{"id":1886,"date":"2012-10-04T15:45:00","date_gmt":"2012-10-04T07:45:00","guid":{"rendered":"https:\/\/blog.17rich.com\/?p=1886"},"modified":"2023-03-13T17:10:19","modified_gmt":"2023-03-13T09:10:19","slug":"pay-debt-or-save-emergency-fund","status":"publish","type":"post","link":"https:\/\/blog.17rich.com\/pay-debt-or-save-emergency-fund\/","title":{"rendered":"\u8ca0\u50b5\u7684\u4eba\u8a72\u5982\u4f55\u6e96\u5099\u7dca\u6025\u9810\u5099\u91d1\uff1f"},"content":{"rendered":"

\u8ca0\u50b5\u7684\u4eba\u6bcf\u500b\u6708\u7684\u73fe\u91d1\u6d41\u90fd\u6709\u4e9b\u5403\u7dca\uff0c\u624b\u4e0a\u6709\u9592\u9322\u7684\u8a71\u662f\u8981\u62ff\u53bb\u6e96\u5099\u7dca\u6025\u9810\u5099\u91d1\uff0c\u9084\u662f\u8981\u5148\u62ff\u53bb\u9084\u50b5\uff1f\u6211\u7684\u7b54\u6848\u662f\u4e00\u5b9a\u8981\u5148\u6e96\u5099\u9810\u5099\u91d1\uff0c\u800c\u4e14\u6bd4\u6c92\u6709\u8ca0\u50b5\u7684\u4eba\u9084\u66f4\u9700\u8981\uff01\u56e0\u70ba\u5982\u679c\u6c92\u6709\u9019\u7b46\u6e96\u5099\u91d1\uff0c\u4e00\u500b\u7a81\u767c\u4e8b\u4ef6\u53ea\u6703\u8b93\u8ca0\u50b5\u8b8a\u66f4\u591a\uff0c\u628a\u8ca1\u52d9\u72c0\u6cc1\u63a8\u5411\u66f4\u6df1\u7684\u6df1\u6df5\u3002<\/p>\n

<\/p>\n

\u4e4b\u524d\u8aaa\u904e\u7dca\u6025\u9810\u5099\u91d1\u7684\u7528\u610f\u5c31\u662f\u9632\u6b62\u7a81\u767c\u4e8b\u4ef6\u6253\u4e82\u539f\u672c\u7684\u7406\u8ca1\u8a08\u756b<\/a>\uff0c\u540c\u6642\u4e5f\u89e3\u91cb\u9810\u5099\u91d1\u5c31\u597d\u50cf\u4e00\u9053\u57ce\u7246\u4e00\u6a23\u4fdd\u8b77\u597d\u81ea\u5df1\u3002\u800c\u7576\u8eab\u4e0a\u6bcf\u6708\u73fe\u91d1\u6d41\u5403\u7dca\u7684\u6642\u5019\uff0c\u5c31\u5982\u540c\u4e09\u570b\u8a8c\u6230\u722d\u57ce\u5167\u5175\u529b\u4e0d\u8db3\u4e00\u6a23\uff0c\u57ce\u7246\u627f\u64d4\u9632\u5b88\u7684\u91cd\u8981\u6027\u5c31\u66f4\u5927\uff0c\u81f3\u5c11\u4e5f\u8981\u80fd\u64cb\u8457\u76f4\u5230\u6551\u5175\u51fa\u73fe\u3002\u8aaa\u5f97\u76f4\u767d\u4e00\u9ede\uff0c\u9019\u7b46\u9322\u5c0d\u8ca0\u50b5\u7684\u4eba\u4e0d\u53ea\u662f\u9810\u5099\u91d1\uff0c\u66f4\u662f\u4fdd\u547d\u91d1\uff01<\/p>\n

