你可能已经注意到,在你收到薪水之前,钱就直接从你的薪水中出来了,至少在美国是这样。政府理解“先自付”或“先自付”的概念,即在你拿到收入之前先征税。然而,这个概念也可以用于你的利益,通过应用它来省钱。
“先给自己付钱”简单地说,就是在你用钱做任何其他事情之前,自动从每一张工资支票中留出一定比例的钱存起来。如果你不先给自己付钱,总会有一些钱可以花在上面而不是存钱。似乎从来没有一个完美的时间开始存钱,所以你只需要投入并去做。
在你习惯了先给自己钱的概念之后,你真的不会错过钱的。把这笔钱存入一个单独的账户是个好主意,这样你就不会想花掉它。你可能想做一些投资,或者干脆把钱存到一个高息储蓄账户里,存到退休前。
为未来做计划非常重要,你越早开始储蓄越好。如果你先付钱给自己,你知道你会在几年内得到一定数额的钱。有许多低风险的投资工具,你可以尝试,以增加你的储蓄退休。即使你已经有了养老金或其他退休基金,最好还是先给自己付钱,为将来积累更多的钱。
有些类型的退休账户甚至可以让你先付自己的钱。各种账户,如401K或个人退休账户,通常被称为IRA,可能允许您在税前存入一定金额的资金,或者您可以从税款中扣除该金额。
你可能在想,先给自己多少钱才算好。一个很好的经验法则是给自己支付相当于每八小时至少工作一小时的工资。如果你不按小时计酬,你可以很容易地粗略估计出你应该节省多少钱。将你的年薪除以52周,然后再除以你每周工作的大致小时数,再除以8
...不会解密你的文件。你应该吗?还清网络罪犯的利与弊是什么? 这是一个困难的问题,而且有许多层次。要访问你的文件,你可能需要支付一大笔赎金。还有加密货币的问题,这是勒索软件的首选支付方式。除非你已经是一个...
...y Manchester Mark 1 machine and that he was already deriving the primitive conception of an operating system from the principles of the Universal Turing machine. 有兴趣看到更多关于这个话题的反馈吗?然后一定要访问下面链接的生动讨论主题! 有什么要补充的解...
...还回避了发行这种设计精确的面具的问题: The **art mask concept will continue to be optimized through rigorous testing and user feedback to ensure safety compliance and maximum comfort and usability. Design improvements will also be ongoing to support the evolving user needs and to ...
...or museum exhibits that shed light on the era’s culture and history. The concept art for the game reflects that. By means of bold color choices, distinct environmental themes and stunning landmarks like pagodas or villages the player is submerged in a fantasy that pays homage to the Japan of old. ...
... Review Lomography K***truktor review: the $35 camera you build yourself Lomography's K***truktor brings new meaning to the term manual camera. In a world of autofocus, metering, and **art modes, building a basic camera yourself and shooting straight to film could be the best w...
...一笔象征性的费用——与其说是支付墙,还不如说是表明自己对伟大对话事业的承诺。” 纽豪斯指出,那些不愿意支付费用的人仍然可以通过其众多社交网络渠道在网站上发表评论,或者直接通过电子邮件与网站联系。回溯...
...么意思 Model is a physical, verbal or a graphical representation of a concept or an idea. Models can be developed depending on the theoretical aspects. Models have been made in order to simplify the theoretical concepts, and these are used in many fields in the modern world. For example, a person...
... heading and sub-headings format; this format makes readers understand the concepts dealt in the article easily. Articles can also vary according to the type of information they present. These facts and information are generally presented in an objective manner since the writer’s aim is to describ...
...界活水系统→ WLWS公司 英语作为第二语言教学→ 特斯拉 Concept Definition and Design Research → CDDR When you are using abbreviati***, you should also c***ider whether it is familiar to your readers. It is always better to use the full form of the abbreviation first. Once the...
侠义观 骑士精神是中世纪骑士遵循的道德、社会和宗教行为准则。这个准则经常强调荣誉、勇气和服务。骑士精神这一概念起源于神圣罗马帝国对骑兵的理想化——骑兵以勇敢、勇敢和为他人服务而闻名。因此,骑士精...