剛拿的年終獎爲何又沒了:揭祕那些讓你變窮的原因
Today's LearnVest Daily is dedicated to all the excuses we've ever made for why our finances aren't everything we've dreamed: Our jobs just don't pay enough. Our friends are bad spending influences. We're too deep in debt to ever get out. In response to those, we bring you nine reasons you're broke . . .
女性個人理財網LearnVest Daily 總是在爲女人們的入不敷出尋找各種藉口：工資不夠；朋友花錢的壞習慣影響了自己；深陷債務泥沼無法自拔。與之相對，我們要告訴你的是：你身爲窮人的真正原因。
1. You Put Your Entire Paycheck in Your Checking Account
1. 所有收入都存進了活期存款賬戶
Of course, you should have a checking account, but depositing all your income straight to checking sets you up to overspend and sideline your savings goals. After all, the money is right there, ripe for the spending, and socking cash away for the future requires transferring it separately to your savings account.
沒錯，你應該要有自己的活期存款賬戶，但是把所有收入存入賬戶裏只會讓你花費超支，存錢幾乎不可能。畢竟，錢存那裏了，召喚着你去花它啊！而且爲未來存錢也要一點一點來。
A better solution? Set up automatic deposits straight from your paycheck into your various savings accounts. It's called paying yourself first.
有沒有更好的解決方法？辦理自動劃賬業務，把錢直接存入你的各種儲蓄賬戶。這叫做先留給自己。
2. You Spend on Stupid Stuff
2. 把錢花在了無用的東西上
We actually think you should spend money . . . on the things that will actually make a difference in your life. Spending on a meaningful vacation or a clothing item that will revolutionize your wardrobe? Totally worthwhile. Spending extra on things like your electricity bill or your medicine cabinet? Totally ritize what matters most to you then cut out the rest of the filler in your budget.
我們認爲，錢應該花在可以改變生活的東西上。花錢度過一個有意義的假期，或者買一件衣服改變一下自己的衣櫃風格？完全必要。但如果花多餘的錢來付自己的電費賬單，或者買個醫藥箱？完全沒必要！列出對你而言最重要的東西，然後把預算中多餘的東西劃掉。3. You Don't Have Any Goals
3. 目標不明確
You're much likelier to save if you have something to save for, especially if it's something important to you. Get some emotions on the line by thinking of specific reasons you're working so hard at your finances. Are you trying to save up for a house someday? A family? A new car? A much-needed vacation?
如果你打算爲某些事情存錢，特別是一些很重要的事情，那麼存錢就會很容易。好好想想你努力工作存錢爲的是什麼。你打算某年某月某天買套房？建立自己的家庭？買輛新車？期待已久的假期？
Put everything in perspective, and give yourself something to work for, by creating a vision board, which you can fill with images and words to illustrate your ideal life.
全盤考慮一番，給自己一個工作的理由。創建一個未來規劃板，把對未來的美好生活添上去。
4. You're Scared of Your Own Power
4. 對於貧窮的恐懼
Your power to grow your money, that is. Investing may sound like an intimidating thing meant only for financial gurus, but you're missing out if you're too chicken to jump in. If you invested, then 40 years could turn $1,000 into almost $22,000. Meanwhile, that same $1,000 would leave you with only a little over $2,000 after 40 years if you put it in a savings account with 2 percent interest!
投資—你增加自己金錢的能力，乍聽來似乎只爲金融家而存在，如果你不敢投資，你就出局了。如果你投資的話，那麼，40年的時間可以將1000美元變成22000美元。但是，如果你把同樣的1000美元放到銀行存起來，每年的利息是2%，那麼40年後，你只能獲得2000美元的利息。
That's not to say you should start picking random stocks. We recommend starting out with mutual funds or exchange-traded funds to make sure you have the most balanced portfolio to fit your goals.
但這並不是說你可以隨便投資股票。在這裏，我們推薦你從投資互惠基金或者營業基金開始，這樣，你就可以確保投資於目標的平衡。
5. You're Paying Your Debts Wrong
5. 無法正確還債
Even if you're responsibly paying off your debts, you could be keeping yourself down if you're paying them in the wrong order.
還債是你的義務，這沒有錯，但是如果你沒有正確的還債，只會讓自己生活低下了。
Don't divide your payments equally among all debts, like credit card debt or your student loans. Those with the highest interest rates grow fastest, so focus on the most toxic debts first.
還債不要平均分配，例如，信用卡債務和助學貸款。高利率的債務增長也快，所以先償還高利率債務。
