會賺錢≠會省錢：省錢帝的理財建議
Put the public library at the top of your entertainment category.
把公共圖書館作爲首要的娛樂場所
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?
圖書館是我們社會裏被遺忘的寶庫。相當於所有領域博士教育的書籍在那裏等着你。你還能看到最新的小說、存儲在DVD上的電影和紀錄片、音樂、雜誌和友好的人。那裏舒適安靜，是休息和結識新朋友的好去處。孩子們也喜歡那裏。而且那裏是免費的。對於任何人來說，這怎能不是終身娛樂的最佳選擇呢？
Use utilities efficiently.
有效使用各種設備
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.
減少對空調的依賴（冬天讓屋裏更冷，夏天讓屋裏更熱），這每年能爲你節省數千美元，還能改善你的健康，擴大你在室外覺得舒適的溫度範圍。在可能的情況下，把衣服晾乾而不是用電動乾衣機烘乾，只在必要時洗衣服，換掉用了20年的冰箱，只用CFL和LED燈泡，換用水流量更小的淋浴噴頭。好好地爲你的房子隔熱，在冬天時打開所有朝南的窗簾。
Bike more.
多騎自行車
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.
自行車是自動的生命平衡器，對年輕人來說也是印鈔機。健康和理財方面的好處能在幾十年裏產生“破產”和“百萬富翁”之間的差別。在很多地方，自行車的行進速度能比汽車快，因爲自行車不會受到交通擁堵的影響，能始終保持每小時20英里的速度，並且不會受到道路條件的限制。以自行車而不是汽車出行的便利度來選擇你的住房和工作。
Look to Nature as your primary source of recreation and peace.
把大自然作爲休閒和平和的首要來源
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遊景觀和城市也無法與大自然每年365天、每天24小時免費提供的美景相比。當你走出門，去欣賞大自然的景色時，它會爲你帶來無限的休閒和平和，因爲你按下了自己的身體健康和幸福按鈕。科學已經證明，每次身處大自然和植物之中都能改善健康和注意力。
Cut car use.
少開汽車
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.
儘量騎車、步行或跑步，只有在不得已時才使用汽車。事先計劃好跑腿差事（例如“週三晚是開車跑腿之夜”），避免每天都開車跑幾趟。如果你仔細考慮就會發現，大多數事情可以等幾天再做。如果你忘記買做飯的重要食材，可以把它寫下來，然後做其他菜來代替，等等。Choose vacations that are rich in experience.
選擇體驗豐富的度假活動
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.
在旅遊方面，野營和運動度假是我最喜歡的國內旅遊活動。在出境遊方面，可以試試真正的“緩慢旅遊”，也就是你像當地人那樣生活，而不是帶着美國生活方式，只是看看酒店和旅遊車窗外的景色。
Only buy clothing you need.
只買必要的衣服
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.
在保持衣着體面的同時，少買點衣服（仍然可以是高質量的服裝），直到穿爛時才扔掉。全家人每年的購衣費用可以輕鬆地控制在300美元以下，同時仍然能夠擁有很多的好衣服以及登山裝和騎行服裝。
Invest in people.
投資他人
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.
與同事和鄰居建立良好的關係，因爲這能帶來更多的快樂和更好的工作機會。通過減少看電視和開車上下班這樣的獨處時間，你能把更多時間用於集體活動、娛樂和志願者服務，這將增加你的家庭、社會和商業人脈。
Invest in yourself.
投資自己
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.
不斷學習新技能，這樣就能維修自己的某些東西（房子、汽車、身體和花園）。你可能覺得自己很忙，事業成功，所以你理所當然地在週末時聘請其他人爲你修剪花園，而你則去放鬆休息。你應該採取相反的做法，親自去做各種各樣的事情，培養更加廣泛的、相互促進的技能。由此產生的結果是，你在所有事情上都做得更好、更稱職、更快樂，並且你的生活成本大幅降低。
Cook at home more often, and take good nutrition seriously.
更多地在家做飯，注意營養
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).
少吃點肉，不要吃袋裝的方便食品和含有添加糖的任何東西。多吃點蔬菜，少吃麪包和麪食，多吃健康脂肪，例如堅果和橄欖油。在好市多這樣的折扣超市裏購物。在旅行或工作時，要自帶食物，而不是把自己置於快餐的擺佈之下。這個老生常談的建議很有用，因爲它能每年爲你節約數千美元，同時還能大幅改善你的健康（因此你的精力、注意力、過上快樂生活的能力和掙錢的能力也都能得到提高）。
Save restaurants for special occasions.
把餐館留給特殊場合
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.
把餐館視爲一種犒勞，使你在那個晚上過得像個國王，作爲你沒有負債、存瞭如此多錢的獎勵。不要因爲那個晚上你的冰箱裏剛好沒東西而把餐館視爲一種便利。
