Out early in the morning sun shining, the light is adequate, the wind is great.
Is December 4, 2008 in Beijing. Beijing, like most parts of China and ushered in the cold this winter day, from 3 pm onwards, 8-10 degrees temperature around the country, followed by strong winds and heavy snow fell. the feeling of coming winter.
this morning, the State Department announced an additional hundreds of billions of loans from policy banks. The Most foreign companies have already identified the new year without pay and mandatory employee plan annual leave, and some have developed the ledger in the hands of the .22 million college graduates this year to catch a crowded Beijing University graduate applicants than the 5.2% more than last year, did not apply to students walk between the various job fairs, suffering from cold.
this time, tall, big body weight, body curve is not prominent, less fat women blessed the. Pettijohn and Jungeberg of Americans since 1960 to 2000 is more like the size is conducive to growth, that is petite, weight, moving curve.
to spend the winter mm
Wal-Mart when a promotion Thanksgiving, thousands of people lined up all night in the morning when the door too crowded, the stampede killed a security guard and several others wounded; Spain huh the hung out a discount brand promotion, many salespersons to say a few words in Chinese, so that the money received from China sister.
mm
to spend the winter stars have already run the United States of foreign workers to do in Dubai , and even Madonna, Aguilera, Meg Ryan went to the United Arab Emirates moonlighting, a solution of their own for a long time had not won a 200 million U.S. dollars reward blues performances; Zhou Xun's tailor is to modify an evening dress and racking consider, remove the shoulder pads or fold increase in both models to also wear one another; can not go out.
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to spend the winter in Hangzhou, a white-collar workers made a painful decision mm friend sent her a new Burberry bag, After many days of struggle, especially in the stock market saw unprecedented twenty-five Iceland fold after a big promotion, decided to transfer this package to others. The reason is: One bite of a stomping, buy the Audi A4. If I have to Burberry bag away to take the same configuration, in the context of the economic crisis, the financial expansion of any action, is it tantamount to committing suicide? easily into the extravagant, from extravagance into simple difficult, way of life, always in the details. Now in the U.S., turn on the TV, look at magazines, always see a stupid so-called economic experts to teach the Dharma to save money. One called Suze Orman's financial advisor in the financial crisis Rounds, often curse-opportunity, suggest that you do not send text messages, or use home-made candles for Christmas not so high-end toilet tissue and so on.
financial crisis, everyone. now our turn to be frugal. By the way to say that money is not simply clutching his wallet at no cost, but to spend money more efficiently, with the least money to meet our greatest desire.
total of 36 winter travel articles
none price tickets
love to travel for many people, when their flat in the wallet to reduce travel times change, it is better to spend less money learn to play. For example, search for zero fare.
cheap airline AirAsia (AirAsia ) introduced in a certain time every year buying zero-fare activities, in August 2008 on the launch of over 3000.
up to become a member after you can buy, but this process requires patience, hard-line more than the number of tickets a successful , had a brush member attached to the record of the evening to buy a ticket, which is the so-called have, such as July 1 is not, but there July 2, need to keep trying. salaried you will need to arrange a family holiday, if the round-trip air tickets have been booking good, but can not go or be postponed temporarily, and that a flight can only be set aside and re-bought.
Moreover, only zero-fare ticket face value is zero, in addition, fuel taxes and airport fees are not to zero. a zero from Macau to Kuala Lumpur flights currently require the fuel tax of RMB 300-400. In addition to AirAsia, many foreign airlines have also zero fare tickets, which shares the wind also blew the country last year. Spring Airlines launched the first zero collected from Wuhan to Shanghai flight. But requirement is more than 45 years of age, take their children to buy a residence permit in Shanghai.
contrast, China Southern Airlines recently launched the Site . Beijing to Guangzhou, Shenzhen, Haikou, Shanghai and so are, as long as the eye fast chips that, and within 20 minutes after scheduled by TenPay payment, will be able to book cheap air tickets. now our fuel tax of 150 yuan, the airport construction costs of 50 million. All told, a ticket to Shenzhen 130 +150 +50 = 330 yuan cheaper than the train.
