So today I'm going to share with you 20 things I don't buy in order to save money.

所以，今天我要和大家分享 20 件我為了省錢而不買的東西。

Hi everybody, my name is Sarah.

大家好，我叫莎拉。

Thank you so much for being here today.

非常感謝你們今天來到這裡。

If you don't know me, I am the owner of FrozenPennies.com.

如果你不認識我，我是 FrozenPennies.com 的所有者。

I'm a financial coach and as a family we are debt free.

我是一名理財教練，我們全家都沒有債務。

So here are my things.

下面是我的東西。

Here's my list of 20 things that I don't buy in order to save us a little bit of money.

以下是我列出的 20 種我不買的東西，以便為我們節省一點錢。

At this point they've become kind of habits for us.

在這一點上，它們已經成為我們的一種習慣。

And even though there are a few things on this list that my husband shakes his head at, we stick to our list.

儘管清單上有幾件事情讓我丈夫搖頭，但我們還是堅持按照清單行事。

Number one, paper napkins.

第一，紙巾。

I never buy paper napkins.

我從不買紙巾。

I have some downstairs in the bin for picnics and stuff that somebody brought years ago that we still haven't finished up.

我樓下的垃圾桶裡有一些野餐用的東西，還有幾年前有人帶來的，我們還沒吃完。

But we'd rather use cloth napkins.

但我們寧願用布餐巾。

I like them better.

我更喜歡它們。

I like that I can just throw them in the washing machine.

我喜歡可以直接扔進洗衣機的感覺。

And they're super soft and not wasteful.

而且它們超級柔軟，不會造成浪費。

Number two, bottled water, soda and juice.

第二，瓶裝水、蘇打水和果汁。

We don't buy any of those things.

我們不買這些東西。

We don't buy bottled water.

我們不買瓶裝水。

We have a Brita water filter that we like just fine for water.

我們有一個 Brita 濾水器，我們喜歡用它來過濾水。

As well as the water in our area really does taste pretty good.

此外，我們這裡的水確實味道不錯。

We don't drink a lot of soda in our home.

我們家不經常喝汽水。

We do actually still have some soda left over from last summer's anniversary party.

實際上，我們還有一些去年夏天週年派對上剩下的蘇打水。

But we haven't, it's been almost a year and we still haven't used it up.

但我們沒有，都快一年了，我們還沒用完。

We also don't buy juice.

我們也不買果汁。

We just don't drink it.

我們只是不喝而已。

I mean if it's here, my boys will drink it.

我的意思是，如果它在這裡，我的孩子們就會喝。

But if I don't buy it, they don't even ask for it.

但如果我不買，他們甚至都不會問我要。

It's just not worth the cost.

這根本不值得。

Number three, those meal kits.

第三，那些餐包。

Those meal kits that you get delivered to your house, everything is cold, they give you all of the ingredients to cook the meals.

那些送上門的餐包，所有東西都是冷的，他們會給你做飯的所有配料。

We don't buy those.

我們不買這些。

I've tried them a couple of times and even though they're fun, I think that they're more expensive and more work.

我試過幾次，雖然它們很有趣，但我覺得它們更貴，也更費事。

A lot of steps, a lot of ingredients, and a lot of time.

很多步驟、很多配料、很多時間。

There's no way that they actually take less than 30 minutes to cook.

烹飪時間不可能少於 30 分鐘。

There's no way.

不可能

It's not worth it.

這不值得。

Number four, new cars.

第四，新車。

I bought a new car once.

我曾經買過一輛新車。

One time in my 50 years of being alive, in my 34 years of being able to drive, I've purchased a new car one time when I was in college.

在我活著的 50 年裡，在我能開車的 34 年裡，有一次我買了一輛新車，當時我還在上大學。

It was a Hyundai Accel when they first came out.

那是現代雅克（Hyundai Accel）剛上市的時候。

It was super cheap.

超級便宜。

It didn't even have a radio.

它甚至沒有收音機。

Brand new.

全新。

We had to purchase the radio. $165 a month payment.

我們不得不購買收音機。每月支付 165 美元。

I was out of college.

