469 | this one small change. | 这个小改变 |
| 470 | Of course, you can still treat yourself to a cafe coffee occasionally, | 当然,你还是可以偶尔去喝咖啡 |
| 471 | maybe once a week as a small reward. | 也许每周一次作为小奖赏 |
| 472 | The latte factor. | 拿铁因子. |
| 473 | I love that expression. | 我喜欢这个表情 |
| 474 | Small daily | 小日报 |
| 475 | purchases that seem cheap add up to thousands of dollars a year. | 似乎便宜的收购额每年增加数千美元。 |
| 476 | Now let me give another quiz | 现在让我再试一次 |
| 477 | situation. | 情况 |
| 478 | Situation two. | 第二情况 |
| 479 | You receive your salary on the first of every month. | 你每个月的第一个月都会得到薪水。 |
| 480 | Your salary is 1000 | 你的薪水是一千 |
| 481 | dollars. | 钱 |
| 482 | Your rent is 400 dollars. | 您的租金是400美元。 |
| 483 | Your food budget is 150 dollars. | 你的食品预算是150美元。 |
| 484 | Your transport is 50 | 你的运输工具是50 |
| 485 | dollars. | 钱 |
| 486 | Your utility bills are 80 dollars. | 你的水电费是80美元。 |
| 487 | That is 680 dollars on necessities. | 这是680美元的需求。 |
| 488 | Mark, using the 50 | 马克,用50 |
| 489 | 30 20 rule we discussed at the beginning, how much should this person aim to save every month? | 我们一开始讨论的 30 20 条规则, 这个人应该有多少目标 储蓄每个月? |
| 490 | And | 还有 |
| 491 | how much can they spend on wants, things they enjoy? | 他们能花多少钱去追求他们喜欢的东西? |
| 492 | Great calculation quiz. | 伟大的计算测试。 |
| 493 | The person earns | 一个人挣 |
| 494 | 1000 dollars per month. | 每月1000块. |
| 495 | Using the 50 30 20 rule, 50 percent, 500 dollars should go to needs. | 使用503020规则,50%,500美元应该满足需求. |
| 496 | But | 不过 |
| 497 | their actual needs total is 680 dollars, which is more than 50 percent. | 他们的实际需求总额为680美元,即50%以上。 |
| 498 | In this case, they might | 在这种情况下,他们可能 |
| 499 | need to adjust, perhaps find a cheaper accommodation, reduce their food spending, or find a way to | 需要调整,也许找到更便宜的住所,减少食品开支,或者找到办法 |
| 500 | increase their income. | 增加收入。 |
| 501 | The ideal 20 percent savings would be 200 dollars per month, and the 30 percent | 理想的20%的储蓄是每月200美元,30% |
| 502 | for wants would be 300 dollars. | 想要的就300块 |
| 503 | But if needs already exceed 500 dollars, they need to find other ways | 但是,如果需求已经超过500美元, 他们需要寻找其他方法 |
| 504 | to reduce costs or earn more. | 降低成本或增加收入。 |
| 505 | That was a really useful and realistic calculation. | 这是一个非常有用和现实的计算。 |
| 506 | Real life is not | 现实生活不是 |
| 507 | always perfect, and sometimes adjustments are needed. | 总是完美的,有时需要调整。 |
| 508 | Now let's talk about something very | 现在让我们谈谈非常 |
| 509 | motivating, setting savings goals. | 激励,设定储蓄目标. |
| 510 | A savings goal is a specific target you are working towards. | 一个储蓄目标是一个你正在努力实现的具体目标。 |
| 511 | For example, saving 1000 dollars for an emergency fund, saving 3000 dollars for a holiday, | 例如,为紧急基金节省1000美元,为假日节省3000美元, |
| 512 | saving 500 dollars for a new laptop. | 省了500美元买一台新的笔记本电脑 |
| 513 | Having a specific goal makes saving much more motivating | 有了特定的目标,储蓄就更有动力 |
| 514 | than just saving with no clear purpose. | 不只是没有明确目的的储蓄 |
| 515 | In English, we say, I am saving up for, for example, | 在英语中,我说,我在节省 例如, |
| 516 | I am saving up for a new car, or I am saving up for a holiday. | 我省钱买辆新车 或者省钱放假 |
| 517 | Mark, do you have any current | 马克,你有没有电流 |
| 518 | savings goals? | 储蓄目标? |
| 519 | Yes, having savings goals is incredibly motivating for me. | 是的,有储蓄目标 令人难以置信的激励我。 |
| 520 | Right now, | 现在 |
| 521 | I am saving up for two things. | 我存了两件事 |
| 522 | First, I want to add to my emergency fund. | 首先,我想加入我的紧急基金。 |
| 523 | Second, I am saving for | 第二,我是为 |
| 524 | a trip to Japan, my dream holiday. | 去日本旅行,我的梦想假期 |
| 525 | Knowing exactly what I'm saving for makes it much easier to resist | 知道我存了多少钱 才容易抗拒 |
| 526 | unnecessary spending. | 不必要的开支。 |
| 527 | When I feel tempted to buy something I do not need, I think about my Japan | 当我想买一些我不需要的东西时,我想我的日本 |
| 528 | fund and the temptation usually disappears. | 资金和诱惑通常会消失。 |
| 529 | Another helpful technique is to visualize your goal. | 另一种有用的方法是将你的目标直观化. |
| 530 | Put a photo of your dream destination or item somewhere you see every day. | 把梦幻目的地或物品的照片 放在你每天看到的地方 |
| 531 | This keeps your | 这让你的 |
| 532 | motivation strong. | 动机强烈。 |
| 533 | Savings goals feel like a game you want to win. | 储蓄目标感觉就像一个你想赢的游戏。 |
| 534 | What a great mindset. | 多么伟大的心态。 |
| 535 | Now let's talk about some simple English phrases for talking about money and saving. | 现在让我们来谈谈一些简单的英语短语,用来谈论钱和储蓄. |
| 536 | These are very useful for everyday conversations. | 这些对日常对话非常有用。 |
| 537 | I'm on a tight budget. | 我预算太紧了 |
| 538 | I don't have much money to | 我的钱不多 |
| 539 | spend. | 花费。 |
| 540 | I'm trying to cut back. | 我试图削减。 |
| 541 | I'm trying to spend less. | 我试图少花钱。 |
| 542 | I'm saving up for something. | 我在存钱 |
| 543 | I'm collecting | 我收集起来 |
| 544 | money for a specific purpose. | 专款专用 |
| 545 | I can't afford it right now. | 我现在买不起 |
| 546 | I don't have enough money for it. | 我的钱不够 |
| 547 | That's a good deal. | 善财交易. |
| 548 | The price is very good, lower than expected. | 价格非常好,低于预期. |
| 549 | More useful money phrases. | 更有用钱句. |
| 550 | I'm watching my spending. | 我在看开支 |
| 551 | I am being careful about what I buy. | 我对买的东西很小心 |
| 552 | I'm trying to stick to my budget. | 我试图坚持我的预算。 |
| 553 | I | 一、导 言 |
| 554 | am trying to follow my financial plan. | 我试图遵循我的财务计划。 |
| 555 | It's not worth the money. | 不值钱. |
| 556 | The quality or value does not | 质量或值没有 |
| 557 | match the price. | 与价格相符。 |
| 558 | I found a bargain. | 我找到一个交易。 |
| 559 | I found something very cheap or very good value. | 我发现一些非常便宜或非常有价值的东西。 |
| 560 | I am in | 我进去了 |
| 561 | debt. | 债务。 |
| 562 | I owe money to someone. | 我欠别人钱 |
| 563 | I am debt free. | 我是免债的 |
| 564 | I don't owe them any money. | 我不欠他们钱。 |
| 565 | I've been saving for | 我一直在为 |
| 566 | this purchase. | 购买。 |
| 567 | I planned and saved for this purchase. | 我计划并节省了这笔钱 |
| 568 | That's overpriced. | 这太贵了 |
| 569 | The item costs | 项目费用 |
| 570 | more than it's worth. | 更无余值. |
| 571 | Those money phrases are so practical and natural. | 这些钱的词句非常实用和自然. |
| 572 | Now, let's talk about | 现在,让我们谈谈 |
| 573 | something that many young people struggle with. | 很多年轻人都在挣扎着 |
| 574 | Saving money as a student or on a low income. | 作为学生或低收入者储蓄。 |
| 575 | When your income is small, saving even a little bit can feel impossible. | 当你的收入很少, 储蓄即使一点点 可能感觉不可能。 |
| 576 | But even very small | 但即使很小 |
| 577 | amounts matter. | 金额很重要。 |
| 578 | If you save just $5 per week, that's $20 per month and $240 per year. | 如果你每周只节省5美元, 也就是每月20美元,每年240美元。 |
| 579 | That might | 也许 |
| 580 | sound like a lot, but it builds a habit and habits are the foundation of financial success. | 听起来像很多,但它建立了一个习惯和习惯是财政成功的基础。 |
| 581 | Some specific money saving tips for students. | 给学生省点钱 |
| 582 | Cook your own meals. | 自己煮饭吧 |
| 583 | Use student discounts. | 使用学生折扣. |
| 584 | Many shops, transport companies, and entertainment venues offer discounts for students. | 许多商店,运输公司,娱乐场所为学生提供折扣. |
| 585 | Great tips for students. | 给学生的好建议 |
| 586 | Here are a few more. | 这里还有几个。 |
| 587 | Share accommodation with others. | 与他人共享住宿. |
| 588 | Splitting rent and utility bills with flatmates makes a huge difference to your monthly costs. | 与室友分割租金和水电费 与你的月费有很大的差别 |
| 589 | Walk or cycle to university instead of using transport. | 步行或骑自行车到大学,而不是使用交通工具. |
| 590 | Use your student ID everywhere. | 到处都是学生身份证 |
| 591 | You'll be surprised how many places offer student discounts that are not advertised. | 你会感到惊讶的 有多少地方提供学生折扣 没有广告。 |
| 592 | Cook in large batches and freeze portions. | 大批量烹饪并冻结部分。 |
| 593 | This saves both time and money. | 这既节省时间又节省金钱。 |
| 594 | Avoid buying new gadgets and technology unless absolutely necessary. | 除非绝对必要,否则避免购买新的设备和技术。 |
| 595 | Look for part-time work | 寻找兼职工作 |
| 596 | that fits around your studies. | 适合你的学习。 |
| 597 | Apply for any scholarships or bursaries that you might be | 申请任何奖学金或助学金 |
| 598 | Many students don't apply simply because they don't know these opportunities exist. | 许多学生之所以不申请,只是因为他们不知道这些机会存在. |
| 599 | Cooking in large batches and freezing portions? | 做大批量的烹饪和冰冻部分? |
| 600 | Such a practical and clever tip. | 这么实用和聪明的提示。 |
| 601 | Now I want to | 现在我想 |
