"Money is better than poverty, if only for financial reasons." - Woody Allen

    We had the Parent Hacks earlier this week, and I was thinking it would be fun to do the same with finances - ways to trick yourself, to get around obstacles, to boost your accounts, without it hurting.

    Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that's worked for me.

    I'm in the best financial shape in my life, despite quitting my job and my wife recently quitting hers too. A lot of that is thanks to you guys, the readers, but it's also thanks to frugality, to eliminating debt, to saving as much as I can. To these hacks.

    Here's what works for me - please avoid flaming me, as I'm not saying they'll work for everybody. Share your tips and tricks in the comments!

    1. Use cash.

    Instead of charging things to credit cards or debit cards, use cash for non-bill spending such as eating out, gas, groceries. Spending cash makes the spending more real, and there's an added advantage of knowing when you're out of cash, instead of spending more than you

    2. Small weekly savings transfers.

    I got this idea from my friend Trent at The Simple Dollar, who automatically deducts $20 a week from his check to savings. I decided that I could live with $40/week without really feeling it - it's a relatively small transfer that I barely notice, and I save about $2,000 a year on top of my larger bi-weekly savings transfers.

    3. Stay home.

    Going out makes you more likely to spend unnecessarily. You eat at restaurants, go to the mall, stop at the gas station for snacks. It's hard to avoid spending when you're on the road. Instead, stay home, and find free entertainment. It's also a great way to bond with your family.

    4. Don't get catalogs.

    Or emailed announcements from companies trying to sell you stuff. Their announcements of sales or cool new products make it very tempting to buy something you don't need. Instead, stop the catalogs and emails from ever getting to you in the first place, and you'll spend less.

    5. Keep a 30-day list.

    If you have an impulse to buy something you don't absolutely need, put it on a 30-day list. You can't buy anything but necessities - everything else goes on the list, with the date that it's added to the list. When the 30 days are up, you can buy it - but most likely, the strong urge to buy it will be gone, and you can evaluate it more calmly.

    6. Cook at home.

    I know, it seems more difficult than eating out. But it doesn't have to be hard. Throw together a quick stir-fry with frozen veggies and either boneless chicken or （my favorite） tofu with soy sauce or tamari. Make home-made pizza with a ready-made crust, some sauce, cheese and veggies. Put some spices on something and throw it in the oven while you cook some brown rice. Not only is this much cheaper than eating out, but it's healthier.

    7. Exercise.

    Staying healthy is the best way to avoid costly medical bills later.

    8. Use the envelope system.

    It's the same idea as using cash for spending, but in addition you use envelopes to split your spending cash into categories. My non-bills categories are groceries, gas and miscellaneous spending. Three envelopes, and when they're empty, I've spent my allotment.

    9. Talk with your SO weekly.

    It's important that you and your significant other be on the same page. You should have the same financial goals, and from there you should agree on a general spending plan and a policy for impulse buying that won't have either of you wanting to choke the other. Make sure you both know what bills have been paid, what your balances are, etc. A weekly meeting of just 20 minutes accomplishes that. Communication is key.

    10. The spreadsheet tracker hack.

    There are expensive programs like MS Money, Quicken, and the like that will do amazing things with your financial information. There are even free ones, on your desktop or online, that can do all kinds of things. Trouble is, I don't need all that. All I want is a way to track my money easily, with no other bells and whistles, and a way to access that online so that I can view it from anywhere. The best way I found to do that is through Google Docs and Spreadsheets. I created a simple spreadsheet to track my bank accounts, that does everything I used to do with MS Money. It has the date of each transaction, the title and amount, a little field for memos, and a running balance. What more do I need? Keep it simple. Update: View a sample I put online here.

    11. Pay savings and debt first.

    When you sit down to pay your bills （I do them all online）, make the first bills you pay be your savings transfer and your debt payments. If not, if you pay them last … you'll often end up shortchanging them. But if you pay them first, you'll make sure you still pay your rent or mortgage, utilities, groceries and gas … so you'll just cut back on other spending.