我當時大學畢業。

I was working.

我在工作

And it was the last time I bought a new car because I realized that it just wasn't worth the money.

這也是我最後一次買新車，因為我意識到這不值得花錢。

Number five, lotto tickets.

五號，樂透彩票。

I know people who buy lotto tickets every single week, sometimes multiple times a week.

我認識一些人，他們每週都買樂透彩票，有時一週買多次。

It's their hobby.

這是他們的愛好。

But to me, what a gamble and a waste of money.

但對我來說，這是一場賭博，是在浪費金錢。

It's just not worth it.

這根本不值得。

In the same lines, also going to casinos.

同樣，也是去賭場。

I can't imagine dropping $100 or more into a machine hoping that maybe you might win it back.

我無法想象把 100 美元或更多的錢投入一臺機器，希望能贏回來。

It's just not my thing.

只是我不喜歡。

I'd rather take that $100 and go out to a nice dinner or buy a stack of books.

我寧願拿著這 100 美元去吃一頓豐盛的晚餐，或者買一摞書。

Number six, extended warranties.

第六，延長保修期。

Now the reason that I just don't normally purchase these extended warranties is because my husband is extremely talented.

現在，我之所以通常不購買這些延保服務，是因為我丈夫非常有才華。

I am pretty sure the man can fix or repair anything.

我敢肯定，他能修復任何東西。

So for us to spend an extra percentage on an extended warranty on, say, the dryer or the washer or vehicles really just doesn't work for us.

是以，我們花額外的錢為烘乾機、洗衣機或車輛購買延長保修，對我們來說是行不通的。

He's pretty much able to fix it.

他基本能解決這個問題。

Number seven, single serve pretty much anything.

第七，幾乎任何東西都可以單服。

This comes down to single serve soups, single serve snacks and single serve drinks.

這歸結為單份湯、單份點心和單份飲料。

It's expensive to purchase those single serves.

購買這些單份食品很貴。

We don't buy them on a regular basis.

我們不經常買。

We just don't buy them.

我們就是不買。

Now there have been times where we, for example, go on vacation or go camping and we need some snacks for the vehicle.

例如，有時我們去度假或露營，車上需要一些零食。

We may very well buy the single serves because they're just easier and they stay fresher longer.

我們很可能會買單份的，因為它們更方便，而且保鮮時間更長。

But on the daily, no single serve anything.

但在日常飲食中，沒有任何單份食物。

Number eight, special care clothes.

第八，特殊護理衣物。

Now I'm talking about the kind of clothes that need special care.

現在我說的是那種需要特別護理的衣服。

Dry cleaning, hand washing.

乾洗、手洗。

No, thank you.

不用了，謝謝。

It's too much maintenance for me.

這對我來說太麻煩了。

I'm a very low maintenance kind of gal.

我是個不愛保養的女孩。

And when something needs to be dry cleaned, that means I have to take it to the dry cleaner, drop it off, pay for it to get cleaned, then go back, pick it up and bring it home.

如果有東西需要乾洗，那就意味著我必須把它送到乾洗店，把它放下，付錢清洗，然後再回去取，帶回家。

And then you wear it another time and you have to do it all over again.

然後你再穿一次，又得重新來過。

It's just too much work.

這太費事了。

I'm not interested.

我沒興趣

Number nine, haircuts, spa days, mani pedis, hair coloring, all of those things that are many times considered self care.

第九，理髮、水療日、修指甲、染髮，所有這些很多時候都被認為是自我保健。

Those are things I just don't spend money on.

這些東西我就是不花錢。

Now, maybe once a year I'll go get my haircut.

現在，也許一年我會去剪一次頭髮。

I'm actually considering cutting it short for the summer, but I'm not sure.

實際上，我正在考慮在夏天剪短它，但我還不確定。

Most of the time I just trim my own and I'm OK with it.

大多數情況下，我都是自己修剪，這樣也沒什麼問題。

And I know that sometimes it's just nice to treat yourself and I totally get that.

我知道，有時候犒勞一下自己是件好事，我完全理解。

But to go and spend $40, $60, $80 every month, every six weeks to get all of those things done just doesn't interest me.

