如果你能够将刷卡消费的习惯改成现金消费将是很好的开始。
It 's a good start if you switch from paying for merchandise and services with a debit or credit card to paying with cash.
尽量用现金消费，把信用卡放在家里，因为信用卡消费起来没有概念。
Use cash as much as you can. Leave the credit CARDS at home as they tend to lull you into a fantasy world.
然而，尽管现金消费很盛行，手机也正开始改变保守的日本人传统的消费习惯。
Yet despite the popularity of cash, the mobile phone is starting to change even Japan's traditional habits.
为了便于现金消费，你需要将美元，英镑或是其它货币兑换成五颜六色的瑞典货币。
You will need to exchange your dollars, pounds, or other currency for the colorful monies of Sweden in order to have cash to spend.
与此同时，前文中提到的郑涛已经恢复了老样子——用现金消费。如今，他花钱变得比以前更加理性了。
Meanwhile, the cardless Zheng is getting back to the old way of doing things with cash and now finds his spending becoming more rational.
在针于多项健康风险的保险与现金消费进行的研究后，该报告指出美国人民总体上保险过度而储蓄不足。
Having examined insurance and out-of-pocket spending for several health risks, it concludes that Americans are generally "over-insured and under-saved".
但现在预测每位男游客会增加游览行程(女球迷可能会减少)，在南非停留更长时间，增加三分之一的现金消费。
But each visitor is now expected to make more of his (or less often her) trip, staying a bit longer and shelling out a third more cash.
第二，使用现金付款比用信用卡付款给人心理上造成的痛苦更多，因此用现金消费引发的痛苦会抑制大家购买垃圾食品的冲动性。
Second, cash payments are psychologically more painful than card payments, and this pain of payment can curb the impulsive responses to buy unhealthy food items.
威萨公司认为，一笔无须经手的数码交易比一笔现金交易节省一半时间，并且因为手机消费的便利性促使电子消费用户比现金消费用户还要多1/5的消费量。
Visa thinks a contactless digital transaction takes less than half the time of a cash one and that people liberated from what happens to be in their wallets spend a fifth more.
她决定尝试在两周内只用现金来进行所有必需的采购，看看这会对她的消费产生什么影响。
She decided that she was going to try to just use cash for two weeks to make all of her essential purchases and see what that would do to her spending.
面向消费者的网络直销公司看上去尤为脆弱，它们其中有19%的公司价值现在不比其资产负债表上的现金额多多少。
B2C companies look particularly vulnerable with 19 per cent of them now worth little more than the cash on their balance sheets.
现在消费者只需在移动设备上的支付宝应用程序中输入一个简短的密码就可以支付商品，而不是用现金支付。
Instead of paying by cash, customers now pay for goods simply by typing a short password into Alipay app on their mobile devices.
这种说法几乎肯定是不真实的：强烈的证据表明，企业坐拥现金的真正原因是缺乏消费需求。
That's almost surely false: the evidence strongly says that the real reason businesses are sitting on cash is lack of consumer demand.
人们面对不确定性时会更多地储蓄，但他们的消费变得对当前的现金流更加敏感。
People save more in response to uncertainty, but their spending becomes more sensitive to current cash flow.
比如，费罗建议带现金而不是卡去消费就是一种对许多人有效的预算工具。
For instance, Taliaferro suggested carrying cash to shrink spending, which is an effective budgeting tool for many people.
信用卡并不仅仅是过度消费的号角，还是对现金短缺的情形买下的一种保险。
Credit CARDS are not just a call to excess, but also a form of insurance against shortfalls in cash.
因为不是很多人都有一个银行账户或能轻易获得贷款。‘随心’消费应该以现金为准——如果你没有那么多现钱，就不要消费。
Because not many people had a bank account or easy access to credit, 'mood' spending had to be in cash - so if you didn't have the cash, you couldn't spend it.
例如，日本和韩国希望通过减税和发放现金来增加民众的收入，鼓励消费。
For example, tax cuts and cash handouts like those proposed in Japan and South Korea are meant to boost incomes and encourage consumer spending.
换言之，从现金流的角度看，巴西消费者的债务负担是美国消费者的两倍，而后者还被普遍视为在过度举债。
In other words, the Brazilian consumer has twice the debt load from a cash flow perspective than a US consumer who is still widely regarded as being over-leveraged.
由于公司为未来的支出、低现金流和消费持续下降而担忧，其可能迅速开除雇员而不给与任何补助。
Firms worried about future sales, low on cash and deprived of credit, may too readily fire workers without a subsidy.
正如个人携带现金是为了支付杂项消费，银行持有储备也可以应付现金提取，支票兑付以及银行转帐。
Just as individuals carry cash to cover incidental spending, Banks hold reserves to cover cash withdrawals, cheque payments and bank transfers.
附属卡持卡人须在发卡后首月内签账消费最少一次（包括现金透支），方可豁免首年年费。
To be eligible for the first year fee waiver， the additional cardholder must make at least one transaction （including cash advance） within the first month of opening the card account.
对下一代工业没有游说群体，而仅有现在消费现金的公司。
There are no lobbying groups for the next generation of industries, only for those companies that are here now with cash to spend.
要规范电子支付管理，确保商店里的不再有“我处信用卡机出现故障”这样的事，保证消费者能够取得现金。
Make electronic payment the norm.No more my-credit-card-machine-is-on-the-blink routines in shops so they can get cash.
零售商抱怨这项费用增加了他们的成本，而这成本会转嫁到消费者身上——即便是那些选择现金支付的消费者。
Retailers grumble that the charges inflate their costs, which they are forced to pass on to consumers-even those who choose to pay by cash.
十年前，美国消费者购买的东西71%都采用现金或者支票支付。
Ten years ago, American consumers paid cash or cheques for 71% of their purchases.
现在看来，当企业和消费者获得现金余额时，他们用这些钱来偿还债务，而不是用于消费。
It now appears that when companies and consumers acquire cash balances they use them to pay down debt rather than to support spending.
无所不在的松脆的、金色的面包条的价格似乎概括了生活费用上升和消费者口袋里现金短缺的现象。
The price of the omnipresent crisp, golden loaf seemed to epitomize the rising cost of living and the shortage of cash in consumers' pockets.
首先是现金，然后信用卡，而现在，所有消费者需要的是一部智能手机。
First there was cash...... then credit...... and now, all consumers will need is a smart phone.
首先是现金，然后信用卡，而现在，所有消费者需要的是一部智能手机。
First there was cash...... then credit...... and now, all consumers will need is a smart phone.
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