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【听力文本】
People who manage to sock away money – even on a tight budget – all live by this motto: Make it over, use it up, make do, or do without. Now you can learn from their secrets!
You Will Need
Motto
Due diligence
Quality merchandise
Price monitoring
Self-sufficiency
Priorities
Promotion codes (optional)
Coupons (optional)
Free shipping (optional)
Store policies (optional)
Step 1: Do your homework（在购买东西之前，先做好功课，对比价格）
Do your homework before buying anything, especially big-ticket items. With the internet, comparison shopping is easier than ever.
Once you’ve made a buying decision, search online for “promotion codes,” “coupons,” and “free shipping.”
Step 2: Invest in quality（买质量好的）
Buy quality merchandise. It’s cheaper in the long run because it won’t need to be fixed as often or replaced as soon.
Step 3: Check every receipt（审查每一笔账单，不要多付）
Check every store receipt and restaurant bill to make sure you’ve been charged correctly. If you put a meal on a credit or debit card, keep the restaurant receipt to compare with your credit card or bank statement; some restaurants engage in so-called “tip-jacking,” – adding in a tip or increasing the one you gave them.
Know the store policy on price accuracy; some give away an item if it’s scanned higher than the advertised cost.
Step 4: Ask yourself this question（在买东西之前，给自己2天时间缓冲）
When buying a non-necessity, like clothing, ask yourself if you really, really love it. If not, put it back. Even if you do love it, wait a few days before buying it; by then, the urge may have completely passed.
Step 5: Become a do-it-yourselfer（自己动手）
Become a devotee of do-it-yourself. Learn how to make simple home repairs, do basic sewing, and cook meals from scratch.
Step 6: Establish priorities（分清主次）
Set priorities, such as home ownership or early retirement. Saving up is easier if you have savings goals.
Researchers have discovered that thrifty people and spendthrifts tend to marry each other.
