Practice English Conversation (Ways to save money) English Conversation Practice

Benjamin how are you oh you  don't look good what happened

本杰明你好吗哦，你看起来不太好，

morning Sam I'm fine but just a little  worried I am having some financial problems

早上发生了什么山姆我很好，但只是有点担心我遇到了一些财务问题

oh I'm sorry to hear that but  why is that don't tell me you  

哦，我很遗憾听到这个消息，但为什么会这样，别告诉我你

took half the loan and now you can't pay it back  

拿了一半贷款，现在你无法偿还

no I didn't do that you know my son is about to  graduate from school this is his last school year  

不，我没有这样做，你知道我儿子即将从学校毕业，这是他的最后一个学年 是的，

yes I know that I suppose he's going to college  right as he already chosen the right one

我知道我想他会去上大学，因为他已经选择了对了

that is the problem he's going to the university  next year and I don't have money for that

，这就是问题所在，他明年要去大学，而我没有钱，

oh God but I suppose you were saving  money you have been working really hard  

哦上帝，但我想你在存钱，你一直在努力工作，我

I tried but I can't I'm terrible at saving  money I don't know what to do I've tried but  

尝试过，但我不能，我不擅长存钱钱 我不知道该怎么办 我已经尝试过，但

do not panic you have this year you  have like 11 months to save money

不要惊慌，今年你有大约 11 个月的时间来存钱，

maybe I have some time to save some money  but the problem is I don't know how to do it

也许我有一些时间来存一些钱，但问题是我不知道该怎么办我

I found out I am terrible at saving money I  don't know what to do I want him to go to college

发现我很不擅长存钱我不知道该怎么办我想让他上大学

all right you need to relax it has a solution  I will teach you how to save money okay  

好吧你需要放松它有一个解决方案我会教你如何存钱好吧

you so do you know about saving money  I didn't know that please help me  

你知道吗省钱 我不知道，请帮助我

sure because I am the accountant for this  company I will give you some tips to save money

确定，因为我是这家公司的会计师，我会给你一些省钱的建议哦，

oh how stupid I was of course you  know a lot about Finance I'm listening

我多么愚蠢，当然你对财务了解很多，我听得

well I know what you're feeling no  matter how hard you try you feel  

很清楚，我知道什么你感觉无论你多么努力，你感觉

it's still impossible to find ways to save money  

仍然无法找到省钱的方法，

you mean well and try to spend less but  something always comes up life gets in the way

你的本意是好的，并试图少花点钱，但总有一些事情会发生，生活会阻碍

the car needs new tires the teenager  needs braces the house needs a new roof

汽车需要新轮胎，青少年需要支撑房子需要一个新屋顶

and just like that saving money takes a back  seat I'm totally sure it sounds familiar right

，就像省钱退居二线一样，我完全确定这听起来很熟悉，是的，

yeah that usually happens to me I always  have a new problem and I can't save money

这通常发生在我身上，我总是有一个新问题，我不能很好地省钱，

well the truth is you don't need everything to  line up perfectly before you start saving money

事实是你不这样做在你开始存钱之前，需要一切都完美地排列起来，

if you wait for the right time to roll around  it's never going to show up the best time to start  

如果你等待合适的时间来滚动，它永远不会出现。开始

saving is right now the first thing you have to do  in order to save money is to say goodbye to debt  

存钱的最佳时间就是现在，为了存钱，你要做的第一件事就是告别债务是

yeah you heard well monthly debt payments are  the biggest money suck when it comes to saving  

的，你没听错，每月还款是储蓄中最糟糕的事情，它会

that robs you off your income so it's  about time you get rid of that debt  

剥夺你的收入，所以是时候摆脱债务了，还清

the fastest way to pay off debt  is with the debt snowball method  

债务最快的方法是债务滚雪球法

this is where you pay off your debt in order from  a smallest to largest sounds kind of intense right  

这是你按照从最小到最大的顺序偿还债务的地方，听起来有点紧张，别

don't worry it's more about Behavior change  than numbers once your income is freed up

担心，这更多的是行为改变而不是数字一旦你的收入被释放，

you can finally use it to make progress  toward your saving goals that's very important

你最终可以用它来实现你的储蓄目标，那就是非常重要的

something that also worked for me  was to cancel automatic subscriptions

对我也有用的事情是取消自动订阅

and memberships I don't use chances are  you're paying for multiple subscriptions like

和会员资格，我不使用机会，你正在为多个订阅付费，例如

Netflix Hulu Spotify gym memberships trendy  subscription boxes or Amazon Prime it's  

Netflix Hulu Spotify 健身房会员资格 时尚订阅盒或 Amazon Prime 是

time to cancel any subscriptions you don't use  regularly and make sure you turn off auto renew

时候取消你不使用的任何订阅了不要定期使用，并确保在购买时关闭自动续订，

when you make a purchase if you cancel it and  decide you can't go without it subscribe again  

如果您取消购买并决定不能没有它，请再次订阅，

but only if it fits into your new and  improved budget it helps a lot believe me

但只有当它适合您新的和改进的预算时，它才会有很大帮助，相信我另一

another thing you can do is buy generic hands  down one of the easiest ways to save money is  

