Shadowing English Conversation Practice (How to save money) Improve English Speaking Skills

hello Jonah what happened why  are you sad do you have any

你好，乔纳，发生了什么事，你为什么难过，你有什么

problem hello Richard yeah I  do you know money problems as  

问题吗，你好，理查德，是的，我知道你像往常一样知道钱的问题，

usual you always have that problem  bro why is that what's the matter

你总是有这个问题，兄弟，为什么这是怎么回事

well I don't know every time I receive my  payment I think it will be enough but then  

呢，我每次收到付款时都不知道，我想就足够了，但又

it isn't I think I'm spending too much  money I really need to save money but I

不够 我想我花了太多钱 我真的需要省钱，但我

can't well yeah saving some money is important  that way you won't be worried later yeah  

不行 是的，省一些钱很重要，这样你以后就不会担心了 是的，

yes I know that but I can't I try but  it doesn't work for me I opened the  

我知道但我不能，我尝试，但这对我不起作用，我开设

bank account just to save money but every  time I need more money I take it from it I  

银行账户只是为了省钱，但每次我需要更多钱时，我都会从中取出，我

don't know what to do you and I earn the  same amount of money but you're always

不知道该怎么办，我赚了同样数额的钱，但你总是

fine you know how to save money  right help me please I need to

很好，你知道如何省钱，对吧，请帮助我，我需要

know well that's true I always try  to save some money I know it is very

很好地了解，这是真的，我总是努力省一些钱，我知道这很

important I am not an expert but if you  want I can give you some tips on how to save

重要，我不是专家，但如果你想要的话，我可以给你一些关于如何省钱的建议

money yes please I'm tired of  borrowing money at the end of the

是的，我厌倦了在月底借钱 好吧

month all right the first thing  to do is establish a monthly

，首先要做的是制定每月

budget making a monthly budget is a great way to  save more money why well simple by having a budget  

预算 制定每月预算是节省更多钱的好方法 为什么很简单，通过制定预算，

you become more aware of your spanding habits and  

你会更加了解自己的扩张习惯，而

rather than spending endlessly there  are parameters to how much you can

不是无休止地花钱，有一些参数可以决定你可以

spend which ultimately leads to Greater  savings so that's important thing to do my  

花多少钱，这最终会带来更大的储蓄，所以这对我的

friend yeah but how can I make a monthly  budget I have never done something like

朋友来说很重要，是的，但我怎样才能每月赚到钱预算 我从来没有做过类似的事情

that follow these simple  steps examine your monthly

按照这些简单的步骤 检查您的月

income categorize your spending distinguishing  needs wants and goals track your

收入 对您的支出进行分类 区分需求 需求和目标 跟踪您的

spending budget for bued and irregular expenses  to ensure that your budget is helping you  

支出预算以了解临时和不定期的支出，以确保您的预算能够帮助您

save money each month you'll need to review it  consistently and make adjustments your financial

每月节省所需的钱不断地审查并进行调整您的财务

habits and goals will change over time so  your budget should reflect those changes  

习惯和目标会随着时间的推移而改变，因此您的预算应该反映这些变化，

without a budget it is impossible to  know how much you're spending every

如果没有预算，就不可能知道您每个月花了多少钱

month and remember it has to be a realistic  budget what else can you do well automate  

，记住它必须是一个现实的预算，还有什么可以做到的您做得很好 自动

transfers to a savings account an almost  effortless way you can save money each  

转账到储蓄账户 这是一种几乎毫不费力的方式 您可以每月省钱

month set up automatic transfers from  paychecks to one or more of your saving

设置从工资支票到您的一个或多个储蓄

accounts your financial institution can  help you do this once this is set up  

账户的自动转账 您的金融机构可以帮助您执行此操作 一旦设置完毕，

you won't have to worry about saving  on your own it'll be something that  

您就不会不必担心自己存钱，这会是

happens automatically making it easier  to save before you spend it count your  

自动发生的事情，使您在消费之前更容易存钱 清点

coins and bills another option is saving  your change manually by setting it aside  

硬币和账单 另一种选择是手动保存您的零钱，

each night after you have a sizable amount  you can deposit it directly into your savings

每天晚上在您有相当多的金额后将 其放在一边 可以直接存入你的储蓄

account something that also helped me a lot is to  prepare before going for grocery shopping a little  

账户，这对我也有很大帮助，那就是在去杂货店购物之前做好准备，在

work before you go to the grocery store can go a  long way to helping you save money on groceries

