{"id":198,"date":"2025-07-29T22:47:00","date_gmt":"2025-07-29T22:47:00","guid":{"rendered":"https:\/\/techsmoney.com\/?p=198"},"modified":"2025-07-28T14:48:43","modified_gmt":"2025-07-28T14:48:43","slug":"10-simple-tips-to-start-saving-money","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/zh\/10-simple-tips-to-start-saving-money\/","title":{"rendered":"\u958b\u59cb\u7701\u9322\u768410\u500b\u7c21\u55ae\u6280\u5de7"},"content":{"rendered":"<p>\u7701\u9322\u4e26\u975e\u8907\u96dc\u6216\u75db\u82e6\u3002\u7121\u8ad6\u60a8\u662f\u6708\u5149\u65cf\uff0c\u9084\u662f\u53ea\u60f3\u990a\u6210\u66f4\u597d\u7684\u7fd2\u6163\uff0c\u4eca\u5929\u505a\u51fa\u7684\u4e00\u4e9b\u5c0f\u6539\u8b8a\uff0c\u6700\u7d42\u90fd\u6703\u5e36\u4f86\u5de8\u5927\u7684\u56de\u5831\u3002\u95dc\u9375\u5728\u65bc\u5805\u6301\u4e0d\u61c8\u3001\u6709\u610f\u8b58\u5730\u63a7\u5236\u652f\u51fa\u3002\u4ee5\u4e0b10\u500b\u7c21\u55ae\u7684\u5c0f\u8cbc\u58eb\uff0c\u5373\u4f7f\u60a8\u662f\u5b8c\u5168\u7684\u65b0\u624b\uff0c\u4e5f\u80fd\u5e6b\u52a9\u60a8\u958b\u59cb\u7701\u9322\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u8ffd\u8e64\u4f60\u82b1\u7684\u6bcf\u4e00\u7f8e\u5143<\/h2>\n\n\n\n<p>\u4eba\u5011\u5132\u84c4\u56f0\u96e3\u7684\u6700\u5927\u539f\u56e0\u4e4b\u4e00\u662f\u4ed6\u5011\u4e0d\u77e5\u9053\u9322\u82b1\u5728\u54ea\u88e1\u4e86\u3002\u900f\u904e\u8ffd\u8e64\u4f60\u7684\u652f\u51fa\uff0c\u4f60\u6703\u66f4\u6e05\u695a\u5730\u4e86\u89e3\u81ea\u5df1\u7684\u6d88\u8cbb\u7fd2\u6163\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u4f55\u505a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528 Mint\u3001Goodbudget \u6216 EveryDollar \u7b49\u9810\u7b97\u61c9\u7528\u7a0b\u5f0f<\/li>\n\n\n\n<li>\u4fdd\u7559\u624b\u52d5\u652f\u51fa\u65e5\u8a18\u5e33\u6216\u96fb\u5b50\u8868\u683c<\/li>\n\n\n\n<li>\u6bcf\u9031\u6aa2\u67e5\u60a8\u7684\u9280\u884c\u548c\u4fe1\u7528\u5361\u5c0d\u5e33\u55ae<\/li>\n<\/ul>\n\n\n\n<p>\u4e00\u65e6\u4f60\u77e5\u9053\u4e86\u9322\u82b1\u5728\u4e86\u54ea\u88e1\uff0c\u4f60\u5c31\u53ef\u4ee5\u78ba\u5b9a\u9700\u8981\u524a\u6e1b\u958b\u652f\u7684\u5730\u65b9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u8a2d\u5b9a\u6e05\u6670\u3001\u5be6\u969b\u7684\u5132\u84c4\u76ee\u6a19<\/h2>\n\n\n\n<p>\u50cf\u662f\u300c\u6211\u60f3\u5b58\u66f4\u591a\u9322\u300d\u9019\u7a2e\u6a21\u7cca\u7684\u76ee\u6a19\u5f88\u5c11\u594f\u6548\u3002\u76f8\u53cd\uff0c\u8981\u8a2d\u5b9a\u5177\u9ad4\u3001\u53ef\u8861\u91cf\u4e14\u6709\u6642\u9593\u9650\u5236\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u826f\u597d\u5132\u84c4\u76ee\u6a19\u7684\u4f8b\u5b50<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>6\u500b\u6708\u5167\u5b58$1,000\u4f5c\u70ba\u61c9\u6025\u57fa\u91d1<\/li>\n\n\n\n<li>\u6bcf\u6708\u5b58\u4e0b $100 \u5ea6\u5047<\/li>\n\n\n\n<li>\u7559\u51fa $50\/\u5de5\u8cc7\u4f5c\u70ba\u7bc0\u65e5\u79ae\u7269<\/li>\n<\/ul>\n\n\n\n<p>\u660e\u78ba\u7684\u76ee\u6a19\u53ef\u4ee5\u5e6b\u52a9\u4f60\u4fdd\u6301\u5c08\u6ce8\u548c\u7a4d\u6975\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u81ea\u52d5\u5132\u84c4<\/h2>\n\n\n\n<p>\u6700\u7c21\u55ae\u7684\u4fdd\u5b58\u65b9\u5f0f\u662f <strong>\u8a2d\u5b9a\u5f8c\u5c31\u5fd8\u8a18\u5b83<\/strong>\u3002\u81ea\u52d5\u5316\u6d88\u9664\u4e86\u82b1\u6389\u7a4d\u84c4\u7684\u8a98\u60d1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u4f55\u5be6\u73fe\u81ea\u52d5\u5316<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8a2d\u5b9a\u767c\u85aa\u65e5\u5f9e\u652f\u7968\u5e33\u6236\u81ea\u52d5\u8f49\u5e33\u81f3\u5132\u84c4\u5e33\u6236<\/li>\n\n\n\n<li>\u4f7f\u7528\u96c7\u4e3b\u76f4\u63a5\u5b58\u6b3e\u5c07\u90e8\u5206\u85aa\u8cc7\u76f4\u63a5\u5b58\u5165\u5132\u84c4\u5e33\u6236<\/li>\n\n\n\n<li>\u4f7f\u7528 Chime \u6216 Digit \u7b49\u61c9\u7528\u7a0b\u5f0f\u4f86\u532f\u7e3d\u8cfc\u8cb7\u91d1\u984d\u4e26\u7bc0\u7701\u5dee\u984d<\/li>\n<\/ul>\n\n\n\n<p>\u628a\u4f60\u7684\u5132\u84c4\u7576\u4f5c\u4e00\u5f35\u4e0d\u53ef\u8f49\u8b93\u7684\u5e33\u55ae\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4.\u6e1b\u5c11\u4e0d\u5fc5\u8981\u7684\u8a02\u95b1<\/h2>\n\n\n\n<p>\u4e32\u6d41\u670d\u52d9\u3001\u61c9\u7528\u7a0b\u5f0f\u3001\u5065\u8eab\u623f\u6703\u54e1\u548c\u5305\u6708\u5957\u9910\u53ef\u80fd\u6703\u6084\u6084\u5730\u5f71\u97ff\u4f60\u7684\u652f\u51fa\u3002\u6aa2\u67e5\u4f60\u7684\u5b9a\u671f\u4ed8\u8cbb\u9805\u76ee\uff0c\u4e26\u53d6\u6d88\u90a3\u4e9b\u4f60\u4e0d\u5e38\u7528\u7684\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8981\u554f\u7684\u554f\u984c<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6211\u5728\u904e\u53bb 30 \u5929\u5167\u4f7f\u7528\u904e\u9019\u500b\u55ce\uff1f<\/li>\n\n\n\n<li>\u6211\u73fe\u5728\u53ef\u4ee5\u4e0d\u7528\u9019\u9805\u670d\u52d9\u55ce\uff1f<\/li>\n\n\n\n<li>\u6709\u6c92\u6709\u514d\u8cbb\u6216\u66f4\u4fbf\u5b9c\u7684\u66ff\u4ee3\u54c1\uff1f<\/li>\n<\/ul>\n\n\n\n<p>\u5373\u4f7f\u6bcf\u6708\u4fee\u526a $10\u2013$50\uff0c\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\u4e5f\u6703\u7d2f\u7a4d\u8d77\u4f86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u7d93\u5e38\u5728\u5bb6\u505a\u98ef<\/h2>\n\n\n\n<p>\u5916\u51fa\u7528\u9910\u662f\u6700\u5e38\u898b\u7684\u82b1\u9322\u65b9\u5f0f\u4e4b\u4e00\u3002\u5728\u5bb6\u505a\u98ef\u66f4\u5065\u5eb7\uff0c\u4e5f\u66f4\u4fbf\u5b9c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5165\u9580\u63d0\u793a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6bcf\u9031\u4e00\u6b21\u7684\u98f2\u98df\u8a08\u5283<\/li>\n\n\n\n<li>\u6279\u91cf\u6e96\u5099\u98df\u6750<\/li>\n\n\n\n<li>\u505a\u96d9\u4efd\uff0c\u4e26\u51b7\u51cd\u591a\u9918\u7684<\/li>\n\n\n\n<li>\u4f7f\u7528\u5305\u542b 5-6 \u7a2e\u98df\u6750\u7684\u7c21\u55ae\u98df\u8b5c<\/li>\n<\/ul>\n\n\n\n<p>\u5617\u8a66\u6bcf\u9031\u53ea\u5916\u51fa\u7528\u9910\u4e00\u6b21\uff0c\u5c07\u5176\u4f5c\u70ba\u4e00\u7a2e\u4eab\u53d7\uff0c\u800c\u4e0d\u662f\u4e00\u7a2e\u7fd2\u6163\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6.\u907f\u514d\u885d\u52d5\u8cfc\u7269<\/h2>\n\n\n\n<p>\u885d\u52d5\u6d88\u8cbb\u662f\u6307\u672a\u7d93\u6df1\u601d\u719f\u616e\u5c31\u7576\u5834\u8cfc\u8cb7\u67d0\u7269\u3002\u5b83\u5e38\u5e38\u6703\u5c0e\u81f4\u5f8c\u6094\u548c\u91d1\u9322\u6d6a\u8cbb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6291\u5236\u885d\u52d5\u7684\u7b56\u7565<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528 <strong>24\u5c0f\u6642\u898f\u5247<\/strong>\uff1a\u8cfc\u8cb7\u975e\u5fc5\u9700\u54c1\u524d\u8acb\u7b49\u5f85\u4e00\u5929<\/li>\n\n\n\n<li>\u5e36\u8457\u6e05\u55ae\u8cfc\u7269\u4e26\u5805\u6301\u57f7\u884c<\/li>\n\n\n\n<li>\u7121\u804a\u6642\u907f\u514d\u700f\u89bd\u7db2\u4e0a\u5546\u5e97<\/li>\n\n\n\n<li>\u554f\uff1a\u201c\u6211\u9700\u8981\u9019\u500b\u55ce\uff1f\u9084\u662f\u6211\u53ea\u662f\u60f3\u8981\u5b83\uff1f\u201d<\/li>\n<\/ul>\n\n\n\n<p>\u6709\u610f\u8b58\u5730\u6d88\u8cbb\u53ef\u4ee5\u4fdd\u8b77\u60a8\u7684\u5132\u84c4\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7.