You’ve graduated college and are ready to start your life as an independent adult. But let’s face it: Living on your own is expensive, and the costs can add up fast. And even if you score a job right away, your entry-level salary and lack of significant savings might make it hard to keep up.
你已經(jīng)大學(xué)畢業(yè)了，也準(zhǔn)備以獨(dú)立的成年人身份開始自己的人生了。但是請(qǐng)注意一個(gè)事實(shí)：獨(dú)自生活是非常費(fèi)錢的，并且各種費(fèi)用還會(huì)快速增長。即使你很快就找到了工作，但是你的起步工資那么少，又沒有一定的存款，就很難維持生計(jì)。

One solution: You could always move back in with your folks. It might not seem appealing to a newly minted adult eager for independence, but living with your parents can be one of the best money decisions you make.
解決方法：你隨時(shí)都可以搬回家住。雖然這并不怎么吸引一位渴求獨(dú)立的年輕人，但是與父母同住可以算是一個(gè)很不錯(cuò)的節(jié)省金錢的方法。

Amanda Abella graduated in 2010 and lived with her parents for seven years, only recently moving out on her own.
Amanda Abella在2010年畢業(yè)，已經(jīng)與父母同住7年了，直到最近她才搬出去自己住。

“From a financial perspective, I wouldn't have been able to do most of what I've done if I hadn't lived with them for a while,” she says. “I graduated in 2010, which was an economic nightmare. Fortunately, I could stay home.”
“從經(jīng)濟(jì)的角度來說，如果我之前不跟父母一起住的話，我可能就辦不了如今我完成了的事情?！彼硎??！拔沂?010年畢業(yè)的，那時(shí)是我的經(jīng)濟(jì)最拮據(jù)的時(shí)候。幸虧當(dāng)時(shí)我能搬回家住。”

Abella has been able to save and invest, start a business and take risks — things that she admits she would not be able to do if she was on her own and paying all her bills from Day One. While you may not plan to live with your parents for seven years, here’s why spending at least some time living with your parents is one of the best money decisions you can make.
Abella如今已經(jīng)具備儲(chǔ)蓄和投資的能力了，她還能創(chuàng)業(yè)和冒險(xiǎn)——她承認(rèn)，如果她獨(dú)自生活，從一開始就支付各種賬單，這些事情都是無法辦到的。雖然你可能并不會(huì)計(jì)劃與父母一起生活長達(dá)7年，不過下面為你解釋為什么至少花點(diǎn)時(shí)間與父母一起生活會(huì)是一個(gè)最好的省錢方法。

1. You Can Jumpstart Your Savings
1. 你可以迅速開始存錢

The most obvious benefit of living with your parents is being able to save a ton of money. This is especially true if you’re in a city with a high cost of living.
與父母共同生活的最明顯好處就是你可以存起數(shù)量相當(dāng)大的一部分金錢。如果你在高生活消費(fèi)的城市里生活的話，這一點(diǎn)是非常真實(shí)的。

You can save money by not paying:
你可以存起本來花在這些方面上的金錢：

Rent/mortgage
房租/房貸

Utilities — gas, electricity, internet
公共設(shè)施——燃?xì)?，電力，網(wǎng)絡(luò)

Renters or mortgage insurance
承租人或房貸保險(xiǎn)

Abella says that living with her parents helped her save in the first place. “I wasn't making nearly enough money at my last job to survive in a city like Miami,” she says. Saving is a big problem in America, with most people being unable to afford a $400 emergency.
Abella表示，與父母一起生活從一開始就幫她節(jié)省了不少錢?！拔业纳弦环莨ぷ鳟?dāng)時(shí)并不能賺取足夠的錢支撐我在邁亞密的生活，”她表示。省錢是美國人面臨的一個(gè)大問題，許多人都無法支付400美金的緊急救援保險(xiǎn)。

Living at home can help you start saving money so you can build up an emergency fund and lay down a strong foundation with which to sustainably support yourself in the future.
在家居住可以幫助你養(yǎng)成存錢的習(xí)慣，這樣你就可以建立起緊急救援基金，然后打下堅(jiān)實(shí)的基礎(chǔ)，以便支撐你未來的生活。

2. You Can Start Investing Early
2. 你可以早早開始你的投資

When it comes to investing, time is your best friend. The problem is many recent grads simply can’t afford to get started with investing, especially if they’re shackled with debt. Living at home with your parents frees up rent money — typically your biggest expense — so you can get started investing for your future.
當(dāng)談到投資這一件事情，時(shí)機(jī)是最重要的。問題在于許多應(yīng)屆畢業(yè)生真的無法支付初始投資的費(fèi)用，特別是如果他們有債務(wù)在身的時(shí)候。與家人同住就可以免去房租的費(fèi)用了——通常也是你最大的花費(fèi)——所以你就可以開始為未來投資了。

3. You Can Spend Less on Food
3. 你可以節(jié)省食物上的花費(fèi)

It’s not hard to blow your budget on food, especially if you don’t have experience grocery shopping and cooking affordable meals. It’s likely you’ll be sharing some meals with your folks — and maybe even getting a home-cooked meal instead of greasy takeout. Plus, it’s a good opportunity to get a crash-course on cooking for yourself so you can eat on a budget when you move out.
節(jié)省食物方面的花費(fèi)并不難，特別適用于沒有到雜貨店購物并烹煮食物經(jīng)驗(yàn)的你。你可以與家人一起分享食物，甚至還可以吃上一頓家常菜而不是油膩膩的外賣餐。再者，這是一個(gè)參與烹飪速成課程的好機(jī)會(huì)，當(dāng)你搬出外面居住的時(shí)候你也可以在預(yù)算范圍內(nèi)吃飯。

4. You Can Afford to Take Chances and Be Picky
4. 你負(fù)擔(dān)得起冒險(xiǎn)與精挑細(xì)選的風(fēng)險(xiǎn)

Living with your parents has clear monetary advantages. But one perk you might not realize is that living with your parents affords you the privilege to take chances and be picky.
與父母同住能讓你有顯而易見的經(jīng)濟(jì)好處。不過有一個(gè)好處你可能沒有注意到，就是與父母同住可以讓你有冒險(xiǎn)和挑選工作的特權(quán)。

Keeping your costs under control means you don’t have to take just any job, or move into a less-than-ideal place because that’s all you can afford.
控制花費(fèi)的成本意味著你不必隨便去干某一個(gè)職業(yè)，或者搬進(jìn)一個(gè)僅僅能付得起房租、但不理想的居住空間。

You can also be more aggressive with investing and take chances on starting a business.
你還可以更加積極進(jìn)取去投資，然后抓住機(jī)會(huì)創(chuàng)業(yè)。

Abella recently moved out, but was grateful to do it at the right time for the right place. “Living with my parents allowed me to be more picky, because there was no rush,” she explains. Living at home means having a safety net to try new things.
Abella最近已經(jīng)從家里搬出去了，但是她很感恩曾經(jīng)在合適的時(shí)機(jī)做了正確的事情?！昂透改敢黄鹱∽屛矣刑暨x工作的權(quán)利，因?yàn)槲腋静恍枰??！彼忉尩?。在家居住意味著你有一個(gè)安全網(wǎng)保護(hù)著你去嘗試新事物。

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