资讯快照:
1989年,丹江口市民盛忠奎夫妻二人拿出2000元积蓄存入当地某国有银行办理两张存单,上面写明24年到期后本息共22万元。
今年,存单终于到期了。可当盛忠奎夫妇去银行取钱时,却被告知存单已失效。银行方面给出的解释是,央行1989年针对保值储蓄下发了紧急通知,该业务期限最多不能超过8年。于是,按照通知后规定,盛忠奎的存款本息只能兑现8400元,不是22万元。
(以上资讯来源于光明网)
小编支招:
看到上面这则资讯,你是不是觉得有点害怕,自己积攒多年的血汗钱说不定哪一天就一文不值了?更何况,现在的年轻人大多抱有“今朝有酒今朝醉”的“洒脱”态度,或者有着“今天花明天的钱”的前卫理念。事实一再告诉我们,如果你到了30岁还没有养成正确的理财习惯的话,那么你就需要想一想,30年后,你拿什么养活自己?
下面小编就为你整理了15条30岁前必须改掉的理财习惯:
1. Keeping all of your money in a checking account.
所有资金都存在一个活期存款账户上。
2. Assuming that you’re too young (or too old!) to start investing for the future.
以为现在开始就为将来投资,还为时过早或已经为时已晚!
3. Impulse shopping — you should learn to buy what you actually need.
冲动购物——你该试着只买必需品了。
4. Asking parents for money.
向父母伸手要钱。
5. Not asking for a raise when you deserve one.
该加薪时羞于启齿。
6. Waiting to start your financial planning until after you’re married.
等待结婚后再开始理财计划。
7. Thinking that investing can only be boring.
觉得投资相当枯燥。
8. Paying your credit card without checking the charges on the bill.
刷卡消费时不看账单金额多少。
9. Not having a firm grasp of your budget: what you can afford, what you can’t, when you can afford to splurge a little, and when you need to save for a while.
对自己的开支没有明确的概念:什么是你能够承受的,什么又是你负担不起的;何时可以稍微奢侈一回,何时又必须得缩紧腰包。
10. Dipping into an emergency fund for non-emergencies (having nothing to wear is not an emergency!)
为不紧急的事情动用应急资金。(没衣服可穿不是什么大不了的事情吧!)
11. Paying late fees — on anything.
任何事情都得支付滞纳金。
12. Not saving a set amount automatically out of every paycheck.
没有从每笔薪酬中自动扣除一定金额用以存款的习惯。
13. Assuming others know best when it comes to your money.
以为别人最了解自己的资金。
14. Assuming that men are better at investing than women.
以为男人比女人更会投资理财。
15. Ignoring coupons. They exist for a reason, you know.
无视优惠券。优惠券有优惠券的好处,你懂的。
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