    12. Exercise at home.

    Some of you will disagree with me on this, which is OK - everyone should do what works for them. But I've saved a lot of money that I used to spend on gyms by just running at the local track or on the roads in my neighborhood, and buying some simple weights and a chin-up bar. I do a lot of body-weight exercises （pushups, Hindu squats, lunges, pullups, dips, etc.） and I don't need a gym for those things.

    13. Cut out cable TV. I'm not saying I don't watch TV - I watch DVDs, so that I'm sure that what I'm watching is something great, rather than the useless stuff you find on TV most of the time. And there's a lot of it online for free if you look. Not a huge savings, but it adds up.

    14. Declutter.

    By getting rid of all the excess stuff in your home, you not only make your life much simpler and more peaceful, but you make it harder to buy stuff that will just clutter things up again. Once you've simplified your home, you won't want to go back.

    15. Lend and borrow.

    Give books and clothes and toys you don't need anymore to your friends and family. If you need something, send out an email asking if anyone has it. Chances are, they'll give it to you for free if they don't use it anymore.

    16. Barter.

    It's a lost art, but lots of people will take your services or goods instead of money, especially if you're friends or at least know each other. Get into the habit of offering to barter, and you'll find yourself saving a lot of money. My website design was done through the barter system, so I saved well over $1,000 there, for example.

    17. Use online savings.

    I use Emigrant Direct, but ING Direct is also popular, as are a bunch of other online banks. Not only do you earn like twice the interest of a normal bank savings account, but if you don't get the ATM account it's not as easy to withdraw money … making it less likely that you'll get money out on an impulse.

    18. Try frugal gift-giving.

    Giving people gifts is one of the most wonderful traditions, as it shows generosity and caring. Until it becomes commercialized. Then it's just really really expensive. Instead, try giving the gift of spending time with someone. Try giving them something you baked or made yourself. Try giving them services they'd appreciate. It doesn't have to cost a lot to be generous.

    19. Teach your kids about advertising, saving, earning, and gift-giving.

    If you have kids, educating them about money will save you a lot of money in the long run. If they know about how advertising influences them in tricky ways, they'll be less likely to demand （OK, beg and plead for） the latest fad toys. If they know about saving and earning money, they'll respect the money that you earn, and that you are trying to save. If they know that gift-giving doesn't have to be about spending a lot of money （see above）, they won't necessarily want expensive stuff.

    20. Find happiness in life, not spending.

    Many times people buy stuff because they think （subconsciously perhaps） that it will bring them happiness. They just HAVE to have the latest gadget or shoes or cars. It's so fun! And yet, you buy that stuff, and you're only happy for a day or two at most. Then you just need to buy more. It's a never-ending cycle. Instead, learn to love life. Find joy in nature! In the people around you! In doing something you love! In exercise and meditation! There's so much in life to make us happy, there's no need to find it in spending.

    "I'd like to live as a poor man with lots of money." - Pablo Picasso

    "若僅就錢論事的話，有錢總比沒錢好。 "--伍迪·艾倫

    在本周初，我介紹了一些當好家長的技巧，隨後我尋思，或許再介紹些理財的技巧也不錯，諸如自我理財竅門
、如何避免投資陷阱、如何使投資快速盈利且不虧損之類的。

    一般而言，經濟狀況的改善會促進幸福感的提升，因此
，我認為有必要將我個人認為很受用的方法分享給大家。

    盡管最近我妻子和我都辭職了，我卻認為我們的經濟狀況是有史以來最好的。這大多是你們--我親愛的讀者們的功勞，同時還多虧了我一直以來奉行的"方針"--厲行節約、杜絕負債、能省則省--也就是所謂的理財絕招。

    以下是我認為很有用的技巧--但如果它對您沒用，也請您不要遷怒於我
，我可沒保證它對誰都有用。您還可以通過留言分享您的理財訣竅。

    1. 使用現金 .