\u6b63\u5e38\u4f86\u8aaa\uff0c\u7dca\u6025\u9810\u5099\u91d1\u7684\u6e96\u5099\u91d1\u984d\u6703\u4ee5\u516d\u500b\u6708\u70ba\u6a19\u6e96<\/a>\u3002\u4f46\u8ca0\u50b5\u7684\u4eba\u6700\u4e3b\u8981\u7684\u76ee\u6a19\u662f\u8981\u5118\u65e9\u628a\u50b5\u52d9\uff08\u8cb8\u6b3e\uff09\u9084\u6e05<\/a>\uff0c\u964d\u5e95\u6bcf\u500b\u6708\u7684\u5229\u606f\u9322\uff0c\u53ea\u662f\u9806\u5e8f\u4e0a\u4e0d\u80fd\u641e\u6df7\uff0c\u5fc5\u9808\u5148\u628a\u9810\u5099\u91d1\u6e96\u5099\u597d\uff0c\u518d\u4f86\u96c6\u4e2d\u7cbe\u795e\u8207\u91d1\u9322\u9084\u6e05\u8cb8\u6b3e\u3002\u6240\u4ee5\u8eab\u4e0a\u6709\u8ca0\u50b5\u7684\u4eba\uff0c\u9810\u5099\u91d1\u7684\u91d1\u984d\u5efa\u8b70\u5148\u6e96\u5099\u4e00\u500b\u6708\u751f\u6d3b\u8cc7\u91d1\u5c31\u597d<\/strong>\uff0c\u539f\u56e0\u5982\u4e0b\uff1a<\/p>\n

1. \u4e00\u500b\u6708\u7684\u6700\u4f4e\u751f\u6d3b\u8cbb\u8f03\u5bb9\u6613\u9054\u9663<\/h3>\n

\u300c\u4e00\u958b\u59cb\u5c31\u505a\u5c0d\u7684\u4e8b\uff0c\u5f8c\u9762\u6703\u7c21\u55ae\u8a31\u591a\u3002\u300d\u5148\u8b93\u81ea\u5df1\u6709\u9054\u6210\u76ee\u6a19\u7684\u6210\u5c31\u611f\uff0c\u6703\u8b93\u81ea\u5df1\u66f4\u6709\u529b\u6c23\u53bb\u9762\u5c0d\u5f8c\u9762\u7684\u9084\u50b5\u904e\u7a0b\u3002\u800c\u8a2d\u5b9a\u4e00\u500b\u6708\u7684\u751f\u6d3b\u8cc7\u91d1\u5c31\u53ef\u7576\u6210\u7406\u50b5\u8a08\u756b\u7684\u7b2c\u4e00\u500b\u76ee\u6a19\uff0c\u7576\u4f60\u5b8c\u6210\u9019\u500b\u8f03\u4e0d\u56f0\u96e3\u7684\u76ee\u6a19\u5f8c\uff0c\u80fd\u5920\u8b93\u81ea\u5df1\u66f4\u6709\u4fe1\u5fc3\u89e3\u9664\u8eab\u4e0a\u50b5\u52d9\uff0c\u540c\u6642\u4e5f\u6e96\u5099\u597d\u4e00\u7b46\u5c0f\u984d\u9810\u5099\u91d1\u4f86\u4fdd\u8b77\u81ea\u5df1\u3002<\/p>\n

