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新年理财计划

所属:生活杂谈 来源:www.rd.com 阅读:5563 次 评论:0 条 [我要评论]  [+我要收藏]

小编摘要:是不是一年下来挣得钱又所剩无几了? 到了该好好理财的时候了,如果您新年的决心是来年好好理财,那么本文绝对值得您一读!

导读:

是不是一年下来挣得钱又所剩无几了? 到了该好好理财的时候了,如果您新年的决心是来年好好理财,那么本文绝对值得您一读!

bonus


1. Divvy up any unexpected income

合理分配额外收入

When you have a windfall — a bonus, gift, or extra cash for extra work — use the rule of thirds to determine how to use it:
One third for the past. Use one third to pay down debt you owe.

One third for the future. Put a second third immediately into some sort of savings or investment.

One third for the present. Use the final third to make a home or personal improvement or purchase you want.

If you follow this rule, you'll see your debt shrink and your savings grow, and you won't feel deprived.

2. Keep a slush fund handy
建立一个紧急备用基金库


Something — be it a car repair, an emergency root canal, or a job layoff — always comes up to throw you off your monthly budget. To keep these incidents from running you into debt, you need to have an emergency stash in an easily accessible account, preferably a money market account (they earn a little more interest than regular savings accounts).

How much is enough?

Easy. Track all of your spending for a month (including everything from your mortgage payment to lunch at the deli), and multiply that monthly total by three. That three-month operating budget is a scary number, eh? Well, this is the minimum you should have on hand in case the roof caves in (literally or figuratively) and you need some dough to get you through the rough spots. And don't worry if this money isn't accruing the big interest; it's there for emergencies.

3. Ditch the ATM card
不用ATM卡


We're always making impulse purchases, from a pack of gum at the supermarket checkout line to that new Van Halen-meets-bluegrass CD. How can you stop your bank account from hemorrhaging? Take a page from the old-timers and shred your ATM card. It's just too easy to take out money at the local 7-Eleven when you're jonesing for a Snickers bar at 2 a.m. Instead, figure out how much cash you'll need each week for your regular, cash-based purchases (things like lunch at the cafeteria and your daily cup of coffee), head on over to the bank teller's window, and get your walking-around money for the week. With a finite amount of cash, you'll start to think twice before those spur-of-the-moment spending sprees.
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2011-12-29 14:57 编辑:kuaileyingyu
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