1. I don’t earn enough to save
1.我挣的钱不够去储蓄
You don’t have to earn a lot of money to save. You might not be able to save $200/month, but saving even $10/month is enough to help you build a nice nest egg. Just because you don’t make very much doesn’t mean you can’t save. If you need to cut back on some things for a while to help you save, it’s well worth the sacrifice for your financial future.
你不必挣许多钱才去存钱。你或许不能每个月存200美元,但是每个月至少存10美元都足够帮助你建立一个不错的储备金。不能仅仅因为你挣得钱不多,就意味着你不能存钱。如果你为了存钱而暂时在某些事物上节俭,这对你未来的财务状况来说,牺牲也是值得的。
2. My spouse is a spender
2.我的配偶是个挥金如土的人
If you know your spouse is a spendthrift, it’s important that you keep your finances separate. You don’t owe anyone, even your spouse, your money, especially if they are putting your financial future at risk. You may be made to look selfish and uncaring, but you need to protect yourself first. Don’t be afraid to voice these concerns to your spouse and explain to him why you need to keep your finances separate.
如果你知道你的配偶是挥金如土的人,分开管理你们的财务是很重要的。你不欠任何人,甚至你的配偶,你的钱,尤其是如果你的财务状况岌岌可危。或许这样会让你看起来自私和心不在焉,但是你首先需要保护自己。不要害怕告诉你的配偶这些忧虑,跟他解释你需要分开管理财务的原因。
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