{"id":26033,"date":"2016-12-12T10:02:30","date_gmt":"2016-12-12T15:02:30","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/"},"modified":"2025-08-09T18:25:25","modified_gmt":"2025-08-09T18:25:25","slug":"5-frugality-pros-help-rein-holiday-spending","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/","title":{"rendered":"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39"},"content":{"rendered":"<p>\u589e\u52a0\u5f00\u652f\u7684\u65f6\u671f\u5bf9\u4efb\u4f55\u4eba\u6765\u8bf4\u90fd\u53ef\u80fd\u4f1a\u5e26\u6765\u8d22\u52a1\u4e0a\u7684\u6311\u6218\uff0c\u5373\u4f7f\u4f60\u6ca1\u6709\u5b66\u751f\u8d37\u6b3e\u3002\u51ac\u5b63\u5047\u671f\u5c24\u5176\u53ef\u80fd\u4f7f\u9884\u7b97\u53d8\u5f97\u68d8\u624b\uff1a\u5982\u679c\u4f60\u5229\u7528\u5047\u671f\u65f6\u95f4\uff0c\u53ef\u80fd\u4f1a\u6709\u65c5\u884c\u8d39\u7528\uff0c\u9700\u8981\u53c2\u52a0\u5047\u65e5\u6d3e\u5bf9\uff08\u53ef\u80fd\u4f60\u9700\u8981\u4e00\u5957\u65b0\u7684\u670d\u88c5\uff0c\u6216\u8005\u4e0d\u60f3\u7a7a\u624b\u51fa\u73b0\u800c\u5e26\u4e00\u74f6\u9152\uff09\uff0c\u5f53\u7136\uff0c\u8fd8\u6709\u9001\u793c\u3002<\/p>\n<p>\u867d\u7136\u6709\u5927\u91cf\u7684\u538b\u529b\u8ba9\u4f60\u82b1\u94b1\uff0c\u4f46\u4fdd\u6301\u51b7\u9759\u5e76\u8d1f\u8d23\u4efb\u5730\u9884\u7b97\u662f\u81f3\u5173\u91cd\u8981\u7684\u3002\u4f60\u6700\u4e0d\u60f3\u505a\u7684\u4e8b\u60c5\u5c31\u662f\u5728\u52a9\u5b66\u91d1\u4ed8\u6b3e\u4e0a\u843d\u540e\uff0c\u9677\u5165\u4fe1\u7528\u5361\u503a\u52a1\uff0c\u6216\u8005\u900f\u652f\u94f6\u884c\u8d26\u6237\u3002\u5728\u65b0\u7684\u4e00\u5e74\u5f00\u59cb\u65f6\u9677\u5165\u8d22\u52a1\u56f0\u5883\u662f<em>\u4e0d<\/em>\u503c\u5f97\u7684\u3002<\/p>\n<p>\u6240\u4ee5\uff0c\u7531NerdWallet\u63d0\u4f9b\uff0c\u6211\u4eec\u4e3a\u4f60\u63d0\u4f9b\u4e86\u4e00\u4e9b\u63a7\u5236\u4f60\u7684\u5f00\u652f\uff08\u800c\u4e0d\u4f1a\u611f\u5230\u75db\u82e6\uff09\u7684\u5efa\u8bae\u3002<\/p>\n<hr style=\"border: 1px solid #fff; margin-bottom: 30px; margin-top: 20px;\" \/>\n<div style=\"margin: 16px 0 50px 30px; padding-left: 15px; border-left: 5px solid #f1ba1b; font-size: 16px;\">\n<p><b style=\"color: #f1ba1b;\"><i>MPOWER Pro-tip<\/i><\/b><\/p>\n<p>\u5728\u8282\u5047\u65e5\u548c\u91cd\u5927\u751f\u6d3b\u4e8b\u4ef6\uff08\u5a5a\u793c\uff0c\u751f\u65e5\u7b49\uff09\u671f\u95f4\uff0c\u6211\u4eec\u5f88\u5bb9\u6613\u89c9\u5f97\u5fc5\u987b\u82b1\u5f88\u591a\u94b1 &#8211; \u6211\u4eec\u90fd\u6709\u8fc7\u8fd9\u6837\u7684\u7ecf\u5386\u3002\u4e0d\u8981\u62c5\u5fc3\u5176\u4ed6\u4eba\u5bf9\u4f60\u5e26\u5230\u4efb\u4f55\u805a\u4f1a\u7684\u4e1c\u897f\u7684\u8bc4\u4ef7\u3002\u6700\u91cd\u8981\u7684\u4eba\u77e5\u9053\uff0c\u5982\u679c\u4f60\u5728\u4e0a\u5b66\u6216\u8005\u4f60\u521a\u521a\u6bd5\u4e1a\uff0c\u4f60\u6709\u5f88\u591a\u5f00\u652f\uff08\u5e76\u4e14\u6ca1\u6709\u5f88\u591a\u73b0\u91d1\u8fdb\u6765\uff09\u3002\u4ed6\u4eec\u4e0d\u4f1a\u5e0c\u671b\u4f60\u4e3a\u4e86\u633d\u56de\u9762\u5b50\u800c\u9677\u5165\u8fc7\u5ea6\u7684\u503a\u52a1\u3002\u4e00\u5c01\u7cbe\u5fc3\u624b\u5199\u7684\u4fbf\u6761\uff0c\u4e00\u6279\u81ea\u5236\u7684\u997c\u5e72\uff0c\u6216\u8005\u53ea\u662f\u4f60\u7684\u8eab\u4f53\u5b58\u5728\uff0c\u5c31\u8db3\u4ee5\u8ba9\u4ed6\u4eba\u77e5\u9053\u4ed6\u4eec\u662f\u88ab\u7231\u548c\u6b23\u8d4f\u7684\u3002<\/p>\n<\/div>\n<hr style=\"border: 0.2px solid #dadada; margin-bottom: 30px; margin-top: 20px;\" \/>\n<hr style=\"border: 1px solid #fff; margin-bottom: 20px;\" \/>\n<p>\u5047\u65e5\u671f\u95f4\u8fc7\u9ad8\u7684\u671f\u671b\u53ef\u80fd\u4f1a\u8bf1\u4f7f\u6211\u4eec\u82b1\u8d39\u8d85\u8fc7\u6211\u4eec\u6240\u80fd\u8d1f\u62c5\u7684\u3002\u4e0d\u4ec5\u6211\u4eec\u5728\u88c5\u9970\u7269\u88ab\u6536\u8d77\u6765\u540e\u9762\u4e34\u8d26\u5355\uff0c\u800c\u4e14\u6839\u636eExperian\u7684\u4e00\u9879\u8c03\u67e5\uff0c43%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u989d\u5916\u7684\u8d39\u7528\u4e5f\u4f7f\u5047\u65e5\u96be\u4ee5\u4eab\u53d7\u3002<\/p>\n<p>\u73b0\u5728\u662f\u89c4\u5212\u7684\u65f6\u5019\u4e86\uff0c\u8fd9\u6837\u4f60\u7684\u5341\u4e8c\u6708\u7684\u7cbe\u795e\u5c31\u4e0d\u4f1a\u5bfc\u81f4\u4e00\u6708\u7684\u8d26\u5355\u3002\u6211\u4eec\u8be2\u95ee\u4e86\u4e94\u4f4d\u8282\u4fed\u4e13\u5bb6\uff0c\u4ed6\u4eec\u5982\u4f55\u907f\u514d\u5047\u65e5\u8fc7\u5ea6\u6d88\u8d39\u3002<\/p>\n<h4 style=\"font-size: 140%; color: #5da2d8; margin-top: 30px;\">\u8ba4\u8bc6\u4f60\u7684\u89e6\u53d1\u70b9<\/h4>\n<p><a href=\"https:\/\/donnafreedman.