十個理念教你過上無信貸無債務生活

Save an emergency fund. Many people use their credit cards as a sort of emergency fund — if there’s an unexpected expense, the card comes out to the rescue. Instead, use the money you aren’t paying towards debt to build up a healthy emergency fund, keeping you out of debt when something unexpected comes up. Living without credit can be risky, but having a strong emergency fund (aim for $1,000 initially, then build it up to 3-6 months or more of expenses).
1.存款以備不時之需.很多人用信用卡來當應急基金----如果有意料之外的支出,信用卡會被用來救急.相反,把那些會導致負債的錢拿來建立一筆健康的應急基金,當有意外支出時它能讓你免於負債.沒有信貸的生活可能有些冒險,但如果有一筆雄厚的資金就不怕了(把1000美金做爲起底目標,然後把它逐漸積累到夠3-6個月或更久的花費)．

Save for goals. Once you’ve got the emergency fund adequately covered, you can start saving for other things. Set savings goals for yourself: do you want to travel, or buy a car, or save for college, or renovate your home, or buy a yacht? Decide on your highest-priority goals, and set a dollar figure. Now save towards those goals. Without debt, it should be fairly easy.
2.有目的的存款.一旦你能合理地利用應急基金,你就可以開始爲其他目標存款.爲自己定下目標:你想旅遊,買車,存錢上大學,翻修房子還是買一艘遊輪?定下你最優先考慮的目標,定下一個存款數字.現在就朝這個目標努力吧.沒有債務,這就會相當容易.

Get a debit card. If you need to use a credit card in certain situations, such as buying something online, often you can use a debit or check card instead, if it has the name of a major credit company such as Visa or Mastercard. I went several years without a credit card, but using a Mastercard debit card, and had no problems at all. It actually worked every place you would need a credit card, but I wasn’t buying stuff on credit — it was debited straight from my checking account, meaning I would need to have the money first before purchasing anything.
3.辦一張借記卡.如果在特定情況下,你需要用到信用卡,比如網上購物時,通常你可以用大型信用公司的借記卡或支票卡來代替,如威士卡和萬事達卡.我好幾年沒用信用卡了,只用一張萬事達借記卡,沒有遇到過任何問題.在需要用信用卡的地方都可以用它,但不是賒賬購物----是直接從我的支票賬戶扣除,就是說在我買東西之前我的賬戶裏必須有存款.

Earn interest instead of paying it. The problem with debt or credit is that you waste money paying interest. It eats away at your finances. Instead, make your money work for you by investing it. With the magic of compound interest, your investments will grow over time, meaning that money you would have been paying toward interest is now earning interest instead and multiplying. That’s good math.
4.掙利息而不是付利息.債務和信貸有一個麻煩就是你必須要付利息.它會逐漸吞食掉你的資金.利用投資來爲你掙錢來取而代之吧.複利擁有神奇的力量能讓你的投資增長.這就意味着你用來付利息的那部分錢可以爲你掙到利息,而且是成倍增加.非常划算哦!

Buy a car on cash. For those who have been buying vehicles with auto loans all their lives, it may seem impossible to buy a car on cash. But it’s very possible, and many people do it. My grandparents, for example, always buy their cars with cash (and always have, except for their first car 50 years ago). So instead of making loan payments, and paying double the price of the car or more over the term of the loan, they make savings deposits, and end up with the amount it costs to buy two cars in their bank account over the course of five years. This is something I’m trying to do myself — I’m going to use my current car as long as possible, save the amount that I’m now paying for my loan every month (it’s almost paid off now), and then buy my next car in cash. It’ll be a used car, but it’ll be all mine.
5.用現金購車.對於那些一輩子都在還汽車貸款的人來說,用現金購車似乎毫無可能.但這是很有可能的,很多人都這樣做.比如我的祖父輩們,他們總是用現金買車(除了他們五十年前的第一輛車).他們不是努力掙車貸錢去支付雙倍於車價或大大超出貸款的錢,而是在接下來的五年內努力掙錢存錢,最後他們的銀行賬戶的錢夠買兩輛車.這正是我自己想要做的----我會繼續用我現在的車直到它不能用爲止,攢錢還每月的貸款(已經快還完了),然後用現金買下一輛車.我會買一輛二手車,但它將是完全屬於我的.

