拯救月光族
Ellie and Mark are flatmates. Ellie is looking at her account statement.
艾麗和馬克是室友。艾麗在查看她的帳戶月結單。
Ellie: Oh my. My payday is 10 days away, but I’ve almost spent all of my salary.
艾麗：我的天啊，離發薪日還有十天，但我幾乎快把薪水花光了。
overspend(v.)超支spendthrift 敗家子、月光族live paycheck to paycheck
Mark: You do realize that with spending habits like this, you’re not going to squirrel any extra dollars away.
馬克：妳知道像妳這樣的消費習慣根本存不到錢吧。
squirrel sth. away 將～儲存起來save up for sth. 存錢買某物
Ellie: I know. But how could I not get these boots?
艾麗：我知道啊，但我怎能不買下這雙靴子呢？
Mark: You’re beyond help. Maybe you should get yourself an automatic savings plan.
馬克：妳真是無藥可救。也許妳該申辦自動儲蓄方案。
Ellie: What is it?
艾麗：那是什麼？
Mark: It’s a type of personal savings service that allows a fixed amount of funds to be deposited automatically into an account at specified intervals. It’s up to you to decide how much money you want to transfer and when you want it to be deposited — whether it’s on a schedule or on a daily basis.
馬克：自動儲蓄方案是種個人儲蓄服務，可以在指定時間內自動將一筆固定金額匯入帳戶。妳可以自己決定匯款金額，以及何時匯款，看妳是要定期還是每天匯款。
deposit(n.)(v.)存款interval(n.)間隔、間距on a monthly basis 每月on a regular basis 定期
Ellie: That sounds convenient.
艾麗：聽起來真方便。
Mark: It doesn’t just help you build up your savings, but also helps you with budgeting and managing your money, as you can’t spend the money that has been transferred into a separate account.
馬克：這個方案不僅有助於持續存款，也可以幫妳控制預算及管理金錢，因為妳不能動用已經轉到另一個帳戶裡的那筆錢。
budget(n.)預算(v.)編製預算separate(adj.)分開的、不同的
Ellie: That’s exactly what I need.
艾麗：這正是我需要的。
Mark: Also, you can have it linked to your salary account and have a portion of your paycheck set aside for savings.
馬克：此外，妳也可以綁定薪轉帳戶，並將一部分的薪水撥出來儲蓄。
portion(n.)一部分、一份set (put) aside 撥出～、保留～