但每個月、每六週花 40、60 或 80 美元去做這些事情，我並不感興趣。

It's just too much money.

錢太多了

There are other things that I'd rather spend my money on.

我寧願把錢花在其他地方。

Number ten, new clothes.

第十，新衣服。

Rarely do I buy new clothes for myself.

我很少給自己買新衣服。

I would so much rather spend the money at a thrift shop getting higher quality clothes for lower prices than, say, go to Kohl's and buy brand new clothes.

比起去 Kohl's（科爾百貨）買全新的衣服，我更願意把錢花在舊貨店，用更低的價格買到品質更好的衣服。

Rarely do I do that anymore.

我已經很少這樣做了。

There was a time when I was spending a lot of money on brand new clothes at Kohl's and JCPenney.

曾經有一段時間，我在 Kohl's 和 JCPenney 花了很多錢買全新的衣服。

But honestly, once I discovered the really amazing thrift stores near my mom, gone are those days.

但老實說，當我發現媽媽附近的舊貨店真的很不錯時，那些日子就一去不復返了。

Gone are the days where I'm going to spend my money on new clothes.

我花錢買新衣服的日子一去不復返了。

I can actually get more clothes at the thrift store for the same budgeted amount as I could buy new clothes.

實際上，在舊衣回收店裡，我可以用買新衣服的預算買到更多的衣服。

To me, it's a much bigger win.

對我來說，這是一個更大的勝利。

Number eleven, plastic anything.

第 11 項，任何塑料製品。

Plastic containers, plastic wrap, plastic toys.

塑料容器、塑料包裝、塑料玩具。

Honestly, I don't buy the plastic containers and I don't buy plastic wrap.

老實說，我不買塑料容器，也不買保鮮膜。

I don't even own those.

我甚至都沒有這些東西。

For food storage, I rather store in glass.

對於食物儲存，我更喜歡用玻璃瓶。

Even sending food back and forth to my son's day program, I use glass or metal over and over and over again.

即使是給我兒子的日託班來回送食物，我也是一次又一次地使用玻璃或金屬。

I've had these same containers for a very long time and they still work beautifully.

這些容器我已經用了很久，現在依然非常好用。

Plastic wrap, I don't use it.

保鮮膜，我不用。

I would rather get the container lids that go with the glass containers that I have instead of wrapping something with plastic.

我寧願買與玻璃容器配套的容器蓋，而不是用塑料包裝。

If I need to wrap something that's different or odd, I'd rather use aluminum foil.

如果我需要包裝一些與眾不同或奇怪的東西，我寧願用鋁箔。

And the same goes for plastic toys.

塑料玩具也是如此。

We have two wonderfully gorgeous grandchildren and I would rather get them wooden toys than the plastic cheap throwaway type toys that are all over the internet.

我們有兩個可愛的孫子，我寧願給他們買木製玩具，也不願意買網上到處都是的廉價塑料玩具。

Good quality toys that they can play for and pass down from generation to generation or siblings to siblings.

品質好的玩具，他們可以玩，可以代代相傳，也可以兄弟姐妹相傳。

Even turn around and sell online for a better price than the cheap plastic toys.

甚至轉手就能在網上賣出比廉價塑料玩具更好的價格。

It is definitely my favorite way to spend money on my grandkids.

這絕對是我最喜歡的為孫輩花錢的方式。

Number 12, jewelry.

12 號珠寶

I'm a very low maintenance jewelry person.

我對珠寶的保養要求很低。

I have a couple pair of earrings.

我有一對耳環。

Normally you'll see my little gold hoops.

通常你會看到我的小金箍。

These are my little diamond earrings from QVC.

這是我從 QVC 買的小鑽石耳環。

I have my ring, my wedding ring that I wear.

我有我的戒指，我戴的結婚戒指。

I have a necklace.

我有一條項鍊。

I have two different necklaces.

我有兩條不同的項鍊。

This one I got from my friend Lisa for my 50th birthday.

這是我 50 歲生日時，朋友麗莎送給我的。

It's a little compass.

