毀掉你未來財務狀況的4個藉口

1. I don’t earn enough to save
1.我掙的錢不夠去儲蓄

You don’t have to earn a lot of money to save. You might not be able to save $200/month, but saving even $10/month is enough to help you build a nice nest egg. Just because you don’t make very much doesn’t mean you can’t save. If you need to cut back on some things for a while to help you save, it’s well worth the sacrifice for your financial future.
你不必掙許多錢纔去存錢。你或許不能每個月存200美元，但是每個月至少存10美元都足夠幫助你建立一個不錯的儲備金。不能僅僅因爲你掙得錢不多，就意味着你不能存錢。如果你爲了存錢而暫時在某些事物上節儉，這對你未來的財務狀況來說，犧牲也是值得的。

2. My spouse is a spender
2.我的配偶是個揮金如土的人

If you know your spouse is a spendthrift, it’s important that you keep your finances separate. You don’t owe anyone, even your spouse, your money, especially if they are putting your financial future at risk. You may be made to look selfish and uncaring, but you need to protect yourself first. Don’t be afraid to voice these concerns to your spouse and explain to him why you need to keep your finances separate.
如果你知道你的配偶是揮金如土的人，分開管理你們的財務是很重要的。你不欠任何人，甚至你的配偶，你的錢，尤其是如果你的財務狀況岌岌可危。或許這樣會讓你看起來自私和心不在焉，但是你首先需要保護自己。不要害怕告訴你的配偶這些憂慮，跟他解釋你需要分開管理財務的原因。

3. I’m not good with numbers
3.我對數字不敏感

This is a lame excuse when it comes to dealing with your personal finances. It’s all about adding and subtracting. You don’t need to be a rocket scientist to keep control of your finances. You have to know exactly how much you have in each of your accounts.
當涉及到管理你個人的財務的時候，這個藉口太弱了。全是關於加減法的運算。你並不需要成爲一名火箭科學家來控制好你的財務。你需要明確知道你的每個賬戶中有多少錢。

When you spend using your debit card or pull cash out, write it down and subtract it from the account you took it from. When you spend using your credit card, you have to hold on to receipts so that you’ll know exactly how much your statement is going to be.
當你刷借記卡消費或者取現的時候，記下來，從你的賬戶中減掉所用的金額。當你用借記卡消費的時候，你需要保存好收據，這樣你才能明確陳述自己的錢花在哪兒了。

4. I am in debt
4.我欠了債

Being in debt doesn’t mean that you can never have a good financial future. If you can get yourself out of debt and change your money habits, you can have a great financial future. If you’re in debt, don’t continue to put off dealing with it.
欠債並不意味着你未來永遠不能擁有良好的財務狀況。如果你能讓自己擺脫債務，改變你的金錢習慣，你就能擁有很好的未來財務狀況。如果你欠債了，不要總是拖延不去處理債務。