the low season to go traveling
special fares in addition to any collection of information, Tourism also select the Sanya Yalong Bay New Year's Day and Spring Festival, the hotel is not only no discount, but also extra money, airline tickets and few discounts. Despite the pleasant temperatures, but many people may not be able to understand the real noisy atmosphere of the Gulf. Of course the most money in the summer season, It can not bear the sun at noon, you can also after the election in November or early December in November, tickets and hotel discounts greater efforts.
and so on, ask for more local people, not necessarily the best season in time can also enjoy the views, such as Jiuzhaigou after the winter snow.
in the car to save money above all difficult to accept that Henry Ford's luxury car now mm voice sound system, leather seats, rear view camera hh, Each continued to spend money on luxury items are the reason. According to statistics, if an American family spent 30 years new cars every month on the $ 400 deposit into a good fund, then when they retire, they can easily become a million rich. So we must first do what car to buy cars for their income level.
can also consider the development of vehicles for other purposes, such as part-time on behalf of the drive at night, anyway time of economic crisis, everyone had to consider In addition to their own work, what the money can open up the path. In addition, each trip has reached the maximum number of passengers is required; if family is not enough to stick in the wide community of paid carpool notice things that generate income.
course , there are many fuel-efficient family car Dafa, such as the use of the principle of thermal expansion and contraction of gasoline, only in the morning and evening to the vehicle refueling; oil table there is a fuel cell for a time only added to the tank 2 / 3; choose self refueling, each times can save 3 cents. but also learn online at their city's
as a luxury shopping articles to build a the establishment of a impulsive shopping needs.
mention the fact that the pinch, not just a luxury goods manufacturer, as well as selling brand-name A goods vendors. wait for the genuine brand name discount and special activities to achieve your expectations and then shot when, not too late.
boldly accept the fact, cottage products, cottage products
did not sound so terrible on TV, the most hated person in addition to cottage phone Motorola, Nokia's designers, it should be is a car, bus thief. cottage is a brand of the price of one-third, or even one-tenth, there are a variety of incredible performance, it is the replacement of mobile phones a good choice for such consumables.
, however, No matter, no matter how fearless heroism, is not going to buy milk and all the cottage cottage version of the food, you know, the brand goods are not insured.
addition to vegetables, only buy the discounted products
required to maintain the natural can not store fresh produce with, such as vegetables. but most of the food and household items are not daily disposable, so according to the urgency and the need to preserve and increase the items of the discount on purchases.
the most basic, of course, remember that these products fixed price, to prevent unscrupulous businessmen first and then decreased, often playing shopping, if quality problems, you can also look back.
Second, from settling a product is usually long. to shampoo, for example, would be able to use 3 months, according to this cycle, look at the most cost-effective when son to buy 5 bottles, because the same discounted price may be half a year later, but generally they do not shampoo Kaifeng, shelf life of at least two years. Of course, the discount have to shop around, even in the same discount period, different stores decline will be a big difference.
Finally, look at the product shelf life, according to shelf-life has come back to buy things lined, shelf-life expired on the most recent is easy to see, depending on the forth. supermarkets also used this trick in the supermarket to buy something, remember to buy on the inside. The most important feature of this arrangement is always in the most old things, but does not have anything to be wasted. Of course, can also have the latest thing, reckon there is no shelf life issues.
waiting for sale
if there is enough patience to wait for the end of each sale activities more value. especially in a woman's clothes, bags, cosmetics, these bulk consumables.
just as the United States each year as Thanksgiving Day is rapid heartbeat, Bargains in the price is enough to spark the incident. such as Hush Puppies (hush puppies) shoes, thousands of original price every turn, 800,900 yuan , when the sale price ranging from 100 to 200. clothes, too, folded in a sale or even lower base. If you can meet the right models and code to the value back to the waiting time. not to mention this year for good, even in the past never discount the Juicy Couture and other major brands are also year-end sale, ranging from 1 to 3 fold.
