第1637期:How to be a better saver

We often try to save money for a variety of different reasons. It might be to save up for a new computer, put money aside into a rainy-day fund or put a deposit down for a mortgage on a house. Learning how to save is important, but a recent study showed that over half of all 22 – 29-year-olds living in the UK have no savings at all. Did they splurge and splash out on too many things, or are there other factors? And how can we become better savers?

我们经常出于各种不同的原因试图省钱。可能是为买一台新电脑存钱，把钱存入一个未雨绸缪的基金，或者为房屋抵押而存钱。学习如何储蓄很重要，但最近的一项研究表明，居住在英国的所有 22 至 29 岁的人中有一半以上根本没有储蓄。他们是否在太多东西上挥霍和挥霍，还是有其他因素？我们怎样才能成为更好的储蓄者？

Many young people in the UK choose to live away from home, and the cost of renting can impact the amount we can tuck away in our savings. On top of that, according to a 2017 study, there is a huge pay gap in people in their twenties in the UK, with the top 10% earning 4.3 times per week as the lowest earners. Possibly the mentality of ‘saving more when I earn more’ has crept in. However, there were some positives, with the number of people in debt, not including student loans for university, having fallen from 49% 10 years ago to 37%.

英国的许多年轻人选择离家生活，而租房成本会影响我们可以存入储蓄的金额。最重要的是，根据 2017 年的一项研究，英国 20 多岁的人存在巨大的薪酬差距，前 10% 的人每周收入是最低收入者的 4.3 倍。可能是“赚得多了就多存点”的心态已经开始。然而，也有一些积极的方面，负债人数（不包括大学学生贷款）从 10 年前的 49% 下降到 37%。

So, how can we improve our ability to save? First off, put a stop to those impulse buys. Ask yourself if you really need to buy something, even if it is on sale or looks like a bargain. One way you could control your spending urges is by using cash rather than card. Withdrawing cash before you go to a restaurant or shopping sets a fixed budget you must adhere to. Also, any change that comes from your transactions when you’re using cash can be put in jar and deposited into your account. Finally, setting up a standing order from your current account into your savings just after you receive your salary will ensure you have some money set aside for a time that you might need it. Just after getting paid is a good idea for this as it means you save before you’ve had the chance to spend.

那么，我们怎样才能提高我们的储蓄能力呢？首先，停止那些冲动购买。问问自己是否真的需要买东西，即使它正在打折或看起来很便宜。控制消费冲动的一种方法是使用现金而不是信用卡。在去餐馆或购物之前提取现金是您必须遵守的固定预算。此外，当您使用现金时，您的交易产生的任何变化都可以放入罐中并存入您的帐户。最后，在您收到薪水后立即从您的活期账户中将长期订单存入您的储蓄，这将确保您有一些钱留作您可能需要的时间。获得报酬之后是一个好主意，因为这意味着您在有机会消费之前就进行了储蓄。

While there is some good news about debt for the twenty-somethings in the UK, the fact that over half have no savings is seen as a cause for concern. While it could be due to some economic disparity, there may be some other factors at play. However, there are some actions we can take to help us all become better savers.

虽然有一些关于英国 20 多岁的债务的好消息，但超过一半的人没有储蓄这一事实被视为令人担忧的原因。虽然这可能是由于一些经济差异造成的，但可能还有其他一些因素在起作用。然而，我们可以采取一些行动来帮助我们成为更好的储蓄者。

词汇表

save up 存钱，储蓄
rainy-day fund 应急备用金
mortgage 按揭贷款
splurge 挥霍
splash out 随意花钱
tuck away 攒起来
savings 存款，储蓄金
pay gap 收入差距
creep in 悄悄出现
in debt 负债
impulse 一时冲动
on sale 打折
bargain 便宜货，减价品
urge 冲动
cash 现金
budget 预算
change （找换的）零钱
transaction 交易
deposit 存入，存款
standing order 定期付款指令，预转存订单
ensure 确保
disparity 差异