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存钱: 那些善于存钱的人的17个习惯

SAVING MONEY 17 Habits of People Who Are Great at Saving Money
存钱: 那些善于存钱的人的17个习惯
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2019-02-23 11:11
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存钱: 那些善于存钱的人的17个习惯

Good savers start now

做一个会攒钱的人要从现在开始

Good savers start early, say Janet Stanzak and Kristin Garrett, certified financial planners who started their firm Financial Empowerment as a way to help people kick bad money habits and develop better ones. Many good money savers were taught as children to sock away for a rainy day, but even those who weren’t have learned to jump on an opportunity. “As soon as they see they have an option, like a retirement savings plan through work, they take it,” Garrett says. “Good savers don’t procrastinate financial decisions.” Here are some more personal finance tips you probably weren’t taught (but need to know).

注册理财规划师珍妮特?斯坦扎克(Janet Stanzak)和克里斯汀?加勒特(Kristin Garrett)表示,一个会攒钱的人从很早就开始存钱了。她们创立自己的公司financial Empowerment,目的是帮助人们改掉不良的理财习惯,养成更好的理财习惯。许多会攒钱的人从小就被教导要未雨绸缪,但即使是那些没有学会抓住机会的人也不例外。加勒特说:“一旦他们看到自己有一个选择,比如通过工作来储蓄退休金,他们就会接受。”会攒钱的人不会拖延财务决策。下面是一些你可能没学过(但需要知道)的个人理财建议。

Good savers have a retirement account

会攒钱的人都会有自己的退休账户

It’s not new advice, but there’s a reason every financial adviser repeats it: Because this is your future we’re talking about. A good rule of thumb is to put ten percent of your paycheck each month straight into a retirement account, Garrett says.

加勒特说,这不是新的建议,但每个财务顾问都会重复这一点:因为我们所谈论的是你的未来。一个经验法则是将每月10%的薪水直接存入退休账户。

Good savers know the difference between wants and needs

会攒钱的人知道须求和需求之间的区别

One of the biggest lies we’re sold today, Stanzak says, is that wants are actually needs. “I’ve had so many clients try and tell me that travel, new clothing, and eating out are real needs,” she says. “They’re really not.” Instead, good savers actually write down a list of their basic needs, their wants, and their big wishes. For more money-saving tips, learn the things rich people never waste their money on.

Stanzak说,如今我们听到的最大谎言之一就是须求实际上就是需求。 “我有很多客户告诉我说旅行,买新衣服和外出就餐都是真正的需求,”她说: “他们并不是真的需求”。相反,实际上,会攒钱的人会写下了他们的生活基本需求,需求和他们的大愿望的清单。 要想获得更多省钱的小贴士法则,请了解富人是永远不会做浪费钱的事情。

Good savers don’t rely on autopay

会攒钱的人从不使用自动转账

Autopay makes banking easier: In fact, it makes it too easy for money to flow in and out without your really registering what’s happening, Garrett says. Whether it’s writing out a physical check or filling out the form online, intentionally paying your bills makes your brain note the expenditure. If you do set up autopay (no late fees, after all!), make sure you don’t just set it and forget it. Check the transactions at least once a month to make sure the charges are accurate and get a good sense of what you’re spending. Even better, Garrett adds, good savers write all those transactions down in their budget. Which leads us to…

虽然自动转账会使银行业务变得更容易,但是事实上,它也使得资金流入和流出太容易,从而无法关注到事情的本身,Garrett说: 无论是写出实物的支票还是填写在线的表格,如果您设置了自动转帐支付账单都会让您的大脑记下支出(毕竟没有滞纳金)。请确保您不要只是设置而忘记它, 每月至少检查一次交易情况以确保收费准确,并充分了解您的支出情况。 加勒特补充说,更好的是,会攒钱的人会在预算中写下所有这些交易明细。 这导致我们......

Good savers have a budget

会攒钱的人能维持一个很好的收支平衡

Yes, a real, honest-to-goodness written chart or spreadsheet that they update and balance regularly is one of the trademark?money-saving tips from savvy savers. “The first clue you have that someone has a problem with money is when they can’t provide their monthly cash flow,” Stanzak says. You can’t save if you don’t even know how much money you have to begin with.

