你不理財(cái)財(cái)不理你

Everyone has a bad financial habit. We live in a country that spends billions on advertising to make us want to make purchases; However, if you are looking to make change and break your bad financial habits use these tips. Remember: even though the habits are hard to break and require conscientious effort, there is payoff.
每個(gè)人都會(huì)有些不良的理財(cái)習(xí)慣。我們的國(guó)家在廣告上花費(fèi)數(shù)十億，引誘我們花錢(qián)購(gòu)物。然而，如果你想改掉自己糟糕的理財(cái)習(xí)慣，那么可以采納以下建議。記住：即使壞習(xí)慣很難改正，需要持之以恒，但只要努力，總會(huì)有回報(bào)。

到手的賬單及時(shí)支付

1. Pay bills when you receive them. Think of all the stress and anxiety that you experience when you put off paying your bills. When you receive the email notification or open the bill in the mail, take care of it. It will only take five minutes, and you won't be swamped with bills at the last minute.
1. 到手的賬單及時(shí)支付。當(dāng)你拖著賬單不付的時(shí)候，想想堆起來(lái)的這些賬單以后會(huì)帶給你的壓力和焦慮。留心電郵的通知和郵箱的賬單。查看賬單只需5分鐘，卻可以免除你在最后一分鐘被未付款賬單淹沒(méi)的窘境。

用現(xiàn)金替代銀行卡

2. Use cash and not your card. You must have had a hard time controlling the amount of swipe purchases you are making. Minimize this urge by using your ATM card once a week to withdraw the amount of money you have allotted yourself for the week. Keep your cards at home, and even stow your credit cards in a hard to reach place in your closet to keep you from using them.
2.用現(xiàn)金代替銀行卡。你肯定碰到過(guò)刷卡購(gòu)物時(shí)難以控制金額的這種情況。要減小花錢(qián)的刺激，方法是每周僅使用一次提款卡，這僅有一次是提出你下周要用的錢(qián)。平時(shí)不要把卡帶出門(mén)，為了避免使用信用卡，甚至可以把他們藏在壁櫥里難以觸及的位置。

購(gòu)買(mǎi)真正需要的物品

3. Buy only what you really need. Most of us take impulsive shopping trips to buy items we really don't really need. Some claim shopping eases their tension, gets their mind off of other things, or gives them a boost of happiness. Take the time to figure out what spurs you to buy unnecessary items. Try to replace shopping with some hobbies like riding your bike or taking a walk with friends.
3. 購(gòu)買(mǎi)真正需要的物品。大多數(shù)人都會(huì)沖動(dòng)購(gòu)物，買(mǎi)一些并不真正缺少的商品。有些人說(shuō)，購(gòu)物可以緩解壓力，把注意力從其他事情上移開(kāi)，或者提升幸福感。你應(yīng)該去弄清楚是什么刺激你購(gòu)買(mǎi)那些無(wú)用的商品，還應(yīng)該其他愛(ài)好替代購(gòu)物，比如騎車(chē)或者和朋友散步。

核對(duì)費(fèi)用清單

4. Track your expenses. Sometimes restaurants and businesses will charge you the wrong amount, but you won't have the receipt to back up your claim. Other times, you might have insufficient funds for the check you just wrote. Keep your receipts, and spend a few minutes every night to double check your charges, and know the current balance of your bank account. It beats getting overcharged or having to pay an overdraft fee.
4. 核對(duì)費(fèi)用清單。有時(shí)候，飯店和商戶會(huì)多收費(fèi)，你卻沒(méi)有收據(jù)為自己討說(shuō)法?；蛘?，你可能開(kāi)了支票，賬戶里卻余額不足。你應(yīng)該把收據(jù)保存起來(lái)，每天晚上花上幾分鐘核對(duì)兩遍費(fèi)用支出，清楚自己眼下的賬戶余額。這樣做可以避免消費(fèi)超額和透支。

每年查看信用評(píng)分

5. Check your credit score annually. Get in the habit of checking your credit score to make sure there are no errors or inaccuracies. If you do notice something wrong, you can send in correction letters, so your applications for credit cards, car loans, or a mortgage are approved.
5. 每年查看信用評(píng)分。養(yǎng)成查看信用評(píng)分的習(xí)慣，確認(rèn)沒(méi)什么差錯(cuò)。如果真的發(fā)現(xiàn)數(shù)據(jù)有誤，可以發(fā)送修正信件到銀行，這樣他們就可以對(duì)你的信用卡、汽車(chē)貸款和房屋貸款的申請(qǐng)進(jìn)行審核了。