当你手头紧的时候，你会使用哪些技巧?

Betterways
Don’t spend money on stupid things - bottled drinks, crap processed food, etc. Learn to cook dishes based on beans. Manicures. Cable TV.
High-cost cell phone plans. Check out Mint Mobile. Buy refurbished. Far cheaper to buy a certified refurbished or last year’s overstock phone and Mint Mobile than using any plan that includes a “free” phone.
Adjust your thermostat and turn things off.
Limit driving. Combine trips.
Shop resale.
Cut your own hair if you can. This is easy for long hair. Easy to trim bangs. And for men with short hair, easy with those electric clippers.
Do not run up credit card bills. If you can’t pay in full, don’t buy it.
Keep your bank balances so you don’t end up paying overdraft fees and the like. IF you can’t then you may need to close the account.
I wouldn’t know much about the bank fee issue as I’ve never been this broke. Partly because I always do the other things I listed.

不要在愚蠢的事物上浪费金钱——比如瓶装饮料、劣质加工食品等；学习用豆类制作菜肴；避免做美甲和订阅昂贵的有线电视服务。
选择低成本的手机套餐，比如Mint Mobile。购买翻新或去年的库存手机，这比使用那些所谓“免费”手机的计划要划算得多。
调整你的恒温器温度，并关掉不必要的电器。
尽量减少开车次数，合并出行计划。
购买二手商品。
如果可能的话，自己剪发。对于长发来说，修剪刘海很容易；对于短发男士，使用电动剪发器也很简单。
不要无节制地使用信用卡。如果不能全额支付，就不要购买。
保持银行账户余额充足，避免支付透支费等费用。如果做不到，你可能需要关闭账户。
我对银行费用问题不太了解，因为我从未如此贫困。部分原因是我总是坚持上述列出的做法。

David Lewis
First, make and stick to a budget. That will make sure that you spend as much money as you can while saving.
Cut out unnecessary expenses, like eating out, and try to cook at home.
Use cashback apps like Rakuten, chaching.me or Honey, all are good ways to save on shopping, adn while it may not give you that much, anything saved makes a difference.
Shop secondhand, avoid using credit cards that you can’t pay off.
Keep yourself entertained cheaply, instead of seeing a movie, go for a walk.

首先，制定预算并严格遵守。这样可以确保你在储蓄的同时，能有效地使用资金。
削减不必要的开支，比如减少外出就餐，尽量在家做饭。
使用像Rakuten、chaching.me或Honey这样的返现应用程序，这些都是在购物时节省开支的好方法。虽然节省的金额可能不多，但积少成多。
购买二手商品，若不能还清，就避免使用信用卡
寻找低成本的娱乐方式，比如散步，而不是去看电影。

Dale Raby
Money has always been tight. Here are some of the things that I do:
Stay away from restaurants.
Follow the Mexicans. Shop where they shop.
Keep money in banks that you have to drive to in order to get the money.
If you have a surplus of money… like at tax refund time, buy some gold and/or pay off any outstanding bills. If you don’t have cash on hand, you won’t spend it.
Give any potential wife the paper and pencil test. Give her a piece of paper and a pencil. Tell her to set up a household budget. If she stares at you with a confused expression, pay for her drink and leave. If, however, she draws a “T” on the paper, labels one column “expenses” and the other column “revenue”, then starts asking questions related to income, bills and possibly hard assets if she extends this rudimentary income statement to a balance sheet, that one is a “keeper”.
Don’t buy new cars.

钱一直很紧张，以下是我做的一些事情:
远离餐馆。
向墨西哥人学习，去他们购物的地方购物。
把钱存在必须开车去取钱的银行。
如果你有额外的资金，比如退税时，购买一些黄金或者还清未结的账单。如果你手头没有现金，就不太可能随意花钱。
让潜在的伴侣进行纸笔测试：给她一支笔和一张纸，让她制定一个家庭预算。如果她显得困惑，只需为她买杯饮料然后离开。然而，如果她在纸上画了一个“T”字，将一栏标记为“支出”，另一栏标记为“收入”，并开始询问与收入、账单和可能的固定资产相关的问题，表明她能够将这个基本的收入表扩展到资产负债表，那么这样的女人值得珍惜。
不要购买新车。

