他们脱贫之道：不浪费钱在这8件事
<div style=""><picture style="box-sizing: border-box;"><font face="宋体" style="" size="4"><br></font></picture></div><picture style="box-sizing: border-box;"><font face="宋体" size="4"><img alt="Image by Tima Miroshnichenko from Pexels" class=" lazyloaded" data-src="https://pgw.worldjournal.com/gw/photo.php?u=https://uc.udn.com.tw/photo/wj/realtime/2025/03/05/31598468.jpg&x=0&y=0&sw=0&sh=0&sl=W&fw=800&exp=3600&q=75" src="https://pgw.worldjournal.com/gw/photo.php?u=https://uc.udn.com.tw/photo/wj/realtime/2025/03/05/31598468.jpg&x=0&y=0&sw=0&sh=0&sl=W&fw=800&exp=3600&q=75" _mstalt="1147718" _msthash="220" style="box-sizing: border-box; border-style: none; object-fit: contain; width: 580px; height: 386px;"></font></picture><figcaption _msttexthash="1147718" _msthash="221" style="box-sizing: border-box; line-height: 1.4; padding-top: 10px; padding-bottom: 10px; color: rgb(126, 126, 126); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体" size="4">Image by Tima Miroshnichenko from Pexels</font></figcaption><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font _mstmutation="1" _msttexthash="2152068932" _msthash="222" style="box-sizing: border-box;" face="宋体" size="4">过去几年来，美国贫穷问题日益严重。 根据金融顾问公司 Debt.org 的数据，约3790万或11.5%美国人生活贫困; 人口普查局的报告指出，在2024年，如果一家四口年收入低于3万1200元，就算是生活贫困，这数字对单身者而言是1万5060元。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="1323754640" _msthash="223" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">尽管这些数字看来悲惨，但脱离贫穷是有可能的。 理财网站GO Banking Rates访问了一些人，他们表示自己出身贫穷，虽然现在经济大有改善，但不会浪费金钱在以下这8件事上。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="28909192" _msthash="224" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">1. 快时尚或廉价鞋</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="676073333" _msthash="225" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">「天生聪颖」（Born Bright） 一书作者C·尼可·梅森（C. Nicole Mason）由单亲母亲抚养长大，自小深知手头拮据的滋味。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="1713503909" _msthash="238" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森说，小时候他们每年会买两次鞋，一次在秋天、一次在春天。 她母亲买的是高品质的鞋，因为它们必须耐用。 直至今日，在买衣服时，她仍相信质量重于数量，宁愿投资在持久的单品与可维修的好鞋。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font _mstmutation="1" _msttexthash="21392891" _msthash="239" style="box-sizing: border-box;" face="宋体" size="4">2. 租屋或租车</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="2671931743" _msthash="240" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森表示，小时候每遇房租上涨，便意味着他们得搬家，这影响了她对租屋与购屋的看法。 她说，25岁时，房东要提高房租，促使她买了第一个家。 她意识到明智的财务选择是购买，而非继续面对不可预测的租金上涨; 现在她拥有三栋房屋，累积了不少资产。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="807627262" _msthash="241" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森还说，她只买车，不再租车。 她在大学时，便体会到租赁的缺点，「在合约结束时，没有得到任何东西，还欠租车公司损耗费」。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="34202467" _msthash="242" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">3. 滞纳金或附加费</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="426122723" _msthash="243" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森坚持的另一件事是滞纳金与附加费，穷困的时候，这些费用有时无可避免，且代价高昂。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="386196070" _msthash="244" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森指出，她会准时缴付账单，避免滞纳金，并远离有大量费用或附加费的金融商品。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="37906375" _msthash="245" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">4. 护肤或护发美容产品</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="630727136" _msthash="246" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森说，市值数十亿的美容业努力说服消费者花钱在皮肤和头发保养上。 她说，小时候只用些基本产品，且似乎都很好用。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="367411460" _msthash="247" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">如今她仅维持简单的皮肤和头发护理程序，只靠几种保养品，花的时间不超过五分钟。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="40022008" _msthash="248" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">5. 昂贵的会员费或嗜好</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="501041229" _msthash="249" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">梅森表示，赚的钱越多，就会有越多邀请加入花稍健身房、俱乐部或尝试最新健身热潮，她只会说「不」。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="573135095" _msthash="250" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">她加入的健身房「非常基本」，也避免参加只限会员的俱乐部，因为这些会为她不需要的额外设施收取高昂费用。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="15807740" _msthash="251" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">6. 外出用餐</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font _mstmutation="1" _msttexthash="2007019196" _msthash="252" style="box-sizing: border-box;" face="宋体" size="4">理财网站GreenPal共同创办人金·卡巴耶鲁（Gene Caballero）表示，他的理财历程颇为戏剧性，在不富裕的环境中长大，最后步入中上阶层。 他说，即使现在财务已经稳定，这些经历大大影响了他的消费习惯。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="1783252146" _msthash="253" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">卡巴耶鲁从不浪费金钱的一件事就是经常外出用餐。 他说，虽然这是他现在负担得起的事，但是花高价换来一些他可在家花小钱就能做出来的东西，让他还是无法接受，他更喜爱在家烹饪所带来的简单与节约。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="18097170" _msthash="254" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">7. 高级服装</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="1285401767" _msthash="255" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">这是卡巴耶鲁不挥霍的另一件事。 他说，虽然昂贵品牌的最新时装颇具诱惑，但他选择质量与功能性，而非名牌; 爱惜金钱、不被品牌诱惑所动摇的教诲，很早就深植他心中。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><h2 class="content_title_1" _msttexthash="32484582" _msthash="256" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; font-weight: 400; color: rgb(0, 110, 181); line-height: 1.5;"><font face="宋体" size="4">8. 电视与流媒体服务</font></h2><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="1204948719" _msthash="257" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">最后，卡巴耶鲁表示他在支付电视费用上也很节俭。 他说，在一切信息与娱乐都可以在网络上大量取得的时代，为有线电视或卫星电视支付高昂费用，对他来说并不合理。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p _msttexthash="2659015268" _msthash="258" style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font face="宋体" size="4">如果有特别想看的电视节目，卡巴耶鲁会与朋友或家人共享账号。 他表示，在匮乏的环境下成长，让他了解金钱的价值，以及区分「需要」与「想要」的重要; 这些对他的消费观仍有很大影响，帮他做出明智的决定，在享受成就与维持谨慎的生活方式间取得平衡。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><div class="video-container" style="box-sizing: border-box; position: relative; padding-bottom: 326.25px; padding-top: 30px; height: 0px; overflow: hidden; margin-bottom: 20px; color: rgb(0, 0, 0);"><iframe width="640" height="360" 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color="#444444"><font color="#444444"><font face="宋体"><font size="4"><font style=""><font face="宋体"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#000"><font face="宋体"><font size="4"><font color="#444444"><font style=""><div align="center"><font color="#444444">:hug:<font color="#ac39ff"><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><a href="https://bbs.nyinfor.com/plugin.php?id=fn_job&formapp=&footernav=true&idu=1" target="_blank">招聘求职</a></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></font></font> :hug:<font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font 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