2. \u6253\u7834\u50b5\u52d9\u5faa\u74b0<\/h3>\n

\u8eab\u9677\u50b5\u52d9\u7684\u4eba\u6700\u5927\u7684\u5371\u6a5f\u4e0d\u662f\u8981\u9084\u7684\u9322\u592a\u591a\uff0c\u800c\u662f\u6c92\u6709\u5118\u901f\u6b62\u8840\u8b93\u81ea\u5df1\u9677\u5165\u7121\u9650\u5faa\u74b0\u7684\u50b5\u52d9\u88e1\u3002\u8ca0\u50b5\u7684\u4eba\u5982\u679c\u9084\u662f\u8ddf\u4ee5\u5f80\u4e00\u6a23\u96a8\u4fbf\u7528\u9322\uff0c\u5e38\u6703\u56e0\u70ba\u81e8\u6642\u8cc7\u91d1\u4e0d\u8db3\u800c\u53c8\u53bb\u501f\u4e86\u66f4\u591a\u7684\u9322\uff0c\u6216\u662f\u5229\u606f\u904e\u9ad8\u8b93\u6bcf\u6708\u9084\u7684\u672c\u91d1\u904e\u5c11\u3002\u8981\u6253\u7834\u9019\u7a2e\u596a\u547d\u5faa\u74b0\u6700\u597d\u7684\u65b9\u6cd5\u5c31\u662f\u505a\u8ddf\u501f\u9322\u76f8\u53cd\u7684\u4e8b\uff0c\u4e5f\u5c31\u662f\u5b58\u9322\u3002\u800c\u9019\u4e00\u500b\u6708\u7684\u4fdd\u547d\u91d1\u5c31\u7b49\u65bc\u662f\u5e6b\u81ea\u5df1\u5b58\u4e0b\u4e00\u7b46\u9322\u64fa\u5728\u9280\u884c\u88e1\uff0c\u540c\u6642\u958b\u59cb\u5b58\u9322\u4e5f\u6e96\u5099\u597d\u57fa\u672c\u9810\u5099\u91d1\u3002<\/p>\n

\n

<\/p>\n

(image via\u00a0<\/span><\/strong>kchbrown<\/a>)<\/span><\/strong><\/div>\n<\/div>\n

3. \u968e\u6bb5\u76ee\u6a19\u4ecd\u653e\u5728\u6e1b\u5c11\u6bcf\u500b\u6708\u5229\u606f\u9322<\/h3>\n

\u63d0\u524d\u9084\u672c\u91d1\u7684\u597d\u8655<\/a>\u662f\u53ef\u4ee5\u8b93\u5229\u606f\u9322\u6108\u7e73\u6108\u5c11\uff0c\u7136\u5f8c\u591a\u51fa\u4f86\u7684\u8cc7\u91d1\u5c31\u80fd\u50cf\u6efe\u96ea\u7403\u822c\u62ff\u53bb\u9084\u66f4\u591a\u7684\u50b5\u52d9\u672c\u91d1\u3002\u6240\u4ee5\u8eab\u4e0a\u6709\u50b5\u52d9\u7684\u4eba\u82e5\u4ee5\u5b58\u516d\u500b\u6708\u9810\u5099\u91d1\u70ba\u6a19\u6e96\uff0c\u5728\u73fe\u91d1\u6d41\u5403\u7dca\u7684\u60c5\u6cc1\u4e0b\uff0c\u5728\u5099\u8db3\u516d\u500b\u6708\u9810\u5099\u91d1\u524d\u6703\u4ed8\u51fa\u904e\u591a\u539f\u672c\u53ef\u4ee5\u4e0d\u7528\u7e73\u7684\u5229\u606f\u3002\u7576\u7136\uff0c\u4e00\u500b\u6708\u7684\u9810\u5099\u91d1\u6216\u8a31\u9632\u8b77\u4e0a\u9084\u4e0d\u8db3\uff0c\u4f46\u81f3\u5c11\u5df2\u7d93\u53ef\u4ee5\u6e1b\u5c11\u8a31\u591a\u7a81\u767c\u4e8b\u4ef6\u7684\u885d\u64ca\u3002\u800c\u4e14\u5225\u5fd8\u4e86\uff0c\u8eab\u8655\u8ca0\u50b5\u7684\u4eba\u672c\u4f86\u5c31\u61c9\u8a72\u66f4\u52aa\u529b\u5de5\u4f5c\u4fdd\u8b77\u597d\u81ea\u5df1\u73fe\u6709\u7684\u5de5\u4f5c\u8207\u73fe\u91d1\u6d41\uff0c\u540c\u6642\u6e1b\u5c11\u4efb\u4f55\u6703\u767c\u751f\u610f\u5916\u7684\u53ef\u80fd\uff0c\u8b93\u9019\u4e00\u500b\u6708\u7684\u9810\u5099\u91d1\u4e0d\u7528\u627f\u64d4\u904e\u9ad8\u7684\u98a8\u96aa\u885d\u64ca\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u9664\u4e86\u5de5\u4f5c\u5176\u5b83\u6642\u9593\u5c11\u51fa\u9580\u5c31\u662f\uff0c\u5728\u5bb6\u4e5f\u6bd4\u8f03\u80fd\u7701\u9322\u3002\u9019\u6bb5\u6642\u9593\u7684\u72a7\u7272\u63db\u53d6\u672a\u4f86\u826f\u597d\u8ca1\u52d9\u4e00\u5b9a\u503c\u5f97\u3002<\/p>\n

