While it’s easy to see the value of cutting back on that coffee for a month, think about how those savings can grow over a lifetime. The money you save and invest each month could end up growing into tens of thousands of dollars. Over time, it may reach hundreds of thousands in an investment account. The key is to carefully track all of your expenses throughout the month. Big expenses such as rent, car payments, and utilities are obvious.
虽然一个月不买咖啡的省钱效果很容易看出来，但想一想这些存下来的钱在一生中能成长多少。你每个月省下并投资的金额，最后可能会累积成数万元。随著时间推移，在投资帐户中甚至可能达到数十万。关键在于要仔细记录你一个月的所有开销。像房租、车贷、水电瓦斯费这些大笔支出是显而易见的。
生活必备字词：
cut back on... 削减∕缩减……
savings n. 存款（恒为复数）
account n. 户头，帐户
track vt. 记录；追踪
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本文节录自《常春藤生活英语》杂志，完整内容请见十二月号。
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