But remember, all non-sale market is a basic credit card only accept cash. to go before the best good about the individual force able to squeeze in friends, because this sale will often set in the company's office, and made the city as a small wholesale stalls crowded. and blow each other to bring a partner, but also mutual supervision, they want to suppress FCL clothes, the impulse to move back home.
do of course, eat more than just, more prosperous city now popular consumer Web site, fashion forum and test off the official website for free everywhere, try to eat, try and test the opportunity to learn.
mobile phone, MP3, dinner, cosmetics, cars and television programs, you can think of new stuff, have the opportunity for free, as long as this has become afraid of mice. When the free trial of the have enough patience and time, nothing to soak in the various trial sites, the first up, play games, answer questions, post a message. to test, for example, in evaluating a new car to get at least 200 of encouragement. some ; grab grab race , not afraid of a variety of allergic reactions, but also not afraid of the information was leaked. but as long as maintaining the status quo to develop patience, skin and personal privacy losses nothing by the point. And, again-off is also a political arena, also by Try the opportunity to expand social networks. do century was filled with a variety of coupons, and now us. in addition to those coupons to buy a house, the bathing experience of the city's free coupon or discount coupon newly opened restaurant is worth a try. because even been used to throw away Americans of all coupons are re-screened using them anymore.
addition, learn to see half the film on Tuesday; night to the business center of the underground restaurant, you can bargain for a free bottle of beverage; participate in various seminars and meetings can be obtained free of charge usually has a gift; leave all sorts of scorecards, and mall restaurants bargain.
money in books Road
If you are a educator , a winter and summer vacations, the best reading in the holidays, go to the bookstore, bookstores, cool, air-conditioning to save electricity, some do need to like the book or unusual, be sure to follow the following procedure to buy:
not to the kind of bull is still selling books at the bookstore to buy any of the original price of a book, you can go there to pick, the Italian title recorded in the small book, come back to check prices online.
Douban is a nice feature provide Dangdang and Joyo two price comparison sites, of course, to choose one that cheap.
Some sites will recommend your favorite book and similar books, combined with the purchase of much cheaper, of course, provided that You really like that the tying, or do not buy more.
one can buy few more, to save shipping costs do not say, and sometimes even gain some cheap gifts, such as super men and super-woman album If you are not a fan, do not hesitate to sell. If you want to audition, you can copy music on the hard drive first, then put disc sold goods to the edge of a farm die anyway, so pay attention not to sell second-hand. Do not for gifts and buy books they do not like.
read the book to try to write about book reviews books and magazines to vote, once selected, you can put a small box to recover the cost of the book.
number of age-old book can be considered to website to buy books, sometimes will be very cheap. all kinds of language, professional qualification examinations kind of book, try to go to college campuses, such as 4 to 5 month, the graduate students set up a stall (tax-free privileges), there can be All kinds of tests to find the counseling industry, the book, I remember bargaining with the students, not because of his wage or their brothers and sisters tell them politely.
winter total of 36 articles
careful financial management of small fines
small fines, and sometimes life to your wallet.
This requires a clear deadline for payment of various bills, as far as possible before the last day to settle the bills, so leave the tail of late fees. Do not underestimate these late fees, late payment if long enough, late fees would have to pay even more than the cost.
Basically, telephone, water, electricity, gas, cable television fees and traffic fines, whenever you can think of names, will be charged late fees. could see the late fee is used to increase sector funding for those who monopolize the industry, even if the economic downturn, people will live in these sectors is very nourishing, we have no need to give money to them and then the additional .
if you do not pay on time, and may therefore be added to the credit blacklist, and more losses than gains.
try to deposit the money received each month for regular
wages, there must be some (at least pay 1 / 3) is used to save, and to save them on a regular basis, force yourself to spend the budget. Although a large reduction from recent deposit rates, but on a regular basis will always be greater than the current deposit interest rate. According to the latest interest rate provisions, ten thousand yuan before the adjustment year fixed deposits of 360 million, adjusted to 252 yuan, 36 yuan is still significantly higher than the current annual interest rate.
better financial means in the absence of the former, why not choose installment savings, Add the medium to long term on a regular basis or monthly. deposits of income, at least partially offset the inflation caused by currency devaluation.
deposits every month, another advantage is that suppression of unnecessary spending. general , it is not easily fixed term deposits, shopping there is no way to use on a regular basis the amount of account; if card stolen, no identity, thieves and liars have no means to use the card for automatic teller machines or on-line way to transfer periodic account money.