\u5229\u7528\u6298\u6263\u548c\u512a\u60e0\u5238\u66f4\u660e\u667a\u5730\u8cfc\u7269<\/h2>\n\n\n\n<p>\u4eab\u53d7\u6298\u6263\u6c92\u4ec0\u9ebc\u4e0d\u597d\u610f\u601d\u2014\u2014\u9019\u5f88\u660e\u667a\uff01\u7121\u8ad6\u4f60\u662f\u5728\u7db2\u4e0a\u8cfc\u7269\u9084\u662f\u5728\u5be6\u9ad4\u5e97\u8cfc\u7269\uff0c\u90fd\u8981\u7559\u610f\u512a\u60e0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u54ea\u88e1\u53ef\u4ee5\u7701\u9322<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528 Honey \u6216 Rakuten \u7b49\u700f\u89bd\u5668\u64f4\u5145\u529f\u80fd<\/li>\n\n\n\n<li>\u8a02\u95b1\u5546\u5e97\u65b0\u805e\u901a\u8a0a\u4ee5\u7372\u53d6\u7368\u5bb6\u512a\u60e0<\/li>\n\n\n\n<li>\u4f7f\u7528 Ibotta \u7b49\u8fd4\u73fe\u61c9\u7528\u7a0b\u5f0f\u758a\u52a0\u512a\u60e0\u5238<\/li>\n\n\n\n<li>\u6aa2\u67e5\u6e05\u5009\u8ca8\u67b6\u548c\u4e8c\u624b\u5546\u5e97<\/li>\n<\/ul>\n\n\n\n<p>\u7bc0\u7701\u7684\u6bcf\u4e00\u9ede\u9322\u90fd\u662f\u8cfa\u4f86\u7684\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. \u767c\u8d77\u300c\u96f6\u6d88\u8cbb\u300d\u6311\u6230<\/h2>\n\n\n\n<p>\u96f6\u6d88\u8cbb\u6311\u6230\u610f\u5473\u8457\u627f\u8afe\u5728\u4e00\u5468\u6216\u4e00\u500b\u6708\u7684\u6642\u9593\u5167\u4e0d\u8cfc\u8cb7\u5fc5\u9700\u54c1\u4ee5\u5916\u7684\u4efb\u4f55\u6771\u897f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u597d\u8655<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u63d0\u9ad8\u5c0d\u76f2\u76ee\u6d88\u8cbb\u7684\u8a8d\u8b58<\/li>\n\n\n\n<li>\u5e6b\u52a9\u4f60\u91cd\u7f6e\u8ca1\u52d9<\/li>\n\n\n\n<li>\u9f13\u52f5\u5229\u7528\u73fe\u6709\u8cc7\u6e90\u767c\u63ee\u5275\u9020\u529b<\/li>\n<\/ul>\n\n\n\n<p>\u8ffd\u8e64\u60a8\u539f\u672c\u8981\u82b1\u7684\u9322\u4e26\u5c07\u8a72\u91d1\u984d\u8f49\u5165\u5132\u84c4\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">9. \u4f7f\u7528\u73fe\u91d1\u652f\u4ed8\u67d0\u4e9b\u8cbb\u7528<\/h2>\n\n\n\n<p>\u8cfc\u8cb7\u98df\u54c1\u96dc\u8ca8\u3001\u5916\u98df\u6216\u5a1b\u6a02\u6642\u4f7f\u7528\u73fe\u91d1\uff0c\u6709\u52a9\u65bc\u63a7\u88fd\u904e\u5ea6\u6d88\u8cbb\u3002\u9019\u80fd\u5f62\u6210\u4e00\u7a2e\u5fc3\u7406\u5c4f\u969c\uff0c\u8b93\u4f60\u773c\u775c\u775c\u5730\u770b\u8457\u9322\u5f9e\u4f60\u624b\u4e2d\u6e9c\u8d70\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5617\u8a66\u4fe1\u5c01\u7cfb\u7d71<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u70ba\u6bcf\u500b\u6d88\u8cbb\u985e\u5225\u63d0\u53d6\u4e00\u5b9a\u91d1\u984d<\/li>\n\n\n\n<li>\u5c07\u5176\u653e\u5165\u8cbc\u6709\u6a19\u7c64\u7684\u4fe1\u5c01\u4e2d<\/li>\n\n\n\n<li>\u7576\u73fe\u91d1\u7528\u5b8c\u6642\uff0c\u8a72\u985e\u5225\u7684\u652f\u51fa\u5c31\u7d50\u675f\u4e86<\/li>\n<\/ul>\n\n\n\