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【听力文本】
Learning how you spend your money can keep you from wasting it. Stop throwing money out the window with these smart moves.
You Will Need
Retirement account
Savings account
Cash
Willpower
Library card
Step 1: Take employer matching（利用退休基金）
Take advantage of retirement funds your employer matches.
Step 2: Save money（将钱存入银行，获取利息）
Save your money in accounts that pay high interest.
Call your bank to see what high interest accounts are available.
Step 3: Buy appropriate amounts（买自己需要的物品）
Buy in bulk only if you consume in bulk. You are not saving money if what you buy in bulk eventually gets thrown away.
Step 4: Pay in cash（用现金支付）
Pay in cash. You are wasting money when you spend time cutting coupons only to pay interest when you pay for your purchases with a credit card.
Step 5: Resist impulse purchases（避免冲动购物）
Stop making impulse purchases. Ask yourself if you really need the item and if you can afford it. If you don’t really need it, use your willpower and avoid the unnecessary expense.
Do not buy items that you will not use just because they are on sale.
Step 6: Buy generic（买一个品牌的东西）
Buy generic brand items, such as prescriptions and groceries, instead of name brands.
Step 7: Cancel gym membership（不要把钱浪费在健身房上）
Cancel your gym membership if you are not using it, and walk or bike to get around.
Step 8: Quit smoking（戒烟）
Quit smoking. Both your wallet and body will thank you.
Step 9: Get best insurance rates（保证获得最高的保险费率）
Make sure you are getting the best insurance rates by calling your current carrier’s competition.
Step 10: Visit your library（从图书馆借书）
Visit your local library to rent music, books, and movies for free or for a minimal fee.
As of 2006, the federal government spent between $15 and $25 billion annually maintaining unused or vacant agency buildings.