這是一個小指南針。

Isn't that super cute?

是不是超級可愛？

So I've been wearing that lately.

所以我最近一直穿著它。

And that's about it.

僅此而已。

That's all I have.

我只有這麼多。

I don't have any other jewelry.

我沒有其他珠寶。

I have a couple of necklaces that I like to wear when I go out to eat.

我有幾條項鍊，出去吃飯時喜歡戴著。

I may, who am I kidding, I never change my earrings.

我可能會，開什麼玩笑，我從來不換耳環。

I'll probably put the gold hoops back in that you see me wearing most of the time.

我可能會重新戴上你經常看到我戴的金箍。

I'll probably put those back in soon.

我可能很快就會把它們放回去。

But that's it.

但僅此而已。

That's all I like to wear.

我只喜歡穿這些。

I don't buy costume jewelry.

我不買服裝珠寶。

I love a couple of really good quality pieces and that's all I need.

我喜歡幾件真正的優質產品，這就是我所需要的。

Number 13, purses.

13 號，錢包。

There was a time in my life where I was really into designer purses.

曾經有一段時間，我非常喜歡名牌皮包。

Even if that means spending less by going to the outlet stores near me to get the designer Michael Kors or Coach or Kate Spade purses, I'm all done with that.

即使這意味著花更少的錢去附近的奧特萊斯買邁克爾-科爾斯（Michael Kors）、蔻馳（Coach）或凱特-斯派德（Kate Spade）的名牌皮包，我也不幹了。

I have a couple of nice purses that I can use if I want to go out.

我有幾個漂亮的皮包，出門時可以用。

But really, that's it.

但實際上，僅此而已。

The purse that I wear now is like a sling bag, like a little messenger bag that I paid $15 for on Amazon.

我現在戴的錢包就像一個吊袋，就像我在亞馬遜上花 15 美元買的一個小郵差包。

And it works great.

而且效果很好。

Oh, I have another cute little black mini backpack purse that I use often, especially when we go on vacation.

哦，我還有一個可愛的黑色迷你揹包，我經常用它，尤其是我們去度假的時候。

And that's it.

就是這樣。

Those are my purses.

這些是我的錢包。

I'm not into the entire pretty Coach Michael Kors handbags anymore.

我不再喜歡漂亮的 Coach Michael Kors 手袋了。

They're really heavy.

它們真的很重。

Number 14, cable.

14 號電纜

We haven't had cable in years.

我們已經很多年沒有使用有線電視了。

There's absolutely positively no reason to spend that amount of money on entertainment every evening.

絕對沒有理由每晚都花那麼多錢在娛樂上。

There are so many options for free or cheap ways to watch TV.

免費或廉價的電視觀看方式有很多。

You don't need to spend money on cable.

你不需要花錢買有線電視。

We will never go back to cable.

我們再也不會使用有線電視了。

Number 15, makeup or those subscription beauty boxes.

第 15 項，化妝品或那些訂閱的美容盒。

I am not a very makeup-y, girly girl.

我不是一個愛化妝、愛打扮的女孩。

I never have been.

我從來沒有過。

Well, there was a time when I was wearing more makeup, but now as I get older, very minimal makeup, little lipstick, little eyeliner.

有一段時間我化的妝比較多，但現在隨著年齡的增長，妝化得越來越少，很少塗口紅，很少畫眼線。

That's about it.

僅此而已。

That's all I got, little concealer because I'm a woman of a certain age.

這就是我的全部，一點遮瑕膏，因為我是個上了年紀的女人。

But really, that's just it.

但實際上，就是這樣。

There's no reason for me to spend hundreds of dollars on makeup anymore.

我沒有理由再花幾百美元買化妝品了。

I like who I am, and I'm okay with what I look like.

我喜歡我現在的樣子，我對自己的長相也沒意見。

And number 16, auto subscriptions.

第 16 項，自動訂閱。

Now, because we're Amazon Prime member, we're eligible for auto subscriptions.

現在，因為我們是亞馬遜 Prime 會員，所以有資格享受自動訂閱服務。

This means that every single month on a specific time of the month, they will auto send you whatever it is you might need.