去杂货店之前做一些工作可以大大帮助你在杂货上省钱，

you need to make a shopping list to  avoid impulse buying something you don't

你需要做一个购物清单，以避免冲动购买不需要的东西

need learn how to get coupons and join  loyalty programs to maximize your savings  

了解如何获得优惠券并加入忠诚度计划，以

as you shop oh also important minimize  restaurant spending really important

在购物时最大限度地节省开支哦，也很重要，尽量减少餐厅开支，非常重要，

one of the easiest expensive to cut  when you want to save more is restaurant

当您想节省更多时，最容易削减的昂贵开支之一是餐厅

meals you wonder why well eating out  tends to be pricer than cooking at

吃饭你想知道为什么外出就餐往往比在家做饭更贵

home if you do still want to eat at restaurants  try to reduce the frequency and take advantage of  

如果你仍然想在餐厅吃饭尝试减少频率并利用奖励

credit cards that reward restaurant  spending this tip helped me save a  

餐厅消费的信用卡这个技巧帮助我节省了很多

lot of money because every time I was  hungry I spent money eating out with  

钱，因为每次我饿了，我都会花钱和

friends or alone even when I had food  at home so I recommend that you better  

朋友出去吃饭，或者一个人吃饭，即使我在家有食物，所以我建议你最好

prepare food at home not only is it cheaper  but it can also be much healthier believe

在家准备食物，不仅便宜，而且更健康，相信

me what else oh another thing I did  in order to save money is cancel unuse

我还有什么哦另一件事为了省钱，我所做的就是取消未使用的

subscriptions by canceling some that you don't  use or can live without you can save hundreds each

订阅，方法是取消一些您不使用或可以生活的订阅，每个月可以节省数百美元，

month consider canceling subscriptions  from gyms online gaming television and  

考虑取消健身房、在线游戏、电视和

music streaming services magazines and more that  you are not using anymore you'll be surprised to  

音乐流媒体服务、杂志以及更多您不使用的 订阅 不再，您会惊讶地知道

know how much money you can save what else  negotiate your cable and phone bills really

您可以节省多少钱 协商您的电缆和电话账单确实

helpful your cable and phone builds  aren't always set in stone on the

有帮助 您的电缆和电话构造并不总是一成不变的，相反，

contrary it's possible to negotiate with  your provider and receive lower monthly

您可以与您的提供商协商并获得较低的每月费用

rates if you don't know how to do it I will help  you with that don't worry do this research your  

如果您不知道如何做，我会帮助您，不用担心，请进行这项研究

provider and their competitor know  their perspective prices packages  

提供商和他们的竞争对手了解他们的观点 价格 套餐

and terms be prepared to leave and change  providers mention your history as a loyal

和条款 准备离开和更换 提供商提及你作为忠实

customer finally be kind but firm companies will  give you discounts so you don't stop paying for  

客户的历史 最后要友善，但公司会给你折扣，这样你就不会停止为

their products also what you can do is set  saving goals set a specific but realistic

他们的产品付费 你也可以做什么设定储蓄目标 设定一个具体但现实的

goal it may be save 5,000 in an individual  retirement account this year or pay off my  

目标 今年可能会在个人退休账户中存入 5,000 美元，或者

credit card Deb faster why do  you need to do something like

更快地还清我的信用卡 Deb 为什么你需要做好这样的事情

this well it will help you stay motivated  to save more and more money I did it and it

它会帮助你保持储蓄更多的动力更多的钱 我做到了，它

worked I set one important goal I decided  I was going to travel to Europe I needed

起作用了 我设定了一个重要的目标 我决定要去欧洲旅行 我需要

$5,000 I applied all the methods that I have  mentioned and uh it worked last year I went to  

5,000 美元 我应用了我提到的所有方法，呃，去年它起作用了 我去了

Europe I see I will do that but I still have  a lot of questions about saving money I have  

欧洲 我想我会这么做但我仍然有很多关于省钱的问题我有

a friend who is an expert in finance if you want  you can ask him your questions and he will answer  

一个朋友，他是金融专家，如果你愿意，你可以问他你的问题，他会回答

them if you also want that video please like  and comment this video take care I hope you  

你，如果你也想要那个视频，请喜欢并评论这个视频，保重我希望您

liked this conversation if you could improve  your English a little more please subscribe to  

喜欢这个对话，如果您可以进一步提高英语水平，请订阅

the channel and share this video with a friend  and if you want to support this channel you  

该频道并与朋友分享该视频，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，非常感谢您你的支持保重