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Top 10 Ways to Trick Yourself into Saving Money #
5. Always bank your savings and discounts.
It feels like free money when you hit an unexpected sale, discover a little-known rebate, or simply use a valuable coupon. Why not turn that free money into even more free money? As the Digerati Life blog points out, it's money that's easy to set aside, since you didn't expect to have it, and it doesn't require any budget reviews. It also protects that little boost from disappearing into another full-price purchase while you're out shopping (Original post).
4. Use a high-interest online account to motivate yourself.
To paraphrase Gordon Gekko, greed, for lack of a better word, is a great motivator to get things done. If you're putting money away into a higher-interest, online-only savings account, find out where it tells you how much interest you've earned for the year and keep it in front of your eyes. Doing so is a great motivation to stash more cash in there—think of it as a kind of progress bar until your next financial Level Up.
3. Let Firefox find your deals for you.
If you've got money to spend, you can stretch it pretty far by knowing (or just stumbling across) some great online deals. Like most savings tools, however, you have to go out of your way to take the time and remember to grab those deals. Luckily, the Firefox browser and a few extensions make it hard not to find coupons, rebates, and killer deals. RetailMeNot automatically pops in to let you know when a site you're at has freebies and discounts available, while PriceDrop adds buttons to Amazon.com's item pages to help you get notifications when prices go down. If you're more prone to random browsing for killer discounts, the Woot Watcher helps you get the jump on those ridiculous deals on random items at Woot!. Make it hard for yourself to pay full price, and bank the savings however you choose. (Original posts: RetailMeNot, PriceDrop, Woot Watcher).
2. Defer dumb purchases with a "Crap I Just Don't Need" list.
This isn't so much self-trickery as self-realization, but it's a great way to see how fleeting and utterly unnecessary most of our Must. Have. Now. urges are. Every time you feel the need to buy something that's not a real necessity, write it down on a list (pocket notebook, PDA, wiki, or wherever). Eventually, you'll start noticing how long the list is, and how well you've gotten along without any of it. Bonus: Making a pseudo-wish list of your consumerist desires can help you get them out of your system. This aversion therapy hack comes from Merlin Mann, who notes that it doesn't cost a thing to try out. Photo by .Gladius.
1. Set up an Automatic Savings Plan for set-it-and-forget-it saving.
top10_automated.jpgAs shown above, you can play all kinds of mental games with yourself to keep your worst impulses away from your money, but the real meta-hack is to have the right amount of money earned moved auto-magically into a savings account, or a "buffer" account for unexpected costs, or investments—anywhere but your walking-around stash. Gina's walked us through automating your finances in thorough fashion, and The Simple Dollar has also posted a front-to-back demonstration using ING Direct. If you're not using a bank that offers easy tools for automation, you might want to rethink where you keep your money. (Original post.)
Everyone's mind works a little differently, of course, so our crafty commenters will probably have a few mental overrides of their own to cut useless spending and shuttle away more savings. Let's hear about them—how do you keep your money away from your irresponsible alter-ego? What tech or real-world tools do you use to keep your money in its place? Let's hear about it all in the comments.
省钱 10 招儿鲜！（下）
5. Shopping省了多少钱，就存多少钱
本来200块钱的裙子，现在打九折，你180就买到了，那剩下的20块钱怎么花，来杯拿铁吧！哈哈！而我郑重地建议你，把这20块钱存到银行里。正如博客 “Digerati Life”所说的，你应该存下这20块钱，反正本来你也没有期待这笔“横财”。
4．选择一个高利率的网上银行来激励储蓄
想想贪婪的Gordon Gekko （Note 1）,你就是明白这条建议了，Money从来不睡觉！当你把钱存到一个高利率的账户中，在脑海中盘算一下未来能够赚取的利息吧。这是一种很好的储蓄激励，你甚至可以把它想象成一个进度条，目标是你未来能达到的更高的财务级别！
3. 有困难？找Firefox!
如果你非要花钱买东西不可，干嘛不找些好买卖？如同现在很多的省钱工具一样，你也一定有很多找便宜买卖的办法。Firefox的很多扩展就提供这种功能，它们可以帮你找到优惠券，打折卡，甚至跳楼大甩卖！ RetailMeNot会自动弹出窗口告诉你哪里有免费赠品和打折商品。PriceDrop会帮助你了解亚马逊的哪些书现在降价了。如果你还嫌便宜占的不够，Woot Watcher会告诉你哪里有难以置信的跳楼大甩卖。怎么样，想不省钱都难了吧？（Note 2）
2. 为那些不必要的商品维护一张“我不需要它们”列表
自我实现往往是成功的自我哄骗。你会发现所谓的“我现在非买不可的东西”多数其实是不必要的。每次你意识到某样东西不是必需的，你就把它记在一张表上，用笔记本，PDA，个人维基等任何方便的工具。很快你会发现，这张“我不需要它们”列表有多长，同时你也会发现离开这些东西，你照样过日子。
另外，把你内心深处的购物欲望彻底地列在一张纸上也能够帮助你不再受它们的支配。这一妙招儿来自Merlin Mann的43folders.
1. 建立一个自动储蓄计划
综上所述，你会发现你有的是办法来对抗自己的消费冲动，而最重要的还是如何把这些省下来的钱真正存起来，而不是悄悄花掉它们。关于这个部分，Gina的妙文automating your finances（Note3）讲的很全。博客“The Simple Dollar”也有一篇博文讲过如何使用ING Direct（Note 4）。如果你的银行不提供这些小工具，你要重新考虑一下在哪里开帐户储蓄了。
每个人的思维方式不尽相同，我相信，聪明的读者们会有很多不同的办法来开源节流。所以，请留下你的评论，告诉我们，你是怎么对抗自己的消费冲动，从而存下更多钱？
Note 1: Gordon Gekko，电影《华尔街》中的人物，他的名言就是钱从来不睡觉。译者看过这一老片，值得推荐。
Note 2：这里说到的多数是国外的网站。译者认为，国内的朋友们可以考虑淘宝，易趣，当当，卓越等。
Note 3：http://lifehacker.com/software/money/geek-to-live--automate-your-finances-177228.php
Note 4：http://www.thesimpledollar.com/2008/06/12/how-to-budget-using-ing-direct-or-another-full-service-online-bank/
