1. I don’t earn enough to save

1.我挣的钱不够去储蓄

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.

你不必挣许多钱才去存钱。你或许不能每个月存200美元，但是每个月至少存10美元都足够帮助你建立一个不错的储备金。不能仅仅因为你挣得钱不多，就意味着你不能存钱。如果你为了存钱而暂时在某些事物上节俭，这对你未来的财务状况来说，牺牲也是值得的。

2. My spouse¹ is a spender

2.我的配偶是个挥金如土的人

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挥金如土的人，分开管理你们的财务是很重要的。你不欠任何人，甚至你的配偶，你的钱，尤其是如果你的财务状况岌岌可危。或许这样会让你看起来自私和心不在焉，但是你首先需要保护自己。不要害怕告诉你的配偶这些忧虑，跟他解释你需要分开管理财务的原因。

3. I’m not good with numbers

3.我对数字不敏感

This is a lame² excuse when it comes to dealing³ 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.

当涉及到管理你个人的财务的时候，这个借口太弱了。全是关于加减法的运算。你并不需要成为一名火箭科学家来控制好你的财务。你需要明确知道你的每个账户中有多少钱。

When you spend using your debit⁴ 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.

当你刷借记卡消费或者取现的时候，记下来，从你的账户中减掉所用的金额。当你用借记卡消费的时候，你需要保存好收据，这样你才能明确陈述自己的钱花在哪儿了。

4. I am in debt

4.我欠了债

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.

欠债并不意味着你未来永远不能拥有良好的财务状况。如果你能让自己摆脱债务，改变你的金钱习惯，你就能拥有很好的未来财务状况。如果你欠债了，不要总是拖延不去处理债务。