为什么你的银行卡总是余额不足？请打开思路......
“薅羊毛，你冲不冲，冲冲冲冲。”
“对不起钱钱，我真的很需要这个。”
A netizen from Douban shared her budgeting expertise, which is to divide goods into four categories: "low price high yield", "high price high yield", "low price low yield" and "high price low yield", in order to determine whether to buy the item.
无独有偶，国外的网友们也在努力寻找着，既不降低生活品质又能省钱的好方法。比如，“骑自行车上班每周可立省200元”，“搬回家和妈妈住”，“离开纽约”等等省钱小妙招。由此可见，各国网友都在与存钱斗智斗勇。
图源：Reddit
A Cornell University study published in the journal Nature Communications pointed to factor that may be at least partially to blame: our brains. More specifically, the researchers found that our brains may be wired to look for chances to earn money — but fail to recognize chances to save, even when they are right in front of us.
It’s not like people don’t care about savings,” says Adam Anderson, an associate professor and co-director of Cornell’s Affect and Cognition Lab, who co-wrote the study. “We’re kind of blind when those opportunities are presented.”
安德森教授表示只知挣钱，而不知存钱的这种偏见并不是天生的，可以后天通过学习改变。所以我们还有希望，可以锻炼自己的大脑，让它更好地抓住存钱的时机。
It is likely "earning" bias is learned rather than innate, Dr. Anderson says. But there is hope: If the bias is learned, we should be able to retrain our brains to better spot chances to save.
那么到底应该如何科学存钱？以下几个方法或许可以为你打开存钱思路。
Create a budget
如果你知道自己一个月的花费，那么就可以开始规划每月的收支预算。收支预算应该体现支出与收入的关系，这样才可以计划支出，防止超支。
Now that you know what you spend in a month, you can begin to create a budget. Your budget should show what your expenses are relative to your income, so that you can plan your spending and limit overspending.
有些开销不是每月都产生，但会定期产生，比如汽车维修，这种也要算进开支里。在设定收支预算时，最好能开通一个“存钱罐”，然后从自己可以接受的水平开始，往“存钱罐”里存钱。你的目标应当是储蓄额比例逐渐占到收入的15%至20%。
Be sure to factor in expenses that occur regularly but not every month, such as car maintenance. Include a savings category in your budget and aim to save an amount that initially feels comfortable to you. Plan on eventually increasing your savings by up to 15 to 20 percent of your income.
Eliminate trival but needless costs
学会“节小流”，并不是因为它能解决预算问题，而是小额开支很容易被发现和利用起来。例如，不在午后喝昂贵的高级拿铁咖啡；只在促销期间购买衣服和家居用品；可以让屋子在夏天适当热点，冬天稍微冷一点。这些看似是无关紧要的节省，实际上是在积少成多。
Look first for small savings -- not because they'll end your budget problems, but simply because they're easy to find and take advantage of. For example, swear off that mid-afternoon, expensive premium latte. Shop for clothes and household furnishings only during sales. Keep your house warmer in summer and cooler in winter. Seemingly inconsequential savings do, in fact, add up.
图源：imgflip.com
Reduce larger expenses
减少“大头”的消费。这些建议肯定会让你有点痛苦。例如，如果你吸烟，最好开始采取措施戒烟。把你的豪华车或运动型多用途车换成那些加油和维修都更便宜的车。
These recommendations are decidedly more painful. If you smoke, for instance, take steps to quit. Trade in your luxury car or sport utility vehicle for something a lot cheaper to buy, fuel and maintain.
编辑：商桢
实习生：李春兰
来源：每日豆瓣 华尔街日报 CNN Bank of America
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