| 602 | talk about something a bit different. | 谈一些不同的东西。 |
| 603 | The psychology of money and why saving is sometimes | 钱的心理和为什么储蓄有时 |
| 604 | emotionally difficult. | 感情上很困难 |
| 605 | Many people have complicated feelings about money. | 许多人对金钱有复杂的感觉. |
| 606 | Some people spend money when | 有些人花钱 |
| 607 | they feel stressed or sad. | 他们感到压力或悲伤。 |
| 608 | This is sometimes called retail therapy. | 这有时被称为零售疗法. |
| 609 | Others feel guilty about | 别人觉得内疚 |
| 610 | spending money even when they can afford it. | 即使他们付得起钱 也要花钱 |
| 611 | And some feel anxious when they think about money at | 有些人在想钱的时候感到焦虑 |
| 612 | all. | 都一样 |
| 613 | Understanding your emotional relationship with money is important. | 了解你和钱的感情关系很重要 |
| 614 | Mark, do you think there | 马克 你觉得那里 |
| 615 | is a connection between emotions and spending habits? | 是情感和消费习惯之间的联系吗? |
| 616 | How can people develop a healthier | 人怎样才能健康成长 |
| 617 | relationship with money? | 和钱的关系? |
| 618 | Absolutely. | 当然 |
| 619 | Our emotions and money are deeply connected. | 我们的情绪和金钱是紧密相连的。 |
| 620 | Retail therapy is very real. | 零售疗法非常真实. |
| 621 | Many people shop when they feel unhappy, bored, or stressed, | 很多人在不开心、闷闷或紧张的时候购物 |
| 622 | as a way to feel better in the short term. | 作为短期内感觉好一些的方法. |
| 623 | The problem is that the good feeling is temporary, | 问题是,良好的感觉是暂时的, |
| 624 | and then you have less money and perhaps feel guilty about spending. | 然后你的钱少了 也许对花钱感到内疚 |
| 625 | A healthier approach is | 一个更健康的方法是 |
| 626 | to find non-spending ways to improve your mood when you feel stressed. | 在你感到压力时 寻找非消耗性的方法来改善你的心情 |
| 627 | Exercise, talking to a friend, | 锻炼 和一个朋友说话 |
| 628 | cooking, going for a walk, or reading. | 做饭 散步 或者读书 |
| 629 | Also, try to understand what triggers your spending. | 还有,试着了解是什么触发了你的开支。 |
| 630 | Do you spend more when you are tired? | 你累了会多花钱吗? |
| 631 | When you feel lonely? | 当你觉得孤独的时候? |
| 632 | When you scroll through social media? | 当你通过社交媒体滚动? |
| 633 | Identifying your triggers helps you break the pattern. | 识别触发器有助于打破模式。 |
| 634 | Based on clear values rather than | 基于明确的价值观,而不是 |
| 635 | temporary emotions, that is such a wise and beautiful way to think about money. | 暂时的情绪, 这是一个明智和美丽的方法 思考金钱。 |
| 636 | Now, let me ask a fun question. | 现在,让我问一个有趣的问题。 |
| 637 | Mark, if you had an extra $500 right now that you did not expect, | 马克,如果你现在还有500美元 你没想到, |
| 638 | like a gift or a bonus, what would you do with it? | 像礼物或奖金, 你会怎么做呢? |
| 639 | This is actually a great exercise | 这实际上是一个伟大的练习 |
| 640 | for our listeners, too. | 我们的听众也一样。 |
| 641 | Think about it honestly. | 认真想想 |
| 642 | If you suddenly received extra money, | 如果你突然收到额外的钱 |
| 643 | would you save it, spend it on something you need, spend it on something you want, | 你会保存它, 花在你需要的东西, 花在你想要的东西, |
| 644 | or give some to charity? | 还是给一些慈善? |
| 645 | Your answer reveals a lot about your relationship with money and | 你的回答揭示了很多你与钱的关系 |
| 646 | your financial priorities. | 你的财务优先。 |
| 647 | What an interesting question. | 真是个有趣的问题 |
| 648 | Honestly, my first instinct is to save | 老实说,我的第一个直觉就是拯救 |
| 649 | it. | 这个 |
| 650 | I would put $250 directly into my emergency fund. | 我会把250美元直接投入我的紧急基金。 |
| 651 | That is always my first priority for | 这总是我的首要任务 |
| 652 | unexpected money. | 意外的钱。 |
| 653 | Then I would put $150 into my Japan travel savings goal, and the remaining $100 | 然后,我会把150美元 在我的日本旅行储蓄目标, 剩下的100美元 |
| 654 | I would probably spend on something enjoyable without any guilt. | 我可能花在一件没有罪恶感的快乐上 |
| 655 | Perhaps a nice meal out, | 也许吃顿好饭 |
| 656 | or a book I have wanted to read. | 或者我想读的书 |
| 657 | I think this balance reflects my values. | 我认为这种平衡反映了我的价值观。 |
| 658 | Safety first with | 安全第一 安全第一 安全第一 安全第一 |
| 659 | the emergency fund, goals second, and then enjoyment third. | 紧急基金,目标第二,然后享受第三。 |
| 660 | I never feel guilty about | 我从来不觉得内疚 |
| 661 | spending money on enjoyment when my savings are in a healthy place. | 当我的积蓄在健康的地方时 花钱去享受 |
| 662 | A thoughtful balance, | 一个深思熟虑的平衡, |
| 663 | perfectly said. | 说得好 |
| 664 | Now let's give our listeners a final practical summary of all the money | 现在,让我们给我们的听众 一个最后的实用摘要 所有的钱 |
| 665 | saving tips we discussed today. | 保存我们今天讨论过的小费。 |
| 666 | Here they are in simple, clear language. | 他们用的是简单明了的语言。 |
| 667 | Number one, | 第一个 |
| 668 | make a budget and track your spending. | 做一个预算 跟踪你的开支。 |
| 669 | Number two, use the 50-30-20 rule. | 第二,采用50-30-20规则. |
| 670 | 50% needs, 30% wants, | 50%的需求,30%的需求, |
| 671 | 20% savings. | 储蓄20%。 |
| 672 | Number three, pay yourself first. | 三号,先自付. |
| 673 | Save money before you spend on wants. | 在你花在欲望上之前先省钱 |
| 674 | Number four, build an emergency fund. | 第四,建设应急基金. |
| 675 | Three to six months of expenses. | 三至六个月的费用。 |
| 676 | Number five, cook at home | 五号,在家做饭 |
| 677 | more often and plan your meals. | 更经常地安排你的饭菜 |
| 678 | Number six, review and cancel unused subscriptions. | 第六,审查并取消未使用的订阅. |
| 679 | Number seven, | 7号 |
| 680 | use the 24-hour rule before buying something unplanned. | 在购买计划外的东西之前,使用24小时规则。 |
| 681 | Mark, can you continue the list with | 马克,你能继续列表吗? |
| 682 | a few more tips? | 再给点小费? |
| 683 | Continuing the list. | 继续名单 |
| 684 | Number eight, buy secondhand when possible. | 八号,尽可能买二手 |
| 685 | Clothes, | 衣着, |
| 686 | books, furniture, and electronics. | 书籍、家具和电子产品。 |
| 687 | Number nine, compare prices and buy supermarket-owned | 第九,比较价格,买超市 |
| 688 | brand products. | 品牌产品。 |
| 689 | Number 10, save on energy, LED bulbs, lower washing temperatures, smart heating. | 10号,节省能量,LED灯泡,更低的洗气温度,智能加热. |
| 690 | Number 11, use public transport. | 11号,使用公共交通工具. |
| 691 | Walk or cycle when possible. | 可能时步行或循环. |
| 692 | Number 12, take advantage of free | 12号,利用免费 |
| 693 | entertainment. | 娱乐. |
| 694 | Parks, libraries, free museums, and community events. | 公园、图书馆、免费博物馆和社区活动。 |
| 695 | Number 13, set specific savings | 13号,设置具体节余 |
| 696 | goals to stay motivated. | 目标保持积极性。 |
| 697 | Number 14, identify your emotional spending triggers and find non-spending | 14号 确定你的情绪支出触发器 发现没有支出 |
| 698 | alternatives. | 备选案文。 |
| 699 | And number 15, be patient and consistent. | 和15号,要耐心和一致。 |
| 700 | Saving money is not a race. | 省钱不是比赛 |
| 701 | It is | 没错 |
| 702 | a habit that builds slowly and rewards you greatly over time. | 这种习惯会慢慢地建立起来 并随着时间的推移给你带来很大的回报 |
| 703 | Every small step counts. | 每一步都算数 |
| 704 | What an amazing and comprehensive list. | 多么惊人和全面的清单。 |
| 705 | I hope every listener finds at least three or four ideas | 我希望每个听众都能找到至少三四个想法 |
| 706 | from today that they can start using immediately. | 从今天开始,他们可以立即使用。 |
| 707 | Let me give a final summary of today's episode. | 让我对今天的情况作最后总结。 |
| 708 | We talked about the meaning of saving money, budgeting, needs versus wants, | 我们讨论的是储蓄、预算 需求与需求的意义 |
| 709 | practical daily saving tips, shopping habits, subscriptions, energy savings, emergency funds, | 日常实际节省小费,购物习惯,订阅,节能,应急资金, |
| 710 | debt management, and the psychology of money. | 债务管理,和金钱的心理学。 |
| 711 | We learned lots of useful English vocabulary | 我们学到了很多有用的英语词汇 |
| 712 | and phrases too. | 和语句。 |
| 713 | Whether you are just starting to think about saving or you're already on your | 你只是开始考虑 拯救,还是你已经在你的 |
| 714 | savings journey, I hope today's conversation was helpful, encouraging, and inspiring. | 我希望今天的谈话能有所帮助、鼓舞人心和鼓舞人心。 |
| 715 | Thank you so | 谢谢 |
| 716 | much to every listener who joined us today. | 对今天加入我们的每一个听众来说都是如此。 |
| 717 | See you next time. | 下次见 |
| 718 | Thank you so much, Anna. | 非常感谢,安娜。 |
| 719 | This has | 这已经 |
| 720 | been one of my favorite episodes. | 是我最喜欢的剧集之一 |
| 721 | And a huge thank you to every single listener who spent this time | 感谢你们这段时间的所有听众 |
| 722 | with us today. | 与我们今天。 |
| 723 | Remember, saving money is not about being miserable or denying yourself everything. | 记住,省钱不是 痛苦或否认自己的一切。 |
| 724 | It is about being intentional and making choices that align with your true values and long-term | 而是有意和做出符合你真实价值和长远的选择 |
| 725 | goals. | 目标。 |
| 726 | Every dollar or pound or euro that you save is a vote for your future self. | 你省下来的每一个美元或英镑或欧元,都是你未来自我的选票. |
