[文章] 10種無意間浪費錢的方式

看板share作者Searle (擁抱後的寂寞)時間11年前 (2013/03/31 22:07)推噓5(5推 0噓 0→)

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原文出處：http://ctlin.com/archives/976 今天在 Lifehacker 上看到這篇文章，名稱為「Top 10 Ways You Can Waste Money Without Realizing It」，內容說明了在日常生活中，10種無意間浪費錢的方式。原文作者是 Whitson Gordon（English version is written by Whitson Gordon and Chinese version is translated by me.），這次的翻譯在本文中附上原文，以斜體方式呈現，希望方便對翻譯語句有所困惑的讀者能直接理解原意。 Everyone's always on the lookout for ways to save money, but sometimes we ignore the fact that we're actively wasting money every day. Here are 10 ways you might be letting money slip through your fingers. 每個人總是關心能夠省錢的方法，不過有時候忽略了我們每天都主動地浪費錢的事實，以下是十種你可能會不小心亂花錢的方式。 10. You Ignore Wear and Tear on Your Home When you own a home, it seems like the repairs and improvements never stop...but you might have missed out on a few important ones. If you've still got drafts of air flowing through your house, you're probably wasting a lot of money on heating and cooling costs, and might even have some water damage from leaks around the foundation. Check out the three money-saving home improvements you should do right now. While you're at it, check out our other guides to getting your energy bills down with just a little common sense. 10. 忽略了家中日常用品的耗損當你有一個家時，修繕的工作似乎永不停止...不過你可能已經錯過了幾個重要的。如果你仍然在用通風裝置使空氣流通，那麼你可能浪費了很多在加熱和冷卻的成本，甚至可能因為漏水而導致地基的周圍有所受損。去找一些你應該立刻做的省錢改善方式。 9. You Aren't Maximizing Your Credit Card Rewards We pay for more and more stuff with plastic these days, so why not get the maximum amount of cash back when you do? Lots of credit cards come with a good set of rewards, but some are definitely better than others—especially if you have a specific place you want to spend them (like travel). Check out our roundup of the five best reward credit cards, and the five best travel- based rewards cards. Once you've found the right card for you, make sure you're using it in a way that gets you the most back for your money. 9. 沒有將信用卡的獎品最大化現今，我們越來越常以塑膠貨幣（信用卡）付費，那為何不盡可能地從付出去的錢裡拿些回來呢？許多信用卡都搭配許多不錯的獎品，但有一些明顯地比其他的更好，特別是當你正好有一筆要花時（像是旅遊）。看看我們總結出的五張最優獎品的信用卡，以及五張最佳旅遊獎品卡。一旦你找到了最適合的卡，確保你能利用它們讓你拿回最多的錢。 8. You Have Unclaimed Money In Your Name It may sound like the least convincing scam ever pulled, but you may actually have unclaimed money that belongs to you out there, just waiting for you to grab it. Sometimes it's a savings bond, sometimes it's an unclaimed 401k, but no matter what it is, it's actually really easy to look up. Check out our post on the subject for more info about where to go and how to get that money out of financial purgatory and back into your pocket. Photo by redjar. 8. 名下還有尚未領取的錢這聽起來很像以往出現過有說服力的詐騙，不過你確實可能有尚未領取的錢，只是等待著你去把它領回來。有時候它是儲蓄基金，有時候它是未領取的401k退休福利計畫，不管它是什麼，實際上都很容易去查。 7. The Food In Your Kitchen Goes Bad It's hard to judge exactly how much food you'll eat in the next week or month, but when food spoils, that's money down the drain. Planning your meals ahead of time helps a ton, as does knowing how long different foods stay fresh on the counter, in the fridge, and in the freezer. But, in the end, all it takes is a little attention. Check out our guide to waging war on food spoilage to keep it all under control. Photo by Serg64 (Shutterstock). 7. 廚房裡的食物壞掉了很難清楚判斷下個星期或下個月會吃掉多少食物，不過當食物壞掉時，那些錢就血本無歸了。提前計畫你的伙食對你大有幫助，同時掌握那些在櫃子上、冰箱及冷凍庫裡的食物是否新鮮。最後，這全部只需要一點點額外的用心。 6. You Pay Too Much for Smartphone Data Most people sign up for a data plan and use their phone without really digging into how much data they use. If you're still holding onto an unlimited plan, for example, it's worth looking up how much data you actually use in a month—you might actually save money by moving to a metered plan(after all, 48% of people don't even use 300MB of data per month). Check out this chart to see how much you could save, and if you haven't checked your data usage in awhile, give it a look. You might be surprised. Of course, if you do have a limited plan, make sure your phone isn't secretly wasting data in the background, too. Photo by Chris Young. 6. 花太多錢在智慧型手機的上網費用許多人都申裝了行動上網的方案，但卻沒有仔細研究他們使用了多少數據量。假如你依然在使用吃到飽方案，舉例來說，去查看你一個月實際的用量是值得的，你實際上可能會因為改為計量方案而省錢（終究，48% 的使用者甚至一個月用不超過 300 MB）。檢視這些圖表去發現你可以省下多少，假如你還沒檢視過你的數據用量，看一下吧！你可能會感到驚訝。當然，假如你使用的是有限的方案，那請確認你的手機不會偷偷在背景作業中浪費數據用量。 