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5510\u5a1c\u00b7\u5f17\u91cc\u5fb7\u66fc<\/a>\uff0c\u300a\u8270\u96be\u65f6\u671f\u7684\u6e38\u620f\u624b\u518c\u300b\u7684\u4f5c\u8005\uff0c\u8bf4\u4f60\u9700\u8981\u8ba4\u8bc6\u5230\u4f60\u7684\u6d88\u8d39\u89e6\u53d1\u5668\u3002\u4f60\u662f\u5728\u8bd5\u56fe\u8ba9\u4f60\u7684\u5bb6\u5ead\u7684\u5047\u671f\u66f4\u52a0\u795e\u5947\u5417\uff1f\u4f60\u80fd\u62b5\u5236\u4f4f\u4efb\u4f55\u597d\u7684\u4ea4\u6613\u5417\uff1f\u77e5\u9053\u9a71\u52a8\u4f60\u6d88\u8d39\u7684\u662f\u4ec0\u4e48\u53ef\u4ee5\u5e2e\u52a9\u4f60\u505c\u6b62\u3002\u8fd9\u662f\u5979\u7684\u5efa\u8bae\uff1a<\/p>\n<ul style=\"font-size: 16px;\">\n<li>\u5373\u4f7f\u4f60\u5df2\u7ecf\u5b8c\u6210\u8d2d\u7269\uff0c\u4e5f\u8981\u968f\u8eab\u643a\u5e26\u4f60\u7684\u6e05\u5355\u3002\u5f53\u4f60\u770b\u5230\u4e00\u4e2a\u8d85\u503c\u7684\u4ea4\u6613\u6216\u4e00\u4e2a\u6bd4\u4f60\u5df2\u7ecf\u5305\u88c5\u597d\u7684\u793c\u7269\u201c\u66f4\u5b8c\u7f8e\u201d\u7684\u793c\u7269\u65f6\uff0c\u7528\u8fd9\u4e2a\u6e05\u5355\u63d0\u9192\u81ea\u5df1\u4f60\u5df2\u7ecf\u5b8c\u6210\u4e86\u3002<\/li>\n<li>\u628a\u82b1\u8d39\u5f88\u5c11\u6216\u4e0d\u82b1\u8d39\u4efb\u4f55\u4e1c\u897f\u4e70\u793c\u7269\u53d8\u6210\u4e00\u79cd\u6e38\u620f\u3002\u5f17\u91cc\u5fb7\u66fc\u559c\u6b22\u90a3\u4e9b\u4ee3\u8868\u201c\u8282\u4fed\u7684\u6fc0\u52a8\u4eba\u5fc3\u7684\u6545\u4e8b\u201d\u7684\u4e1c\u897f\u3002\u5979\u7528\u8fd9\u6837\u4e00\u4efd\u793c\u7269\uff0c\u4e00\u4e2a\u6709\u6d1e\u7684\u82b1\u74f6\uff0c\u6765\u4fdd\u5b58\u5979\u627e\u5230\u7684\u94b1\u2014\u2014\u5728\u5730\u4e0a\uff0c\u5728\u81ea\u52a8\u552e\u8d27\u673a\u91cc\uff0c\u65e0\u8bba\u5728\u54ea\u91cc\u2014\u2014\u7528\u6765\u5728\u6bcf\u4e2a\u5047\u65e5\u5b63\u8282\u7ed9\u6148\u5584\u673a\u6784\u3002<\/li>\n<li>\u8003\u8651\u8ba9\u4f53\u9a8c\u6210\u4e3a\u793c\u7269\u3002\u5982\u679c\u4f60\u5df2\u7ecf\u8ba1\u5212\u548c\u4e00\u7fa4\u670b\u53cb\u4e00\u8d77\u5ea6\u8fc7\u5047\u671f\uff0c\u4f60\u4eec\u80fd\u5426\u540c\u610f\u8fd9\u5c06\u662f\u5f7c\u6b64\u7684\u793c\u7269\uff1f<\/li>\n<\/ul>\n<hr style=\"border: 1px solid #fff; margin-bottom: 20px;\" \/>\n<h4 style=\"font-size: 140%; color: #5da2d8;\">\u4e0e\u6e05\u5355\u4e00\u8d77\u5de5\u4f5c<\/h4>\n<p>\u5bf9\u4e8e\u8482\u82ac\u59ae\u00b7\u963f\u5229\u5207\uff0c\u4e5f\u5c31\u662f\u201c<a href=\"https:\/\/thebudgetnista.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9884\u7b97\u5973\u58eb<\/a>\u201d\uff0c\u7b2c\u4e00\u6b65\u662f\u5236\u5b9a\u4e00\u4e2a\u4f60\u6253\u7b97\u7ed9\u4e88\u7684\u4eba\u548c\u4f60\u6253\u7b97\u82b1\u8d39\u7684\u91d1\u989d\u7684\u6e05\u5355\u3002\u786e\u4fdd\u4f60\u7684\u793c\u7269\u9884\u7b97\u9002\u5e94\u4e00\u4e2a\u603b\u4f53\u7684\u5047\u671f\u9884\u7b97\uff0c\u5305\u62ec\u8fd0\u8d39\u3001\u88c5\u9970\u3001\u98df\u54c1\u3001\u65c5\u884c\u548c\u5a31\u4e50\u3002\u5979\u7684\u9876\u7ea7\u5efa\u8bae\uff1a<\/p>\n<ul style=\"font-size: 16px;\">\n<li>\u68c0\u67e5\u90a3\u4e2a\u6e05\u5355\u4e24\u6b21\u3002\u5f88\u5bb9\u6613\u5fd8\u8bb0\u611f\u8c22\u6559\u7ec3\u3001\u6559\u5e08\u3001\u90ae\u9012\u5458\u3001\u6d3e\u5bf9\u4e3b\u4eba\u7684\u793c\u7269\u3002\u51b3\u5b9a\u4f60\u60f3\u7ed9\u6bcf\u4e2a\u4eba\u4ec0\u4e48\u793c\u7269\u3002\u4e00\u65e6\u6e05\u5355\u786e\u5b9a\uff0c\u5c31\u5728\u4f60\u8fdb\u884c\u7684\u8fc7\u7a0b\u4e2d\u8c03\u6574\u5b83\uff0c\u4ee5\u4fdd\u6301\u8ba1\u5212\u7684\u793c\u7269\u548c\u4f60\u7684\u9884\u7b97\u540c\u6b65\u3002<\/li>\n<li>\u4f7f\u7528\u6280\u672f\u3002\u201c\u5728\u4f60\u8d2d\u4e70\u6216\u8fdb\u5165\u5546\u5e97\u4e4b\u524d\uff0c\u5148\u5728\u7f51\u4e0a\u68c0\u67e5\u4ef7\u683c\uff0c\u201d\u963f\u5229\u5207\u8bf4\u3002\u77e5\u9053\u4f60\u7684\u6e05\u5355\u4e0a\u6bcf\u4e2a\u793c\u7269\u7684\u4ef7\u683c\u8303\u56f4\uff0c\u5e76\u8bbe\u7f6e\u4ef7\u683c\u63d0\u9192\u3002\u963f\u5229\u5207\u7684\u65b0\u6700\u7231\u662fChrome\u6269\u5c55<a href=\"https:\/\/chrome.google.com\/webstore\/detail\/wikibuy\/nenlahapcbofgnanklpelkaejcehkggg?hl=en-US\" target=\"_blank\" rel=\"noopener