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  3. When it comes to personal finance, we are all looking for ways to save more money. Our household budgets are filled with both bi

When it comes to personal finance, we are all looking for ways to save more money. Our household budgets are filled with both bi

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问题     When it comes to personal finance, we are all looking for ways to save more money. Our household budgets are filled with both big and small expenses that we imagine can be cut out to save loads of cash or, at the very least, spent better elsewhere. One of the things you have surely considered is using public transportation rather than your own vehicle. It would be easy to assume that public transportation is cheaper, because bus fare is far less expensive than gas, but those are not the only costs to consider. Take a step back to your high school economics class and try to remember the lesson about opportunity costs. These, as you might recall if you were awake for that class, are the things you give up when you choose one option over other options. Although they are not measured in dollars and cents, they still have to be considered whenever you make a financial decision.
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答案 谈到个人理财，我们都在寻求更能省钱的方法。我们的家用预算充满了大大小小的花费，我们指望着削减这些花费，由此节省大量的现金，或者至少花在更有用的地方。你理当会想到的一件事就是乘坐公交系统，而不是开自家车。我们很容易认为乘公交车更划算，因为公交车费比油价便宜多了，但这不是唯一要考虑的费用。回顾一下你高中的经济学课，努力回想那些关于机会成本的课程。如果你课上没打瞌睡，那么你就可以回忆起来，这些是当你做出选择而所放弃的东西。尽管这些不能用金钱来衡量，但每当你做出财务决策时，你仍然要考虑它们。
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