| 727 | More security, | 更安全一点 |
| 728 | more freedom, more choices. | 更多的自由,更多的选择。 |
| 729 | Start small, be consistent, celebrate every milestone, | 开始小一点,保持一致,庆祝每一个里程碑, |
| 730 | and be patient with yourself. | 耐心点 |
| 731 | Financial habits take time to build but last a lifetime. | 金融习惯需要时间来建立,但持续一生。 |
| 732 | Use the | 使用 |
| 733 | English vocabulary and phrases from today in your real conversations about money. | 从今天起的英语词汇和短语 在你真正的谈话 关于钱。 |
该视频共有字幕 733 条。解锁更多字幕为会员功能，请移动到 价格
P2 · 【🎧每日 30 分钟英语播客】Your Greatest Investment Is YOU｜如何在日常生活中省钱和存钱 p02 英文 (P2)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Hello, everyone! | 大家好! 大家好! 你们好! |
| 0:01 | Welcome to our podcast. | 欢迎来到我们的播客。 |
| 0:03 | My name is Anna, and I am so happy you are here with us | 我叫安娜,很高兴你和我们在一起 |
| 0:06 | today. | 今时. |
| 0:07 | This podcast is made for beginner English learners, and every episode is simple, fun, | 这个播客是为初学者而制作 每集都简单有趣 |
| 0:13 | and useful. | 和有用。 和帮助。 |
| 0:14 | Today, we have a very important and practical topic. | 今天,我们有一个非常重要和实际的议题。 |
| 0:18 | We are going to talk about | 我们要谈谈 |
| 0:20 | saving money. | 储蓄 |
| 0:22 | This is something that everyone thinks about. | 这是每个人都想的 |
展开字幕全文（730 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Hello, everyone! | 大家好! 大家好! 你们好! |
| 2 | Welcome to our podcast. | 欢迎来到我们的播客。 |
| 3 | My name is Anna, and I am so happy you are here with us | 我叫安娜,很高兴你和我们在一起 |
| 4 | today. | 今时. |
| 5 | This podcast is made for beginner English learners, and every episode is simple, fun, | 这个播客是为初学者而制作 每集都简单有趣 |
| 6 | and useful. | 和有用。 和帮助。 |
| 7 | Today, we have a very important and practical topic. | 今天,我们有一个非常重要和实际的议题。 |
| 8 | We are going to talk about | 我们要谈谈 |
| 9 | saving money. | 储蓄 |
| 10 | This is something that everyone thinks about. | 这是每个人都想的 |
| 11 | How can you spend less? | 你怎么能少花钱? |
| 12 | How can you | 你怎么能这样 |
| 13 | save more? | 保存更多吗? |
| 14 | These are questions we all ask ourselves. | 这些都是我们自问的问题。 |
| 15 | Whether you are a student, a worker, | 不管你是学生还是工人 |
| 16 | or a parent, saving money is a very useful skill. | 或父母,储蓄是一种非常有用的技能。 |
| 17 | I am joined by my wonderful co-host, Mark. | 我和我的好搭档马克一起 |
| 18 | Mark, | 马克 |
| 19 | say hello and tell us, are you good at saving money? | 跟我们打个招呼 告诉我们 你擅长储蓄吗? |
| 20 | Hello, hello. | 哈罗,哈罗。 |
| 21 | Thank you, Anna. | 谢谢你,安娜。 |
| 22 | Hi to all | 產 |
| 23 | our fantastic listeners. | 我们伟大的听众。 |
| 24 | Am I good at saving money? | 我擅长储蓄吗? |
| 25 | That is a great question. | 问得好 |
| 26 | Honestly, | 说实话 |
| 27 | I have had to learn. | 我不得不学习。 |
| 28 | When I was younger, I spent money very freely and did not think much about | 年轻的时候,我花的钱很自由,没有多想 |
| 29 | saving. | 保存 。 |
| 30 | But over the years, I have learned some very good habits and strategies that have really | 但多年来,我学到了一些 非常好的习惯和战略 |
| 31 | helped me. | 帮我 |
| 32 | Today, Anna and I are going to share practical tips, useful vocabulary, and simple | 今天,安娜和我将分享 实用的提示,有用的词汇,和简单的 |
| 33 | strategies for saving money in everyday life. | 在日常生活中节省资金的战略。 |
| 34 | By the end of this episode, you will have lots of | 到本集结束,你会有很多 |
| 35 | ideas to help you spend less and save more. | 帮助你少花钱多储蓄 |
| 36 | This topic is useful for everyone, no matter your age | 这个话题对大家都有用,不管你多大年纪 |
| 37 | or income. | 或收入。 |
| 38 | Let's begin. | 让我们开始。 |
| 39 | Okay, so let's start with the basics. | 好吧,让我们从基础开始。 |
| 40 | What does saving money mean? | 省钱是什么意思? |
| 41 | It simply means keeping some of your money instead of spending all of it. | 它只是意味着保存一些你的钱 而不是花光所有的钱。 |
| 42 | When you save money, | 当你省钱的时候 |
| 43 | you put it somewhere safe, like a bank account, and you do not touch it. | 你把它放在一个安全的地方, 像一个银行账户, 而你不碰它。 |
| 44 | The opposite of saving | 储蓄的反面 |
| 45 | is spending. | 正在花费。 |
| 46 | If you earn $100 and spend $90, you save $10. | 如果你赚了100美元 花了90美元 你省了10美元 |
| 47 | That $10 is your savings. | 那10块是你的积蓄 |
| 48 | A very simple | 很简单 |
| 49 | way to start saving is the 50-30-20 rule. | 开始储蓄的方式是50 -30 |
| 50 | This means you spend 50% of your income on needs, | 这意味着你把收入的50%用于需求 |
| 51 | 30% on wants, and save 20%. | 30%是想要的,还有20% |
| 52 | Needs are things you must have, like food and rent. | 需求是你们必须拥有的东西,比如食物和房租. |
| 53 | Sure. | 当然 |
| 54 | The 50-30-20 | 50-30-20号 |
| 55 | rule is a very simple budgeting guide. | 规则是一个非常简单的预算编制指南。 |
| 56 | First, 50% for needs. | 首先,50%的需求。 |
| 57 | Needs are things you cannot live | 需要是无法生存的东西 |
| 58 | without. | 没有。 |
| 59 | Rent or mortgage, food, electricity, water, transport to work, and medicine. | 租房或抵押,粮食,电力,水,交通到工作,以及医药. |
| 60 | Second, | 第二,我们... |
| 61 | 30% for wants. | 30%给想要的。 |
| 62 | Wants are things that make life enjoyable but are not essential. | 想要的东西 使生活愉快 但并不重要。 |
| 63 | Eating at | 吃饭 |
| 64 | restaurants, cinema tickets, new clothes you do not urgently need, hobbies and entertainment. | 餐厅 电影票 不需要的新衣服 爱好和娱乐 |
| 65 | Third, 20% for savings. | 第三,20%的储蓄。 |
| 66 | This goes directly into your savings account every month. | 这直接进入你的储蓄账户 每个月。 |
| 67 | You should save | 你应该救 |
| 68 | money before you spend on wants. | 钱之前,你花在想要。 |
| 69 | This rule is flexible if you can save more than 20% even | 这个规则是灵活的,如果你能节省20%以上 |
| 70 | better. | 好多了,你还好吧? |
| 71 | The 50-30-20 rule is so simple and easy to remember. | 50-30-20规则如此简单易记. |
| 72 | Now let's talk about budgeting. | 现在让我们谈谈预算问题。 |
| 73 | A | 页:1 |
| 74 | budget is a plan for how you will spend and save your money. | 预算是计划如何花费和节省你的钱。 |
| 75 | Making a budget is one of the most | 做一个预算是最 |
| 76 | important steps in saving money. | 节省资金的重要步骤。 |
| 77 | To make a budget, first you write down all the money you receive, | 做一个预算, 首先你记下你得到的所有钱, |
| 78 | your income. | 你的收入。 |
| 79 | Then you write down all the things you spend money on, your expenses. | 然后记下你花在身上的所有东西 你的花费 |
| 80 | When you can see everything written down, it is much easier to understand where your money is | 当你看到写下来的一切, 更容易理解你的钱在哪里 |
| 81 | going. | 继续 |
| 82 | You might be surprised. | 你可能会很惊讶 |
| 83 | Many people discover they spend a lot on small things they | 很多人发现他们花很多钱去做小事 |
| 84 | did not even notice. | 根本没注意到 |
| 85 | Mark, do you have a personal budget? | 马克,你有个人预算吗? |
| 86 | Yes, I do have a budget. | 是的,我有预算。 |
| 87 | I check it every | 我每一次检查一次 |
| 88 | month. | 一个月。 |
| 89 | I use a simple spreadsheet on my computer to track everything, but a notebook and pen works | 我在电脑上用一个简单的电子表格来追踪一切 但笔记本和笔能用 |
| 90 | just as well. | 也一样。 |
| 91 | At the start of every month, I write down my income, the money I receive from work. | 每个月初,我都会记下收入,工作所得. |
| 92 | Then I list all my fixed expenses, things that cost the same every month like rent, internet, | 然后我列出所有固定开支 每月都一样的租金 互联网 |
| 93 | and phone bill. | 还有电话费 |
| 94 | Then I estimate my variable expenses, things that change each month like | 我估计我的可变开支 每个月都会有变化 |
| 95 | food, transport, and entertainment. | 食物 交通 娱乐 |
| 96 | Finally, I calculate how much I have left to save. | 最后,我计算出我还有多少钱可以省下来。 |
| 97 | The most important thing is to be honest with yourself. | 最重要的是要对自己诚实 |
| 98 | Be honest with yourself. | 诚实自在. |
| 99 | Such important | 这么重要 |
| 100 | advice. | 建议。 |
| 101 | A lot of people avoid making a budget because they are afraid to see how much they spend, | 很多人避免预算 因为他们害怕看到自己花了多少钱 |
| 102 | but knowing the truth is the first step to making changes. | 但了解真相是改变的第一步。 |
| 103 | Now let's talk about needs versus wants, | 现在我们来谈谈需求与需求 |
| 104 | because understanding this difference is really the key to saving money. | 因为理解这种差别 才是节省资金的关键 |
| 105 | A need is something you | 需要的东西是你 |
| 106 | must have to live and function normally. | 必须正常生活和工作。 |
| 107 | Food, shelter, clothing, and health care. | 食品、住所、衣服和保健。 |
| 108 | A want is | 一个需求是 |
| 109 | something that is nice to have, but not necessary. | 有些东西是不错的,但没必要 |
| 110 | A new phone when your current one works fine, | 一个新的电话,当你现在的 工作好, |
| 111 | eating at expensive restaurants, or buying the latest fashion. | 在昂贵的餐馆吃饭 或者买最新的时装 |
| 112 | Great topic. | 好话题 |
| 113 | Here are some everyday | 这儿每天都有 |
| 114 | examples. | 实例。 |
| 115 | Needs, paying your rent or mortgage each month. | 需要,每月支付房租或抵押贷款。 |
