如果回到十八岁,我要对自己说……(6)
It gets easier, I promise.
我保证,这会随着时间而变得越来越容易。
Don't Get a Credit Card
不要申请信用卡
If I didn't get a credit card when I was your age, I would have saved myself 10 years of financial struggle.
假如在我年轻时没有申请信用卡的话,我能够减少10年的财政困难。
I know it seems like you have to be a grown up and have nice things, but you've got to think long-term. If you can just have the patience to hold off a few years on the nice stuff, you'll be able to afford more of it than you can imagine.
我知道你感觉作为一个成人应该物质生活丰富,但是你要从长远来看这件事情。如果你能够有耐心为更优渥的物质生活多等几年,你会诧异的发现你能够过上更好的生活。
Buying something today on credit because you can't wait will impact your financial situation for years to come.
如果只是因为你等不及了就刷信用卡购物的话,这将会对你接下来许多年的财政状况产生影响。
Simply have the mind to save up for what you want to buy. If you buy with cash, you'll always own what you have, and be free to do what you want.
只需要为你想买的东西存钱。如果用现金付账的话,你会一直拥有你拥有的,并且能够自由的去做你想做的。
When people build up debt and monthly payments, they become slaves to their job. They have to work to pay for all the junk that they put on their credit cards.
当人们有了债务开始分期付款的时候,他们就成为了工作的奴隶。他们不得不为那些用信用卡刷出来的垃圾而工作。
Put Money Away Every Month
每月定期储蓄
(编辑:joice)