在日常生活中怎么存錢呢

今天的這段對(duì)話，在討論存錢，
 
存起來(lái)的錢可以應(yīng)急時(shí)用，日常生活中怎么存錢呢
 
來(lái)聽(tīng)今天的講解:
 
A: So you do have some extra money that you can put away, you would say?
 
你有多余的錢可以存起來(lái)，對(duì)吧？
 
B: I think maybe everyone has extra money because you just use less. So you just decide in advance to put a little bit aside whether it's 5 dollars or 50.
 
我認(rèn)為每個(gè)人都可以有多余的錢，只要少花些就可以了。你可以提前決定把一小部分錢存起來(lái)，無(wú)論那是5美元還是50美元。
 
A: So, like, change your priorities and spend less money on other things and more towards your pension?
 
比如改變事情的優(yōu)先順序，在其他事情上少花點(diǎn)錢，多存點(diǎn)養(yǎng)老金？
 
B: Exactly. Exactly.
 
沒(méi)錯(cuò)，沒(méi)錯(cuò)。
 
A: Right. So what would you cut? If you had something that you have to stop putting your money towards, what would it be?
 
好。那你會(huì)縮減哪部分開(kāi)支？如果你一定要縮減某件事的花費(fèi)，你會(huì)減少哪部分的開(kāi)支？
 
B: I don't know if there's anything to cut because I'm not really buying much. I couldn't cut food. That's primary important. I don't know. What would you cut?
 
我不知道有沒(méi)有可以縮減的開(kāi)支，因?yàn)楸緛?lái)我買的東西就不多。我不能減少飲食的花費(fèi)，因?yàn)檫@是最重要的事。我沒(méi)有頭緒。你會(huì)減少哪部分的開(kāi)支？
 
A: Clothing, maybe. You know, I'm a woman so I like to wear fashionable clothes so that would be one of them, and traveling. I love traveling, so maybe take one less holiday a year and put that towards my pension.
 
可能是衣服。我是女人，我喜歡時(shí)尚的衣服，我可能會(huì)減少在買衣服上的花費(fèi)，另外就是減少旅行費(fèi)用。我喜歡旅行，也許我可以減少每年的假期，然后多存些養(yǎng)老金。
 
B: One less holiday than one.
 
減少假期。
 
A: Yeah, that's right.
 
對(duì)，沒(méi)錯(cuò)。
 
B: Stop going on a holiday. How about have lots of kids? Go back to that idea.
 
不去度假。多生幾個(gè)孩子怎么樣？我們繼續(xù)來(lái)討論這個(gè)主意。
 
A: Yeah.
 
好。
 
B: Yeah.
 
嗯。
 
A: Well, I actually come from a family with a lot of kids. At the moment, that's not working well for my parents because I'm not sending any money to them. But maybe in the future. So that's the thing, you know. It works in a chain. I have to worry about my parents, so I cannot really be worrying about my own pension. So it's like a continuous burden that you give to your children. And it never ends.
 
實(shí)際上我來(lái)自孩子很多的家庭。目前我父母還沒(méi)有受益，因?yàn)槲疫€沒(méi)有給父母錢，不過(guò)未來(lái)我會(huì)的。事情就是這樣。這是連鎖反應(yīng)。我非常擔(dān)心我的父母，我不能僅僅擔(dān)心我自己的養(yǎng)老金。這是施加給孩子的持續(xù)不斷的負(fù)擔(dān)。永遠(yuǎn)不會(huì)結(jié)束。
 
B: Well, yeah, we're really mixing up with other things. I don't think we're really getting an answer though as to what's best.
 
嗯，這和其他事情混在一起了。我認(rèn)為就哪種方法是最佳方法來(lái)說(shuō)，我們沒(méi)有找到答案。
 
A: Well, there are other options as well, you know. You can live a simple life where you can grow food from your land and—
 
嗯，還有其他選擇。你可以選擇簡(jiǎn)單的生活方式，在自己的土地上種植食物。
 
B: And then you wouldn't need necessarily to save so much.
 
這樣就不必存太多錢了。
 
A: Yeah, be a healthy person and you don't have to—take really good care of your body and then you don't have to go to a place where a nurse has to take care of you at an early age, you know.
 
對(duì)，保持身體健康，好好照顧自己的身體，這樣你在年老以后就不用去那個(gè)由護(hù)理人員照顧你的地方了。
 
B: I think that's what I want to do. I think going for the simple life, trying to create the situation right now to enable like retirement age to spend in such a simple place where everything is taken care of itself and the excess money isn't necessarily needed. I think that's what we should do.
 
我認(rèn)為那正是我想做的事情。我想過(guò)簡(jiǎn)單的生活，現(xiàn)在開(kāi)始嘗試去創(chuàng)造一種環(huán)境，到退休時(shí)可以在簡(jiǎn)單的地方生活，過(guò)自給自足的生活，不需要額外的錢。我想那是我們應(yīng)該做的。
 
A: Awesome.
 
太好了。