日子过得紧巴巴的?七大花钱信号要注意!

You’ve arrived at the home you can afford based on a 30-year fixed mortgage.
买房子，你能支付起30年的固定抵押贷款。

If you’ve calculated the amount of home you can afford based only a 30-year fixed mortgage scenario, you may be taking on more than you can really afford.
考虑买房子的时候，你也许已经算过30年固定抵押贷款所需的金额，但也许比你实际支付的还要多。

Instead of strapping yourself to a 30-year fixed mortgage payment, consider how much more affordable less house with a shorter loan term is—despite the higher monthly payment.
与其把自己绑在30年固定抵押还贷上，不如想想短点贷款期限是不是更省钱——即使月付更高点。

By opting for a four percent, 15-year fixed mortgage on a $250,000 home loan over a comparable 30-year fixed loan, a homeowner could save $97,020 in interest over the life of the loan. Further, he owns the home in less than two decades.
比如25万美金的房子，贷款15年是百分之四的利息，相比于30年而言，房主能省97020美金的利息。更何况不到二十年他就能完全拥有这房子了。

You’ve paid an overdraft fee in the last 12 months.
过去一年你已经支付过透支费了。

If money is so tight that you have to rely on overdraft protection in order to float your lifestyle, you’re living beyond what you can afford. Period.
手头有点紧，不得不靠着透支保护来继续这一生活方式，那么你目前已经入不敷出了。

You’ve exceeded your credit limit.
你已经超了信用卡额度

Exceeding your credit limit doesn’t just cost you in over-limit fees.
超额使用不仅仅要交付超额费。

Because your credit score is based largely on your debt-to-utilization ratio, your credit score is lowered when your credit balances are high and it signals to lenders that you’re in over your head.
由于你的信用额度很大程度上基于你的资产负债率，一旦超额使用，你的信用就会降低，银行会认为这意味着你入不敷出了。

If you are approved for new lines of credit—including a home mortgage—your future interest rates will be sky high.
如果你申请新的信贷，包括房屋按揭，你将来的利息税就会超高。

You’re in debt but you pay someone to do a job you could do yourself.
尽管负债，你还是花钱请人来做那些力所能及的小事

Are you too busy to clean your house, walk your dog, mow your lawn, or manicure your nails?
难道真的忙的没有时间打扫屋子、遛狗、修剪草坪甚至修指甲吗？

Instead of paying someone else for skills you possess, do the task yourself and put the savings toward paying down debt, building your emergency savings accounts and funding your retirement.
与其花钱请人干那些你力所能及的活，不如自己干，省下来的钱可以付账单，存入紧急账户或是退休基金。