Buy used: Whether it’s something small like a vintage dress or a video game or something big like a car or furniture, consider buying it used. You can often get “nearly new” for a fraction of the cost.

购买二手货：小到复古连衣裙或者电子游戏，大到汽车或者家具，你都可以考虑购买二手货。你经常能够只花原价的一个零头就买到九成新的货品。

Stick to the list. Make a list before you go shopping and don’t buy anything that’s not on the list unless it’s a once in a lifetime, killer deal.

按计划购物：购物前，拟好购物清单；购物时，切勿购买清单上未列出的商品，除非是碰到一生难遇的买卖。

Tame the impulse. Use a self-enforced waiting period whenever you’re tempted to make an unplanned purchase. Wait for a week and see if you still want the item.

克服冲动消费：当你有了计划之外消费的冲动时，强迫自己等上一段时间，一周以后再看看自己是否仍想购买这件物品。

Don’t be afraid to ask. Ask to have fees waived, ask for a discount, ask for a lower interest rate on your credit card.

不怕提要求：你可以要求免单、折扣、或是降低信用卡还款利息。

Repair rather than replace. You can find directions on how to fix almost anything on the internet. Do your homework, and then bring out your inner handyman.

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