是的,定期更新和平衡的一个真实的不掺假的书面图表或电子表格是精明储户的省钱提示之一。 斯坦扎克说,“|你得到的第一条线索就是他们无法提供每月的现金流” 。如果你甚至不知道你开始有多少钱,那你就无法保留你的资金记录。

Good savers use cash or checks

会攒钱的人一般会使用现金或者支票

This isn’t a hard-and-fast rule, Stanzak says, but good savers often tend to use physical types of money. “Research shows you spend 20 percent more when using a credit card because it makes purchasing?feel less ‘painful,’” she explains. Handing someone a wad of cash or writing out a check provides enough of a mental speed bump to slow down many impulse buys. Here are 13 sneaky things your credit card company might know about you.

斯坦扎克说:这不是一个严格的规则,但会攒钱的人往往倾向于使用实物类型的钱。她解释道: 研究表明,在使用信用卡时,你会多花费20%以上的钱,因此这会让消费者变得更加”痛苦“。 给别人一大笔现金或写一张支票可以满足消费者的心理速度,以减缓许多冲动性购买行为。 以下是您的信用卡公司可能了解的13件偷偷摸摸的事情。

Good savers prioritize saving

会攒钱的人会先考虑存钱再花钱

iStock/Rostislav_Sedlacek

iStock/ Rostislav_Sedlacek

It sounds simple, but one of the best money-saving tips is simply making saving a priority in their lives, says?Andrea Woroch, a consumer-finance expert. “Before spending on anything else, they pay themselves first by putting savings into a retirement account or other self-directed savings account,” she says.

消费者金融专家安德里亚沃洛克说:这件事情听着简单,但最省钱的诀窍之一就是让他们的生活成为优先考虑的事项。她说: “在花钱购买其他任何东西之前,他们首先通过将储蓄存入退休帐户或其他自主储蓄账户来支付自己的费用”。

Good savers?keep track of?the little things

会攒钱的人会比较在意一些小的事情

What’s a latte here or a $0.99 app there? Little things can add up to big expenses quickly, Garrett says, often before you even realize what’s happening. Good savers will write down, in their check ledger or budget,?all?their expenses, even the tiniest ones.

加勒特说,通常在你意识到正在发生的事情之前,很少有东西能够在一瞬间增加大笔费用。比如:什么是拿铁咖啡或那里有0.99美元的应用程序? 加勒特说, 一个会攒钱的人会在他们的支票总帐或预算中写下所有费用,即使是最小的费用。

Good savers look for deals

一个会攒钱的人经常会讨价还价

Being frugal is a big part of saving money. And good savers are not too proud to use coupons, hunt down the best deal, or research all possible options before buying. “Good savers?think through each purchase and research alternatives like used options, compare competitor prices, look for coupons,?and read reviews in detail to make the best buying decision,” Woroch says. Watch out for these grocery shopping mistakes that are wasting your money.

节俭是省钱的重要组成部分。 优秀的储蓄者不会太奢侈地使用优惠券,或在购买之前研究所有可能的选择然后寻找最优惠的交易方式。 “会攒钱的人考虑每次购买和选择前在哪家购买前,如以前是否使用过的,比较竞争对手的价格,寻找优惠券,并详细阅读评论,以做出最佳的购买决定,”Woroch说。 注意这些会把你的钱浪费在杂货店。

Good savers adjust for life changes

会攒钱的人能很快适应生活的变化

“You’d be amazed at how many people get divorced but keep living their married lifestyle,” Stanzak says. Big life changes, like job layoffs, divorces, and illness, inevitably affect our budgets. Good savers amend their spending to reflect their new earning or income status regardless of how painful it is to acknowledge.

斯坦扎克说:“”?你可能会惊讶于有多少人明明离婚了但继续过着婚姻生活“。生活中的大变化,如裁员,离婚和疾病,都不可避免地影响我们的生活预算。 优秀储蓄者都会改变他们的支出以反映他们的新收入或收入状况 无论他们是否承认他们现在多么的痛苦

Good savers take free money

会攒钱的人会把自己的闲钱存起来

Does your employer give you a discount on your insurance for getting a check-up every year? Does your company have?employee stock options or offer to match your retirement savings? Do you have flight miles or hotel points accrued that you’re not using? Many people leave this so-called “free money” on the table, Woroch says. It may take a little extra effort to fill out the paperwork, but it’s worth the time.

您的雇主是否每年为您提供保险和身体检查? 贵公司是否有员工股票权或退休储蓄? 你有没有使用航空里程或酒店积分? 沃洛克说,许多人都不是很在意这些所谓的“免费资金”。 要得到这些你作为员工应该享有的权利,不免要填写一些繁琐的资料但是这是值得的。
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Good savers have three to six months of expenses saved
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会攒钱的额人会因此而节约三到六个月的开支

Here’s your scary stat for the day: About?78 percent of Americans live paycheck to paycheck, which means most of us are just one bad car accident or layoff away from financial ruin. It may sound obvious, but good savers save.?How much savings you need depends entirely on your lifestyle, but Garrett and Stanzak recommend having enough money to cover at least three to six months of basic expenses like mortgage, insurance, utilities, and food. Check out these easy ways to save money without feeling the pinch.