noreferrer\">Wikibuy<\/a>\uff0c\u5f53\u4f60\u5728\u7f51\u4e0a\u8d2d\u7269\u65f6\uff0c\u5b83\u4f1a\u5bfb\u627e\u66f4\u597d\u7684\u4f18\u60e0\uff0c\u5e76\u5728\u4f60\u7ed3\u8d26\u65f6\u5e94\u7528\u6700\u597d\u7684\u4f18\u60e0\u5238\u3002<\/li>\n<li>\u8003\u8651\u8ba9\u4f53\u9a8c\u6210\u4e3a\u793c\u7269\u3002\u5982\u679c\u4f60\u5df2\u7ecf\u8ba1\u5212\u548c\u4e00\u7fa4\u670b\u53cb\u4e00\u8d77\u5ea6\u8fc7\u5047\u671f\uff0c\u4f60\u4eec\u80fd\u5426\u540c\u610f\u8fd9\u5c06\u662f\u5f7c\u6b64\u7684\u793c\u7269\uff1f<\/li>\n<\/ul>\n<hr style=\"border: 1px solid #fff; margin-bottom: 20px;\" \/>\n<h4 style=\"font-size: 140%; color: #5da2d8;\">\u8ba9\u4f60\u7684\u65b9\u6cd5\u7b26\u5408\u4f60\u7684\u4ef7\u503c\u89c2<\/h4>\n<p>\u4ee5\u7b14\u540d<a href=\"https:\/\/www.frugalwoods.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Frugalwoods\u592b\u4eba<\/a>\u5199\u535a\u5ba2\u7684\u535a\u4e3b\u8bf4\uff0c\u5979\u7684\u5bb6\u5ead\u7684\u8282\u4fed\u201c\u8d85\u8d8a\u4e86\u5047\u671f\u3002\u201d\u5979\u6307\u51fa\uff0c\u5c3d\u7ba1\u8fd9\u4e2a\u5b63\u8282\u201c\u7f8e\u597d\u800c\u6709\u8da3\uff0c\u4f46\u8fd9\u5e76\u4e0d\u662f\u501f\u53e3\u53bb\u52a8\u7528\u4f60\u7684\u7d27\u6025\u57fa\u91d1\u3002\u201d\u5979\u7684\u5efa\u8bae\uff1a<\/p>\n<ul style=\"font-size: 16px;\">\n<li>\u51b3\u5b9a\u4ec0\u4e48\u6700\u91cd\u8981\uff0c\u7136\u540e\u76f8\u5e94\u5730\u82b1\u8d39\u3002\u5bf9\u5979\u6765\u8bf4\uff0c\u6700\u91cd\u8981\u7684\u662f\u5bb6\u5ead\u805a\u4f1a\u3002\u5979\u4e3b\u6301\u611f\u6069\u8282\uff0c\u5e76\u4ece\u96f6\u5f00\u59cb\u505a\u996d\uff0c\u800c\u4e0d\u662f\u8d2d\u4e70\u9884\u5236\u7684\u6216\u53bb\u9910\u5385\u3002<\/li>\n<li>\u7528\u793c\u54c1\u5361\u6216\u73b0\u91d1\u8fd4\u8fd8\u5956\u52b1\u8d2d\u7269\u3002\u5979\u66f4\u559c\u6b22\u8d60\u9001\u7269\u54c1\u800c\u4e0d\u662f\u793c\u54c1\u5361\uff0c\u4f46\u5076\u5c14\u4f1a\u8f6c\u8d60\u7ed9\u5979\u7684\u793c\u54c1\u5361\u3002\u8fd9\u662f\u6700\u597d\u7684\u518d\u793c\u7269\u3002<\/li>\n<li>\u8ba9\u4f60\u7684\u4ef7\u503c\u89c2\u5f15\u5bfc\u4f60\u3002\u5979\u503e\u5411\u4e8e\u201c\u5c0f\u800c\u5408\u7406\u7684\u793c\u7269\u201d\u548c\u672c\u5730\u8d2d\u7269\u3002<\/li>\n<\/ul>\n<h4 style=\"font-size: 140%; color: #5da2d8;\">\u4e86\u89e3\u6210\u672c\u548c\u4ef7\u503c\u7684\u533a\u522b<\/h4>\n<p>Mary Hunt\uff0c\u4e66\u7c4d\u201c\u65e0\u503a\u751f\u6d3b\u201d\u7684\u4f5c\u8005\uff0c\u5728<a href=\"https:\/\/www.everydaycheapskate.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u6bcf\u65e5\u541d\u556c\u9b3c<\/a>\u4e0a\u5199\u535a\u5ba2\u3002\u5979\u8bf4\uff0c\u7406\u89e3\u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u4e0d\u662f\u82b1\u94b1\u7684\u8bb8\u53ef\u8bc1\u5f88\u91cd\u8981\u3002\u8bd5\u8bd5\u8fd9\u4e9b\u65b9\u6cd5\uff1a<\/p>\n<ul style=\"font-size: 16px;\">\n<li>\u53ea\u7528\u73b0\u91d1\u8d2d\u7269\uff1b\u628a\u4f60\u7684\u652f\u7968\u672c\u548c\u4fe1\u7528\u5361\u4ee5\u53ca\u501f\u8bb0\u5361\u7559\u5728\u5bb6\u91cc\u3002<a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/money-legitimate-ways-quick-cash\/?trk=nw-wire_549_328613_25745\" target=\"_blank\" rel=\"noopener noreferrer\">\u9700\u8981\u66f4\u591a\u73b0\u91d1\u5417?<\/a>\u770b\u770b\u4f60\u662f\u5426\u53ef\u4ee5\u901a\u8fc7\u4f7f\u7528\u51b0\u7bb1\u6216\u6a71\u67dc\u91cc\u7684\u98df\u54c1\u6682\u65f6\u51cf\u5c11\u4f60\u7684\u6742\u8d27\u8d26\u5355\uff0c\u6216\u8005\u627e\u51fa\u672a\u4f7f\u7528\u7684\u793c\u54c1\u5361\u6765\u8d44\u52a9\u5047\u65e5\u8d2d\u7269\u3002<\/li>\n<li>\u4e86\u89e3\u793c\u7269\u7684\u4ef7\u503c\u548c\u6210\u672c\u7684\u533a\u522b\u3002\u4e00\u4e2a\u4f60\u5728\u9500\u552e\u4e2d\u627e\u5230\u76848\u7f8e\u5143\u768420\u7f8e\u5143\u7684\u70e4\u9762\u5305\u673a\u4ecd\u7136\u662f\u4e00\u4e2a20\u7f8e\u5143\u7684\u793c\u7269\u3002\u5982\u679c\u4f60\u9884\u7b97\u4e8620\u7f8e\u5143\u4f46\u4ed8\u4e86\u66f4\u5c11\uff0c\u90a3\u5e76\u4e0d\u610f\u5473\u7740\u4f60\u6b20\u6536\u793c\u4eba12\u7f8e\u5143\u7684\u793c\u7269\u3002<\/li>\n<li>\u66f4\u5e7f\u6cdb\u5730\u5b9a\u4e49\u201c\u793c\u7269\u201d\u3002\u4f60\u80fd\u5426\u63d0\u4f9b\u4f60\u7684\u4e13\u4e1a\u77e5\u8bc6\uff0c\u6bd4\u5982\u4e3a\u4e00\u4e2a\u6280\u672f\u6311\u6218\u7684\u670b\u53cb\u5efa\u7acb\u4e00\u4e2a\u7f51\u7ad9\uff1f\u4f60\u6709\u4e00\u4e2a\u73cd\u8d35\u7684\u8d22\u4ea7\u8981\u4f20\u9012\u5417\uff1fHunt\u6700\u559c\u6b22\u7684\u793c\u7269\u4e4b\u4e00\u662f\u5979\u5a46\u5a46\u7684\u590d\u53e4\u6c34\u6676\uff1a\u201c\u5979\u5728\u5723\u8bde\u8282\u4e3a\u6211\u5305\u88c5\u4e86\u5b83\uff0c\u770b\u5230\u6211\u5728\u4eab\u7528\u5b83\uff0c\u800c\u4e0d\u662f\u53ea\u5728\u5979\u7684\u9057\u5631\u4e2d\u7559\u7ed9\u6211\u3002\u201d<\/li>\n<\/ul>\n<h4 