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美国31岁女子泰勒3年前失业，负债近7万美元的她决定改变理财方式，只花现金、不刷卡，将各项开销分类，并把相应金额的纸钞装入信封，多余的钱也用相同方法储蓄，抖音省钱教学影片爆红后她更趁机创业，估计公司今年营收有望突破100万美元。
根据纽约邮报等报导，来自德州阿马里洛的泰勒2021年1月左右失去正职工作，靠着为药局配送处方药、美食外送员等副业几乎难以维生，「我只记得我得想着要如何度过下个月。」当时她背着6万美元学贷和9000多美元的医疗费用和信用卡债。她开始研究理财方式，在抖音看到「信封存钱法」的相关影片。
▲泰勒用透明夹层分装钞票，编号、金额等一目了然。
于是泰勒开始不刷信用卡，每个星期都会将预计支出的项目、想存的储蓄目标详细分类，把相应金额的现金钞票折起来塞到各个透明小袋子、皮夹内层、活页夹小册子等，并且写清楚编号。她说，当初她会把存起来的钱分为「还债基金」、「紧急备用金」、「汽车保养维修费」、「放假出游资金」等，若还有剩下来的钱则用于未来长期储蓄或拿来还债。
▲泰勒的皮夹中也有日常开销的分类夹层，例如外食餐费、加油油钱等。
事实上这种「信封存钱法」在签帐卡和移动支付功能问世的数十年前，经常被用于管理家庭财务。泰勒将她整理现金的方法拍成短视频，上传至抖音，引发网友热烈回响。有一些年纪较长的女网友向泰勒表示，「看到视频后就想起自己的奶奶也曾使用过这种方式理财。」泰勒说，她执行不到几个月就存到1000美元。
随着抖音视频爆红，泰勒发现看似无聊的理财内容其实有很多人想深入参与其中，这个领域有它的市场，「用普通的旧信封装钱很单调，我却到处都找不到有商家在卖可以分装、整理纸钞的东西。」泰勒2021年春天用疫情补助金1200美元成立了自己的品牌，开设电商帐户、买了需要的材料和列印机器，开始制作并贩卖用来整理现金储蓄的各式收纳夹。
▲泰勒透过网路创业，贩卖各种新式「存钱信封」，省钱教学影片带动了销售成绩。
看了视频的粉丝想要开始存钱，就会到她的店消费，从2021年4月到年底公司赚进了约25万美元，她偿还了3.2万美元的债务。泰勒的公司2022年营收达到85万美元，估计到2023年底年营收有望突破100万美元。她说，直到现在她仍习惯每周整理财务状况，留一些现金当生活开销，一些当作退休基金或其他储蓄目标，「教给观众的东西，我仍然实践在日常之中。」
负债的友友们还不快学习起来，加油！早晚都会上岸的。
领取最新办卡资费，添加 微信：sjzqb888 备注：办卡！
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在湖州市公安局南浔区分局，有这样一名特警，拥有6项国家专利，被称为“警队发明家”。他，就是南浔区公安分局巡特警大队大队长杨云龙。 从创意到设计再到产品定型，杨云龙就是敢想，从一个人…
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据广东银保监局数据，截至今年7月末，涉农贷款余额1.88万亿元，较2018年年末增长57%，连续十年保持正增长；农业保险十年来累计提供风险保障近7000亿元。值得关注的是，“保险+…
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