Do not underestimate the time deposits of such interest as not to because each costs only 2 yuan to easily withdraw money from automatic teller machines the same. In addition, to minimize the number of bank card holders, in addition to annual fees, report the loss and re-submit the charges, and when the debit card balance is less than 500, there will be varying the amount of money charged by banks.
the lowest bottom line is, if the calculation of time deposits and spending plan that is too much trouble, at least should put the money in banks, rather than large sums of cash at home, though a small annual interest rate of 0.36%, at least partially offset by a variety of unreasonable bank charges.
wallet photos of a son, < br> United States a man named Trent, who are strongly opposed to impulse spending, a financial blog. He put credit cards, photographs, and a son's dream pictures of the big house together, so that each time the shopping, he have to think twice, this method has a strong reason to remind him not to spend money. He also pointed out that if the hands of money or a credit card wallet, money or a credit card than to buy things more easily, so if you want to to a potentially dangerous place for shopping, it is best to go out with only a small amount of cash.
view of his proposal, you can also get two photos and your credit cards tied together, one can state your purpose of saving money , such as your children, your retirement and so on; one is about your current debt, such as your house, car, etc., which can inhibit the consumption impulse.
just brush it with a credit card or simply freeze
even the son (daughter) of the photo, can not be completely freeze the credit card. expenses still have to be spent, then brush with a credit card only. because the points of life go hand in hand, and with a lot of cards left in the few points, but also bother to note the different banks of different credit card repayment date each month (over a period of time has expired will not interest a), not as faithful to do a bank card, a master and improve integration something affordable for points, beating the constant increase in credit limit.
course, the most natural way once and for all is to freeze all credit cards, change in cash. waiting for credit card points to its low value in exchange for gifts, you can also will earn interest on the money in the bank. Moreover, the credit card's security remains the most deadly, not every bank is like a safe bank, willing to bear all the losses within 72 hours.
to give up credit card, learn accounting, aware of their daily expenses. then those expenses may not be necessary to note red pen out and avoid the same mistakes next time. accounting Another advantage is that the couple was spending the day during an argument with facts words, prove that he is done for the family contribution.
save a little money, buy large
piggy bank has been a good way to save the change, but now less and less of the fair have the change. Even so, the change will save on hand will give you a surprise, especially prevalent in northern areas do not change. I once casually kept for three years, was carrying a pretty weighty cloth bags to the bank Exchange, the number of cashiers full two hours, in exchange for the money like the white come.
will change into a deposit account, this approach even the U.S. banks are in use. This method is similar to the classic ; envelope the money out of account. as long as you ensure that the bank account cards do not expire, you will save enough money to buy a MacBook, and is very honestly buy it, not the way credit card overdraft.
winter 36 dollars The health articles
do not get sick a lot of money can be a province, and if you can live to 80 years old, lives in the expenditure on medical expenses at least 30 million; if the intermediate risk of major diseases, this cost will rise 500 000. So, do not get sick during the economic crisis, should exercise more, but do not go to the gym to encourage money to do card, but by doing housework, walking and jogging regimen.
actually very simple, please do cleaning chores Aunt , and his hands now. work, develop the habit of drinking, do not use a large cup, into an ordinary small cup every hour to stand up and add a water. walk 20 minutes to reach the place, not help bicycle or public transit; after dinner, at least half an hour walking down the stairs, rather than keep the meat on the couch. shopping, try to hand also mentioned something, but not all on the shopping cart; climb at least once a day stairs, but not completely take the elevator. to go to the bar and change the way K songs to play chess or climbing party, standing rather than lying in the bathtub shower bath, hair-cutting, not his lack of creativity of stylists for help. Finally, I remember there was a waste to throw trash, of course, remember to not get too dirty to come back with garbage bags.
