鲅鱼水饺 一千零一夜:大学生必知六条金钱法则
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大学生必知六条金钱法则
(2011-10-09 13:44:26)
1. Spend less than you earn. OK, this is almost the only lesson you need, but it's so important I'm going to break it down further. The biggest reason people get into financial problems is they spend money they don't really have. Then you end up in the hole, and it's hard to get out of the hole, and you work crazy hours to keep up with your spending, and you end up with a life that's about nothing but trying to pay for all the spending on crap you don't really need.
So spend less, work less, worry less, be happier.
所以少花一点,少工作一点,让自己更快乐一点。
2. Don't get into debt. If you spend less than you earn, you won't be in debt, obviously. It's easy, though, to get a student credit card and put things on there if you don't have the money right now. You can pay for it next week when you get your check, right? That's a slippery slope. Student loans are another tool for getting over your head in debt. They're not the worst debt if you're paying for a degree that's going to earn a lot of money, but most of us English majors aren't going to get an $80K per year job and shouldn't take out $80K in student loans.
3. Savings is your first bill to pay. If you spend less than you earn, save the rest. Make the savings an automatic payment that happens every payday, and make it the first and most important bill you pay. Not optional. You'll be glad as the savings grows, and especially when emergencies come up.
5. Make a very very simple budget. It's a scary thing for people who've never done a budget, but it's not hard. List your income, then list your bills (and savings). If the bills add up to more than the income, eliminate some bills. Use a simple spreadsheet to do the adding for you. This helps you to know what's coming in and going out. I like the envelope system for making sure I don't spend too much on variable expenses.
6. Pay bills right away. If you
That's all you need to know. If you save when you're in college, avoid debt (except perhaps a modest student loan), and pay bills on time, you're golden.
这些就是你需要了解的。如果在大学里你学会节约,避免欠债(除非可能是适度的学生贷款),及时付款,你就是最棒的。