TikTok用户分享了有用的理财建议，每个人都应该听听

School teaches us many subjects and provides different skills, but not everyone is lucky enough to get a proper glimpse into the bewildering world of finance. And as some of us are still lost in the darkness of financial housekeeping, TikTok users come flying with their genius advice regarding all things money and cover aspects of when, what and how.

学校教我们很多科目，提供不同的技能，但不是每个人都足够幸运，能对令人困惑的金融世界有一个适当的了解。就在我们中的一些人仍迷失在财务管理的黑暗之中时，TikTok的用户们飞来飞去，提出了关于金钱的所有事情的天才建议，涵盖了时间、内容和方式等方面。

TikTok not only instructs us how to dance, lipsync, or put makeup—it is now educating us on how to maneuver through the world of personal finance.

TikTok不仅教我们如何跳舞、对口型演唱或化妆——它现在还教我们如何在个人理财世界中行事。

You can check out some of the ingenious insights given by TikTokers and let us know what you think or even share your own tips and tricks on how to deal with day-to-day money, saving, and retirement.

你可以看看TikTokers提供的一些独创见解，让我们知道你的想法，甚至分享你自己关于如何处理日常金钱、储蓄和退休的技巧和方法。

#1 Buying A Used Car Rather Than The Latest One Will Save You Money

买二手车而不是最新的能帮你省钱

#2 You Have To Be Careful Not To Use More Than 10-30% Of Your Credit Allowance And Pay Your Balance In Full Every Month

你必须小心花费不超过你的信用额度的10-30%，并且每个月付清你的余额

#3 Know What An Emergency Fund Is And Have It Ready For Rainy Days

了解什么是应急基金，并为不时之需做好准备

#4 Clever And Understandable Way Of How To Save Some Money Every Day

这是每天省钱的聪明而易懂的方法

#5 Think Twice Before Signing Up For Store Credit Cards

在申请商店信用卡前要三思

#6 How Much Really You Need To Save To Buy A Home And How The Down Payments Are Calculated

买房到底需要存多少钱，首付是怎么计算的

#7 Know The Difference Between A Credit Card And Debit Card And Choose Wisely Which One To Use And How

了解信用卡和借记卡的区别，明智地选择使用哪一种以及如何使用

#8 Not Drinking Alcohol Could Save You Some Money

不喝酒可以帮你省点钱

#9 Use Money-Saving Hacks That Work Not Only For Students

使用省钱的技巧，不仅适用于学生

#10 Young People Should Open Up A Credit Card, Open Up A Roth Ira, And Invest In Themselves

年轻人应该开一张信用卡，开立一个个人退休账户，对自己进行投资

图片来源：Irmante Sungailaite