這意味著，每個月的某個特定時間，他們會自動向您發送您可能需要的任何東西。

A lot of people do this with vitamins.

很多人在服用維生素時都會這樣做。

We were doing it for a while with my son's protein powder because every morning he has a protein powder at program to give him a little extra protein.

我們用我兒子的蛋白粉做了一段時間，因為每天早上他都會在課程中吃蛋白粉，給他補充一點額外的蛋白質。

So this was happening every month, and I found that there are just some days when we weren't using the protein powder so we'd end up with an overabundance of protein powder, and we weren't using it fast enough.

是以，這種情況每個月都會發生，我發現有些時候我們並沒有使用蛋白粉，所以最終會出現蛋白粉過量的情況，而且我們使用的速度也不夠快。

So stopping the auto subscription on that protein powder has actually saved us some money because we didn't need to purchase it for a good stretch at a time so we could use that up.

是以，停止自動訂購蛋白粉實際上為我們節省了一些錢，因為我們不需要每次都購買蛋白粉，這樣我們就可以把它用完。

Number 17, I don't buy decorations anymore.

第 17 條，我不再買裝飾品了。

I really like the way that our house looks.

我非常喜歡我們家的樣子。

I've got it decorated pretty nicely.

我已經把它裝飾得很漂亮了。

There may be a time in a few years down the road where my tastes have changed or the decorations that I have are just too dated and I'd like a nice update.

也許幾年後，我的品味會發生變化，或者我現有的裝飾太過時了，我想更新一下。

But for right now, I'm just not buying decorations for my home anymore.

但現在，我不會再為家裡買裝飾品了。

Minimalism is the better option for me.

對我來說，極簡主義是更好的選擇。

Number 18, alcohol.

18 號，酒精。

I don't drink.

我不喝酒。

I'm not a drinker, so rarely am I buying alcohol.

我不喝酒，所以很少買酒。

We may purchase it for a gift.

我們可以購買作為禮物。

We may purchase it if we run out of something in its summertime, but I don't buy alcohol.

如果夏天缺什麼，我們可能會買，但我不買酒。

Number 19, memberships.

第 19 項，會員資格。

Memberships to anything.

會員資格

Memberships to zoos or clubs or gyms.

動物園、俱樂部或健身房的會員資格。

Any of those things.

任何這些事情。

We don't have memberships.

我們沒有會員制。

We don't have any memberships whatsoever.

我們沒有任何會員資格。

We did for a short period of time have a membership to a camping site that could help you get into campsites when they've been booked.

我們曾在短時間內擁有一個露營地的會員資格，當露營地被預訂時，它可以幫助你進入露營地。

It kind of is an AI, artificial intelligence type thing, that will scan the website of the campsite for you.

它是一種 AI（人工智能）類型的東西，會為你掃描露營地的網站。

So if a cancellation happens, it books it automatically.

是以，如果發生取消預訂的情況，它就會自動進行預訂。

But that was a very short-term membership for a specific time period for travel, and we've canceled that.

但這是一個非常短期的會員資格，在特定時間段內旅行，我們已經取消了。

We won't get that again unless we start traveling again next winter.

除非明年冬天我們又開始旅行，否則就不會再有這樣的機會了。

It's a possibility, but for the most part, I don't buy memberships.

這是有可能的，但在大多數情況下，我不會購買會員卡。

And 20, oil changes.

20，換機油。

We don't buy oil changes.

我們不換機油。

My husband, as I mentioned, is very smart and very talented and completely capable of changing our oil in our vehicles.

正如我提到的，我的丈夫非常聰明、非常有才華，完全有能力為我們的汽車更換機油。

This actually goes for many other things when it comes to car care.

實際上，在汽車保養方面，很多其他方面也是如此。

Brakes.

制動器

My husband changes the brakes.

我丈夫負責換剎車。

If anything needs to be fixed, my husband more than likely will know how to fix that too.

如果有什麼需要修理的，我丈夫很可能也知道如何修理。

It's kind of a hobby of his.