储蓄

You’ve probably heard it before – saving your money is important. But as a student, it can be hard to save money when you don’t have a lot of money. 就像预算一样，存钱是一种习惯，你可以通过意识到自己的支出来养成这种习惯。 Start by having a small savings goal to start your savings account – maybe that’s $50. 然后把它增加到100美元，然后是500美元，一点一点地增加你的储蓄，而不是从中取出钱。 Motivate yourself by identifying something you are saving money for – maybe it’s a car, or an emergency fund for peace of mind. Use our 储蓄工作表 to track your savings and have a visual representation of working towards your savings goal.

随着储蓄的增长，建议将储蓄分成三个单独的账户：应急基金、中间基金和退休基金。 The emergency fund is for when you need money for an emergency situation, such as car repairs, a doctor’s visit, or loss of income. 一个努力的目标是在你的应急基金中存下三个月的生活费。 中间基金是为将来的大笔开支而存的钱，比如买房或买车。 想想未来三到十年在这个储蓄账户里的钱。 退休账户是为你的退休生活准备的，应该尽早开设，以减少你以后生活中的压力。 每一步都积少成多，今天存下的一点点钱也会在以后的生活中得到回报。