All of us have heard or come across a Mr Joe who won alottery or made an inheritance that made him insanely rich overnight. But thenhe lost everything in the due course of time and turned into a pauper¹ again.But we don't want that to happen to us, do we? The trick of being wealthy isnot only to get rich but to hold on to your riches as well and that issomething that everyone is not capable of. Thankfully, we are there to help.All you need is some money saving ideas that are listed here。

我们都听说或者遇到过一个赢得了彩票或者继承了遗产而一夜暴富的“乔先生”。但后来他又失去了一切变成了一个乞丐。然而，我们并不想这些发生在我们身上，是不是？变富有的诀窍并不只是发财，而且要学会去保持你的财富，然而这并不是所有人都能够做到的。好在我们可以给你提供帮助，你需要的只是下面列出的省钱计划：

1. Don't rush into buying anything不要急于购物You might have woken up one fine morning from a dream with a deadly desire to buy a Porsche, but wait before you head off to the dealer². Always wait for at least a fortnight before making an investment and think on whether you really need it or not. Besides, it will also enable you to make an informed decision about the brand and dealer, in case you decide to go ahead and buy it。

你可能在某个晴朗的早晨从睡梦中醒来，很想买一辆保时捷，但是当你前去购买前请等一等。在做一项投资前等待两周，考虑一下你是否确实需要它。此外，如果你仍决定要买它，这还可以让对品牌和经销商做出一个知情决策。

2. Stick to the shopping list遵照购物清单Buying things on impulse should be avoided. Hold on tightly to your shopping list and don't make any unwanted deviations³ from it. If an Armani suit or a diamond necklace catches your eye, just look away。

要避免冲动购物。要严格遵照购物清单，不能买清单外的东西。如果一套阿玛尼或者一条钻石项链吸引了你的眼球，只要把脸扭过去就好。

3. Hold a get-together⁴ at home在家举办聚会You can have the same fun at home with your friends at much less cost than heading out to a posh restaurant. Avoid eating out unnecessarily and prefer celebrating at home。

在家里和朋友聚会，可以让你比在时髦的餐厅花费更少，还能享受到同样的乐趣。避免不必要的外出就餐，尽量选择在家里庆祝。

4. Prefer public transportation选择公共交通工具Public transport is not only cheaper but sometimes it gets you faster to your destination as well. Besides,you'd also be saving the planet for future generations by saving on fuel!

公共交通工具不仅便宜，而且有时能够让你更快捷的达到目的地。同样你也是在为后代拯救地球的燃料资源。

5. Avoid luxury避免享受

Do your own work instead of getting someone else to do it for you. Prepare a cup of coffee rather than heading to Starbucks. These will do wonders to your savings⁵。

自己做工作，而不是让别人来帮你。比起去星巴克，最好还是自己做一杯咖啡。这些对留住你的储蓄会有帮助。

6. Buy in bulk⁶批量购买

Whenever possible, prefer to buy in bulk. You can't imagine how much you can save this way. Non-perishable goods can be bought at wholesale⁷ rate and and safely stashed⁸ away in the store-room for future use。

如果可以的话，东西可以批量购买，你无法想象用这种方法你可以节约多少。不易腐的货物可以按照批发价购买，然后放在储藏间，以后仍然可以使用。

7. Pay bills on time按时付账单

How many times have you had to fork out late fees when you forgot to pay your electricity bills or were too busy to pay your phone bills? These unnecessary expenditures⁹ can be safely avoided by being a little more cautious。

有多少次你不得不为了那些忘记付的电费或者电话费缴纳滞纳金？这些不必要的开支稍微谨慎一些就能避免。

8. Prefer borrowing to buying and old to new借用或者买二手商品We don't expect you to go borrow your neighbor's juicer, but you are definitely encouraged to at leastborrow books from the library or your friends. When you can't help buying, buy used books rather than brand new ones。

我们并不是让你借你邻居的榨汁机，但是你至少可以在图书馆或者朋友那里借书看。如果你必须要买，最好是买二手书而不是新书。

9. Avoid brands避免过于关注品牌

More often than not, the regular shampoo has the sameingredients and is as good as, if not better than, the branded ones. The samegoes with clothes and other stuff. Don't be brand obsessed¹⁰. Buy branded thingsonly when you are sure that they are superior and to and have more utility thanthe goods on the shelf。

通常，普通的洗发水即使不比品牌的好，成分也是差不多的。衣服和其他东西也是一样的，不要着迷于品牌。只有当你确定品牌的东西更加卓越和实用时再去购买它。