保值儲蓄不保值 15條30歲前必須改掉的理財習慣

1. Keeping all of your money in a checking account.

所有資金都存在一個活期存款賬戶上。

2. Assuming that you’re too young (or too old!) to start investing for the future.

以爲現在開始就爲將來投資，還爲時過早或已經爲時已晚！

3. Impulse shopping — you should learn to buy what you actually need.

衝動購物——你該試着只買必需品了。

4. Asking parents for money.

向父母伸手要錢。

5. Not asking for a raise when you deserve one.

該加薪時羞於啓齒。

6. Waiting to start your financial planning until after you’re married.

等待結婚後再開始理財計劃。

7. Thinking that investing can only be boring.

覺得投資相當枯燥。

8. Paying your credit card without checking the charges on the bill.

刷卡消費時不看賬單金額多少。

9. Not having a firm grasp of your budget: what you can afford, what you can’t, when you can afford to splurge a little, and when you need to save for a while.

對自己的開支沒有明確的概念：什麼是你能夠承受的，什麼又是你負擔不起的；何時可以稍微奢侈一回，何時又必須得縮緊腰包。

10. Dipping into an emergency fund for non-emergencies (having nothing to wear is not an emergency!)

爲不緊急的事情動用應急資金。（沒衣服可穿不是什麼大不了的事情吧！）

11. Paying late fees — on anything.

任何事情都得支付滯納金。

12. Not saving a set amount automatically out of every paycheck.

沒有從每筆薪酬中自動扣除一定金額用以存款的習慣。

13. Assuming others know best when it comes to your money.

以爲別人最瞭解自己的資金。

14. Assuming that men are better at investing than women.

以爲男人比女人更會投資理財。

15. Ignoring coupons. They exist for a reason, you know.

無視優惠券。優惠券有優惠券的好處，你懂的。