3. Ditch the ATM card
丢掉银行卡
We're always making impulse purchases, from a pack of gum at the supermarket checkout line to that new Van Halen-meets-bluegrass CD. How can you stop your bank account from hemorrhaging? Take a page from the old-timers and shred your ATM card. Figure out how much cash you'll need each week for your regular, cash-based purchases (things like lunch at the cafeteria and your daily cup of coffee), head on over to the bank teller's window, and get your walking-around money for the week. With a finite amount of cash, you'll start to think twice before those spur-of-the-moment spending sprees.
我们不可避免地会冲动购物，比如在超市排队结账时会买一盒口香糖，或是在唱片店买一张范·海伦乐队新出的CD。你怎么做才能守住你银行里的钱而不是铺张消费呢？跟老前辈学一学，丢掉银行卡。你要算出每个月满足正常生活需要所花的现金数目（像在自助餐厅吃的午饭，你每天要喝的咖啡），接着径直走到银行柜台，取出你这一星期所需要的零花钱。因为金额有限，在你想冲动购物时，你就会开始再三考虑了