    在可使用現金的場合，例如餐廳、加油站、以(yi)及(ji)超(chao)市(shi)時(shi)
，一(yi)定(ding)要(yao)使(shi)用(yong)現(xian)金(jin)而(er)不(bu)是(shi)刷(shua)信(xin)用(yong)卡(ka)或(huo)借(jie)記(ji)卡(ka)。支(zhi)出(chu)現(xian)金(jin)能(neng)使(shi)你(ni)更(geng)加(jia)真(zhen)切(qie)地(di)感(gan)受(shou)自(zi)己(ji)的(de)消(xiao)費(fei)行(xing)為(wei)，此(ci)外(wai)，還(hai)可(ke)以(yi)便(bian)於(yu)你(ni)更(geng)好(hao)地(di)掌(zhang)握(wo)自(zi)己(ji)的(de)經(jing)濟(ji)狀(zhuang)況(kuang)
，避(bi)免(mian)入(ru)不(bu)敷(fu)出(chu)的(de)情(qing)形(xing)出(chu)現(xian)。

    2. 每周轉存點錢。

    我有一個在Simple Dollar工作的朋友
，特倫特，他每周都從開支中留出20美元並存到一個固定的賬戶。受他啟發
，我決定每周拿出40美元存起來--40美元其實不算多，它完全不影響我的日常生活質量。一年下來
，我竟然存下了2000美元--這都是每周轉存40美元的功勞。

    3. 待在家裏。

    待在外麵會使你花很多不必要的錢。上餐館會多花錢

、逛商場也會多花錢
、就jiu連lian停ting在zai加jia油you站zhan你ni都dou有you可ke能neng因yin為wei買mai零ling食shi而er多duo花hua錢qian。你ni在zai外wai麵mian就jiu避bi免mian不bu了le各ge種zhong各ge樣yang的de花hua銷xiao，而er留liu在zai家jia裏li，你ni不bu但dan可ke以yi觀guan看kan免mian費fei娛yu樂le節jie目mu
，還hai能neng增zeng進jin與yu家jia人ren的de感gan情qing--多棒啊！

    4. 拒絕宣傳手冊。或宣傳銷售產品的電子郵件。

    他ta們men對dui其qi新xin奇qi酷ku或huo促cu銷xiao產chan品pin的de宣xuan傳chuan很hen可ke能neng誘you使shi你ni購gou買mai你ni用yong不bu著zhe的de東dong西xi。因yin此ci，從cong源yuan頭tou上shang杜du絕jue這zhe類lei慫song恿yong你ni買mai東dong西xi的de宣xuan傳chuan信xin息xi，能neng大da大da減jian少shao你ni的de開kai支zhi。

    5. 列個"30天考驗"清單。

    如果你因為衝動而想買一些不是特需要的東西
，那麼你先把它放到"30天考驗"清單上。你的錢隻能你買生活必需品，所以其他的都列到清單裏，並標注好日期。當30天考驗期一過
，你就可以買下它們了--但結果往往是
，你早已失去那強烈的購買欲了，這也有利於你更冷靜地做出買或不買的決定。

    6. 在家就餐。

    wozhidaonikendinghuishuozhebixiaguanzimafanduole，qishi
，zaijiazuofanbingfeinamekunnan。nizhixuyaobalengdongshucaihequgujiroufangdaoguoli
，chaoyichao，guoguore，jiukeyichuguole。（我的最愛）豆腐加醬油的搭配也不賴。你還可以試試自做披薩：在做好的披薩底上，放一些醬
、nailaoheshucai
，zaisashangyixiexiangliaohoubatafangdaokaoxiangli，zaidengdaipisachuludetongshi
，nikeyizhujibeicaomi。biqiwaichujiucan，zijizuofanbudangengjingjishihui，haigengjiajiankangyingyang。

