不想要的"礼物"

字幕原文

Kim loves the holidays, and loves giving gifts. 金姆喜欢假期，也喜欢送礼物。

But last year, she got an unwelcome "gift" of her own — from her bank. 但去年，她却收到了一个来自银行的“不速之礼”。

She overspent, and three times her account dipped below zero. 她花钱超支了，有三次她的账户余额低于零。

Each time, the bank charged her an overdraft fee of thirty-five dollars. 每次，银行都向她收取了三十五美元的透支费。

An overdraft happens when you spend more than you actually have in your 透支是指当你花费的金额超过你账户里实际拥有的钱时。

account — with a check, a card, an ATM, 账户——无论是用支票、银行卡、自动取款机，

or an automatic payment. 还是自动付款。

The bank may cover it 银行可能会垫付，

and charge you a fee, 并向你收取费用，

or bounce it and charge you a different fee. 或者拒绝支付并收取另一笔费用。

Either way, it costs you. 无论哪种方式，你都要为此付出代价。

So this year, Kim changed her habits. 所以今年，金姆改变了她的习惯。

She writes down every payment 她记下每一笔支出，

as she makes it, 每次付款时都记下，

checks her balance often on her phone, 经常用手机查看余额，

and reviews her statement each month. 并每月查看账单。

Now she always knows exactly how much is really there. 现在她总是清楚地知道账户里到底有多少钱。

The best gifts she will give this season are the ones she carefully chose. 这个假期她将送出的最好礼物，是那些她精心挑选的。

But the "gift" she is proudest of 但她最引以为傲的“礼物”，

is the one she is no longer giving — 却是她不再送出的——

to her bank. 给银行的。