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基本理财方式目前美国有7320万户家庭拥有自己的房屋,占美国家庭数量的68%左右,所以购屋基本是美国人的美国梦;也是美国人的主要开支。一般一个工薪家庭需要将收人的35%到55%花在这个梦上。然后他们计划自己一个月的衣、食、行、保险,以及电话、电、气等称作utility的公用事业费。不要小看这笔数额往往只有几十美元的公用事业费,在美国申请信用卡乃至移民办身份时,经常需要公用事业账单来验明正身;因此美国人可以拖欠信用卡公司上万美元,却不愿
Basic Ways of Management At present, 73.2 million U.S. households own their own homes, accounting for about 68% of the total number of US households. Therefore, the purchase of homes is basically the American dream of the United States. It is also a major expense for Americans. In general, a working-class family needs to spend 35% to 55% of their income on this dream. Then they plan their monthly utility, utilities, food, bank, insurance, and telephone, electricity, and gas utilities. Do not underestimate this amount is often only tens of dollars in public utility bills in the United States to apply for credit card and immigration identity, often need utility bills to verify the body; so Americans can owe the credit card company tens of thousands of dollars, but do not want