| 116 | You need a place to live. | 你需要一个住的地方。 |
| 117 | Buying basic food | 购买基本食品 |
| 118 | like rice, vegetables, bread, eggs, and milk. | 如米饭,蔬菜,面包,鸡蛋,和牛奶. |
| 119 | Paying your electricity and water bills. | 付水电费 |
| 120 | Having basic | 有基础 |
| 121 | clothing for work and daily life. | 为工作和日常生活着装。 |
| 122 | Transport to get to work. | 运输到工作。 |
| 123 | Basic health care and medicine when | 基本卫生保健和医疗 |
| 124 | you're sick. | 你病了吗? |
| 125 | Now wants, buying a new designer handbag when your current bag works fine. | 现在想,买一个新的设计师手提包 当你现在的包工作正常。 |
| 126 | Ordering | 订购 |
| 127 | takeaway food every evening instead of cooking at home. | 每天晚上不在家做饭,而是去吃东西。 |
| 128 | Subscribing to five different streaming | 订阅五个不同的流线 |
| 129 | services. | 服务。 |
| 130 | Buying the newest smartphone model when your current phone is perfectly good. | 买最新的智能手机模型 当你的手机是完全好的。 |
| 131 | Going on an expensive holiday when a cheaper one would also be enjoyable. | 在一个昂贵的节日里,一个更便宜的节日也可以享受。 |
| 132 | Those examples are so | 这些例子是如此 |
| 133 | to understand. | 来理解 |
| 134 | Now let's talk about some very practical and simple ways to save money in daily | 现在,让我们谈谈 一些非常实用和简单的方式 节省每天的钱 |
| 135 | life. | 活着 |
| 136 | One of the most effective things you can do is cook at home instead of eating out or ordering | 你能做的最有效的事情之一是在家里做饭 而不是吃饭或点菜 |
| 137 | takeaway. | 带走 |
| 138 | Eating at restaurants and ordering food delivery is much more expensive than cooking your | 在餐馆吃饭和订餐比做饭贵得多 |
| 139 | own meals. | 自己的饭 |
| 140 | A simple home cooked meal can cost two or three dollars, while the same meal from a | 简单的家煮饭可以花两三块钱 而同餐来自 |
| 141 | restaurant might cost 15 or 20 dollars. | 餐厅可能要15或20美元 |
| 142 | If you eat out often, this difference adds up to a huge | 如果你经常外出吃东西 差别就等于很大 |
| 143 | amount every month. | 每月金额。 |
| 144 | Mark, how much money do you think a person can save by cooking at home instead | 马克,你觉得一个人在家里做饭能省多少钱? |
| 145 | of eating out five? | 吃五个? |
| 146 | The savings from cooking at home are really impressive. | 家里的烹饪节省了很多钱 |
| 147 | Let me give a simple | 让我简单一点 |
| 148 | example. | 实例。 |
| 149 | Imagine you buy lunch from a restaurant or cafe five days a week. | 想象一下你每周五天从餐厅或咖啡馆买午餐 |
| 150 | Each lunch costs around | 每顿午餐都要花很多钱 |
| 151 | $12. | 12块 |
| 152 | That is $60 per week on lunch alone and about $240 per month. | 仅午餐每周就有60美元,每月约240美元。 |
| 153 | Now imagine you prepare your own | 现在想象一下你自己准备 |
| 154 | lunch at home and bring it to work. | 回家吃午饭,带回去工作 |
| 155 | A homemade lunch might cost about two to three dollars per | 一次自制午餐可能要花两到三美元 |
| 156 | day. | 日报. |
| 157 | That is around 50 to 60 dollars per month. | 每月大约50至60美元。 |
| 158 | So by simply preparing your own lunch, you could | 所以只要自己准备午餐就可以了 |
| 159 | save approximately $180 every single month. | 每月节省约180美元。 |
| 160 | $2,000 a year just from making your own lunch. | 一年两千块,从自己做午餐开始 |
| 161 | That is | 这是 |
| 162 | incredible. | 不可思议 |
| 163 | It really shows how small daily habits can add up to huge savings over time. | 这确实表明,随着时间推移,小的日常习惯可以增加巨大的储蓄。 |
| 164 | Now let's talk about shopping habits, because how and where you shop makes a big difference to your | 现在我们来谈谈购物习惯吧 因为你的购物方式和地点 |
| 165 | budget. | 预算。 |
| 166 | One great strategy is to always make a shopping list before you go to the supermarket | 一个伟大的策略是在你去超市之前 总是做购物单 |
| 167 | and stick to it. | 并坚持下去。 |
| 168 | When you shop without a list, you often buy things you do not need. | 在没有清单的情况下购物时,经常购买不需要的东西. |
| 169 | This is called | 这叫做 |
| 170 | an impulse purchase. | 一个冲动购买。 |
| 171 | An impulse purchase is when you buy something suddenly, without planning, | 一个冲动购买是 当你突然购买的东西, 没有计划, |
| 172 | just because you feel like it or because it looks good. | 只是因为你觉得喜欢 或因为它看起来不错。 |
| 173 | Mark, do you make shopping lists? | 马克,你有购物清单吗? |
| 174 | Yes, | 对 |
| 175 | I always make a shopping list before going shopping. | 我总是在购物前做购物单 |
| 176 | It really helps me stay focused. | 这真的帮助我保持专注。 |
| 177 | I also eat something before I go to the supermarket, because when you are hungry, | 我还在去超市之前吃点东西 因为当你饿了 |
| 178 | everything looks delicious and you buy much more than you need. | 一切都看起来很美味,你买的比你需要的多很多。 |
| 179 | Another great tip is to compare | 另一个大小费是比较 |
| 180 | prices. | 价格。 |
| 181 | Look at different shops and different brands before you buy. | 在购买前看不同的商店和不同的品牌. |
| 182 | Often a cheaper brand has | 通常一个便宜的品牌 |
| 183 | the same quality as an expensive one. | 和昂贵的一样 |
| 184 | I also recommend buying in bulk when it makes sense. | 我也建议在合情合理时批量购买. |
| 185 | This means buying larger quantities at once, because the price per unit is usually lower. | 这意味着一次购买更大的数量,因为单位价格通常较低. |
| 186 | For example, buying a large bag of rice is cheaper per kilogram than buying many small bags. | 例如,购买一袋大米比购买许多小袋便宜。 |
| 187 | Eat before you go shopping? | 去购物前吃东西? |
| 188 | That is such simple but brilliant advice. | 这是如此简单而出色的建议。 |
| 189 | Now I want to talk about something very common that costs people a lot of money without them | 现在我想谈谈一件很普通的事,没有他们,就花很多钱 |
| 190 | realizing it. | 意识到它。 |
| 191 | Subscriptions and memberships. | 订阅和成员。 |
| 192 | A subscription is a regular payment you make, | 订阅是定期支付, |
| 193 | usually monthly, for a service. | 通常为每月一次的服务。 |
| 194 | 例如,Netflix或Spotify等流媒体服务, | |
| 195 | gym memberships, magazine subscriptions, or app subscriptions. | 体育馆会员,杂志订阅,或应用订阅. |
| 196 | Many people sign up for these | 很多人都报名了 |
| 197 | services and then forget about them, but the money keeps coming out of their account every month. | 服务,然后忘了他们, 但钱总是从他们的账户 每月。 |
| 198 | This is called a subscription trap. | 这被称为订阅陷阱. |
| 199 | Mark, how can people manage their subscriptions better? | 马克,人们怎样才能更好地管理订阅? |
| 200 | Do you have any tips for our listeners about subscriptions? | 你有关于订阅的提示吗? |
| 201 | The subscription trap is very real and very expensive. | 订阅陷阱非常真实和昂贵. |
| 202 | Here's what I recommend. | 我建议你这样 |
| 203 | First, | 首先,我们... |
| 204 | make a list of every single subscription you currently pay for. | 列出您目前支付的每一笔订阅。 |
| 205 | Write them all down and add | 全部写下来加进去 |
| 206 | up the total cost per month. | 每月增加总费用。 |
| 207 | You might be very surprised. | 你可能会很惊讶 |
| 208 | Second, ask yourself honestly, | 第二,老实问你自己 |
| 209 | do I really use this? | 我真的用这个吗? |
| 210 | If you have a gym membership but only go twice a month, | 如果你有健身会员 但每个月只去两次 |
| 211 | it is probably not worth keeping. | 它可能不值得保留。 |
| 212 | Third, cancel any subscriptions you do not regularly use. | 第三,取消您不经常使用的任何订阅。 |
| 213 | You can always resubscribe later if you miss them. | 如果你想念他们,以后可以重新订阅. |
| 214 | Fourth, look for free alternatives. | 第四,寻找免费的替代品。 |
| 215 | Many streaming services have free versions with advertisements. | 许多流媒体服务都有带有广告的免费版本. |
| 216 | Many books and magazines are available for free at your local library. | 当地图书馆可免费提供许多书籍和杂志。 |
| 217 | Reviewing your subscriptions regularly is such smart advice. | 定期检讨你的订阅是明智的建议 |
| 218 | Now let's talk about something many people find difficult. | 现在我们来谈谈 很多人觉得很困难的事 |
| 219 | Avoiding unnecessary purchases, | 避免不必要的采购, |
| 220 | especially when there are sales and discounts. | 特别是当有销售和折扣。 |
| 221 | Sales and special offers can actually make you | 销售和特别报价可以让你 |
| 222 | spend more money, not less. | 花更多的钱,而不是更少。 |
| 223 | When you see 50% off, it's tempting to buy something even if you did | 当你看到50%的折扣, 它的诱惑买东西,即使你这样做 |
| 224 | not plan to buy it and don't really need it. | 不是打算买它,也不是真的需要它。 |
| 225 | Shops and websites use many clever tricks to make you | 商店和网站会用很多巧妙的把戏来让你 |
| 226 | want to buy things, like countdown timers, limited stock warnings, and special member prices. | 想要买东西,比如倒计时器,有限的股票警告,以及特殊会员价格. |
| 227 | Mark, | 马克 |
| 228 | how do you resist temptation when you see a big sale? | 当你看到大买卖时 你怎么抗拒诱惑呢? |
| 229 | Do you have any strategies for avoiding | 您是否有避免 |
| 230 | unnecessary spending? | 不必要的开支? |
| 231 | This is such a relatable struggle. | 这场斗争真是令人振奋 |
| 232 | Here's my best strategy. | 这是我最好的策略 |
| 233 | Before | 在此之前 |
| 234 | buying anything that was not on my planned list, I wait 24 hours. | 买我计划名单上没有的东西 我等了24小时 |