5. You Don't Use Coupons That Are Right In Front of You The internet is an amazing thing. No longer do you have to join the ranks of extreme couponers and spend hours clipping to get good deals on stuff. These days, all it takes is a simple browser extension or two to get a coupon on nearly everything you buy online. Plus, you can get one that compares prices across the net for you—it's like very intense deal hunting without any of the work. Check out our guide to automating your discounts for more info, and never pay full price again. 5. 不使用那些垂手可得的折價券網際網路是一個驚人的東西。你不再加入那些折價券商的行列，為了撿便宜而花好多時間去剪裁。現今，只要透過一、兩個簡單的瀏覽器擴充元件，就能夠拿到任何你想線上買東西的折價券。另外，你可以在網路上比價購買，這是非常激烈的交易而不需任何的勞動。 4. You Don't Negotiate No one likes negotiating, but with the right preparation, you can make the whole process a lot easier—and get a lot more for your money. In fact, researchers found that the average new hire loses out on $500,000 in the long run, just by not negotiating their salary on that first job. There are a number of negotiation methods that work well in different situations (the Briefcase Technique being a pretty good one for salaries), so check out our guide to getting anything you want with minimal negotiation. You might be surprised how much you let go down the drain before you put in a little effort. 4. 不談判沒有人喜歡談判，但在正確的準備之下，你可以讓整個過程更簡單些，並且得到更好的待遇。事實上，研究者發現，新人在面試第一份工作時缺少了談判，導致長期下來薪資損失了50萬元。 3. You Fall For Tech Myths It's amazing how much tech companies try to squeeze out of you when you go to buy a new computer. "Oh, don't buy that one, it's six months old...buy this new one!" "O, you should get an extended warranty for an extra $200." "Here, this $40 HDMI cable should suit your needs." These sales tactics lead to quite a few myths, like the fact that new products are somehow better than refurbished products, or that expensive cables will get you a better picture on your TV. If you buy a lot of technology—and if you're anything like us, you do—you can save quite a bundle by knowing your stuff before you go into the store. Check out these six common tech myths that cost you money before you buy. Image remixed from silver tiger (Shutterstock). 3. 落入科技迷思當你想買一台新電腦時，科技公司想從你身上擠出的錢是很驚人的。「哦！別買那個，那是六個月前的產品了，買這個新的吧！」、「哦！你應該以額外的200元買延長保固」、「這個，40元的HDMI線能滿足你的需要」。這些銷售策略導致不少科技迷思，像是新產品總是比二手的好，或是昂貴的線會讓你電視的畫質更好等。假如你和我們一樣，對這些科技產品稍微了解的話，那你去買的時候就能省下一大筆錢。 2. You Overpay Your Monthly Bills Bills can pile up quickly, but the good news is you can often get discounts with just a few phone calls. Usually all you need to do is ask. Make sure you call back regularly to keep those discounts, and you'll have more money in your wallet. It's probably a good idea to check out BillShrink, too, to see what kinds of things you might be overypaying for. Image made possible by assets from PSDGraphics. 2. 多付了每個月的帳單帳單快速累積，但好消息是你通常只要打幾通電話就能得到折扣。通常你只需要去「問」，透過回電來確保這些折扣，那麼你就能省下更多的錢。 1. You Try Too Hard to Save Money Wait, what? That's right: Sometimes, trying to save money can actually lead you into a pit that wastes money. For example, some people avoid regular checkups with the doctor or dentist, but then end up having to go in and pay much more for all the things they neglected. Maybe you take store credit card offers and pay the minimum every month, or maybe you do your own taxes and miss out on some pretty big deductions. That's not to say saving money is a bad thing—it's just important to pay attention to where all of your money is going, and that you aren't shooting yourself in the foot with a strategy you're using to "save" cash. 1. 省過了頭等等？什麼！沒錯，有時候，試著省錢卻可能導致你浪費更多錢。舉例來說，許多人逃避了定期的醫師或牙醫的檢查，但最後卻因此而花了更多的錢。也許你需要商店的信用卡優惠，而每個月付了最低的金額，或是你為了節稅而錯失了更大一筆的扣除費用。並不是說省錢是一件壞事，更重要的是要多加注意你的錢花去哪兒了，並且檢視自己是不是拿這些省錢策略砸自己的腳了。 Title image remixed from Tax Credits, Ben Schumin, SunRun, and Helder Almeida (Shutterstock). 翻譯後記：這篇文章其實花了我不少時間，因為不是一篇短文，加上一些語意的揣摹，讓翻譯過程更加困難。但有幸能完成這篇拙劣的翻譯，本文中的英文部分及圖片皆非本人所設計，僅為了保持原文完整性而加以使用，英文段落中的外部連結本人亦加以保留，以讓讀者有機會閱讀更多 Lifehacker 上的卓著。如對本文有任何意見，請於文章留言或是透過電子郵件與我聯繫。此外，每段原文的後半部，通常有一些延伸閱讀，該部分我並未譯出，有興趣的讀者請自行參考。 Statement: I translated this article for English learning. Respecting the original author, I didn't modify any part of english article. If you have any question about it, contact me via email or leave a response. -- ※ 發信站: 批踢踢實業坊(ptt.cc) ◆ From: 59.127.122.42

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