4. \u50b5\u52d9\u53ea\u8981\u6e1b\u5c11\u4e00\u534a\u5c31\u591a\u5b58\u4e00\u500b\u6708\u9810\u5099\u91d1<\/h3>\n

\u524d\u9762\u8aaa\u904e\u4e00\u500b\u6708\u7684\u9810\u5099\u91d1\u53ef\u80fd\u4e0d\u8db3\uff0c\u6240\u4ee5\u7576\u4f60\u628a\u50b5\u52d9\u6e1b\u5c11\u523050%\u6642\uff0c\u5c31\u662f\u52a0\u78bc\u628a\u9810\u5099\u91d1\u518d\u591a\u6e96\u5099\u4e00\u500b\u6708\u7684\u6642\u5019\u3002\u800c\u56e0\u70ba\u90a3\u6642\u8981\u7e73\u7684\u9084\u6b3e\u5df2\u7d93\u6bd4\u4e00\u958b\u59cb\u5c11\u8a31\u591a\uff0c\u6240\u4ee5\u9019\u7b2c\u4e8c\u500b\u6708\u7684\u9810\u5099\u91d1\u6703\u66f4\u5feb\u9054\u6210\uff0c\u63d0\u524d\u9084\u672c\u91d1\u7684\u8a08\u756b\u4e5f\u4e0d\u6703\u66ab\u505c\u904e\u4e45\u3002\u90191+1\u500b\u6708\u7684\u9810\u5099\u91d1\u9084\u6709\u5e7e\u500b\u610f\u7fa9\uff1a(1)\u544a\u8a34\u81ea\u5df1\u50b5\u52d9\u5df2\u7d93\u63db\u6e05\u4e00\u534a\uff0c\u8b93\u81ea\u5df1\u77e5\u9053\u8ca1\u52d9\u72c0\u6cc1\u5df2\u7d93\u5728\u6539\u5584\uff1b(2)\u628a\u81ea\u5df1\u7684\u4fdd\u8b77\u7246\u63d0\u5347\u66f4\u9ad8\uff0c\u8b93\u81ea\u5df1\u66f4\u52a0\u9060\u96e2\u50b5\u52d9\u3002\u540c\u6a23\u5730\uff0c\u7576\u4f60\u628a\u50b5\u52d9\u7e7c\u7e8c\u6e1b\u5c11\u5230\u5269\u4e0b\u6700\u521d\u768425%\u6642\uff0c\u5c31\u518d\u8ffd\u52a0\u7b2c\u4e09\u500b\u6708\u7684\u9810\u5099\u91d1\u3002\u5b58\u8db3\u9019\u4e09\u500b\u6708\u7684\u9810\u5099\u91d1\u5f8c\uff0c\u63a5\u4e0b\u4f86\u5c31\u53ef\u4ee5\u4e00\u53e3\u6c23\u5c07\u6700\u5f8c25%\u7684\u50b5\u52d9\u5168\u90fd\u9084\u6e05\u3002<\/p>\n