| 235 | This is called the 24-hour rule. | 这叫24小时规则 |
| 236 | If I still want the item the next day, I think about whether I really need it and whether I can | 如果第二天我还想要这个项目,我想我是否真的需要它,我是否能够 |
| 237 | afford it. | 买得起 |
| 238 | Often, the next day I realize I didn't really want it. | 通常,第二天,我意识到 我并不是真的想要它。 |
| 239 | It was just the excitement of the | 这仅仅是兴奋的 |
| 240 | moment. | 等会儿 |
| 241 | Another strategy is to ask yourself three questions before buying. | 另一种策略是在购买之前先问自己三个问题. |
| 242 | Do I need this? | 我需要这个吗? |
| 243 | Can I | 可以吗? |
| 244 | afford this? | 买得起这个吗? |
| 245 | Do I already have something similar? | 我有类似的东西吗? |
| 246 | These simple questions can save you from many | 这些简单的问题可以让你从很多 |
| 247 | impulse purchases. | 冲动购买。 |
| 248 | The 24-hour rule is brilliant. | 24小时的规则很聪明 |
| 249 | I am going to start using that immediately. | 我马上开始使用它。 |
| 250 | Now let's talk about saving money on energy and utilities at home because this is an area where | 现在,让我们谈谈节省 能源和公用事业的钱 在家里,因为这是一个领域 |
| 251 | many people can save quite a lot without changing their lifestyle very much. | 许多人可以节省很多钱,而不改变他们的生活方式。 |
| 252 | Utilities are services | 公用事业是服务 |
| 253 | like electricity, water, gas, and heating. | 像电、水、煤气和暖气 |
| 254 | Small habits can make a big difference to your utility | 小习惯能对你的功用产生很大影响 |
| 255 | bills. | 账单。 |
| 256 | For example, turning off lights when you leave a room, unplugging electronic devices | 例如,离开房间时关灯,打开电子设备 |
| 257 | when you are not using them, taking shorter showers, washing clothes at a lower temperature, | 当你不使用它们, 更短的淋浴, 洗衣服 在较低的温度, |
| 258 | and using energy-efficient light bulbs. | 并使用节能灯泡。 |
| 259 | Mark, have you made any changes at home to reduce | 马克,你在家里有没有做任何改变来减少 |
| 260 | your energy bills? | 你的能源账单? |
| 261 | What has made the most difference for you? | 什么让你大有改观? |
| 262 | Yes, I have made several | 是的,我做了几个 |
| 263 | changes at home. | 在家换衣服 |
| 264 | The most effective one was switching to LED light bulbs throughout my home. | 最有效的是 换到LED灯泡 在我整个家。 |
| 265 | They use about 75% less electricity than traditional bulbs and last much longer, | 他们使用的电量比传统灯泡少75% 并且持续时间更长 |
| 266 | so you save money twice on electricity and on replacement bulbs. | 所以用电和更换灯泡省了两次钱 |
| 267 | I also started setting | 我也开始设定 |
| 268 | my heating to a lower temperature at night and when I'm not at home. | 晚上和不在家的时候 我的温度会降低 |
| 269 | Just programming the thermostat | 只是编程自动调温器 |
| 270 | correctly saved me a noticeable amount on my heating bill every month. | 我每月的暖气费都省了不少钱 |
| 271 | Another big one, | 又一个大的 |
| 272 | I started washing my clothes at 30 degrees instead of 60 degrees. | 我开始用30度而不是60度来洗衣服 |
| 273 | This uses much less | 这用得更少 |
| 274 | and the clothes get just as clean for normal washing. | 衣服也洗得干净 |
| 275 | Start small, such important and | 开始小,如此重要和 |
| 276 | encouraging advice. | 鼓励建议。 |
| 277 | Even $10 a month becomes $120 in a year and that is a great start. | 一个月甚至10美元成为一年中的120美元,这是一个伟大的开端。 |
| 278 | Now let's talk about an emergency fund because this is a very important concept in personal | 现在我们来谈谈一个紧急基金 因为这是个人非常重要的概念 |
| 279 | finance. | 财政。 |
| 280 | An emergency fund is money that you save specifically for unexpected problems or emergencies. | 紧急基金是专用于意外问题或紧急情况的资金。 |
| 281 | For example, your car suddenly needs an expensive repair. | 例如,你的车突然需要昂贵的修理. |
| 282 | You lose your job unexpectedly. | 你突然失业了 |
| 283 | You have | 你有过 |
| 284 | a sudden medical expense not covered by insurance. | 意外医疗费用,不包括在保险范围内。 |
| 285 | Without an emergency fund, you might need to borrow | 没有紧急基金,你可能需要借钱 |
| 286 | money or use a credit card and pay high interest. | 钱或者使用信用卡 付高息 |
| 287 | Yes, I do have an emergency fund and I think it | 是的,我有一个紧急基金 我想它 |
| 288 | is absolutely essential. | 这是绝对必要的。 |
| 289 | Without one, any unexpected expense can become a major financial crisis. | 没有这种支出,任何意外支出都可能成为重大金融危机。 |
| 290 | I built mine gradually over about two years. | 我建造我的 大约两年。 |
| 291 | I started by saving one month of expenses, | 我开始节省一个月的费用 |
| 292 | then two and then eventually reached my goal of four months. | 然后两个,然后最后达到我的目标 四个月。 |
| 293 | I keep this money in a separate | 我把钱分了 |
| 294 | savings account that I do not touch unless there is a genuine emergency. | 储蓄账户,我不碰 除非有真正的紧急情况。 |
| 295 | An important rule, | 一个重要的规则, |
| 296 | replenish the fund as soon as possible after using it. | 使用后尽快补充资金. |
| 297 | If you use $200 from your emergency fund, | 如果你用紧急基金中的200美元 |
| 298 | your next priority is to replace that $200 before anything else. | 你下一个优先事项是先换掉那200美元 |
| 299 | Peace of mind, that is such a perfect way to describe the feeling of having savings behind | 平心静气,这是描述 储蓄背后的感觉的绝佳方法 |
| 300 | you. | 你们 |
| 301 | Now let's talk about debt and how it affects saving. | 现在我们来谈谈债务和它如何影响储蓄。 |
| 302 | Debt is money that you owe to someone else, | 欠别人的钱 |
| 303 | usually a bank or a lender. | 通常是银行或贷款人。 |
| 304 | Common types of debt include credit card debt, student loans, | 常见的债务类型包括信用卡债务、学生贷款、 |
| 305 | and car loans. | 还有汽车贷款 |
| 306 | Debt can make saving very difficult because when you have debt, you pay interest, | 债务会使储蓄变得非常困难 因为当你有债务,你支付利息, |
| 307 | an extra charge for borrowing money. | 借钱额外收费 |
| 308 | For example, if your credit card charges 20% interest per year | 例如,如果您的信用卡每年收取20%的利息 |
| 309 | and you have a balance of $500, you pay $100 extra in interest every year just for borrowing that | 而你有500美元的余额, 你每年额外支付100美元的利息 仅仅用于借款 |
| 310 | money. | 钱 |
| 311 | Managing debt and saving at the same time is challenging, but it is possible. | 同时管理债务和储蓄是一项挑战,但这是可能的。 |
| 312 | Here's a simple | 很简单 |
| 313 | approach. | 办法。 |
| 314 | First, list all your debts, the amount owed and the interest rate for each, then prioritize | 首先列出所有债务、欠款额和利息,然后优先排序 |
| 315 | paying off the highest interest debts first. | 首先偿还最高的利息债务。 |
| 316 | This is called the avalanche method. | 此所谓雪崩法. |
| 317 | High interest debt, | 高息债务, |
| 318 | especially credit card debt, grows very quickly if you do not pay it off. | 特别是信用卡债务,如果你不还的话,增长很快。 |
| 319 | While paying off debt, | 在还债的同时, |
| 320 | try to make more than the minimum payment each month, even a small extra amount. | 尝试每月支付超过最低金额,甚至额外支付少量。 |
| 321 | Even a small | 即使是一个小 |
| 322 | extra amount makes a big difference over time. | 额外金额随着时间推移而变化很大。 |
| 323 | At the same time, still put a small amount into | 同时,仍然投入少量 |
| 324 | savings every month, even $20. | 每个月节省,甚至20美元。 |
| 325 | This keeps the habit alive. | 这让这个习惯得以延续. |
| 326 | The avalanche method, paying off the | 雪崩方法,补偿 |
| 327 | interest debt first, is a great strategy. | 首先,利息债务是一个伟大的战略。 |
| 328 | Now let's talk about a topic that many people find | 现在,让我们谈谈一个话题 人们发现 |
| 329 | uncomfortable, comparing your spending habits to others. | 将你的消费习惯和别人相比较 |
| 330 | It is very tempting to spend money to match | 花钱相配是很诱人的 |
| 331 | what other people around you own or do. | 你身边的其他人 拥有或做什么。 |
| 332 | This is called keeping up with the Joneses, an English | 这叫跟英国人琼斯一家 |
| 333 | expression that means trying to match the lifestyle of your neighbors or friends. | 意思是想适应你邻居或朋友的生活方式 |
| 334 | For example, if your | 比如说,如果你 |
| 335 | friend buys a new car, you might feel pressure to buy one too. | 朋友买辆新车 你可能也觉得有压力买一辆 |
| 336 | Or if your colleagues go to expensive | 或者如果你的同事去昂贵的 |
| 337 | restaurants for lunch, you might feel embarrassed to bring a packed lunch. | 午餐餐厅,你可能会觉得 带一个包装好的午餐。 |
| 338 | Keeping up with the | 保持与 |
| 339 | Joneses is a real and very common challenge. | 琼斯是一个真实和非常常见的挑战. |
| 340 | Social pressure to spend money is everywhere. | 到处都有花钱的社会压力。 |
| 341 | My advice is to remember that many people who appear to have a lot are actually in debt. | 我的建议是记住,很多看起来有很多人实际上欠债。 |
| 342 | The | 那个 |
| 343 | new car, the expensive holidays, the designer clothes, many of these things are bought on credit. | 新车,昂贵的节日,设计师的衣服,这些东西很多都是靠信用购买的. |
| 344 | Looking wealthy and being financially stable are very different things. | 看上去富有,财政稳定,这是非常不同的事情。 |
| 345 | A more helpful comparison | 比较有用 |
| 346 | is to compare yourself to your own past self. | 把自己和过去相比 |
| 347 | Are you saving more than last year? | 你比去年还省钱吗? |
