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3. Ditch the ATM card
丟掉銀行卡
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.
我們不可避免地會沖動購物，比如在超市排隊結賬時會買一盒口香糖，或是在唱片店買一張范·海倫樂隊新出的CD。你怎么做才能守住你銀行里的錢而不是鋪張消費呢？跟老前輩學一學，丟掉銀行卡。你要算出每個月滿足正常生活需要所花的現金數目（像在自助餐廳吃的午飯，你每天要喝的咖啡），接著徑直走到銀行柜臺，取出你這一星期所需要的零花錢。因為金額有限，在你想沖動購物時，你就會開始再三考慮了。
