Save Money by Understanding Why You Spend It
知道为何花钱才知道如何省钱
To save money, you simply need to spend less than you earn. It is easy to say, but why is it so difficult to do? To answer this question, you need to study the factors that keep you spending all the time.
为了省钱，你的花费只要不超过你挣得的钱就行。但为什么说得容易做的难呢？ 回答这个问题，你需要研究一下是哪几个因素让你一直不停的花钱。
Easy access to credit
容易获得信贷
For most people, this is the biggest reason for overspending. People can easily get a credit card, simply by filling out a short form in a bank or jumping on their website. They can borrow money from banks to go shopping, even buy cars or houses. When you aren't physically handing someone money or a check for a purchase, you will feel you are spending free money or you aren't pending money at all. Try using cash to get your spending under control.
对大多数人来说，这是超支最大的原因。信用卡获取方便，人们只需要在银行或在其网站上填写一个简易表格就行。有了信用卡，人们就可以从银行借钱去购物，甚至去买汽车或房子。当你在购物时不是实实在在用现金或支票付款，你会觉得你在免费消费或者完全没有花钱。试着用现金付款来控制你的消费。
Misusing credit cards
滥用信用卡
A credit card is an interest free short-term loan.
A credit card is an interest free short-term loan.
信用卡是短期的无息贷款。interest free 免息的，short-term 短期的，它们共同作定语。long-term / short-term loan 长（短）期贷款。
When used as planned, this can be a powerful
financial
financial
/faɪˈnænʃl/
adj.金融的，财政的，财务的
tool. The problem is when you begin to let the
balance
balance
/ˈbæləns/
n.结欠（款）vt.结平（账目）
continue from month to month. If you make a $200purchase on your credit card and find out that at the end of the month you can't afford to
repay
repay
/riˈpei/
vt. 偿还；报答，回报
the full amount, this is when the high interest rates on the cards really begin to hurt you. That is no way of saving money.
That is no way of saving money.
那绝不是省钱的办法。no way of ... 绝非；没有办法。例如：In fact, most companies have no way to measure the cost or the value of them. 事实上，大部分公司没法衡量它们的成本和价值。
信用卡是短期的无息贷款。如果有计划的使用，信用卡是一个强有力的金融工具。问题是你何时开始可以保持每月的收支平衡。如果你用信用卡支付了200美元后，发现在这个月底你不能全额偿还，这时高利率可能真的开始伤害你了。那当然更不是省钱的办法。
Giving in to
temptation
temptation
/tempˈteɪʃn/
n.引诱；诱惑物
屈服于诱惑
We all need to enjoy life, but don't waste your financial future for a few guilty pleasures today if they aren't in your budget. When you know that you can't afford an activity, don't give in.
When you know that you can't afford an activity, don't give in.
当你知道自己负担不起活动开销时，就别被诱惑了。这里，give in的对象是前文提到的a few guilty pleasures，即“屈服于这些'负罪感的快乐'”。afford买得起，担负得起。它通常与can, could, be able to连用，用于否定句或疑问句中。例如：They couldn't afford $50for a ticket. 他们拿不出50美元买一张票。Can I afford it? 我能够买得起它吗？afford后面常跟带to的动词不定式。例如：We can't afford to go abroad this summer.今年夏天我们没有足够的钱出国。give in (to sb. / sth.) 屈服，让步。例如：If they give in before the time is up, there's a “Just Gave In” button. 如果他们想提前退出，这里有“退出”键。
Instead, invite your friends over for a home dinner party, game night, or some other activities where you can still enjoy time together, but without breaking your budget.
我们都需要享受生活,但是如果有些消费不在你的预算内，就不要让今天的一些负罪享乐影响你的未来财务状况。当你知道自己负担不起有些开销时，就别被诱惑了。不如邀请你的朋友来家里聚餐,设计家庭游戏夜,或一些其他的活动,这样你既没有超出预算，也可以和朋友们一起享受时光。
Spending to feel good
支出感觉良好
Everyone enjoys getting something new —buying yourself something feels good. There is absolutely nothing wrong with this, as long as you don't
.
There is absolutely nothing wrong with this, as long as you don't go overboard.
只要不超过预算，这件事就没有任何错。there is nothing wrong with ...没有任何问题，没有什么不对的。例如：It is a tightly controlled family company but there's nothing wrong with that. 它是一个管控严格的家族企业，但这没什么不对。as long as只要，如果。在表示on condition that, provided that或if 时，用as long as或so long as都可以；在表示“既然，因为”时，多用as long as。例如：You can go out, as / so long as you promise to be back before 11o'clock. 你可以出去,只要你答应在11点以前回来As long as you are going, I'll go too. 既然你要去，那么我也要去。go overboard本义为“穿越船舷落水”，这里引申为“超过预算”。
You'll feel good about your purchase whether you make it with cash or by credit card, but you'll feel even better when you don't have to spend the next two years trying to pay it off with 20% interest.
.. you'll feel even better when you don't have to spend the next two years trying to pay it off with 20% interest.
当你随后两年不用被迫还清附加20%高利息的债务时，感觉会更好。pay off付清（费用、债务）。例如：pay off the debts还清债务。
每个人都喜欢得到一些新的东西——给自己买东西的感觉总是很好的。只要不过火，这件事就没有任何错。无论你用现金还是用信用卡支付，你都会感觉良好，不过，当你随后两年不用被迫还清附加20% 高利息的债务时，感觉会更好。