1. Overspending(过度消费)
According to a survey, of the 52% of people who habitually overspend, many balance the shortfall by taking from their savings, and 22% rely on credit cards. Start tracking where your money goes each month, check where you can cut back, and create a ‘realistic’ budget that allows you to pay your bills and invest in a retirement account or an emergency fund.
2. Not Saving Enough(存款不足)
Welcome to the club! The personal savings percentage in the US is a measly 4.9% of disposable income. Start with an emergency fund. Once your emergency fund is substantial, you can redirect small amounts toward other goals like purchasing a home or paying for college.
3. You Have Too Much Debt(太多债务)
Certain debts are a precursor to financial success, like purchasing real estate or starting a business; however, a high-interest credit card balance is not. Pay off credit cards with the highest rates first.
4. You Don’t Have a Plan(理财没有计划)
Without a definite, clearly defined plan, becoming rich will seem like an unbelievable dream. This alone will solidify your excuses for overspending and not saving. Putting together a financial plan may seem tedious, but it doesn’t have to be, and you can get used to it.
5. You Don’t Have an Emergency Fund(没有应急基金)
Experts say you need at least six months of income saved in case of an emergency. Life is tricky, and not having some type of safety net can turn a comfortable situation into a disaster.
6. You Started Late(没有早早开始理财)
Time is slipping by. Just like starting an exercise routine, the most difficult part about saving is getting started. Even if you have debt, a small income, or many expenses, you can save something, even if it’s only a small amount.
7. You Complain Rather Than Commit(总在抱怨没钱)
“I don’t earn enough money”; “Life is too expensive”; “It’s hopeless, I’ll never get out of debt.” Stop complaining and making excuses. Instead, take responsibility for your non-productive habits and concentrate on how to change them – and then do it!
8. You Live for Today, and Forget About Tomorrow(只活在当下，没有为明天做打算)
It’s no fun getting serious and thinking about retirement and all that stuff. Nonetheless, eventually it has to be done. The problem is that impulsive and unregulated spending leads to debt… period! Do yourself a big favor: Get rid of the ‘buy now, worry later’ attitude, and switch to a ‘save now, get rich later’ way of thinking.
9. Putting All Your Eggs in One Basket(把所有的鸡蛋放在同一个篮子)
You might get lucky by wagering all your money on one type of investment. But that’s not a strategy to live by, or for getting rich. Putting all your money in one place is not advised because it puts you at too much risk. Your investment portfolio should include multiple investments with varied levels of risk and ROI potential and liquidity.
10. You Just Don’t Get It!(你活该！)
You may be one of those people who believe that somehow something will come along and save you, so why bother with saving or trying to get out of debt? Maybe you will get lucky and land a fantastic job, receive a big pay raise, inherit money, hit the lottery, or whatever! But ‘whatever’ won’t cut it if you really want to become rich. Yes, life is uncertain. No one knows what will, or will not, actually happen; therefore, why not focus on what you can control today? Get it together now and save yourself, in case someone or something else won’t.