十个理念教你过上无信贷无债务生活

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.存款以备不时之需.很多人用信用卡来当应急基金----如果有意料之外的支出,信用卡会被用来救急.相反,把那些会导致负债的钱拿来建立一笔健康的应急基金,当有意外支出时它能让你免于负债.没有信贷的生活可能有些冒险,但如果有一笔雄厚的资金就不怕了(把1000美金做为起底目标,然后把它逐渐积累到够3-6个月或更久的花费)．

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应急基金,你就可以开始为其他目标存款.为自己定下目标:你想旅游,买车,存钱上大学,翻修房子还是买一艘游轮?定下你最优先考虑的目标,定下一个存款数字.现在就朝这个目标努力吧.没有债务,这就会相当容易.

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.办一张借记卡.如果在特定情况下,你需要用到信用卡,比如网上购物时,通常你可以用大型信用公司的借记卡或支票卡来代替,如威士卡和万事达卡.我好几年没用信用卡了,只用一张万事达借记卡,没有遇到过任何问题.在需要用信用卡的地方都可以用它,但不是赊账购物----是直接从我的支票账户扣除,就是说在我买东西之前我的账户里必须有存款.

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.挣利息而不是付利息.债务和信贷有一个麻烦就是你必须要付利息.它会逐渐吞食掉你的资金.利用投资来为你挣钱来取而代之吧.复利拥有神奇的力量能让你的投资增长.这就意味着你用来付利息的那部分钱可以为你挣到利息,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.用现金购车.对于那些一辈子都在还汽车贷款的人来说,用现金购车似乎毫无可能.但这是很有可能的,很多人都这样做.比如我的祖父辈们,他们总是用现金买车(除了他们五十年前的第一辆车).他们不是努力挣车贷钱去支付双倍于车价或大大超出贷款的钱,而是在接下来的五年内努力挣钱存钱,最后他们的银行账户的钱够买两辆车.这正是我自己想要做的----我会继续用我现在的车直到它不能用为止,攒钱还每月的贷款(已经快还完了),然后用现金买下一辆车.我会买一辆二手车,但它将是完全属于我的.

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.为退休投资. 不管你的信贷或债务情况如何,这样做是常识.但是如果没有债务缠身,加速退休投资则很有意义(把它例入存款目标),你就可以早日退休了.多亏无债啊.

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.无信贷旅游.大家普遍认为没有信用卡便不能住宾馆或租车.错了.住宾馆相当容易,如果你有现金存款的话.你只需要打电话找到合适的宾馆.租车也一样.

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.无信贷租房.在关岛,我住的地方,不进行信用检查也可以租房,而在很多地方信用检查则是常规作法.不过,没有信用卡或不进行信用检查,也可以通过其他方式租房,有大额的存款便是其中一种.

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.无信贷购房.现在,如果现金买车看来是不可能的事,现金买房毫无疑问也一样.但这也是可能的.也有人做到过.甚至我自己也在考虑这样做.首先,在很多情况下,租房而不买房(将存款用于投资)在经济上是更明智的.如果你可以投资不同的东西并让之随着时间而增长,你就能够现金购房.同时你也不用付三倍于房价的钱(很多人因为要付房贷利息都要付这么多钱).光这一项就值得写一篇专门的贴子,因为这需要解释很多,不过我自认为我写不出来,只要说明这一点,说明有人写过就足够了.

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在线支付.我并不很喜欢网上购物----嗯,实际上,我喜欢网上购物,只是我觉得这样不利于你的经济,因为在线购物简直太容易了.你最终会在线买一大堆在现实世界忍住不去买的东西.如果你必须在网上买些东西,又不想用信用卡(或借记卡),很多时候你都可以用PayPal支付----就是说你必须在买之前就有这笔钱.我知道有人不喜欢用PayPal,但我用到至今都没遇到过什么问题.