| 348 | Are your | 是你的吗? |
| 349 | debts smaller? | 债务小? |
| 350 | Focus on your own financial journey. | 专心于自己的经济旅程. |
| 351 | Also remember that true friends don't | 也记住真正的朋友不会 |
| 352 | care what car you drive or what brand you wear. | 管你开什么车 管你戴什么牌子 |
| 353 | Comparing yourself to your own past self. | 把自己比作自己的过去 |
| 354 | What a | 这算什么 |
| 355 | healthy and wise perspective. | 健康而明智的观点。 |
| 356 | Now let's talk about saving money on transport because for many people | 现在让我们谈谈在运输上省钱 因为很多人 |
| 357 | getting to work and moving around costs a significant amount every month. | 开工和搬家每月要花很多钱 |
| 358 | Common | 常见 |
| 359 | transport expenses include fuel for a car, car insurance, car maintenance and repairs, | 运输费用包括汽车燃料、汽车保险、汽车保养和维修、 |
| 360 | parking fees, and public transit tickets. | 停车费和公交车票。 |
| 361 | Some money-saving transport tips. | 一些省钱的运输提示。 |
| 362 | If possible, | 如果可能的话, |
| 363 | use public transport. | 使用公共交通。 |
| 364 | Buses and trains are usually much cheaper than driving a car. | 巴士和火车通常比驾驶汽车便宜得多. |
| 365 | Walk or cycle | 步行或自行车 |
| 366 | for short distances. | 为了短距离。 |
| 367 | This is free and also good for your health. | 这是免费的,也有利于你的健康。 |
| 368 | Carpool with colleagues. | 与同事合车. |
| 369 | Share | 份额 |
| 370 | the drive and the cost. | 驱动器和成本。 |
| 371 | And plan your journeys efficiently to avoid unnecessary trips. | 并且高效规划你的旅程 避免不必要的旅行。 |
| 372 | I save on transport in a few ways. | 我用几种方式节省运输费用。 |
| 373 | First, I use public transport for most of my journeys. | 首先,我的大部分旅程都使用公共交通. |
| 374 | I have a monthly travel card which is much cheaper than buying individual tickets each day. | 我有一个月度旅行卡 比每天购买个人票便宜得多。 |
| 375 | Second, I walk for any journey that takes less than 20 minutes on foot. | 第二,我步行去任何步行不到20分钟的旅程。 |
| 376 | It is free, | 这是免费的, |
| 377 | keeps me healthy, and I often enjoy it. | 保持我的健康, 我经常喜欢它。 |
| 378 | Third, when I do use my car, I plan my route carefully | 第三,当我用我的车时,我会精心规划路线 |
| 379 | to avoid traffic and save fuel. | 避免交通和节省燃料。 |
| 380 | I also do regular car maintenance, keeping the tires properly | 我也经常修车,把轮胎妥善保管 |
| 381 | inflated and getting the car serviced on schedule. | 充气并按期为汽车提供服务。 |
| 382 | This prevents expensive repairs and also saves | 这能防止昂贵的修理,还能节省 |
| 383 | fuel because a well-maintained car uses less petrol. | 燃料,因为保养良好的汽车使用较少的汽油。 |
| 384 | Look higher and lower on the shelves. | 在书架上看高低 |
| 385 | I never thought about that, but it makes so much sense. | 我从来没有想过这一点,但它有这么多的道理。 |
| 386 | Now let's talk about saving money on clothes | 现在,让我们谈谈 节省钱的衣服 |
| 387 | because clothing can be a significant expense. | 因为衣物可能是一个巨大的开支。 |
| 388 | Some practical tips. | 一些实用的提示。 |
| 389 | Shop in sales. | 商店销售。 |
| 390 | Buy clothes | 买衣服 |
| 391 | at the end of the season when prices are reduced by 50% or more. | 在季节结束时,当价格下降50%或以上时。 |
| 392 | Swap or donate clothes with friends | 跟朋友换衣服或捐衣服 |
| 393 | or family. | 或家属。 |
| 394 | Buy secondhand or vintage clothing. | 买二手或古衣. |
| 395 | Charity shops and online platforms like eBay | 慈善商店和eBay等在线平台 |
| 396 | or Vinted have great items at very low prices. | 或Vinted以非常低的价格拥有大量物品。 |
| 397 | Look after the clothes you already have. | 照顾好你已经穿的衣服 |
| 398 | Wash | 冲洗 |
| 399 | them properly and repair small damages rather than replacing them. | 适当修复小损失,而不是替换。 |
| 400 | I love shopping secondhand. | 我喜欢二手购物 |
| 401 | I find | 我发现 |
| 402 | great quality clothes at charity shops and online secondhand platforms for a fraction of the original | 慈善商店和在线二手平台的优秀衣服 仅限原版的一小部分 |
| 403 | price. | 价钱。 |
| 404 | Some of my favorite and most complemented pieces of clothing were bought for just a few | 我最爱和最补充的几件衣服 是买下来的 |
| 405 | pounds or dollars. | 英镑或美元。 |
| 406 | I also follow a personal rule called the cost per wear calculation. | 我也遵守个人规则, 叫做每件磨损的费用计算。 |
| 407 | When I consider buying something, I divide the price by the number of times I expect to wear it. | 当我考虑买东西时,我会把价格除以我期望穿它的次数. |
| 408 | For example, a quality jacket that costs $80, but I will wear 200 times, costs just 40 cents per wear. | 例如,一个质量外套 花费80美元, 但我会穿200次, 只需要40美分每件。 |
| 409 | That is excellent value. | 这是极好的价值。 |
| 410 | Cost per wear. | 每件磨损的费用。 |
| 411 | What an incredibly useful concept. | 多么有用的概念。 |
| 412 | Now let's talk about | 现在让我们谈谈 |
| 413 | saving money on entertainment and leisure because having fun does not have to be expensive. | 在娱乐和休闲上省钱,因为玩乐不必花钱。 |
| 414 | There are many wonderful and free or low cost activities. | 有许多精彩和免费或低成本的活动。 |
| 415 | Visit parks, nature reserves and | 参观公园、自然保护区和 |
| 416 | beaches completely free. | 海滩完全免费。 |
| 417 | Use your local library. | 使用您的本地图书馆 。 |
| 418 | Books, films, magazines and music are all free | 书籍、电影、杂志和音乐都是免费的 |
| 419 | with a library card. | 持图书馆卡。 |
| 420 | Look for free community events. | 寻找免费的社区活动. |
| 421 | Outdoor concerts, festivals, markets and | 户外音乐会、节日、市场和 |
| 422 | exhibitions are often free to attend. | 展览往往可以自由参加。 |
| 423 | Use discount apps and websites to find cheap tickets for cinema, | 使用折扣软件和网站为电影院寻找廉价票, |
| 424 | theater and sports events. | 戏剧和体育活动。 |
| 425 | Cook a special meal at home instead of going to an expensive restaurant | 在家煮一顿特别的饭 而不是去贵的餐厅 |
| 426 | for a celebration. | 为庆祝。 |
| 427 | I love finding free entertainment. | 我喜欢找免费娱乐 |
| 428 | One of my favorite activities | 我最喜欢的活动之一 |
| 429 | is hiking. | 是徒步旅行。 |
| 430 | All you need is a pair of good shoes and the rewards are spectacular views and a | 你只需要一双好鞋 奖励是壮观的景色和一双 |
| 431 | wonderful feeling of achievement. | 伟大的成就感。 |
| 432 | Completely free. | 完全免费。 |
| 433 | I also love visiting free museums and galleries. | 我也喜欢参观免费的博物馆和美术馆. |
| 434 | In many cities, the best cultural institutions are free to enter. | 在许多城市,最好的文化机构可以自由进入。 |
| 435 | Reading library books is another | 阅读图书是另一个 |
| 436 | favorite. | 最喜欢的。 |
| 437 | I read about 30 books a year and pay nothing for them. | 我一年看30本左右的书,却不付任何报酬. |
| 438 | I also enjoy cooking new recipes | 我也喜欢煮新菜谱 |
| 439 | at home as a form of entertainment. | 在家里作为一种娱乐形式。 |
| 440 | It is creative, productive and delicious. | 它具有创造性、生产性和美味。 |
| 441 | And I love | 我爱 |
| 442 | having friends over for a homemade meal instead of going to a restaurant. | 有朋友过来吃个自制饭 而不是去餐馆 |
| 443 | Much cheaper, much more | 便宜得多,多一点 |
| 444 | personal and often free hiking and free library books. | 个人的、经常是免费的徒步旅行和免费的图书馆书籍。 |
| 445 | Two of my absolute favorites too. | 我最爱的两个了 |
| 446 | Now let's | 现在让我们 |
| 447 | do a quiz for our listeners. | 给我们的听众做个测验 |
| 448 | I will give a situation and Mark will suggest the best money | 我会给一个情况,马克会建议最好的钱 |
| 449 | action. | 行动。 |
| 450 | Listeners, think of your answer before Mark speaks. | 听着,在马克说话前想想你的答案 |
| 451 | Situation one, you want to have coffee | 首先,你想喝咖啡吗? |
| 452 | every morning. | 每天早上都这样 |
| 453 | A coffee from a cafe costs $4. | 咖啡馆的咖啡要4美元 |
| 454 | Making coffee at home costs about 20 cents. | 在家煮咖啡要20美分钱 |
| 455 | You work 20 days a month. | 你一个月工作20天 |
| 456 | Mark, what is the smart money saving choice here and how much would someone | 马克,什么是聪明的钱 节省的选择,和多少人 |
| 457 | save by making coffee at home instead of buying it from a cafe every workday? | 除了每天在家煮咖啡 而不是从咖啡馆买咖啡? |
| 458 | Great quiz. | 问得好 |
| 459 | If you | 如果你们 |
| 460 | buy coffee from a cafe every workday, 20 days a month, at $4 each, that's $80 per month on coffee. | 每个工作日,每个月20天从咖啡馆买咖啡,每人4美元,咖啡每月80美元. |
| 461 | That is $960 per year. | 每年960美元。 |
| 462 | But if you make coffee at home at 20 cents per cup, that's $4 per month. | 但是,如果你在家里做咖啡 每杯20美分, 这是每月4美元。 |
| 463 | So by making your own coffee, you save $76 per month and about $900 per year, just from this one | 所以,通过自己煮咖啡, 你每月节省76美元 和大约每年900美元, 仅从这个 |
| 464 | small change. | 微小变化. |
| 465 | Of course, you can still treat yourself to a cafe coffee occasionally, maybe | 当然,你还是可以 治疗自己 咖啡偶尔,也许 |
| 466 | once a week as a small reward. | 每周一次作为小报酬 |
| 467 | The latte factor. | 拿铁因子. |
| 468 | I love that expression. | 我喜欢这个表情 |
| 469 | Small daily purchases that | 每日小额采购 |
| 470 | seem cheap add up to thousands of dollars a year. | 似乎廉价加起来每年数千美元。 |