Invest for retirement. This is just common sense, no matter what your credit or debt situation, but without debt payments, it makes sense to accelerate your retirement investments (as one of your savings goals). Then you can retire early, thanks to not being in debt.
6.爲退休投資. 不管你的信貸或債務情況如何,這樣做是常識.但是如果沒有債務纏身,加速退休投資則很有意義(把它例入存款目標),你就可以早日退休了.多虧無債啊.

Travel without credit. It’s a common belief that you can’t rent a hotel room or a car without a credit card. This is false. It’s easy to rent a hotel room, for example, with a cash deposit. You just need to call around to find the right hotels. The same goes with car rentals (see this article for more evidence of this). And if you want to find a cash-only car rental company, see this listing.
7.無信貸旅遊.大家普遍認爲沒有信用卡便不能住賓館或租車.錯了.住賓館相當容易,如果你有現金存款的話.你只需要打電話找到合適的賓館.租車也一樣.

Rent without credit. While no credit checks are done for apartment or house rentals on Guam, where I live, in many places a credit check is standard practice. However, there are options you can use to rent without a credit card or a credit check, including a larger deposit. See this article for more options.
8.無信貸租房.在關島,我住的地方,不進行信用檢查也可以租房,而在很多地方信用檢查則是常規作法.不過,沒有信用卡或不進行信用檢查,也可以通過其他方式租房,有大額的存款便是其中一種.

Buy a home without credit. Now, if buying a car on cash seemed impossible, surely buying a home on cash just cannot be done. But it can, and people have done it. I’m even considering doing it myself. First of all, in many cases, renting a home instead of buying (and investing the savings) is smarter financially. If you can invest the difference and let that grow over time, you can buy a home on cash. And at the same time, you won’t pay triple the value of the home (as most people do over the course of a home mortgage, due to interest). This item actually deserves a full post on its own, as it requires a longer explanation, but I don’t feel qualified to write it. Suffice it to say that it can be done, and has been done.
9.無信貸購房.現在,如果現金買車看來是不可能的事,現金買房毫無疑問也一樣.但這也是可能的.也有人做到過.甚至我自己也在考慮這樣做.首先,在很多情況下,租房而不買房(將存款用於投資)在經濟上是更明智的.如果你可以投資不同的東西並讓之隨着時間而增長,你就能夠現金購房.同時你也不用付三倍於房價的錢(很多人因爲要付房貸利息都要付這麼多錢).光這一項就值得寫一篇專門的貼子,因爲這需要解釋很多,不過我自認爲我寫不出來,只要說明這一點,說明有人寫過就足夠了.

Use PayPal online. I’m not a big fan of online shopping — well, actually I love to shop online, but I think it’s bad for your finances, only because it’s so easy to do. You end up buying stuff online that you might have resisted in the real world. But if you must buy something online, and don’t want to get a credit card (or a debit card), in many cases it can be done with PayPal — meaning that you have to have the money before you make the purchase. I’ve heard of people who don’t like PayPal, but I haven’t had a problem so far.
10.使用PayPal在線支付.我並不很喜歡網上購物----嗯,實際上,我喜歡網上購物,只是我覺得這樣不利於你的經濟,因爲在線購物簡直太容易了.你最終會在線買一大堆在現實世界忍住不去買的東西.如果你必須在網上買些東西,又不想用信用卡(或借記卡),很多時候你都可以用PayPal支付----就是說你必須在買之前就有這筆錢.我知道有人不喜歡用PayPal,但我用到至今都沒遇到過什麼問題.