n<p>\u9019\u7a2e\u8001\u65b9\u6cd5\u81f3\u4eca\u4ecd\u767c\u63ee\u5947\u6548\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10. \u6176\u795d\u91cc\u7a0b\u7891\u4e26\u4fdd\u6301\u4e00\u81f4<\/h2>\n\n\n\n<p>\u7701\u9322\u61c9\u8a72\u662f\u4e00\u7a2e\u6b63\u9762\u7684\u9ad4\u9a57\u3002\u9054\u6210\u76ee\u6a19\u6642\u6176\u795d\u4e00\u4e0b\uff0c\u9019\u80fd\u8b93\u4f60\u4fdd\u6301\u52d5\u529b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7121\u9700\u904e\u5ea6\u6d88\u8cbb\u7684\u6176\u795d\u65b9\u5f0f<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u5bb6\u770b\u4f60\u6700\u559c\u6b61\u7684\u96fb\u5f71<\/li>\n\n\n\n<li>\u53bb\u516c\u5712\u6216\u535a\u7269\u9928\u4e00\u65e5\u904a<\/li>\n\n\n\n<li>\u7d66\u81ea\u5df1\u4e00\u4e9b\u96d6\u5c0f\u4f46\u6709\u610f\u7fa9\u7684\u6771\u897f<\/li>\n<\/ul>\n\n\n\n<p>\u95dc\u9375\u5728\u65bc\u4fdd\u6301\u6301\u4e4b\u4ee5\u6046\u3002\u5373\u4f7f\u6bcf\u9031\u53ea\u5b58$5\u4e5f\u6bd4\u4ec0\u9ebc\u90fd\u4e0d\u5b58\u597d\uff0c\u56e0\u70ba\u9019\u662f\u671d\u8457\u6b63\u78ba\u65b9\u5411\u9081\u51fa\u7684\u4e00\u6b65\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u589e\u5f37\u4f60\u7684\u5132\u84c4\u80fd\u529b<\/h2>\n\n\n\n<p>\u7701\u9322\u4e26\u975e\u72a7\u7272\uff0c\u800c\u662f\u9078\u64c7\u3002\u7576\u4f60\u7528\u5fc3\u7406\u8ca1\u6642\uff0c\u4f60\u6703\u7372\u5f97\u81ea\u7531\u3001\u5167\u5fc3\u7684\u5e73\u975c\uff0c\u4ee5\u53ca\u5be6\u73fe\u76ee\u6a19\u7684\u80fd\u529b\u3002<\/p>\n\n\n\n<p>\u8a18\u4f4f\uff0c\u5c0f\u7fd2\u6163\u6210\u5c31\u5927\u4e8b\u3002\u5f9e\u9019\u4e9b\u5efa\u8b70\u4e2d\u6311\u9078\u5e7e\u500b\uff0c\u4eca\u5929\u5c31\u958b\u59cb\u884c\u52d5\u3002\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u4f60\u7684\u81ea\u5f8b\u6027\u6703\u589e\u5f37\uff0c\u4f60\u7684\u5132\u84c4\u4e5f\u6703\u96a8\u4e4b\u6210\u9577\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u7701\u9322\u4e26\u975e\u8907\u96dc\u6216\u75db\u82e6\u3002\u7121\u8ad6\u60a8\u662f\u6708\u5149\u65cf\uff0c\u9084\u662f\u53ea\u60f3\u990a\u6210\u66f4\u597d\u7684\u7fd2\u6163\uff0c\u4eca\u5929\u505a\u51fa\u7684\u4e00\u4e9b\u5c0f\u6539\u8b8a\uff0c\u5f9e\u9577\u9060\u4f86\u770b\u5c07\u5e36\u4f86\u5de8\u5927\u7684\u6210\u679c\u3002\u95dc\u9375\u5728\u65bc\u5805\u6301\u4e0d\u61c8\u3001\u6709\u610f\u8b58\u5730\u63a7\u5236\u652f\u51fa\u3002\u4ee5\u4e0b\u662f10\u500b\u2026 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