新年理财计划
T在这里 has never been a better time to start planning for your future than right now, 尤其是当涉及到你的财务状况时.
Start the new year on a positive note by forming some good financial 习惯s to help you stay on top of your finances all year long. 这里有一些建议可以帮助你开始.
检讨你的pp王者电子官网政策
- 在日历上划出时间来 查看你的账户.
- Review rates, beneficiaries, insured amounts and more.
- Give a trusted family member important access information.
限制不良的消费习惯
- 目标一 习惯 such as online shopping when you're bored or eating out.
- 设定一个现实的目标和明确的限制.
- 识别并避免触发因素.
Build up at least three months of emergency savings
- Calculate using essential monthly expenses only.
- 确保它是 方便处理紧急情况.
- Save more if your job is unstable or you're supporting others.
制定一个计划来偿还不想要的债务
- 要求降低利率.
- 首先关注 最高利率或最低余额.
- Make a larger monthly payment by cutting spending elsew在这里.
Prioritize that account you've been meaning to open
- 想想:人寿pp王者电子官网单，个人退休账户， 孩子的大学储蓄，度假基金.
- Determine your goal and calculate a savings plan.
- 设置一个适度的每月自动还款.
保证每月有一天(或周末)不花钱
- 做一个“有趣又自由“娱乐名单”.
- 用完冰箱或食品柜里的食物.
- Make time for crafts, organization or home projects.
