英语听力练习mp3：避免金钱白白浪费

★英语听⼒频道为⼤家整理的英语听⼒练习mp3：避免⾦钱⽩⽩浪费，供⼤家参考。

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学会如何花钱将避免浪费。

根据下⾯这些精明的⼩措施，不要再让钱⽩⽩流⾛。

Learning how you spend your money can keep you from wasting it. Stop throwing money out the window with these smart moves.
你需要
You Will Need
退休账户
Retirement account
储蓄账户
Savings account
现⾦
Cash
毅⼒
Willpower
借书证
Library card
步骤
Steps
1.利⽤雇主提供的退休基⾦
STEP 1 Take employer matching
充分利⽤雇主提供的退休基⾦。

Take advantage of retirement funds your employer matches.
2.存钱
STEP 2 Save money
把省下来的钱存在利率的账户。

Save your money in accounts that pay high interest.
打电话给银⾏，看⼀下都有哪些利率的账户。

Call your bank to see what high interest accounts are available.
3.购买合适的数量
STEP 3 Buy appropriate amounts
如果是⼤宗消耗品，可以批量购买。

如果你⼤量购买的物品最终扔掉了，那你根本没有省到钱。

Buy in bulk only if you consume in bulk. You are not saving money if what you buy in bulk eventually gets thrown away.
4.⽤现⾦⽀付
STEP 4 Pay in cash
⽤现⾦⽀付。

如果你花了许多时间剪优惠券最终只能⽀付⽤信⽤卡购物的利息，那你也是在浪费钱。

Pay in cash. You are wasting money when you spend time cutting coupons only to pay interest when you pay for your purchases with a credit card.
5.拒绝冲动购物
STEP 5 Resist impulse purchases
避免冲动购物。

问⼀下⾃⼰，你是否真的需要这个物品，你是否能够担负得起。

如果你不是真的需要，利⽤意志⼒克制⾃⼰，避免不必要的花费。

Stop making impulse purchases. Ask yourself if you really need the item and if you can afford it. If you don't really need it, use yourwillpower and avoid the unnecessary expense.
不要仅仅因为促销⽽花钱购买⾃⼰不需要的东西。

Do not buy items that you will not use just because they are on sale.
6.拒绝
STEP 6 Buy generic
购买⼀般品牌的物品，⽐如处⽅药和杂货，⽽不是。

Buy generic brand items, such as prescriptions and groceries, instead of name brands.
7.取消健⾝馆会员资格
STEP 7 Cancel gym membership
如果很少使⽤的话，取消健⾝馆会员资格，步⾏或骑⾃⾏车来锻炼⾝体。

Cancel your gym membership if you are not using it, and walk or bike to get around.
8.戒烟
STEP 8 Quit smoking
戒烟。

你的钱包和⾝体都会感谢你。

Quit smoking. Both your wallet and body will thank you.
9.获得保险费率
Step 9 Get best insurance rates
确保你的保险费率是惠的，可以打电话给竞争者确认。

Make sure you are getting the best insurance rates by calling your current carrier's competition.
10.去图书馆
Step 10 Visit your library
去当地图书馆借阅⾳乐，图书和电影，这样是免费的，或者收费很低。

Visit your local library to rent music, books, and movies for free or for a minimal fee.
2006年之前，联邦政府每年花费150亿⾄250亿美元来维修未使⽤或空置的政府机构建筑。

As of 2006, the federal government spent between $15 and $25 billion annually maintaining unused or vacant agency buildings.。