华尔街的赚钱经 第25期:投资捷径与陷阱(3)

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Get On a Budget

精打细算

Thrift is the new black. That means getting on a budget, measuring exactly what you spend and looking for ways to save money. Perhaps you are eating out more than you appreciate or spending too much on a cup of coffee. Budgeting is a lost discipline for many people and one that should be rediscovered.

节俭正当时。这意味着精打细算，认真思忖你的开支，寻找省钱良方。也许你外出就餐的次数超出了你的设想，或是在咖啡上花的钱太多。预算对很多人都缺乏约束力，现在应该重新认识这点了。

There are several free Web sites, such as Mint.com, Ouicken.com and Wesave.com, that can help you sort out your spending.

有不少免费网站，如 Mint.com、 Quicken.com和 Wesave. com，这些网站可以帮助你甄别开支。

You upload password information for your credit cards and other accounts, and the sites aggregate and sort the data, so you can see how much you're spending on, say, groceries , eating out and movies. You can then track your spending habits over time and make adjustments to save money.

你只要上传你的信用卡和其他账户的密码信息，这类同站 就会对数据进行汇总和分类，这样你就可以看到你在食品、外出就餐和电影等方面的支出情况了。然后，你可以跟踪一段你的消费习惯，为了省钱，并作出一些调整。

Guard Against Inflation

谨防通胀

Currently, inflation is a relative nonissue.

目前，通货膨胀基本还不算一个问题。

Yet, many things are taking place that could raise the specter of inflation in rapid order.

然而，正在发生的许多事情可能让通货膨胀的幽灵迅速出现。