我要做个守财奴：新年6大省钱计划
<p>1. <span word="Divvy">Divvy</span> <span word="up">up</span> <span word="any">any</span> <span word="unexpected">unexpected</span> <span word="income">income</span></p><p>分配好福利收入</p><p><span word="When">When</span> <span word="you">you</span> <span word="have">have</span> <span word="a">a</span> <span word="windfall">windfall</span> — <span word="a">a</span> <span word="bonus">bonus</span>, <span word="gift">gift</span>, <span word="or">or</span> <span word="extra">extra</span> <span word="cash">cash</span> <span word="for">for</span> <span word="extra">extra</span> <span word="work">work</span> — <span word="use">use</span> <span word="the">the</span> <span word="rule">rule</span> <span word="of">of</span> <span word="thirds">thirds</span> <span word="to">to</span> <span word="determine">determine</span> <span word="how">how</span> <span word="to">to</span> <span word="use">use</span> <span word="it">it</span>:</p><p>当你得到一笔意外之财时--奖金、礼物，或是赚到的外快--使用三分之一法则来决定如何使用它：</p><p><span word="One">One</span> <span word="third">third</span> <span word="for">for</span> <span word="the">the</span> <span word="past">past</span>. <span word="Use">Use</span> <span word="one">one</span> <span word="third">third</span> <span word="to">to</span> <span word="pay">pay</span> <span word="down">down</span> <span word="debt">debt</span> <span word="you">you</span> <span word="owe">owe</span>.</p><p>三分之一用在过去。把三分之一的钱用来支付你欠下的债务。</p><p><span word="One">One</span> <span word="third">third</span> <span word="for">for</span> <span word="the">the</span> <span word="future">future</span>. <span word="Put">Put</span> <span word="a">a</span> <span word="second">second</span> <span word="third">third</span> <span word="immediately">immediately</span> <span word="into">into</span> <span word="some">some</span> <span word="sort">sort</span> <span word="of">of</span> <span word="savings">savings</span> <span word="or">or</span> <span word="investment">investment</span>.</p><p>三分之一用在未来。把第二个三分之一立刻进行储蓄或是投资。</p><p><span word="One">One</span> <span word="third">third</span> <span word="for">for</span> <span word="the">the</span> <span word="present">present</span>. <span word="Use">Use</span> <span word="the">the</span> <span word="final">final</span> <span word="third">third</span> <span word="to">to</span> <span word="make">make</span> <span word="a">a</span> <span word="home">home</span> <span word="or">or</span> <span word="personal">personal</span> <span word="improvement">improvement</span> <span word="or">or</span> <span word="purchase">purchase</span> <span word="you">you</span> <span word="want">want</span>.</p><p>三分之一用在当前。把最后的三分之一用于家庭或个人改善，又或者是买你想要的东西。</p><p><span word="If">If</span> <span word="you">you</span> <span word="follow">follow</span> <span word="this">this</span> <span word="rule">rule</span>, <span word="you">you</span>'<span word="ll">ll</span> <span word="see">see</span> <span word="your">your</span> <span word="debt">debt</span> <span word="shrink">shrink</span> <span word="and">and</span> <span word="your">your</span> <span word="savings">savings</span> <span word="grow">grow</span>, <span word="and">and</span> <span word="you">you</span> <span word="won">won</span>'<span word="t">t</span> <span word="feel">feel</span> <span word="deprived">deprived</span>.</p><p>如果你遵循了这个法则，你将看到你的债务在减少，而你的储蓄在增加。你也不会再觉得拮据了！</p><p>2. <span word="Keep">Keep</span> <span word="a">a</span> <span word="slush">slush</span> <span word="fund">fund</span> <span word="handy">handy</span></p><p>手头要有一笔备用金</p><p><span word="Something">Something</span> — <span word="be">be</span> <span word="it">it</span> <span word="a">a</span> <span word="car">car</span> <span word="repair">repair</span>, <span word="an">an</span> <span word="emergency">emergency</span> <span word="root">root</span> <span word="canal">canal</span>, <span word="or">or</span> <span word="a">a</span> <span word="job">job</span> <span word="layoff">layoff</span> — <span word="always">always</span> <span word="comes">comes</span> <span word="up">up</span> <span word="to">to</span> <span word="throw">throw</span> <span word="you">you</span> <span word="off">off</span> <span word="your">your</span> <span word="monthly">monthly</span> <span word="budget">budget</span>. <span word="To">To</span> <span word="keep">keep</span> <span word="these">these</span> <span word="incidents">incidents</span> <span word="from">from</span> <span word="running">running</span> <span word="you">you</span> <span word="into">into</span> <span word="debt">debt</span>, <span word="you">you</span> <span word="need">need</span> <span word="to">to</span> <span word="have">have</span> <span word="an">an</span> <span word="emergency">emergency</span> <span word="stash">stash</span> <span word="in">in</span> <span word="an">an</span> <span word="easily">easily</span> <span word="accessible">accessible</span> <span word="account">account</span>, <span word="preferably">preferably</span> <span word="a">a</span> <span word="money">money</span> <span word="market">market</span> <span word="account">account</span> (<span word="they">they</span> <span word="earn">earn</span> <span word="a">a</span> <span word="little">little</span> <span word="more">more</span> <span word="interest">interest</span> <span word="than">than</span> <span word="regular">regular</span> <span word="savings">savings</span> <span word="accounts">accounts</span>).</p>
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