人们往往会低估人生的不确定性,在遇到突发情况(如事业,疾病,残疾,和家庭紧急情况)时我们对金钱的需求其实很大。
If you have a less-than-stable career or you’re self-employed, we recommend saving as much as 12 months worth of income. If you don’t have anything near that amount saved, and worse, you’re in debt, you’re living beyond your means.
如果你的工作并不稳定,又或者是自己创业,我们建议至少要存有12个月的收入。如果你的存款没有这么多,甚至还在负债,那么你就已经入不敷出了。
You vacation on credit.
用信用卡旅游
You work hard and you’ve earned that vacation, right?
努力工作觉得可以旅个游来犒劳自己啦?
Consider this financial rule of thumb when it comes to credit purchases: If it takes you longer to pay for the purchase than the actual “life span” of the item, you can’t really afford it.
但如果需要用到信用卡,就想想这个重要的准则吧:如果还款所需的时间比实际的旅游时间还长,算了吧,你其实付不起。
Start a plan to save money for vacations well in advance of the time you’ll need to book tickets or make reservations.
提前制定旅行计划能省一大笔钱,你需要订票和预约酒店。
Make sure you pay the balance down before you’re charged a dime of interest and be realistic about all the “extras” that can add to the cost of a trip, like tips, parking, and baggage fees.
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