| 471 | Now, let me give another quiz situation. | 现在,让我再做一个测试 |
| 472 | Situation | 情况 |
| 473 | two, you receive your salary on the first of every month. | 二,你每个月的第一个月都领取薪水. |
| 474 | Your salary is $1,000. | 你的工资是1000美元 |
| 475 | Your rent is $400. | 您的租金是400美元。 |
| 476 | Your food budget is $150. | 你的粮食预算是150美元 |
| 477 | Your transport is $50. | 你的运输费是50美元 |
| 478 | Your utility bills are $80. | 你的水电费是80美元 |
| 479 | That is $680 on | 680块 |
| 480 | necessities. | 需要的东西。 |
| 481 | Mark, using the 50-30-20 rule we discussed at the beginning, how much should this | 马克,用我们一开始讨论的50 -30 -20规则, 这个应该多少钱? |
| 482 | person aim to save every month and how much can they spend on wants, things they enjoy? | 人的目标是每个月保存 以及他们能花多少钱 用于想要,他们喜欢的东西? |
| 483 | Great calculation quiz. | 伟大的计算测试。 |
| 484 | The person earns $1,000 per month. | 此人每月挣1000美元。 |
| 485 | Using the 50-30-20 rule, 50%, $500 | 使用50-30-20规则,50%,500美元 |
| 486 | should go to needs. | 应该去需要。 |
| 487 | But their actual needs total is $680, which is more than 50%. | 但他们的实际需求总额为680美元,超过50%。 |
| 488 | In this case, | 在这种情况下, |
| 489 | they might need to adjust, perhaps find a cheaper accommodation, reduce their food spending, | 他们可能需要调整,也许找到更便宜的住所,减少他们的食品开支, |
| 490 | or find a way to increase their income. | 或找到增加收入的方法。 |
| 491 | The ideal 20% savings would be $200 per month, | 理想的20%的储蓄是每月200美元 |
| 492 | and the 30% for wants would be $300. | 30%的赎金是300美元 |
| 493 | But if needs already exceed $500, they need to find | 但是,如果需求已经超过500美元, 他们需要找到 |
| 494 | other ways to reduce costs or earn more. | 其他降低成本或增加收入的方法。 |
| 495 | That was a really useful and realistic | 这是一个真正有用和现实的 |
| 496 | calculation. | 计算。 |
| 497 | Real life is not always perfect, and sometimes adjustments are needed. | 现实生活并不总是完美的,有时需要调整. |
| 498 | Now, let's talk about something very motivating, setting savings goals. | 现在,让我们谈谈一些非常有激励力的东西, 设定储蓄目标。 |
| 499 | A savings goal is a specific | 储蓄目标是一个具体 |
| 500 | target you are working towards. | 目标你正在工作。 |
| 501 | For example, saving $1,000 for an emergency fund, saving | 例如,为紧急基金节省1 000美元,节省 |
| 502 | $3,000 for a holiday, saving $500 for a new laptop. | 节日3000元,节省500元用于新手提电脑. |
| 503 | Having a specific goal makes saving | 有了特定的目标 就能节省 |
| 504 | much more motivating than just saving with no clear purpose. | 要比没有明确目的的储蓄更有动力 |
| 505 | In English, we say, | 在英语中,我们说, |
| 506 | I am saving up for, for example, I am saving up for a new car, or I am saving up for a holiday. | 例如,我为一辆新车存了钱,或者我为假日存钱。 |
| 507 | Mark, do you have any current savings goals? | 马克,你有没有当前的储蓄目标? |
| 508 | Yes, having savings goals is incredibly motivating | 是的,有储蓄目标 令人难以置信的激励 |
| 509 | for me. | 对我来说。 |
| 510 | Right now, I am saving up for two things. | 现在,我存了两件事。 |
| 511 | First, I want to add to my emergency fund. | 首先,我想加入我的紧急基金。 |
| 512 | Second, | 第二,我们... |
| 513 | I am saving for a trip to Japan, my dream holiday. | 我存钱去日本旅行 我的梦想节日 |
| 514 | Knowing exactly what I am saving for makes it much | 知道我存了多少钱 |
| 515 | easier to resist unnecessary spending. | 比较容易抵制不必要的开支。 |
| 516 | When I feel tempted to buy something I do not need, | 当我想买我不需要的东西时 |
| 517 | I think about my Japan fund and the temptation usually disappears. | 我想到我的日本基金 诱惑通常会消失 |
| 518 | Another helpful technique | 另一种有用的技术 |
| 519 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}就是想象你的目标 | |
| 520 | Put a photo of your dream destination or item somewhere you see | 把梦幻目的地或物品的照片放在你看见的地方 |
| 521 | every day. | 每天都这样 |
| 522 | This keeps your motivation strong. | 这让你的动机强大。 |
| 523 | Savings goals feel like a game you want to win. | 储蓄目标感觉就像一个你想赢的游戏。 |
| 524 | What a great mindset. | 多么伟大的心态。 |
| 525 | Now, let's talk about some simple English phrases for talking about money | 现在,让我们谈谈一些简单的英语短语 说钱 |
| 526 | and saving. | 和储蓄。 |
| 527 | These are very useful for everyday conversations. | 这些对日常对话非常有用。 |
| 528 | I'm on a tight budget. | 我预算太紧了 |
| 529 | I don't have | 我没有 |
| 530 | much money to spend. | 要花很多钱 |
| 531 | I'm trying to cut back. | 我试图削减。 |
| 532 | I'm trying to spend less. | 我试图少花钱。 |
| 533 | I'm saving up for something. | 我在存钱 |
| 534 | I'm collecting money for a specific purpose. | 我收集钱是为了特定目的 |
| 535 | I can't afford it right now. | 我现在买不起 |
| 536 | I don't have enough | 我不够 |
| 537 | money for it. | 钱买它。 |
| 538 | That's a good deal. | 善财交易. |
| 539 | The price is very good, lower than expected. | 价格非常好,低于预期. |
| 540 | More useful money | 更有用的钱 |
| 541 | phrases. | 短语。 |
| 542 | I'm watching my spending. | 我在看开支 |
| 543 | I am being careful about what I buy. | 我对买的东西很小心 |
| 544 | I'm trying to stick to | 我试图坚持 |
| 545 | my budget. | 我的预算。 |
| 546 | I am trying to follow my financial plan. | 我试图遵循我的财务计划。 |
| 547 | It's not worth the money. | 不值钱. |
| 548 | The quality or value | 质量或价值 |
| 549 | does not match the price. | 与价格不符。 |
| 550 | I found a bargain. | 我找到一个交易。 |
| 551 | I found something very cheap or very good value. | 我发现一些非常便宜或非常有价值的东西。 |
| 552 | I am in debt. | 我欠债了 |
| 553 | I owe money to someone. | 我欠别人钱 |
| 554 | I am debt free. | 我是免债的 |
| 555 | I don't own any money. | 我没有钱 |
| 556 | I've been saving for | 我一直在为 |
| 557 | this purchase. | 购买。 |
| 558 | I planned and saved for this purchase. | 我计划并节省了这笔钱 |
| 559 | That's overpriced. | 这太贵了 |
| 560 | The item costs more | 此项目成本更高 |
| 561 | than it's worth. | 比它的价值。 |
| 562 | Those money phrases are so practical and natural. | 这些钱的词句非常实用和自然. |
| 563 | Now let's talk about | 现在让我们谈谈 |
| 564 | something that many young people struggle with. | 很多年轻人都在挣扎着 |
| 565 | Saving money as a student or on a low income. | 作为学生或低收入者储蓄。 |
| 566 | When your income is small, saving even a little bit can feel impossible. | 当你的收入很少, 储蓄即使一点点 可能感觉不可能。 |
| 567 | But even very small | 但即使很小 |
| 568 | amounts matter. | 金额很重要。 |
| 569 | If you save just $5 per week, that's $20 per month and $240 per year. | 如果你每周只节省5美元, 也就是每月20美元,每年240美元。 |
| 570 | That | 那个 |
| 571 | might not sound like a lot, but it builds a habit and habits are the foundation of financial | 听起来可能不太像,但它造就了一种习惯 习惯是金融的基础 |
| 572 | success. | 成功吗? |
| 573 | Some specific money saving tips for students. | 给学生省点钱 |
| 574 | Cook your own meals. | 自己煮饭吧 |
| 575 | Use student | 使用学生 |
| 576 | discounts. | 减价。 |
| 577 | Many shops, transport companies and entertainment venues offer discounts for students. | 许多商店,交通公司和娱乐场所为学生提供折扣. |
| 578 | Great tips for students. | 给学生的好建议 |
| 579 | Here are a few more. | 这里还有几个。 |
| 580 | Share accommodation with others. | 与他人共享住宿. |
| 581 | Splitting rent and utility bills with flatmates makes a huge difference to your monthly costs. | 与室友分割租金和水电费 与你的月费有很大的差别 |
| 582 | Walk or cycle to university instead of using transport. | 步行或骑自行车到大学,而不是使用交通工具. |
| 583 | Use your student ID everywhere. | 到处都是学生身份证 |
| 584 | You'll | 你会 |
| 585 | be surprised how many places offer student discounts that are not advertised. | 令人惊讶的是,有多少地方提供学生折扣,没有广告。 |
| 586 | Cook in large | 大厨 |
| 587 | batches and freeze portions. | 分批和冻结部分。 |
| 588 | This saves both time and money. | 这既节省时间又节省金钱。 |
| 589 | Avoid buying new gadgets and technology | 避免购买新设备和技术 |
| 590 | unless absolutely necessary. | 除非绝对有必要 |
| 591 | Look for part-time work that fits around your studies. | 寻找适合你学习的兼职工作. |
| 592 | Apply for | 申请 |
| 593 | any scholarships or bursaries that you might be eligible for. | 您可申请奖学金或助学金。 |
| 594 | Many students don't apply simply | 许多学生不是简单的申请 |
| 595 | because they don't know these opportunities exist. | 因为他们不知道这些机会存在。 |
| 596 | Cooking in large batches and freezing | 大量烹饪和冰冻 |
| 597 | portions. | 编 |
| 598 | Such a practical and clever tip. | 这么实用和聪明的提示。 |
| 599 | Now I want to talk about something a bit different. | 现在我想谈点不同的事 |
| 600 | The psychology of money and why saving is sometimes emotionally difficult. | 金钱的心理学和为什么储蓄有时在情感上很困难. |
| 601 | Many people | 许多人 |
| 602 | have complicated feelings about money. | 对钱有复杂的感情 |
| 603 | Some people spend money when they feel stressed or sad. | 有些人在感到压力或悲伤时花钱。 |
| 604 | This is sometimes called retail therapy. | 这有时被称为零售疗法. |
| 605 | Others feel guilty about spending money even when they | 别人即使花钱也觉得内疚 |