件事你能做的就是购买通用产品，最简单的省钱方法之一就是

to give brand names the boot in most cases the  only thing that's better about name brand products  

在大多数情况下给名牌产品引导，名牌产品唯一更好的

is the marketing I mean look at that box the  logo is so fancy and that's about where it ends  

是营销我的意思是看看那个盒子，标志是如此奇特，这就是它结束的地方

generic brands of medicine staple food items  like rice and beans cleaning supplies and paper  

通用品牌的药物主食，如大米和豆类清洁用品和纸

products they cost far less than their marked up  name brand friends and they work just as well too  

制品，它们的价格远低于标牌的品牌朋友，而且它们的效果也一样好，

just give it a try soon you will  get used to it seriously what else

只要尝试一下，很快您就会习惯的认真地说，还有什么可以

pay yourself first I'm sure you have heard this  before but it works when you do it constantly

先给自己付款我相信您以前听说过这个，但是当您这样做时，它会起作用，

set up an auto debit from your checking  account to your savings account each payday

每个发薪日不断地从您的支票帐户到您的储蓄帐户设置自动借记，

whether it's 50 every two weeks or 500 don't cheat  yourself out of a healthy long-term saving plan

无论是每两周 50 美元还是每两周 500 美元欺骗自己制定健康的长期储蓄计划

I know it may sound easy to say but difficult  to make but it's important to build that habit

我知道这听起来很容易，但做起来很难，但养成这种习惯很重要

another thing you can do is pack your lunch or  eat at home people waste a lot of money eating out  

你可以做的另一件事是带上午餐或在家吃饭 人们在吃饭上浪费了很多钱 每周 出去

buying lunch a few times a week may seem  harmless in the moment especially when

几次午餐似乎无害，尤其是当

your favorite restaurant is  walking distance from your office  

你最喜欢的餐厅距离你的办公室只有几步之遥

but you can save quite a bit money just by  packing lunch not only that but a lot of times  

时 但你只需带上午餐就可以省下不少钱，不仅如此，很多时候

you can buy a solid Wix worth of groceries  for the same price as two dinner meals out  

你可以用与外出两顿晚餐相同的价格购买相当于 Wix 的杂货，

instead prepare your food at home and watch  your savings pile up month after month

而不是在家准备食物，然后看着你的积蓄不断积累月复一月地

use cashback apps and coupons nothing  beats a good old-fashioned 20 off coupon  

使用现金返还应用程序和优惠券 当你买东西时，没有什么比老式的 20 折优惠券更好的了，

when you're buying something but did you know  there are plenty of cashback apps out there

但你知道吗，有很多现金返还应用程序，

you just need to search for them you can  also find them on newspapers sometimes

你只需要搜索它们，你也可以在报纸上找到它们有时

sell everything that doesn't bring you Joy I did  it when I was starting saving money and it worked

卖掉所有不能给你带来快乐的东西，当我开始存钱时，我就这样做了，它有效地

declutter the things in your home that you don't  

整理了你家里不需要的东西

need and are willing to let go off  for the sake of your financial future

，并且为了你

that vintage chair you're out gave you sell it  that crystal vase you found at an antique shop  

当年的 财务未来而愿意放弃的东西 你出去的椅子给你卖掉你在古董店找到的水晶花瓶卖掉

sell it you'd be surprised at  how much clutter you have in  

它你会惊讶地发现你家里有这么多

your home that you don't even use or think about

你甚至不使用或考虑的 杂物

and the cash you can make on those things can be  

以及你可以赚到的钱在这些事情上可能是

the difference between living  paycheck to paycheck or not

生活薪水与薪水之间的区别

these tips can help you save money that's true  but in my opinion the most important thing you  

这些技巧可以帮助你省钱，这是事实，但在我看来 ，为了省钱

should do in order to save money is create new  extra income that's the best way to save money

你应该做的最重要的事情 是创造新的额外收入，这是最好的储蓄方式 钱，

because sometimes we can't save money  because we just don't have it my friend

因为有时我们无法存钱，因为我们没有钱，我的朋友，

that's why you need to generate new extra  income that's the best way to save money

这就是为什么你需要产生新的额外收入，这是省钱的最佳方式，

that sounds interesting how can I do  that I want to earn more money tell me

听起来很有趣，我该怎么做，我想赚更多的钱告诉我对我来说，

there are many ways to do that but I  will tell you about it in another video  

有很多方法可以做到这一点，但

only if you like the idea

只有当您喜欢这个想法时，

I'm sure everyone wants to have more money they  will let us know on the comments I hope you liked  

我才会在另一个视频中告诉您 ，我相信每个人都想拥有更多的钱，他们会在评论中让我们知道我希望您喜欢

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这次对话，如果您可以进一步提高您的英语水平，请订阅该

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频道并与朋友分享此视频，如果您想支持该频道，您

can join us or click on the super thanks button  thank you very much for your support take care

可以加入我们或单击超级感谢按钮，非常感谢您的支持，保重