As we grow up, we gradually develop a set of our own values (价值) or beliefs. These are Influenced (影响) by society, our family, the education we receive and so on. Once this value system is set up, it's not easy to change later in life. Financial (金融) experts say that every one also has their own belief of how to manage their money. According to our different values, experts put us in three kind. They are: the ant, the cricket (蟋蟀) and the snail. (蜗牛)
★ The ant-work first
Just like ants who work heart and soul in summer in order to store food for winter, these people don't care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks (股票基金) with low risk
★ The cricket- fun first
The cricket wants to enjoy everything now and doesn't think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance (保险).
★The snail—lives under pressure
The snail refers to people who make life difficult for themselves. They take big long-term loads (贷款) from the bank in order to buy things such as expensive houses. They are happy to take big loans even though they are not
sure they can afford (买得起) it. This can cause problems in the future. They should plan more carefully.