style=\"font-size: 140%; color: #5da2d8;\">\u8ba1\u5212\u8282\u4fed<\/h4>\n<p>\u6709\u4e00\u4e2a\u8ba1\u5212\u662f\u8282\u4fed\u7684\u5173\u952e\uff0c\u8fd9\u662fThe Dollar Stretcher\u7684\u521b\u59cb\u4ebaGary Foreman\u8bf4\u7684\u3002\u201c\u5982\u679c\u4f60\u6ca1\u6709\u8ba1\u5212\uff0c\u4f60\u4f1a\u8d85\u652f\uff0c\u201d\u4ed6\u8bf4\uff0c\u6307\u51fa\u6709\u4e9b\u4eba\u76f4\u5230\u56db\u6708\u6216\u4e94\u6708\u624d\u7ed3\u675f\u652f\u4ed8\u5723\u8bde\u8282\u7684\u8d39\u7528\u3002\u4ed6\u7684\u5efa\u8bae\uff1a<\/p>\n<ul style=\"font-size: 16px; margin-top: 20px;\">\n<li>\u8ba2\u9605\u5728\u7ebf\u4ef7\u683c\u63d0\u9192\uff0c\u8fd9\u6837\u4f60\u5c31\u4f1a\u77e5\u9053\u7279\u5b9a\u5546\u54c1\u6216\u65c5\u884c\u7684\u4ef7\u683c\u4e0b\u964d\u3002\uff08\u7136\u540e\u53d6\u6d88\u8ba2\u9605\uff0c\u8fd9\u6837\u6301\u7eed\u7684\u63d0\u9192\u4e0d\u4f1a\u8bf1\u4f7f\u4f60\u82b1\u94b1\u3002)<\/li>\n<li>\u8f6c\u8d60\u662f\u53ef\u4ee5\u7684\uff0c\u5c24\u5176\u662f\u5f53\u4f60\u77e5\u9053\u6709\u4eba\u4f1a\u559c\u6b22\u4f60\u65e0\u6cd5\u6216\u4e0d\u4f1a\u4f7f\u7528\u7684\u4e1c\u897f\u65f6\u3002<\/li>\n<li>\u771f\u5fc3\u7684\u60f3\u6cd5\u786e\u5b9e\u5f88\u91cd\u8981\uff0c\u800c\u4e14\u4f53\u8d34\u7684\u793c\u7269\u53ef\u4ee5\u4e0d\u8d35\u3002\u4ed6\u6700\u559c\u6b22\u7684\u793c\u7269\u4e4b\u4e00\u662f\u4ed6\u7684\u5973\u513f\u627e\u5230\u4e86\u4e00\u4e2a\u6c11\u65cf\u9762\u5305\u5e97\uff0c\u4e3a\u4ed6\u4e70\u4e86\u4e00\u4e9b\u4ed6\u7684\u7956\u6bcd\u8fc7\u53bb\u5e38\u505a\u7684\u6ce2\u5e0c\u7c73\u4e9a\u7cd5\u70b9kolaches\u3002\u201c\u4e00\u65e6\u4f60\u7684\u9700\u6c42\u5f97\u5230\u6ee1\u8db3\uff0c\u771f\u6b63\u6709\u610f\u4e49\u7684\u793c\u7269\u5c31\u662f\u90a3\u4e9b\u80fd\u8868\u660e\u8d60\u9001\u8005\u4e86\u89e3\u6211\u4eec\u662f\u8c01\u7684\u793c\u7269\u3002\u8fd9\u4e9b\u662f\u6700\u597d\u7684\uff0c\u4e5f\u662f\u6700\u96be\u5fd8\u7684\u793c\u7269\uff0c\u201d\u4ed6\u8bf4\u3002<\/li>\n<\/ul>\n<div style=\"margin-top: 60px;\">\n<p><i>Bev O\u2019Shea\u662fNerdWallet\u7684\u4e00\u540d\u5458\u5de5\u4f5c\u5bb6\uff0c\u8fd9\u662f\u4e00\u4e2a\u4e2a\u4eba\u8d22\u52a1\u7f51\u7ad9\u3002<\/i><br \/>\n<i>\u7535\u5b50\u90ae\u4ef6\uff1a<\/i><i><a href=\"mailto:someone@yoursite.com\" target=\"_blank\" rel=\"noopener noreferrer\"> boshea@nerdwallet.com<\/a><\/i><br \/>\n<i>Twitter\uff1a<\/i><i><a href=\"https:\/\/twitter.com\/BeverlyOShea\" target=\"_blank\" rel=\"noopener noreferrer\"> @BeverlyOShea<\/a><\/i><br \/>\n\u6587\u7ae0<a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/frugality-experts-tame-holiday-spending\/?trk=nw-wire_549_328613_25745\" target=\"_blank\" rel=\"noopener noreferrer\">5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u4f60\u63a7\u5236\u8282\u65e5\u6d88\u8d39<\/a>\u6700\u521d\u51fa\u73b0\u5728<a href=\"https:\/\/www.nerdwallet.com\/?trk=nw-wire_549_328613_25745\" target=\"_blank\" rel=\"noopener noreferrer\">NerdWallet<\/a>\u4e0a\u3002<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u589e\u52a0\u5f00\u652f\u7684\u65f6\u671f\u5bf9\u4efb\u4f55\u4eba\u6765\u8bf4\u90fd\u53ef\u80fd\u4f1a\u5e26\u6765\u8d22\u52a1\u4e0a\u7684\u6311\u6218\uff0c\u5373\u4f7f\u4f60\u6ca1\u6709\u5b66\u751f\u8d37\u6b3e\u3002\u51ac\u5b63\u5047\u671f\u5c24\u5176\u53ef\u80fd\u4f7f\u9884\u7b97\u53d8\u5f97\u68d8\u624b\uff1a\u5982\u679c\u4f60\u5229\u7528\u5047\u671f\u65f6\u95f4\uff0c\u53ef\u80fd\u4f1a\u6709\u65c5\u884c\u8d39\u7528\uff0c\u9700\u8981\u53c2\u52a0\u5047\u65e5\u6d3e\u5bf9\uff08\u53ef\u80fd\u4f60\u9700\u8981\u4e00\u5957\u65b0\u7684\u670d\u88c5\uff0c\u6216\u8005\u4e0d\u60f3\u7a7a\u624b\u51fa\u73b0\u800c\u5e26\u4e00\u74f6\u9152\uff09\uff0c\u5f53\u7136\uff0c\u8fd8\u6709\u9001\u793c\u3002 \u867d\u7136\u6709\u5927\u91cf\u7684\u538b\u529b\u8ba9\u4f60\u82b1\u94b1\uff0c\u4f46\u4fdd\u6301\u51b7\u9759\u5e76\u8d1f\u8d23\u4efb\u5730\u9884\u7b97\u662f\u81f3\u5173\u91cd\u8981\u7684\u3002\u4f60\u6700\u4e0d\u60f3\u505a\u7684\u4e8b\u60c5\u5c31\u662f\u5728\u52a9\u5b66\u91d1\u4ed8\u6b3e\u4e0a\u843d\u540e\uff0c\u9677\u5165\u4fe1\u7528\u5361\u503a\u52a1\uff0c\u6216\u8005\u900f\u652f\u94f6\u884c\u8d26\u6237\u3002\u5728\u65b0\u7684\u4e00\u5e74\u5f00\u59cb\u65f6\u9677\u5165\u8d22\u52a1\u56f0\u5883\u662f\u4e0d\u503c\u5f97\u7684\u3002 \u6240\u4ee5\uff0c\u7531NerdWallet\u63d0\u4f9b\uff0c\u6211\u4eec\u4e3a\u4f60\u63d0\u4f9b\u4e86\u4e00\u4e9b\u63a7\u5236\u4f60\u7684\u5f00\u652f\uff08\u800c\u4e0d\u4f1a\u611f\u5230\u75db\u82e6\uff09\u7684\u5efa\u8bae\u3002 MPOWER Pro-tip \u5728\u8282\u5047\u65e5\u548c\u91cd\u5927\u751f\u6d3b\u4e8b\u4ef6\uff08\u5a5a\u793c\uff0c\u751f\u65e5\u7b49\uff09\u671f\u95f4\uff0c\u6211\u4eec\u5f88\u5bb9\u6613\u89c9\u5f97\u5fc5\u987b\u82b1\u5f88\u591a\u94b1 &#8211; \u6211\u4eec\u90fd\u6709\u8fc7\u8fd9\u6837\u7684\u7ecf\u5386\u3002\u4e0d\u8981\u62c5\u5fc3\u5176\u4ed6\u4eba\u5bf9\u4f60\u5e26\u5230\u4efb\u4f55\u805a\u4f1a\u7684\u4e1c\u897f\u7684\u8bc4\u4ef7\u3002\u6700\u91cd\u8981\u7684\u4eba\u77e5\u9053\uff0c\u5982\u679c\u4f60\u5728\u4e0a\u5b66\u6216\u8005\u4f60\u521a\u521a\u6bd5\u4e1a\uff0c\u4f60\u6709\u5f88\u591a\u5f00\u652f\uff08\u5e76\u4e14\u6ca1\u6709\u5f88\u591a\u73b0\u91d1\u8fdb\u6765\uff09\u3002\u4ed6\u4eec\u4e0d\u4f1a\u5e0c\u671b\u4f60\u4e3a\u4e86\u633d\u56de\u9762\u5b50\u800c\u9677\u5165\u8fc7\u5ea6\u7684\u503a\u52a1\u3002\u4e00\u5c01\u7cbe\u5fc3\u624b\u5199\u7684\u4fbf\u6761\uff0c\u4e00\u6279\u81ea\u5236\u7684\u997c\u5e72\uff0c\u6216\u8005\u53ea\u662f\u4f60\u7684\u8eab\u4f53\u5b58\u5728\uff0c\u5c31\u8db3\u4ee5\u8ba9\u4ed6\u4eba\u77e5\u9053\u4ed6\u4eec\u662f\u88ab\u7231\u548c\u6b23\u8d4f\u7684\u3002 \u5047\u65e5\u671f\u95f4\u8fc7\u9ad8\u7684\u671f\u671b\u53ef\u80fd\u4f1a\u8bf1\u4f7f\u6211\u4eec\u82b1\u8d39\u8d85\u8fc7\u6211\u4eec\u6240\u80fd\u8d1f\u62c5\u7684\u3002\u4e0d\u4ec5\u6211\u4eec\u5728\u88c5\u9970\u7269\u88ab\u6536\u8d77\u6765\u540e\u9762\u4e34\u8d26\u5355\uff0c\u800c\u4e14\u6839\u636eExperian\u7684\u4e00\u9879\u8c03\u67e5\uff0c43%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u989d\u5916\u7684\u8d39\u7528\u4e5f\u4f7f\u5047\u65e5\u96be\u4ee5\u4eab\u53d7\u3002 \u73b0\u5728\u662f\u89c4\u5212\u7684\u65f6\u5019\u4e86\uff0c\u8fd9\u6837\u4f60\u7684\u5341\u4e8c\u6708\u7684\u7cbe\u795e\u5c31\u4e0d\u4f1a\u5bfc\u81f4\u4e00\u6708\u7684\u8d26\u5355\u3002\u6211\u4eec\u8be2\u95ee\u4e86\u4e94\u4f4d\u8282\u4fed\u4e13\u5bb6\uff0c\u4ed6\u4eec\u5982\u4f55\u907f\u514d\u5047\u65e5\u8fc7\u5ea6\u6d88\u8d39\u3002 \u8ba4\u8bc6\u4f60\u7684\u89e6\u53d1\u70b9 \u5510\u5a1c\u00b7\u5f17\u91cc\u5fb7\u66fc\uff0c\u300a\u8270\u96be\u65f6\u671f\u7684\u6e38\u620f\u624b\u518c\u300b\u7684\u4f5c\u8005\uff0c\u8bf4\u4f60\u9700\u8981\u8ba4\u8bc6\u5230\u4f60\u7684\u6d88\u8d39\u89e6\u53d1\u5668\u3002\u4f60\u662f\u5728\u8bd5\u56fe\u8ba9\u4f60\u7684\u5bb6\u5ead\u7684\u5047\u671f\u66f4\u52a0\u795e\u5947\u5417\uff1f\u4f60\u80fd\u62b5\u5236\u4f4f\u4efb\u4f55\u597d\u7684\u4ea4\u6613\u5417\uff1f\u77e5\u9053\u9a71\u52a8\u4f60\u6d88\u8d39\u7684\u662f\u4ec0\u4e48\u53ef\u4ee5\u5e2e\u52a9\u4f60\u505c\u6b62\u3002\u8fd9\u662f\u5979\u7684\u5efa\u8bae\uff1a \u5373\u4f7f\u4f60\u5df2\u7ecf\u5b8c\u6210\u8d2d\u7269\uff0c\u4e5f\u8981\u968f\u8eab\u643a\u5e26\u4f60\u7684\u6e05\u5355\u3002\u5f53\u4f60\u770b\u5230\u4e00\u4e2a\u8d85\u503c\u7684\u4ea4\u6613\u6216\u4e00\u4e2a\u6bd4\u4f60\u5df2\u7ecf\u5305\u88c5\u597d\u7684\u793c\u7269\u201c\u66f4\u5b8c\u7f8e\u201d\u7684\u793c\u7269\u65f6\uff0c\u7528\u8fd9\u4e2a\u6e05\u5355\u63d0\u9192\u81ea\u5df1\u4f60\u5df2\u7ecf\u5b8c\u6210\u4e86\u3002 \u628a\u82b1\u8d39\u5f88\u5c11\u6216\u4e0d\u82b1\u8d39\u4efb\u4f55\u4e1c\u897f\u4e70\u793c\u7269\u53d8\u6210\u4e00\u79cd\u6e38\u620f\u3002\u5f17\u91cc\u5fb7\u66fc\u559c\u6b22\u90a3\u4e9b\u4ee3\u8868\u201c\u8282\u4fed\u7684\u6fc0\u52a8\u4eba\u5fc3\u7684\u6545\u4e8b\u201d\u7684\u4e1c\u897f\u3002\u5979\u7528\u8fd9\u6837\u4e00\u4efd\u793c\u7269\uff0c\u4e00\u4e2a\u6709\u6d1e\u7684\u82b1\u74f6\uff0c\u6765\u4fdd\u5b58\u5979\u627e\u5230\u7684\u94b1\u2014\u2014\u5728\u5730\u4e0a\uff0c\u5728\u81ea\u52a8\u552e\u8d27\u673a\u91cc\uff0c\u65e0\u8bba\u5728\u54ea\u91cc\u2014\u2014\u7528\u6765\u5728\u6bcf\u4e2a\u5047\u65e5\u5b63\u8282\u7ed9\u6148\u5584\u673a\u6784\u3002 \u8003\u8651\u8ba9\u4f53\u9a8c\u6210\u4e3a\u793c\u7269\u3002\u5982\u679c\u4f60\u5df2\u7ecf\u8ba1\u5212\u548c\u4e00\u7fa4\u670b\u53cb\u4e00\u8d77\u5ea6\u8fc7\u5047\u671f\uff0c\u4f60\u4eec\u80fd\u5426\u540c\u610f\u8fd9\u5c06\u662f\u5f7c\u6b64\u7684\u793c\u7269\uff1f \u4e0e\u6e05\u5355\u4e00\u8d77\u5de5\u4f5c \u5bf9\u4e8e\u8482\u82ac\u59ae\u00b7\u963f\u5229\u5207\uff0c\u4e5f\u5c31\u662f\u201c\u9884\u7b97\u5973\u58eb\u201d\uff0c\u7b2c\u4e00\u6b65\u662f\u5236\u5b9a\u4e00\u4e2a\u4f60\u6253\u7b97\u7ed9\u4e88\u7684\u4eba\u548c\u4f60\u6253\u7b97\u82b1\u8d39\u7684\u91d1\u989d\u7684\u6e05\u5355\u3002\u786e\u4fdd\u4f60\u7684\u793c\u7269\u9884\u7b97\u9002\u5e94\u4e00\u4e2a\u603b\u4f53\u7684\u5047\u671f\u9884\u7b97\uff0c\u5305\u62ec\u8fd0\u8d39\u3001\u88c5\u9970\u3001\u98df\u54c1\u3001\u65c5\u884c\u548c\u5a31\u4e50\u3002\u5979\u7684\u9876\u7ea7\u5efa\u8bae\uff1a \u68c0\u67e5\u90a3\u4e2a\u6e05\u5355\u4e24\u6b21\u3002\u5f88\u5bb9\u6613\u5fd8\u8bb0\u611f\u8c22\u6559\u7ec3\u3001\u6559\u5e08\u3001\u90ae\u9012\u5458\u3001\u6d3e\u5bf9\u4e3b\u4eba\u7684\u793c\u7269\u3002\u51b3\u5b9a\u4f60\u60f3\u7ed9\u6bcf\u4e2a\u4eba\u4ec0\u4e48\u793c\u7269\u3002\u4e00\u65e6\u6e05\u5355\u786e\u5b9a\uff0c\u5c31\u5728\u4f60\u8fdb\u884c\u7684\u8fc7\u7a0b\u4e2d\u8c03\u6574\u5b83\uff0c\u4ee5\u4fdd\u6301\u8ba1\u5212\u7684\u793c\u7269\u548c\u4f60\u7684\u9884\u7b97\u540c\u6b65\u3002 \u4f7f\u7528\u6280\u672f\u3002\u201c\u5728\u4f60\u8d2d\u4e70\u6216\u8fdb\u5165\u5546\u5e97\u4e4b\u524d\uff0c\u5148\u5728\u7f51\u4e0a\u68c0\u67e5\u4ef7\u683c\uff0c\u201d\u963f\u5229\u5207\u8bf4\u3002\u77e5\u9053\u4f60\u7684\u6e05\u5355\u4e0a\u6bcf\u4e2a\u793c\u7269\u7684\u4ef7\u683c\u8303\u56f4\uff0c\u5e76\u8bbe\u7f6e\u4ef7\u683c\u63d0\u9192\u3002\u963f\u5229\u5207\u7684\u65b0\u6700\u7231\u662fChrome\u6269\u5c55Wikibuy\uff0c\u5f53\u4f60\u5728\u7f51\u4e0a\u8d2d\u7269\u65f6\uff0c\u5b83\u4f1a\u5bfb\u627e\u66f4\u597d\u7684\u4f18\u60e0\uff0c\u5e76\u5728\u4f60\u7ed3\u8d26\u65f6\u5e94\u7528\u6700\u597d\u7684\u4f18\u60e0\u5238\u3002 \u8003\u8651\u8ba9\u4f53\u9a8c\u6210\u4e3a\u793c\u7269\u3002\u5982\u679c\u4f60\u5df2\u7ecf\u8ba1\u5212\u548c\u4e00\u7fa4\u670b\u53cb\u4e00\u8d77\u5ea6\u8fc7\u5047\u671f\uff0c\u4f60\u4eec\u80fd\u5426\u540c\u610f\u8fd9\u5c06\u662f\u5f7c\u6b64\u7684\u793c\u7269\uff1f \u8ba9\u4f60\u7684\u65b9\u6cd5\u7b26\u5408\u4f60\u7684\u4ef7\u503c\u89c2 \u4ee5\u7b14\u540dFrugalwoods\u592b\u4eba\u5199\u535a\u5ba2\u7684\u535a\u4e3b\u8bf4\uff0c\u5979\u7684\u5bb6\u5ead\u7684\u8282\u4fed\u201c\u8d85\u8d8a\u4e86\u5047\u671f\u3002\u201d\u5979\u6307\u51fa\uff0c\u5c3d\u7ba1\u8fd9\u4e2a\u5b63\u8282\u201c\u7f8e\u597d\u800c\u6709\u8da3\uff0c\u4f46\u8fd9\u5e76\u4e0d\u662f\u501f\u53e3\u53bb\u52a8\u7528\u4f60\u7684\u7d27\u6025\u57fa\u91d1\u3002\u201d\u5979\u7684\u5efa\u8bae\uff1a \u51b3\u5b9a\u4ec0\u4e48\u6700\u91cd\u8981\uff0c\u7136\u540e\u76f8\u5e94\u5730\u82b1\u8d39\u3002\u5bf9\u5979\u6765\u8bf4\uff0c\u6700\u91cd\u8981\u7684\u662f\u5bb6\u5ead\u805a\u4f1a\u3002\u5979\u4e3b\u6301\u611f\u6069\u8282\uff0c\u5e76\u4ece\u96f6\u5f00\u59cb\u505a\u996d\uff0c\u800c\u4e0d\u662f\u8d2d\u4e70\u9884\u5236\u7684\u6216\u53bb\u9910\u5385\u3002 \u7528\u793c\u54c1\u5361\u6216\u73b0\u91d1\u8fd4\u8fd8\u5956\u52b1\u8d2d\u7269\u3002\u5979\u66f4\u559c\u6b22\u8d60\u9001\u7269\u54c1\u800c\u4e0d\u662f\u793c\u54c1\u5361\uff0c\u4f46\u5076\u5c14\u4f1a\u8f6c\u8d60\u7ed9\u5979\u7684\u793c\u54c1\u5361\u3002\u8fd9\u662f\u6700\u597d\u7684\u518d\u793c\u7269\u3002 \u8ba9\u4f60\u7684\u4ef7\u503c\u89c2\u5f15\u5bfc\u4f60\u3002\u5979\u503e\u5411\u4e8e\u201c\u5c0f\u800c\u5408\u7406\u7684\u793c\u7269\u201d\u548c\u672c\u5730\u8d2d\u7269\u3002 \u4e86\u89e3\u6210\u672c\u548c\u4ef7\u503c\u7684\u533a\u522b Mary Hunt\uff0c\u4e66\u7c4d\u201c\u65e0\u503a\u751f\u6d3b\u201d\u7684\u4f5c\u8005\uff0c\u5728\u6bcf\u65e5\u541d\u556c\u9b3c\u4e0a\u5199\u535a\u5ba2\u3002\u5979\u8bf4\uff0c\u7406\u89e3\u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u4e0d\u662f\u82b1\u94b1\u7684\u8bb8\u53ef\u8bc1\u5f88\u91cd\u8981\u3002\u8bd5\u8bd5\u8fd9\u4e9b\u65b9\u6cd5\uff1a \u53ea\u7528\u73b0\u91d1\u8d2d\u7269\uff1b\u628a\u4f60\u7684\u652f\u7968\u672c\u548c\u4fe1\u7528\u5361\u4ee5\u53ca\u501f\u8bb0\u5361\u7559\u5728\u5bb6\u91cc\u3002\u9700\u8981\u66f4\u591a\u73b0\u91d1\u5417?