using the Internet or the library's free health information, a basic understanding of disease and response methods, can not Do not take medicine take medicine as much as possible. If a simple cold cold, boil point of ginger syrup, take a hot water bottle is like sleep; If the food plot, and clear a few hungry, Dayton does not matter. learned that can be used when in the car health practices, such as the buckle teeth, rubbing ears, do eye exercises and PC muscle exercises. Some care is done when reading the newspaper, such as cupping, scraping and hot feet.
preference have to do Swimming
the health card, the transfer is a very negative way, to their loss of property does not say that some fitness club membership will be set on the transfer of all kinds of obstacles, more reliable way is to drain the card into the way each point residual value. and in the health club, the most able to save money is to swim.
Some people prefer devices like the treadmill, but the opportunity to bring a lot of sweat running, home to many clothes to wash, while the treadmill running shoes can also cause wear and tear. the economic downturn could last three years or more, during a regular running shoe is the need of money. swimming do not need to buy shoes, but also a lot less sweaty clothes to wash, saving the family water, electricity and detergent.
winter total of 36 articles
home yourself DIY
Society, clothed, DIY (Do It Yourself, or DIY everything possible things) will become the current fashion.
in many DIY, cooking, cheapest and most easy to learn. often cook at home, and occasionally out of taste different dishes, not only can eat healthy, not to worry about health issues.
In addition, the cooking have to follow a trick, can not cook in soy fried salad, stew can not be eaten raw. less oil, salt, and hold sugar, flavoring additives as little as possible, save a little money at the same time, also eat healthy. buy a pressure cooker, porridge and soup, can save a lot of gas.
glass container with the extra home care or some green pepper or tomato pots, do the family farmer; find out all the circuit, with electronic pen, it-yourself installation repair line; converted into the water system, the vegetables pool, wash basin and bath water, drainage way to the toilet; learn to knit sweaters and embroidered, exercise your fingers, to improve the home's soft decoration. collect any tricks to save money in the hands-on, practice When the fingers, the brain's potential has also been upgrading.
own lunch if you are a morning from nine to five office workers in the restaurant trying to eat less at noon, but bring their own meals. Even several of my colleagues go out to fight food, consumption of rice is also often bring their own spending 2 to 3 times. he can cook is a very smart idea, if again save a little, try to avoid residential area close to supermarkets, from their own, choosing instead to markets. If you never know where the nearest food market, you can resort to the old lady with the community, they will be very happy to give young people, pointing the direction to save money. to trust that comes with lunch is a noble way of life (year Emperor Qianlong built patrol is food, roadside stands and others do not), not just to save money, and more to get my good camera lunch, there is a blog, if any colleagues willing to pay, ask you to give him a multi-band copies, you can save more cost.
If your agency or company to provide free or very inexpensive lunch, I did not count that out of this idea.
another style, do it again
find some clothes to wear only once or twice, Zhou Xun considered large enough, right wrist, and she also changed in order to wear a dress, get rid of a shoulder pad, plus two fold, will be able to wear this dress is not the same.
recession not specifically for the entertainment to a formal dress or a dress made of expensive, leased, or altered, the old dress, you can receive good results. his own wedding day come through the wedding to find that many paragraph of the wedding are to dress. There is order wardrobe, the clothes do not wear or sent by various means, or to donate, to also add a fitting clothes, or cut a hole into the new. some of the classic color and style of the clothes and jeans, do not throw away because of outdated, anyway, fashion will return one day, the longest is 20 years.
do Planet
to home replaced all the lights energy-saving lamps, preferably warm, warm lighting not only makes the face look better, and will not feel too bleak winter.
not have to be non-flush toilet to put a mineral water bottles, but can save electricity to save it. can not use natural ventilation when the air conditioner, you can hand wash the clothes, not washing machine; alternate use of laptop batteries and electricity, unplug all unused electrical plug.