    7. 運動。

    保持強健的體魄等於節省昂貴的醫療費。

    8. 利用信封理財。

    這與使用現金是一個道理，隻不過你需要用信封類為你的開支分類。我的非支票支出分類如下：日常食品、天然氣和其他雜項支出。當這三個信封一空
，我就不再亂花錢。

    9. 每周與你的愛人聊聊。

    你的愛人是否與你同步是很重要的。你們應該有相同的經濟目標
、共同商定大致開支計劃以及製定非理性購物（衝動購物）善後政策--即當任何一方因衝動購買某物後
，如何處理才不至於出現拚個你死我活的場麵。建議你們每周開個20分鍾的小會，以確保你們倆都清楚賬單支付情況、以及賬戶餘額等。總之，溝通是關鍵。

    10. 電子記賬法。

    購買諸如微軟出品的理財通
、Quicken及(ji)其(qi)他(ta)類(lei)似(si)軟(ruan)件(jian)是(shi)很(hen)費(fei)錢(qian)的(de)，但(dan)他(ta)們(men)處(chu)理(li)各(ge)類(lei)財(cai)務(wu)信(xin)息(xi)的(de)功(gong)能(neng)也(ye)的(de)確(que)不(bu)是(shi)蓋(gai)的(de)。你(ni)甚(shen)至(zhi)可(ke)以(yi)從(cong)你(ni)的(de)軟(ruan)件(jian)庫(ku)裏(li)或(huo)網(wang)上(shang)
，找(zhao)到(dao)具(ju)有(you)此(ci)類(lei)功(gong)能(neng)的(de)免(mian)費(fei)安(an)裝(zhuang)程(cheng)序(xu)。但(dan)問(wen)題(ti)是(shi)，那(na)麼(me)多(duo)的(de)功(gong)能(neng)我(wo)根(gen)本(ben)用(yong)不(bu)著(zhe)，我(wo)所(suo)想(xiang)要(yao)的(de)不(bu)過(guo)是(shi)找(zhao)到(dao)一(yi)種(zhong)易(yi)操(cao)作(zuo)的(de)方(fang)法(fa)

，來(lai)記(ji)錄(lu)我(wo)資(zi)金(jin)的(de)流(liu)向(xiang)

，不(bu)需(xu)要(yao)多(duo)花(hua)裏(li)胡(hu)哨(shao)，隻(zhi)要(yao)能(neng)兼(jian)具(ju)聯(lian)網(wang)功(gong)能(neng)就(jiu)可(ke)以(yi)了(le)，因(yin)為(wei)這(zhe)樣(yang)我(wo)就(jiu)能(neng)隨(sui)時(shi)隨(sui)地(di)監(jian)控(kong)了(le)。通(tong)過(guo)實(shi)踐(jian)，我(wo)發(fa)現(xian)穀(gu)歌(ge)文(wen)檔(dang)和(he)電(dian)子(zi)表(biao)格(ge)可(ke)以(yi)達(da)到(dao)我(wo)想(xiang)要(yao)的(de)功(gong)能(neng)。以(yi)往(wang)需(xu)要(yao)微(wei)軟(ruan)理(li)財(cai)通(tong)才(cai)能(neng)實(shi)現(xian)的(de)賬(zhang)戶(hu)追(zhui)蹤(zong)，如(ru)今(jin)僅(jin)需(xu)要(yao)建(jian)立(li)一(yi)個(ge)電(dian)子(zi)表(biao)格(ge)就(jiu)可(ke)以(yi)了(le)。它(ta)能(neng)記(ji)錄(lu)每(mei)筆(bi)交(jiao)易(yi)的(de)日(ri)期(qi)
、內容和數額
，還可以添加備注
，以及顯示收支狀態。一切我想要的功能它都有，我還在奢求什麼？保持簡單最好。（最新添加：請看我的示例。--一個下載文件，即他的理財模板。譯者注）

    11. 存錢還款第一位。

    當你開始支付帳單時（我通常在線完成）,請務必確保你把儲蓄轉存和債務還款排在首位。如果你不這麼做，而拖到最後才轉存和還款…name，nihuifaxiannimeifawanchengnideyudingcunkuanehuohaiqingqiankuan。danruguonidiyibujiushizhuancunhehaikuan，namenihuijingdaxisuanyiquebaoliuyouzugoudeqianlaizhifufangzuhuodiyadaikuan、水電費、雜貨和燃氣費用…從而自然而然地削減其他不必要的開支。