| 606 | can afford it. | 买得起 |
| 607 | And some feel anxious when they think about money at all. | 有些人一想到钱就会感到焦虑 |
| 608 | Understanding your | 理解你的话 |
| 609 | emotional relationship with money is important. | 与金钱的感情关系很重要。 |
| 610 | Mark, do you think there is a connection between | 马克,你觉得有联系吗? |
| 611 | emotions and spending habits? | 情绪和消费习惯? |
| 612 | How can people develop a healthier relationship with money? | 人们怎么能与金钱发展更健康的关系? |
| 613 | Absolutely. | 当然 |
| 614 | Our emotions and money are deeply connected. | 我们的情绪和金钱是紧密相连的。 |
| 615 | Retail therapy is very real. | 零售疗法非常真实. |
| 616 | Many | 许多 |
| 617 | people shop when they feel unhappy, bored, or stressed as a way to feel better in the short | 当人们感到不快乐,无聊, 或紧张的时候,他们购物 以在短短的时间里感觉更好 |
| 618 | term. | 术语。 |
| 619 | The problem is that the good feeling is temporary, and then you have less money and | 问题是好的感觉是暂时的 然后你的钱少了 |
| 620 | perhaps feel guilty about spending. | 也许对花钱感到内疚 |
| 621 | A healthier approach is to find non-spending ways to improve | 一个更健康的方法是寻找非消耗性方法来改进 |
| 622 | your mood when you feel stressed. | 当你感到压力时你的心情。 |
| 623 | Exercise, talking to a friend, cooking, going for a walk, | 锻炼 和朋友说话 做饭 散步 |
| 624 | or reading. | 或读。 |
| 625 | Also, try to understand what triggers your spending. | 还有,试着了解是什么触发了你的开支。 |
| 626 | Do you spend more when you are | 你花更多 当你是 |
| 627 | tired? | 累了吗? |
| 628 | When you feel lonely? | 当你觉得孤独的时候? |
| 629 | When you scroll through social media? | 当你通过社交媒体滚动? |
| 630 | Identifying your triggers | 识别触发器 |
| 631 | helps you break the pattern. | 帮助你打破模式。 |
| 632 | Based on clear values rather than temporary emotions, | 基于明确的价值观 而不是暂时的情感 |
| 633 | that is such a wise and beautiful way to think about money. | 这是思考金钱的明智而美丽的方法。 |
| 634 | Now let me ask a fun question. | 现在让我问一个有趣的问题。 |
| 635 | Mark, | 马克 |
| 636 | if you had an extra $500 right now that you did not expect, like a gift or a bonus, what would you | 如果你现在有500美元的额外, 你没想到, 像礼物或奖金,你会怎样 |
| 637 | do with it? | 用它做吗? |
| 638 | This is actually a great exercise for our listeners too. | 这对我们的听众来说也是个伟大的练习。 |
| 639 | Think about it honestly. | 认真想想 |
| 640 | If you | 如果你们 |
| 641 | suddenly received extra money, would you save it, spend it on something you need, spend it on | 突然收到额外的钱,你会保存它,花在 你需要的东西上,花在它上 |
| 642 | something you want, or give some to charity? | 你想要的东西, 还是给一些慈善? |
| 643 | Your answer reveals a lot about your relationship with | 你的回答揭示了很多你与 |
| 644 | money and your financial priorities. | 钱和您的财务优先。 |
| 645 | What an interesting question. | 真是个有趣的问题 |
| 646 | Honestly, my first instinct | 说实话,我的第一直觉 |
| 647 | is to save it. | 是为了保存它。 |
| 648 | I would put $250 directly into my emergency fund. | 我会把250美元直接投入我的紧急基金。 |
| 649 | That is always my first priority | 这总是我的首要任务 |
| 650 | for unexpected money. | 为意外的钱。 |
| 651 | Then I would put $150 into my Japan travel savings goal, and the remaining | 然后,我会把150美元 在我的日本旅行储蓄目标, 剩下的 |
| 652 | $100 I would probably spend on something enjoyable without any guilt. | 100美元,我可能花在一件没有内疚的乐趣上。 |
| 653 | Perhaps a nice meal out, | 也许吃顿好饭 |
| 654 | or a book I have wanted to read. | 或者我想读的书 |
| 655 | I think this balance reflects my values. | 我认为这种平衡反映了我的价值观。 |
| 656 | Safety first with | 安全第一 安全第一 安全第一 安全第一 |
| 657 | the emergency fund, goals second, and then enjoyment third. | 紧急基金,目标第二,然后享受第三。 |
| 658 | I never feel guilty about | 我从来不觉得内疚 |
| 659 | spending money on enjoyment when my savings are in a healthy place. | 当我的积蓄在健康的地方时 花钱去享受 |
| 660 | A thoughtful balance, | 一个深思熟虑的平衡, |
| 661 | perfectly said. | 说得好 |
| 662 | Now let's give our listeners a final practical summary of all the money | 现在,让我们给我们的听众 一个最后的实用摘要 所有的钱 |
| 663 | saving tips we discussed today. | 保存我们今天讨论过的小费。 |
| 664 | Here they are in simple, clear language. | 他们用的是简单明了的语言。 |
| 665 | Number one, | 第一个 |
| 666 | make a budget and track your spending. | 做一个预算 跟踪你的开支。 |
| 667 | Number two, use the 50-30-20 rule. | 第二,采用50-30-20规则. |
| 668 | 50% needs, 30% wants, | 50%的需求,30%的需求, |
| 669 | 20% savings. | 储蓄20%。 |
| 670 | Number three, pay yourself first. | 三号,先自付. |
| 671 | Save money before you spend on wants. | 在你花在欲望上之前先省钱 |
| 672 | Number four, build an emergency fund. | 第四,建设应急基金. |
| 673 | Three to six months of expenses. | 三至六个月的费用。 |
| 674 | Number five, cook at home | 五号,在家做饭 |
| 675 | more often and plan your meals. | 更经常地安排你的饭菜 |
| 676 | Number six, review and cancel unused subscriptions. | 第六,审查并取消未使用的订阅. |
| 677 | Number seven, | 7号 |
| 678 | use the 24-hour rule before buying something unplanned. | 在购买计划外的东西之前,使用24小时规则。 |
| 679 | Mark, can you continue the list with | 马克,你能继续列表吗? |
| 680 | a few more tips? | 再给点小费? |
| 681 | Continuing the list. | 继续名单 |
| 682 | Number eight, buy secondhand when possible. | 八号,尽可能买二手 |
| 683 | Clothes, | 衣着, |
| 684 | books, furniture, and electronics. | 书籍、家具和电子产品。 |
| 685 | Number nine, compare prices and buy supermarket-owned | 第九,比较价格,买超市 |
| 686 | brand products. | 品牌产品。 |
| 687 | Number 10, save on energy, LED bulbs, lower washing temperatures, smart heating. | 10号,节省能量,LED灯泡,更低的洗气温度,智能加热. |
| 688 | Number 11, use public transport. | 11号,使用公共交通工具. |
| 689 | Walk or cycle when possible. | 可能时步行或循环. |
| 690 | Number 12, take advantage of free | 12号,利用免费 |
| 691 | entertainment. | 娱乐. |
| 692 | Parks, libraries, free museums, and community events. | 公园、图书馆、免费博物馆和社区活动。 |
| 693 | Number 13, set specific savings | 13号,设置具体节余 |
| 694 | goals to stay motivated. | 目标保持积极性。 |
| 695 | Number 14, identify your emotional spending triggers and find non-spending | 14号 确定你的情绪支出触发器 发现没有支出 |
| 696 | alternatives. | 备选案文。 |
| 697 | And number 15, be patient and consistent. | 和15号,要耐心和一致。 |
| 698 | Saving money is not a race. | 省钱不是比赛 |
| 699 | It is | 没错 |
| 700 | a habit that builds slowly and rewards you greatly over time. | 这种习惯会慢慢地建立起来 并随着时间的推移给你带来很大的回报 |
| 701 | Every small step counts. | 每一步都算数 |
| 702 | What an amazing and comprehensive list. | 多么惊人和全面的清单。 |
| 703 | I hope every listener finds at least three or four ideas | 我希望每个听众都能找到至少三四个想法 |
| 704 | from today that they can start using immediately. | 从今天开始,他们可以立即使用。 |
| 705 | Let me give a final summary of today's episode. | 让我对今天的情况作最后总结。 |
| 706 | We talked about the meaning of saving money, budgeting, needs versus wants, | 我们讨论的是储蓄、预算 需求与需求的意义 |
| 707 | practical daily saving tips, shopping habits, subscriptions, energy savings, emergency funds, | 日常实际节省小费,购物习惯,订阅,节能,应急资金, |
| 708 | debt management, and the psychology of money. | 债务管理,和金钱的心理学。 |
| 709 | We learned lots of useful English vocabulary | 我们学到了很多有用的英语词汇 |
| 710 | and phrases too. | 和语句。 |
| 711 | Whether you are just starting to think about saving or you're already on your | 你只是开始考虑 拯救,还是你已经在你的 |
| 712 | savings journey, I hope today's conversation was helpful, encouraging, and inspiring. | 我希望今天的谈话能有所帮助、鼓舞人心和鼓舞人心。 |
| 713 | Thank you so | 谢谢 |
| 714 | much to every listener who joined us today. | 对今天加入我们的每一个听众来说都是如此。 |
| 715 | See you next time. | 下次见 |
| 716 | Thank you so much, Anna. | 非常感谢,安娜。 |
| 717 | This has | 这已经 |
| 718 | been one of my favorite episodes and a huge thank you to every single listener who spent this time | 成为我最喜欢的剧集之一 也是对各位的感谢 |
| 719 | with us today. | 与我们今天。 |
| 720 | Remember, saving money is not about being miserable or denying yourself everything. | 记住,省钱不是 痛苦或否认自己的一切。 |
| 721 | It is about being intentional and making choices that align with your true values and long-term | 而是有意和做出符合你真实价值和长远的选择 |
| 722 | goals. | 目标。 |
| 723 | Every dollar or pound or euro that you save is a vote for your future self. | 你省下来的每一个美元或英镑或欧元,都是你未来自我的选票. |
| 724 | More security, | 更安全一点 |
| 725 | more freedom, more choices. | 更多的自由,更多的选择。 |
| 726 | Start small, be consistent, celebrate every milestone, and be | 开始小, 保持一致, 庆祝每一个里程碑, |
| 727 | patient with yourself. | 耐心一点 |
| 728 | Financial habits take time to build but last a lifetime. | 金融习惯需要时间来建立,但持续一生。 |
| 729 | Use the English | 用英语 |
| 730 | vocabulary and phrases from today in your real conversations about money. | 从今天开始的词汇和短语 在你真正的谈话 关于钱。 |
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