\u9810\u5099\u91d1\u5c0d\u8ca0\u50b5\u7684\u4eba\u66f4\u91cd\u8981<\/h2>\n

\u5c0d\u65bc\u8ca0\u50b5\u7684\u4eba\uff0c\u9810\u5099\u91d1\u7684\u91cd\u8981\u6027\u6bd4\u6c92\u6709\u8ca0\u50b5\u7684\u4eba\u66f4\u70ba\u91cd\u8981\u3002\u6e96\u5099\u9019\u4e00\u500b\u6708\u7684\u9810\u5099\u91d1\u4e5f\u53ef\u4ee5\u5e6b\u81ea\u5df1\u626d\u8f49\u8ca1\u52d9\u52a3\u52e2\uff0c\u5f9e\u501f\u9322\u958b\u59cb\u8b8a\u6210\u5b58\u9322\uff0c\u5fc3\u614b\u4e0a\u6703\u6709\u5f88\u5927\u7684\u8f49\u8b8a\uff0c\u540c\u6642\u8b93\u81ea\u5df1\u66f4\u7121\u5f8c\u9867\u4e4b\u6182\u7684\u5168\u5fc3\u6e05\u511f\u50b5\u52d9\u3002\u9084\u50b5\u4e4b\u8def\uff0c\u5c31\u5f9e\u9019\u7b2c\u4e00\u500b\u6708\u9810\u5099\u91d1\u958b\u59cb\uff01\uff08\u672c\u6587\u6709\u7d93\u904e\u91cd\u65b0\u7de8\u5beb\u4e26\u6536\u9304\u5728\u300a\u4e0b\u73ed\u5f8c\u8cfa\u66f4\u591a<\/a>\u300b\uff0c\u6b61\u8fce\u53c3\u95b1\u3002\uff09<\/p>\n","protected":false},"excerpt":{"rendered":"

\u8ca0\u50b5\u7684\u4eba\u6bcf\u500b\u6708\u7684\u73fe\u91d1\u6d41\u90fd\u6709\u4e9b\u5403\u7dca\uff0c\u624b\u4e0a\u6709\u9592\u9322\u7684\u8a71\u662f\u8981\u62ff\u53bb\u6e96\u5099\u7dca\u6025\u9810\u5099\u91d1\uff0c\u9084\u662f\u8981\u5148\u62ff\u53bb\u9084\u50b5\uff1f\u6211\u7684\u7b54\u6848\u662f\u4e00\u5b9a\u8981\u5148\u6e96\u5099\u9810\u5099\u91d1\uff0c\u800c\u4e14\u6bd4\u6c92\u6709\u8ca0\u50b5\u7684\u4eba\u9084\u66f4\u9700\u8981\uff01\u56e0\u70ba\u5982\u679c\u6c92\u6709\u9019\u7b46\u6e96\u5099\u91d1\uff0c\u4e00\u500b\u7a81\u767c\u4e8b\u4ef6\u53ea\u6703\u8b93\u8ca0\u50b5\u8b8a\u66f4\u591a\uff0c\u628a\u8ca1\u52d9\u72c0\u6cc1\u63a8\u5411\u66f4\u6df1\u7684\u6df1\u6df5…..<\/p>\n","protected":false},"author":1,"featured_media":6001,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[709],"tags":[288,32,269,261,384],"wps_subtitle":"","_links":{"self":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts\/1886"}],"collection":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/comments?post=1886"}],"version-history":[{"count":2,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts\/1886\/revisions"}],"predecessor-version":[{"id":7933,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/posts\/1886\/revisions\/7933"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/media\/6001"}],"wp:attachment":[{"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/media?parent=1886"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/categories?post=1886"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.17rich.com\/wp-json\/wp\/v2\/tags?post=1886"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}