    12. 把家變成健身房。

    也許你們中有些人並不認同我的這個觀點，我完全理解--因(yin)為(wei)每(mei)個(ge)人(ren)都(dou)該(gai)采(cai)取(qu)對(dui)他(ta)自(zi)己(ji)而(er)言(yan)最(zui)有(you)用(yong)的(de)方(fang)式(shi)。但(dan)於(yu)我(wo)而(er)言(yan)，僅(jin)需(xu)將(jiang)鍛(duan)煉(lian)場(chang)所(suo)轉(zhuan)移(yi)到(dao)臨(lin)近(jin)公(gong)路(lu)上(shang)
，外(wai)加(jia)添(tian)置(zhi)幾(ji)件(jian)鍛(duan)煉(lian)器(qi)械(xie)，我(wo)就(jiu)省(sheng)下(xia)一(yi)大(da)筆(bi)去(qu)健(jian)身(shen)房(fang)的(de)開(kai)支(zhi)。沒(mei)有(you)健(jian)身(shen)房(fang)，我(wo)在(zai)家(jia)一(yi)樣(yang)能(neng)鍛(duan)煉(lian)身(shen)體(ti)，我(wo)可(ke)以(yi)做(zuo)各(ge)種(zhong)提(ti)升(sheng)身(shen)體(ti)力(li)量(liang)的(de)練(lian)習(xi)（如俯臥撐，印度深蹲，紮弓步，拉伸肌肉，壓腿等）.

    13. 不看有線電視節目。

    我並不是說不看電視--我會看DVD碟(die)，因(yin)為(wei)我(wo)能(neng)確(que)定(ding)我(wo)所(suo)播(bo)放(fang)的(de)是(shi)有(you)意(yi)義(yi)的(de)東(dong)西(xi)，而(er)不(bu)是(shi)電(dian)視(shi)上(shang)常(chang)播(bo)的(de)那(na)些(xie)沒(mei)勁(jin)的(de)節(jie)目(mu)。如(ru)果(guo)你(ni)留(liu)心(xin)注(zhu)意(yi)的(de)話(hua)，你(ni)還(hai)能(neng)在(zai)網(wang)上(shang)發(fa)現(xian)各(ge)種(zhong)免(mian)費(fei)的(de)東(dong)西(xi)。雖(sui)然(ran)省(sheng)不(bu)了(le)太(tai)多(duo)，但(dan)是(shi)積(ji)土(tu)成(cheng)山(shan)嘛(ma)！

    14. 簡化房間。

    把ba家jia裏li多duo餘yu的de東dong西xi都dou丟diu掉diao
，你ni會hui發fa現xian
，不bu僅jin生sheng活huo變bian得de更geng簡jian單dan更geng安an寧ning了le，你ni也ye變bian得de不bu再zai輕qing易yi買mai隻zhi會hui給gei家jia裏li添tian亂luan的de東dong西xi了le。一yi旦dan你ni的de家jia變bian得de簡jian潔jie明ming淨jing，你ni就jiu會hui竭jie力li保bao持chi它ta的de整zheng潔jie而er避bi免mian曆li史shi重zhong演yan。

    15. 贈送與索取。

    把你不再需要的書籍

、衣yi服fu和he玩wan具ju送song給gei你ni的de朋peng友you和he家jia人ren，而er當dang你ni需xu要yao什shen麼me東dong西xi時shi，就jiu發fa封feng郵you件jian詢xun問wen誰shui有you。你ni會hui發fa現xian，如ru果guo他ta們men正zheng好hao有you而er且qie再zai也ye用yong不bu著zhe的de話hua，他ta們men會hui免mian費fei送song你ni你ni需xu要yao的de東dong西xi。