Any thing can be recycled, are not easily lost, including the used water, one side printed paper, leftover yogurt drink bottles and used cloth mask.
things used can be divided into two types, one is no way to re-use, incorporating different categories together, when the waste products to sell; there is a re-use. usual accumulation of lifestyle tips and tricks, the waste can be very useful, such as leftover yogurt drink bottles, are anti- cockroach environmental protection facilities; used cloth mask, is the best leather care oil. do not wear clothes and unused electrical appliances, or sold, or given away, or donated, things people use, is the ultimate fate .
know some maintenance workers
if some of the appliances have been a free maintenance period, called a maintenance man in the brand as a relative luxury to do so should consider maintenance worker awareness of the brand.
during the time that an official involved in the maintenance of customer service, the workers may wish to leave to personal contacts, they are generally away from the nearest service point of your government to send, and some even in the district where you live, or across the street, these people cottage street repair shop than the more familiar to the maintenance of equipment, spare parts can get the most appropriate, the official service to take off than the lowest. so you could have asked the maintenance man boldly willing to not willing to embrace private life. Many employees and do not resist this approach.
buy a small house
said, people would laugh at her, this is a virtue.
has come and will continue in a long time among the hard times, there is no need to make life difficult with their own, when sufficient strength to buy one million of non-house, will be back very heavy burden. and do not continue to lower interest rates are now obsessed with house prices still drop it. or, whether or not to drop down when you bought a house over your ability to pay, you may find spend more money to pay for long-term loans, taxes and high maintenance costs to enrich the house. Even if the house will appreciate, as long as it is real estate, it represents money you never can.
To Do bought a house early repayment
comrades, we must take the time to be considered clear enough, at this time of crisis, whether or not to loan repayment ahead of schedule.
Although interest rates are lower, but after all, high interest rate than fixed deposits , so the loans also dropped, but also can save some money. According to the latest interest rate adjustment, five-year time deposit interest rate is 3.87, while the five-year lending rate to 6.12 above, for large loans, prepayment, or it can get a document number is not small surplus.
early repayment, but before, you must first contact the lending bank to see is not required to pay liquidated damages, if necessary, repayment will be worth the candle; In addition, by 2006, buyers who want to remember have handed over their own insurance, remember to ask the bank after the loan to go back to that part of the insurance money.
loans if the loan is more than half of the total number of years, do not advance loan because the loan period, 1 / 2 to 1 / 3 years, mainly in the still of interest; and the rest of those years, but the principal, interest is basically negligible.
decoration to buy two years ago, spent 10 million can be renovated over a 100 square meter house, including electrical appliances and furniture. Now, after soaring decoration materials, barely fitting a 50 square meters around the small house.
decoration, the money became the paper, every day from that slipping through your fingers. and so it must be planning to carry out. If people do not have to work at home, a personal choice to run a certain package materials market to clear workers (main materials, supplies, buy their own). the average family is expected to choose their own buyer, renovation team packages accessories. Although the market is sufficient material confused eyes, running more naturally familiar, and save large sums of money.
really do not know if they do not have enough time, you can choose to join the community buy the way. three rows, must be my division. a community where there is material for natural persons who choose to participate in follow up to buy is a good way to protect both the strength and quality but also save money, kill three birds, especially for big-ticket items such as buying the whole cabinet on.
Put out the cable TV cable to disable fixed telephone
series full of a lot of ugly and garbage part, is used to kill time. If you want to get news, a lot of ways, the major newspapers and magazines, radio and networks can meet the information needs. Moreover, the network can see any TV programs you want to see.
not provide the best information in addition to, and now can not meet even the cable and entertainment features. a variety of shoddy imitation or copying of TV programs, do not look worth mentioning, as the monthly cable fee investment into broadband expansion. In addition, DVD and satellite ground receiving legal system, also meet the entertainment needs.
not only cable TV is the additional cost, fixed-line telephone as part of the economic crisis has been abandoned white elephant (white elephant, that costly, the price is low, or no, but difficult to handle items.) mobile phone now has been achieved largely one-way toll . ingenious use of mobile phones or Internet telephony package to meet the basic communication ...
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