Question

帮忙翻译一下，谢谢

15. Consider Alternatives to a Gym Membership

The health benefits of a fitness club membership are only worthwhile if you go often. But there are other options: Exercise at home, outside, or at a local parks facility. Or, sign up for individual exercise or yoga classes rather than a full membership.

16. Cut Your Own Lawn

Michelle Goldstein of Goldstein Financial Future in Dallas estimates her family saves $40 each time they mow their own lawn instead of calling a lawn service.

17. Be Smart with Credit Cards

Financial advisors admonish clients to pay off their bills each month to avoid interest and finance charges. For those stuck with debt, move cash to cards with low interest rates. Some find they spend less on impulse purchases if they cut up their credit cards and use only cash instead.

18. Annualize Your Expenses

When reviewing your spending habits, roughly calculate how much they're costing over the course of a year. "Realizing how much things cost over the course of a year can really help put things in perspective," says Bob Nusbaum of Middle America Planning in Pittsburgh. For example, if you spend $10 for snacks and lunch each weekday, that adds up to $2,500 in a year.

Answer 1

15. Consider Alternatives to a Gym Membership
入健身俱乐部会员前考虑其它可选方案
The health benefits of a fitness club membership are only worthwhile if you go often. But there are other options: Exercise at home, outside, or at a local parks facility. Or, sign up for individual exercise or yoga classes rather than a full membership.
只有在你能够经常去健身时，才应该考虑成为一名健身俱乐部的会员。其实你可以做如下选择：在家或室外锻炼，或者利用社区健身器械；另外，与成为一名全方位的会员相比，学习某一单项的课程如瑜珈更为适合。
16. Cut Your Own Lawn
自己修剪草坪
Michelle Goldstein of Goldstein Financial Future in Dallas estimates her family saves $40 each time they mow their own lawn instead of calling a lawn service.
据达拉斯的Goldstein Financial Future的Michelle Goldstein估计，一个家庭如果自己修剪草坪而不是利用专门的服务机构进行修剪每次可节省40美元。
17. Be Smart with Credit Cards
理智使用信用卡
Financial advisors admonish clients to pay off their bills each month to avoid interest and finance charges. For those stuck with debt, move cash to cards with low interest rates. Some find they spend less on impulse purchases if they cut up their credit cards and use only cash instead.
理财专家劝告客户，每个月按期还款，避免发生利息或其它费用。对于长期产生债务，可利用利息较少的现金存入卡中。 有人发现如果他们只使用现金而不用信用卡，可大大减少他们的冲动消费。
18. Annualize Your Expenses
每年计算你的支出

When reviewing your spending habits, roughly calculate how much they're costing over the course of a year. "Realizing how much things cost over the course of a year can really help put things in perspective," says Bob Nusbaum of Middle America Planning in Pittsburgh. For example, if you spend $10 for snacks and lunch each weekday, that adds up to $2,500 in a year.
当你回顾你的那些消费习惯时，粗略地计算在过去的一年你的全部花销。“认识到一年中你的所有支出能做到今后有预算的花销。”中美计划公司的Bob Nusbaum说。例如，如果你每周花10美元在小吃和午餐上，一年加起来就能达到2500美元。

Answer 2

15 。考虑替代健身房成员

健康的好处，一个健身俱乐部会员卡只值得如果你到经常。但除此以外，还有其他选项：行使在家里，外面，或在当地的公园设施。或者，注册为个别行使或瑜珈课程，而不是一个正式成员。

16 。削减自己的草坪

米歇尔戈尔茨坦的戈尔茨坦金融未来在达拉斯估计，她的家人可以节省40元，每一次他们mow自己的草坪上而不是要求草坪的服务。

17 。智能信用卡

财务顾问告诫客户支付他们的帐单每个月，以避免利息及财务费用。对于那些坚持与债务，移动现金卡与低利率。一些找到他们花费更少的一时冲动购买，如果他们削减了他们的信用卡和使用现金，而是只。

18 。 annualize你的开支

检讨时，您的消费习惯，大致计算出有多少他们的成本超过的过程中1年。 “实现了多少东西，成本的过程中，每年能真正帮助把事情的角度看，说： ”鲍勃nusbaum中，美国规划在匹兹堡。例如，如果您花10元，午餐及小食的每个工作日，即添加到$ 2500在一年内。

Answer 3

问题这么复杂,悬赏分这么低，谁会帮你？
So complicated of the question,so poor of the reward point,who's gonna give a hand?