If the woman looks expensive, she probably is. Shop for wives in places like libraries, grocery stores and maybe churches. Odds are the goods there will be of better overall quality than those you will find in a tavern.
Pay people what they are worth and don’t try to beat them down. Some day, you might need a favor… and service people have long memories.
Don’t get divorced.
Don’t live in New York City or anywhere in California.
Do NOT have a credit card and don’t borrow money.
Learn the difference between wants and needs. You don’t always get what you want in life. Sometimes that is a good thing. Consider the very real possibility that if the woman tells you “no”, she may be doing you a very big favor.
I am not especially wealthy. I don’t own my own home and I have seldom made much more than minimum wage. I live in an old farm house in the country and drive a 2009 Lincoln Town Car. I have few if any outstanding bills. I keep enough cash on hand to handle current expenses and put the rest into long-term investments… not always the ones my financial advisor(s) suggest.
You cannot live on nothing, but you can live on very little. Our ancestors “made do” with what they had. This is something modern people have forgotten how to do.

如果一位女性看起来生活奢侈，她很可能确实如此。你应该在图书馆、杂货店或者教堂等地方寻找未来的伴侣。在这些地方，你遇到的人在整体素质上可能比在酒吧里找到的要高。
要公平地支付人们应得的报酬，不要试图贬低或剥削他们。因为在未来，你可能需要他们的帮助——记住，服务行业的人员记忆力很好。
避免离婚。
不要住在纽约市或加州的任何地方。
不要有信用卡，也不要借钱。
学会区分想要的东西和真正需要的东西。在生活中，你并不总是能得到你想要的，有时这其实是好事。考虑一下，如果一个女人拒绝了你，她可能在帮你一个大忙。
我不是特别富有。我没有自己的房子，我的收入很少超过最低工资。我住在乡下的一所老农舍里，开着一辆2009年的林肯·城市 ，我几乎没有未付的账单。我手头有足够的现金来应付日常开支，剩下的钱用于长期投资，但并不总是像我的财务顾问建议的那样。
人不可能不花分文地生活，但你确实可以靠非常少的钱过日子。我们的祖先懂得如何“将就”使用他们所拥有的资源。这是现代人已经渐渐忘却的一种生活智慧。

Lisa Dawson
What are some tips that you use when money is tight?
When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.
Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.

当你手头紧的时候，你会使用哪些技巧?
当你登录到银行账户时，你的储蓄看起来如何？可能不像你希望的那样好。积累(并保持)一笔可观的储蓄似乎总是一场艰苦的战斗。
但如果你的车坏了，或者你突然有一笔医药费该付该怎么办?
我们不是在评头论足——我们不会那样做。我们是来帮助你的。我们只是不希望你为了付一些糟糕的水暖费而不得不卖掉你继承的猫王签名的天鹅绒裤子，那条裤子真漂亮。
试试下面的建议，开始积累你的财富，这样你就可以轻松地呼吸了。

1. No Offense, But if You Don’t Use This Free Tool, You’re Overpaying on Amazon
Wouldn’t it be nice if you got an alx when you’re shopping online at Amazon and are about to overpay?
That’s exactly what this free service does.
Just add it to your browser for free, and before you check out, it’ll check other websites to see if your item is available for cheaper. Let’s say you’re shopping for a new smart vacuum, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact vacuum is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.
In the last year, this has saved people $800 million.
You can get started in just a few clicks to see if you’re overpaying online.

无意冒犯，但如果你不使用这个免费工具，你在亚马逊上就会多付钱
当你在亚马逊(Amazon)网上购物，准备多付一笔钱时，如果能收到提醒，那不是很好吗?
这正是这项免费服务所发挥的作用。
只需将它免费添加到浏览器中，在你结账之前，它会检查其他网站，看看你的商品是否有更便宜的。假设你正在要购买新的智能吸尘器，你认为你已经找到了最好的价格。这时，你会收到一个弹出窗口，告诉你那个吸尘器是否在其它地方更便宜。如果有可用的优惠券，它们也会自动应用到你的订单中。
在过去的一年里，这已经为人们节省了8亿美元。
只需点击几下，你就可以看到你是否在网上购物时多付了钱。

2. Cancel Your Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.
Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

取消你的汽车保险
事情是这样的：你目前的汽车保险公司可能在过高地向你收费。但是不要浪费时间在不同的保险公司之间跳来跳去，寻找更好的交易。
使用一个名为EverQuote的网站，一次性查看你所有的选择。
EverQuote是美国最大的在线保险市场，所以你将得到来自超过175家不同承运人的顶级选择。
花几分钟回答一些关于你自己和你驾驶记录的问题。有了这些信息，EverQuote将能够为你提供汽车保险的顶级推荐方案。只需几分钟，你就可以每年节省高达610美元。

3. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion
It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.
A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.
It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.
And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.
They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.
It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

只需分享你的诚实意见，每月最多可赚取140美元
听起来很奇怪，但品牌想听听你的意见。这对他们做出商业决策有帮助，所以他们愿意为此向你支付费用——每月高达140美元。
一个名为“品牌调查”的免费网站，如果你与他们的品牌合作伙伴分享你的想法，每份调查将付给你5美元。每天做三份快速调查，每个月最多可以赚到140美元。
只需一分钟，你就可以创建一个免费账户，并开始获得报酬，说出你的想法。大多数调查需要5到15分钟，你可以提前检查他们需要多长时间。
你也不需要积累很多钱才能提现——一旦你赚到5美元，你可以通过PayPal、你的银行账户、礼品卡或亚马逊提现。你会在48小时内收到报酬，仅仅因为你分享了你的意见。
自2012年以来，他们已经向用户支付的费用超过2000万美元，最活跃的用户每月可以赚取几百美元。此外，他们在“Trustpilot（全球的评论平台）”上获得了“优秀”的评级。
创建你的账户并开始通过参加调查获得报酬，只需一分钟。另外，现在，只要你成为社区的一员，你就会得到一个免费的100点欢迎奖励。

4. Earn as Much as $1K/Month Doing Simple Online Tasks
Is there such a thing as easy money? If you know your way around the web, there certainly is.
That’s because data is currency these days, and many companies are willing to pay cash for it — up to $1,000 per month.
Finding these companies can be time-consuming on your own. But a company called Freecash has compiled all sorts of quick cash tasks from about a dozen advertisers and market research companies thirsty for more data. Freecash has paid out over $13 million to users since 2019.
You can pick and choose your tasks and complete them at your convenience. The coins you earn from each completed task can be converted into things like Visa gift cards, Amazon gift cards, cryptocurrency or cold-hard PayPal cash.
Signing up for a Freecash account is easy and there’s no minimum amount you need to earn before you can cash out. And if you’ve got enough free time on your hands, you can join the ranks of Freecash users making more than $1,000 a month in extra cash.

通过执行简单的在线任务，每月赚取高达1000美元
有没有容易赚到钱的事?如果你熟悉网络，当然有。
这是因为如今数据就是货币，许多公司愿意支付现金——每月高达1000美元。
你自己找这些公司可能很费时间。但一家名为Freecash的公司汇编了十几家渴望获得更多数据的广告商和市场研究公司提供的各种快速变现任务。自2019年以来，Freecash已向用户支付了超过1300万美元。
你可以挑选你的任务，并在你方便的时候完成它们。你从每一个完成的任务中获得的硬币可以转换成Visa礼品卡、亚马逊礼品卡、加密货币或PayPal现金。
注册一个Freecash账户很容易，在你可以兑现之前没有最低金额的限制。如果你有足够的空闲时间，你可以加入Freecash用户的行列，每个月赚取超过1000美元的额外现金。

5. Stop Paying Your Credit Card Company
If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.
If you owe your credit card companies $100,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 6.40% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
You don’t need a perfect credit score to get a loan Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

停止向你的信用卡公司付款
如果你有信用卡债务，你知道的，你永远无法逃脱焦虑、利率、恐惧。
事实上，你的信用卡公司并不在乎。它只是通过向你收取高利率——有些高达36%——来致富。但是一个名为AmOne的网站想要提供帮助。
如果你欠信用卡公司10万美元或更少，AmOne会将你与一个低利率贷款匹配，你可以用它来还清你所有的余额。
好处是什么？你将只剩下一个每月要支付的账单。由于个人贷款的利率有更低（AmOne的利率从6.40% 的年化利率开始），你将更快地摆脱债务。另外：本月无需还款。
你不需要完美的信用评分就能获得贷款。另外，AmOne保护你的信息的隐私和安全，这可能是为什么在经营20年后，它仍然被美国商业局评为A+的评级的原因。
只需不到一分钟的时间和10个问题，就可以看到你能获得哪些贷款——你甚至不需要输入你的社会安全号码。为了符合条件，你需要给AmOne一个真实的电话号码，但不用担心——他们不会用电话骚扰你。