\u770b\u770b\u4f60\u662f\u5426\u53ef\u4ee5\u901a\u8fc7\u4f7f\u7528\u51b0\u7bb1\u6216\u6a71\u67dc\u91cc\u7684\u98df\u54c1\u6682\u65f6\u51cf\u5c11\u4f60\u7684\u6742\u8d27\u8d26\u5355\uff0c\u6216\u8005\u627e\u51fa\u672a\u4f7f\u7528\u7684\u793c\u54c1\u5361\u6765\u8d44\u52a9\u5047\u65e5\u8d2d\u7269\u3002 \u4e86\u89e3\u793c\u7269\u7684\u4ef7\u503c\u548c\u6210\u672c\u7684\u533a\u522b\u3002\u4e00\u4e2a\u4f60\u5728\u9500\u552e\u4e2d\u627e\u5230\u76848\u7f8e\u5143\u768420\u7f8e\u5143\u7684\u70e4\u9762\u5305\u673a\u4ecd\u7136\u662f\u4e00\u4e2a20\u7f8e\u5143\u7684\u793c\u7269\u3002\u5982\u679c\u4f60\u9884\u7b97\u4e8620\u7f8e\u5143\u4f46\u4ed8\u4e86\u66f4\u5c11\uff0c\u90a3\u5e76\u4e0d\u610f\u5473\u7740\u4f60\u6b20\u6536\u793c\u4eba12\u7f8e\u5143\u7684\u793c\u7269\u3002 \u66f4\u5e7f\u6cdb\u5730\u5b9a\u4e49\u201c\u793c\u7269\u201d\u3002\u4f60\u80fd\u5426\u63d0\u4f9b\u4f60\u7684\u4e13\u4e1a\u77e5\u8bc6\uff0c\u6bd4\u5982\u4e3a\u4e00\u4e2a\u6280\u672f\u6311\u6218\u7684\u670b\u53cb\u5efa\u7acb\u4e00\u4e2a\u7f51\u7ad9\uff1f\u4f60\u6709\u4e00\u4e2a\u73cd\u8d35\u7684\u8d22\u4ea7\u8981\u4f20\u9012\u5417\uff1fHunt\u6700\u559c\u6b22\u7684\u793c\u7269\u4e4b\u4e00\u662f\u5979\u5a46\u5a46\u7684\u590d\u53e4\u6c34\u6676\uff1a\u201c\u5979\u5728\u5723\u8bde\u8282\u4e3a\u6211\u5305\u88c5\u4e86\u5b83\uff0c\u770b\u5230\u6211\u5728\u4eab\u7528\u5b83\uff0c\u800c\u4e0d\u662f\u53ea\u5728\u5979\u7684\u9057\u5631\u4e2d\u7559\u7ed9\u6211\u3002\u201d \u8ba1\u5212\u8282\u4fed \u6709\u4e00\u4e2a\u8ba1\u5212\u662f\u8282\u4fed\u7684\u5173\u952e\uff0c\u8fd9\u662fThe Dollar&#8230;<\/p>\n","protected":false},"author":26,"featured_media":6353,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-26033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5\u4f4d\u4e13\u5bb6\u5e2e\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39 | MPOWER\u878d\u8d44<\/title>\n<meta name=\"description\" content=\"\u8ba9\u60a8\u7684\u5047\u671f\u66f4\u52a0\u5b9e\u60e0\uff01\u4ece5\u4f4d\u8282\u4fed\u4e13\u5bb6\u90a3\u91cc\u5b66\u4e60\u4ed6\u4eec\u7684\u9876\u7ea7\u7b56\u7565\uff0c\u4ee5\u524a\u51cf\u6210\u672c\u5e76\u7ba1\u7406\u60a8\u7684\u8282\u65e5\u6d88\u8d39\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\" \/>\n<meta property=\"og:site_name\" content=\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\" \/>\n<meta property=\"article:published_time\" content=\"2016-12-12T15:02:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-09T18:25:25+00:00\" \/>\n<meta name=\"author\" content=\"NerdWallet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"NerdWallet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\"},\"author\":{\"name\":\"NerdWallet\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df\"},\"headline\":\"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39\",\"datePublished\":\"2016-12-12T15:02:30+00:00\",\"dateModified\":\"2025-08-09T18:25:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\"},\"wordCount\":27,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"Financial Tips\"],\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\",\"name\":\"5\u4f4d\u4e13\u5bb6\u5e2e\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39 | MPOWER\u878d\u8d44\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2016-12-12T15:02:30+00:00\",\"dateModified\":\"2025-08-09T18:25:25+00:00\",\"author\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df\"},\"description\":\"\u8ba9\u60a8\u7684\u5047\u671f\u66f4\u52a0\u5b9e\u60e0\uff01\u4ece5\u4f4d\u8282\u4fed\u4e13\u5bb6\u90a3\u91cc\u5b66\u4e60\u4ed6\u4eec\u7684\u9876\u7ea7\u7b56\u7565\uff0c\u4ee5\u524a\u51cf\u6210\u672c\u5e76\u7ba1\u7406\u60a8\u7684\u8282\u65e5\u6d88\u8d39\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#breadcrumb\"},\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.mpowerfinancing.com\/zh\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/\",\"name\":\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\",\"description\":\"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df\",\"name\":\"NerdWallet\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g\",\"caption\":\"NerdWallet\"},\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/nerdwallet\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"5\u4f4d\u4e13\u5bb6\u5e2e\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39 | MPOWER\u878d\u8d44","description":"\u8ba9\u60a8\u7684\u5047\u671f\u66f4\u52a0\u5b9e\u60e0\uff01\u4ece5\u4f4d\u8282\u4fed\u4e13\u5bb6\u90a3\u91cc\u5b66\u4e60\u4ed6\u4eec\u7684\u9876\u7ea7\u7b56\u7565\uff0c\u4ee5\u524a\u51cf\u6210\u672c\u5e76\u7ba1\u7406\u60a8\u7684\u8282\u65e5\u6d88\u8d39\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/","og_locale":"zh_CN","og_type":"article","og_title":"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39","og_url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/","og_site_name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","article_published_time":"2016-12-12T15:02:30+00:00","article_modified_time":"2025-08-09T18:25:25+00:00","author":"NerdWallet","twitter_card":"summary_large_image","twitter_misc":{"Written by":"NerdWallet","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#article","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/"},"author":{"name":"NerdWallet","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df"},"headline":"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39","datePublished":"2016-12-12T15:02:30+00:00","dateModified":"2025-08-09T18:25:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/"},"wordCount":27,"commentCount":0,"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage"},"thumbnailUrl":"","articleSection":["Financial Tips"],"inLanguage":"zh","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/","url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/","name":"5\u4f4d\u4e13\u5bb6\u5e2e\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39 | MPOWER\u878d\u8d44","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage"},"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage"},"thumbnailUrl":"","datePublished":"2016-12-12T15:02:30+00:00","dateModified":"2025-08-09T18:25:25+00:00","author":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df"},"description":"\u8ba9\u60a8\u7684\u5047\u671f\u66f4\u52a0\u5b9e\u60e0\uff01\u4ece5\u4f4d\u8282\u4fed\u4e13\u5bb6\u90a3\u91cc\u5b66\u4e60\u4ed6\u4eec\u7684\u9876\u7ea7\u7b56\u7565\uff0c\u4ee5\u524a\u51cf\u6210\u672c\u5e76\u7ba1\u7406\u60a8\u7684\u8282\u65e5\u6d88\u8d39\u3002","breadcrumb":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#breadcrumb"},"inLanguage":"zh","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/"]}]},{"@type":"ImageObject","inLanguage":"zh","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-frugality-pros-help-rein-holiday-spending\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mpowerfinancing.com\/zh\/"},{"@type":"ListItem","position":2,"name":"5\u4f4d\u8282\u4fed\u4e13\u5bb6\u5e2e\u52a9\u60a8\u8282\u5236\u8282\u65e5\u6d88\u8d39"}]},{"@type":"WebSite","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website","url":"https:\/\/www.mpowerfinancing.com\/zh\/","name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","description":"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh"},{"@type":"Person","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/367dbecd1f4a04cbf1edb81e1d8c29df","name":"NerdWallet","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/84ccc9719e96fe767ce30c505467bbed71e1cf9accd14b89ea24927d8312050a?s=96&d=mm&r=g","caption":"NerdWallet"},"url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/nerdwallet\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/26033","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/comments?post=26033"}],"version-history":[{"count":1,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/26033\/revisions"}],"predecessor-version":[{"id":26034,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/26033\/revisions\/26034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/media?parent=26033"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/categories?post=26033"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/tags?post=26033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}