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Todd: So, Anita, we're talking about money. When you go shopping, do you prefer to pay by cash or credit card?
托德：安妮塔，我们来谈谈钱。你购物的时候，是喜欢付现金还是用信用卡支付？
Anita: You know, there are times when I prefer paying by credit card because it makes me feel better because at the end of the day, I don't feel like I spent that money.
安妮塔：我有时候喜欢用信用卡支付，因为这让我感觉好像没有花钱一样。
Todd: Right, right.
托德：对，没错。
Anita: Because if I pay by cash, that money is gone out of your wallet, and you really feel it missing, so there are times when I prefer credit cards. There are times when I prefer cash, but if you look at it in the long run, I prefer cash because you know exactly what your financial situation is. You don't have to worry about getting a credit card bill at the end of the month, and not being able to pay it, so I would say I prefer cash.
安妮塔：如果我用现金付款，那就要从钱包里拿钱支付，这样我会感觉钱没了，所以有时我喜欢用信用卡支付。不过我也有喜欢用现金付款的时候，从长远来看的话，我更喜欢用现金支付，因为这样能明确知道自己的财政状况。不用到月底的时候担心信用卡账单，或者没钱付这些账单，所以我更喜欢用现金支付。
Todd: You know, I used to think exactly like you do, but I changed because I found that when I was using cash, I couldn't keep track of how I was spending my money. I really had no record. I couldn't keep the receipts. I would lose the receipts, so a friend of mine said you should do everything on credit card or debit card and then it's on the computer. You can check, and then you could buy software and you can keep track of your finances and I did it and it works. It's really good, like I'm more careful with my money because I know exactly what I am spending on and I can check it.
托德：我以前和你的想法一样，不过后来我改变了想法，因为我发现用现金付款的话，我无法记录支出信息。我没有记录。因为我无法一直保留收据。这些收据可能会丢失，所以我的一个朋友建议我用信用卡或借记卡付款，这样就可以用电脑记录支出情况。可以购买软件，然后记录财政情况，我试了一下的确有效。这种方法很好，这样一来我在花钱时会更谨慎，因为我清楚地知道我在哪些地方花了钱，我可以查到。
Anita: That's true. That's true, and I do something similar except I don't have computer software for it but I have a little cash book where I write my expenses.
安妮塔：没错，说的对，我也做过类似的事情，不过并没有购买软件，而是在现金簿上记录支出情况。
Todd: You mean writing, actual work.
托德：你是说手写吗？
Anita: I.. yes actual work: pen and paper, but for me that works better because if I use my credit card unlike you, I lose track of my spending. I forget when I use the credit card, when I didn't use it and it's much easier for me to buy things with a credit card. If you have cash in your wallet and the cash is not enough to buy whatever you want, you know that you cannot afford it, but with a credit card, that is not there so sometimes you tend to overspend and buy things you don't actually need.
安妮塔：对，用钢笔和纸，我认为这样更好，因为如果我像你一样用信用卡的话，我可能会搞不清楚我的支出情况。因为我可能会忘记是什么时候用了信用卡，什么时候没有用，对我来说用信用卡买东西更容易。如果买东西的时候钱包里的现金不够，那就买不了想买的东西，可是用信用卡就不会有这种情况，不过会导致过度开支，买一些不需要的东西。
Todd: True, that is a good point. I guess the key thing is to be careful.
托德：没错，这个观点不错。我认为最关键的是要注意。
Anita: And responsible.
安妮塔：还有负责。
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