有一个可怕的统计数据显示:大约78%的美国人都是用支票支付薪水,所产生的手续费用对我们大多数人来说都足以用于一次车祸或者金融危机的花费。 这可能听起来很明显,但优秀的储户可以节省这笔开支。 您存多少钱完全取决于您的生活方式,但Garrett和Stanzak建议您手头上有足够的资金来支付至少三到六个月的基本费用,如抵押贷款,保险,公用事业和购买食品。 用这些简单的方法来省钱同时也不会感到使你的生活紧张。

Good savers are honest with themselves

会攒钱的额人是实事求是的

None of us are getting any younger, that’s for sure. Yet so many people live in denial of this fact, Stanzak says. The truth is that each of us has risk factors that could affect financial security. Good savers are honest about their particular risks—advancing age, tenuous job security, chronic health problems, family issues, etc.—and plan their savings to account for them. Get a look at these simple ways to make some extra cash, fast.

时光不会倒流这是必然的。 然而,Stanzak说,很多人都否认这一事实。 我们每个人都有可能影响金融安全的风险因素。 会攒钱的人会坦诚相待他们的特殊风险,比如: 年龄增长,工作安全,长期健康问题,家庭问题等等并计划用他们存的钱来解决这些问题。 了解这些简单的方法,快速赚取额外的现金。

Good savers?do not feel?entitled

会攒钱的人不会觉得自己有任何乱花钱特权

“Too many people have this attitude of entitlement,” Stanzak says. “They get caught up in ‘I work hard, so I should have this because I earned it.’” But if you can’t afford a nice car or a day at the spa, you shouldn’t buy it, no matter how hard you work or how strongly you feel you deserve it.

Stanzak 说:很多人都会有一种吃喝享乐的态度,他们觉得我如此努力的工作就应该得到我所应得的。但是如果你无法承担这种享受为你带来的压力,无论你工作多么努力,无论你觉得你自己多么应该享有它,你压根就不该买它。

Good savers use online savings accounts and credit unions

会存钱的人经常会使用储蓄账户或者信用社账户

Online savings accounts generally?offer a better interest rate than traditional brick-and-mortar banks, Woroch says. “Good savers also shop around to ensure they don’t get charged bank fees and may use a credit union instead.” Learn when you should never, ever use your credit card for payment.

网上的一些存储账户给承诺给你更高的收益Woroch 说:会存钱的用户也会使用银行卡或者信用卡购物但是他们会确保在构筑物过程中不收取任何手续费。这里你应该学到的是尽量不使用信用卡付款

Good savers make saving easy and automatic

会存钱的人会主动的存钱

Remember how automatic bill pay allowed you to forget the pain of paying your bills? Well it works the other way too. Automating your savings account, either through an automatic transfer on a certain day each month or through using one of the savings apps like?Digit, can take the sting out of saving, Stanzak says.

还记得自动账单支付是如何让您忘记支付账单的痛苦吗? 那么它也适用于其他方式。 Stanzak说,通过每月某一天的自动转账或使用Digit等储蓄应用程序之一自动化您的储蓄账户,可以减少储蓄费用。

Good savers start small

会存钱的人会从一笔小的账目开始存起

It can be easy to read lists of money-saving tips like this and feel completely overwhelmed and throw in the towel. But saving doesn’t have to be a huge change, Woroch says.?“If you’re new to saving, start small. It’s easier to adapt to a small change than a complete life overhaul,” she explains. “So begin by automating a small amount each week and when you become accustomed to saving that amount and living off what you have left, increase it by a little. You’ll continue creating a better savings habit each time.” Read on for the things you should never, ever pay full price for.

阅读这样的节省金钱的提示很容易,并感到完全不知所措和决定放弃购买。 但沃洛克说,储蓄不一定是一个巨大的变化。 “如果你刚开始攒钱,那就从小做起。 与生活的大变化相比,它更容易适应一个微小的变化,“她解释道 “。因此,每周开始少量自动化,当你习惯于节省这些数量并靠你剩下的东西生活时,可以稍微增加一点, 慢慢到你每次都会创造一个更好的储蓄习惯“。接下来的内容将会谈到你永远不应该买的东西。

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