会赚钱≠会省钱：省钱帝的理财建议

Put the public library at the top of your entertainment category.

把公共图书馆作为首要的娱乐场所

Libraries are the forgotten goldmines of our society. The equivalent of a Ph.D. education in every field imaginable awaits within, and that's before you get into the latest fiction, movies and documentaries on DVD, music, magazines, nice people, and a generally classy and quiet place to relax or meet someone new. And kids love it there. And, it's free. How could this not be anyone's top choice for lifelong entertainment?

图书馆是我们社会里被遗忘的宝库。相当于所有领域博士教育的书籍在那里等着你。你还能看到最新的小说、存储在DVD上的电影和纪录片、音乐、杂志和友好的人。那里舒适安静，是休息和结识新朋友的好去处。孩子们也喜欢那里。而且那里是免费的。对于任何人来说，这怎能不是终身娱乐的最佳选择呢？

Use utilities efficiently.

有效使用各种设备

Cut your costs by thousands per year by challenging yourself to be just a bit less dependent on climate control (a cooler house in winter and a warmer one in summer). This also improves your physical fitness and expands the range of weather you can comfortably enjoy outside. When possible, hang clothes to dry instead of using the electric dryer, only wash things when they need it, replace your 20-year-old fridge, and use only CFL and LED light bulbs, and try a lower-flow showerhead. Insulate your house well and open any South-facing blinds and curtains during the winter.

减少对空调的依赖（冬天让屋里更冷，夏天让屋里更热），这每年能为你节省数千美元，还能改善你的健康，扩大你在室外觉得舒适的温度范围。在可能的情况下，把衣服晾干而不是用电动干衣机烘干，只在必要时洗衣服，换掉用了20年的冰箱，只用CFL和LED灯泡，换用水流量更小的淋浴喷头。好好地为你的房子隔热，在冬天时打开所有朝南的窗帘。

Bike more.

多骑自行车

The bike is an automatic life-balancing machine. A money-printing fountain of youth. The health and financial benefits can make the difference between “broke" and “millionaire.” within a few decades. And in many areas, you can travel 5-10 miles faster by bike than by car, because you are immune to traffic jams and can maintain a constant 20MPH without being bound to regular roads. Choose your house and job around bike transportation, rather than around the car.

自行车是自动的生命平衡器，对年轻人来说也是印钞机。健康和理财方面的好处能在几十年里产生“破产”和“百万富翁”之间的差别。在很多地方，自行车的行进速度能比汽车快，因为自行车不会受到交通拥堵的影响，能始终保持每小时20英里的速度，并且不会受到道路条件的限制。以自行车而不是汽车出行的便利度来选择你的住房和工作。

Look to Nature as your primary source of recreation and peace.

把大自然作为休闲和平和的首要来源

Even the best human-made tourist attractions and cities are nothing compared to what Nature makes available for free, 24 hours a day and 365 days per year. When you get out and soak it up, it brings unending entertainment and peace, because you're pressing your own biological health and happiness buttons. It is scientifically proven that every exposure to nature and plants improves health and focus.

即便是最好的人造旅游景观和城市也无法与大自然每年365天、每天24小时免费提供的美景相比。当你走出门，去欣赏大自然的景色时，它会为你带来无限的休闲和平和，因为你按下了自己的身体健康和幸福按钮。科学已经证明，每次身处大自然和植物之中都能改善健康和注意力。

Cut car use.

少开汽车

Ride a bike, walk, or run whenever you can, and use your car only as the last choice. By planning errands in advance (like "Wednesday evening is Car Errands Night"), you avoid making several trips daily. Most things can wait a few days, if you really think about it. If you're missing one key ingredient for a recipe, just write it down and make something else for dinner, etc.

尽量骑车、步行或跑步，只有在不得已时才使用汽车。事先计划好跑腿差事（例如“周三晚是开车跑腿之夜”），避免每天都开车跑几趟。如果你仔细考虑就会发现，大多数事情可以等几天再做。如果你忘记买做饭的重要食材，可以把它写下来，然后做其他菜来代替，等等。

Choose vacations that are rich in experience.