    16. 一物換一物。

    這(zhe)是(shi)一(yi)項(xiang)失(shi)傳(chuan)的(de)藝(yi)術(shu)。也(ye)許(xu)很(hen)多(duo)人(ren)交(jiao)換(huan)的(de)將(jiang)是(shi)你(ni)的(de)服(fu)務(wu)或(huo)商(shang)品(pin)而(er)不(bu)是(shi)金(jin)錢(qian)

，特(te)別(bie)是(shi)你(ni)的(de)朋(peng)友(you)，或(huo)者(zhe)認(ren)識(shi)的(de)人(ren)。你(ni)會(hui)發(fa)現(xian)，以(yi)貨(huo)易(yi)貨(huo)的(de)習(xi)慣(guan)能(neng)為(wei)你(ni)省(sheng)一(yi)大(da)筆(bi)錢(qian)。 例如，我的網站設計工作就是得益於易貨交易，這為我至少省了1000美元。

    17. 使用在線儲蓄。

    我用的是移民公司的在線儲蓄服務，但ING公司（荷蘭在線銀行）的也很受歡迎，此外還有其他很多在線銀行。你不僅可以得到幾乎兩倍於普通銀行存款的利息

，還可以避免因一時衝動而亂取錢花--因為如果你不開設ATM賬戶，取錢就很費勁，那麼你就不那麼輕易花錢了。

    18. 送禮從簡。

    送禮是我們最美好的傳統之一
，因為它表達了你對他人慷慨和關愛之情。但隨著送禮商業化，它貴得越來越離譜。那麼，就換種方式吧：嚐試多陪陪他人
，這也是一種形式的禮物；或者送給他們你親手烘焙或製作的東西
；要不然還可以試著提供他們會喜歡的服務。總之
，你不需要通過花錢來顯示自己有多麼大方。

    19. 教育你的孩子，讓他們明白什麼是廣告
、儲蓄
、收入、和送禮。

    如ru果guo你ni有you孩hai子zi
，你ni要yao告gao訴su他ta們men，從cong長chang遠yuan的de角jiao度du看kan，錢qian能neng生sheng財cai。如ru果guo他ta們men能neng看kan透tou廣guang告gao是shi如ru何he狡jiao猾hua地di誘you使shi他ta們men買mai東dong西xi的de話hua，他ta們men也ye許xu就jiu不bu太tai會hui要yao求qiu你ni買mai（好吧
，應該是苦苦央求你買）最zui新xin流liu行xing的de玩wan具ju。如ru果guo他ta們men了le解jie什shen麼me是shi存cun錢qian和he掙zheng錢qian，他ta們men就jiu會hui懂dong得de你ni掙zheng錢qian的de辛xin苦ku和he努nu力li存cun錢qian的de苦ku心xin。如ru果guo他ta們men明ming白bai送song禮li並bing不bu一yi定ding要yao花hua很hen多duo錢qian（見上一條）,他們就不再隻要昂貴的禮物了。

    20. 發現生活中的幸福，而不是通過花錢來營造幸福的幻覺。

    人們之所以買東西，常常是因為他們認為（也許是潛意識認為）這樣能帶給他們幸福。因此，他們不得不購買最新款的小玩意、鞋或車--還自認為，這多麼有意思啊！其qi實shi


，即ji使shi你ni買mai了le某mou樣yang東dong西xi，你ni最zui多duo也ye就jiu高gao興xing上shang一yi兩liang天tian。而er接jie下xia來lai，你ni需xu要yao不bu斷duan地di購gou買mai添tian置zhi新xin東dong西xi，常chang此ci以yi往wang，最zui終zhong陷xian入ru惡e性xing循xun環huan。實shi際ji上shang，你ni隻zhi需xu要yao學xue會hui熱re愛ai生sheng活huo。從cong大da自zi然ran中zhong尋xun找zhao樂le趣qu！通過與身邊的人交往而收獲快樂！去做你熱衷的事來獲得成就感！在健身和冥想中提升幸福感！生活中有如此多值得我們高興的事情
，我們沒必要靠花錢來買幸福。

    "即使我不缺錢，我也希望自己能過窮人般簡樸的生活。 "--派卜羅·畢加索