[视频文本]
Learning how you spend your money can keep you from wasting it. Stop throwing money out the window with these smart moves.
You Will NeedRetirement account
Savings account
Cash
Willpower
Library card
Step 1: Take employer matching        拥有退休金
Take advantage of retirement funds your employer matches.

Step 2: Save money                到银行存钱
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    适度消费
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             现金消费
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             拒绝冲动消费
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               拒绝品牌消费
Buy generic brand items, such as prescriptions and groceries, instead of name brands.

Step 7: Cancel gym membership     取消健身卡
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       恰当保险比例
Make sure you are getting the best insurance rates by calling your current carrier’s competition.

Step 10: Visit your library         充分利用图使馆
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.

[重点讲解]

generic

    adj. 普通的；通用的
    n.1. (产品，尤指药物 )无厂家商标的；无商标的

prescription

    n.1.药, 治疗方法
      The dispenser quickly filled the prescription for me.
      药剂师立刻照处方为我配了药。
      2.处方, 药方
      The physician made a prescription against sea-sickness for him.
      医生给他开了个治晕船的药方。

      3.开处方, 开药

willpower

     n.意志力, 克制力
     She managed to stop smoking by sheer willpower.
     她全靠意志力戒了烟。

                                                                                 听力课堂网Nancy翻译