选择体验丰富的度假活动

As for travel, camping and active vacations are my favorites for domestic trips. Internationally, practice authentic “slow travel” where you live like the locals rather than carrying the United States lifestyle with you and just seeing things through the windows of the hotel and the tour bus.

在旅游方面，野营和运动度假是我最喜欢的国内旅游活动。在出境游方面，可以试试真正的“缓慢旅游”，也就是你像当地人那样生活，而不是带着美国生活方式，只是看看酒店和旅游车窗外的景色。

Only buy clothing you need.

只买必要的衣服

While remaining well-dressed, you can choose to own less clothing (it can still be of high quality) and use your clothes until they wear out. We easily spend under $300 per year for the whole family and still have plenty of fine clothes and hiking and biking gear here.

在保持衣着体面的同时，少买点衣服（仍然可以是高质量的服装），直到穿烂时才扔掉。全家人每年的购衣费用可以轻松地控制在300美元以下，同时仍然能够拥有很多的好衣服以及登山装和骑行服装。

Invest in people.

投资他人

Develop great relationships with the people all around you, at work and even in your own neighborhood, since this leads to both more happiness and better work opportunities. By cutting out solitary time-drains like television-watching and car-commuting, you open up more time for things like group activities, entertaining, and volunteering, which will increase your family, social, and business networks.

与同事和邻居建立良好的关系，因为这能带来更多的快乐和更好的工作机会。通过减少看电视和开车上下班这样的独处时间，你能把更多时间用于集体活动、娱乐和志愿者服务，这将增加你的家庭、社会和商业人脉。

Invest in yourself.

投资自己

Develop extra skills over your lifetime, so you can maintain some of your own stuff (house, car, body, garden). The assumption today is that you are busy and successful, so you deserve to hire someone to trim your trees while you relax on the weekends. Take the opposite approach and insource the widest variety of tasks possible, to build a broader mesh of mutually reinforcing skills. The result is that you get better at everything, more employable, happier, and your cost of living plummets.

不断学习新技能，这样就能维修自己的某些东西（房子、汽车、身体和花园）。你可能觉得自己很忙，事业成功，所以你理所当然地在周末时聘请其他人为你修剪花园，而你则去放松休息。你应该采取相反的做法，亲自去做各种各样的事情，培养更加广泛的、相互促进的技能。由此产生的结果是，你在所有事情上都做得更好、更称职、更快乐，并且你的生活成本大幅降低。

Cook at home more often, and take good nutrition seriously.

更多地在家做饭，注意营养

Eat less meat and avoid packaged convenience foods and anything with added sugar. Eat more vegetables, less bread and pasta and more healthy fat like nuts and olive oil. Shop at discount bulk stores like Costco. When traveling or working, bring your own food rather than throwing yourself at the mercy of the fast food system. This old advice is deceptively powerful, because it saves you thousands per year while also drastically improving your health (and thus, your energy level, focus, and ability to lead a happy life and earn more money).

少吃点肉，不要吃袋装的方便食品和含有添加糖的任何东西。多吃点蔬菜，少吃面包和面食，多吃健康脂肪，例如坚果和橄榄油。在好市多这样的折扣超市里购物。在旅行或工作时，要自带食物，而不是把自己置于快餐的摆布之下。这个老生常谈的建议很有用，因为它能每年为你节约数千美元，同时还能大幅改善你的健康（因此你的精力、注意力、过上快乐生活的能力和挣钱的能力也都能得到提高）。

Save restaurants for special occasions.

把餐馆留给特殊场合

Consider restaurants a treat that allow you to live like a king for one night as a reward for being debt-free and saving so much of your income, rather than a convenience because you just happened to have nothing in the fridge that night.

把餐馆视为一种犒劳，使你在那个晚上过得像个国王，作为你没有负债、存了如此多钱的奖励。不要因为那个晚上你的冰箱里刚好没东西而把餐馆视为一种便利。