Second best are charge cards that require payment in full each month. Ever since I paid off my last credit-card debt in 1996, I have only used a charge card or a debit card. It gets tough, especially around big events such as Christmas. But its nice to not have a tempting and expensive option in the wallet.

第二个最佳选择是每个月需要全额还款的签帐卡。从1996年我把最后一笔信用卡帐单付清之后，就只用签帐卡或借记卡了。虽然不容易，特别是在圣诞节这样的大日子前后。不过钱包里没有诱人而用价不菲的信用卡，也不错。

4. Rebalance your investments. 平衡投资

Last year, rebalancing meant adding to stock exposure after a year of steep stock losses. That notion felt mildly crazy at the time, but it proved wise.

在去年，平衡投资就意味着在一年的股市投资巨亏之后增加股市敞口。当时这种想法感觉有些疯狂，不过事实证明是明智之举。

Thats because stocks rallied from the March lows and put in a remarkably strong year. Now, most of us are probably too heavy on the stock side of the equation. Moving some of the money into bonds or even cash to regain balance would be prudent.

这是因为股市从3月份低点大幅上涨，一年的涨势都非常强劲。如今，我们大部分人的投资或许都过于偏重股票。把投资股市的一部分钱用于债市甚至是持有现金，以恢复投资平衡，这会是一种谨慎的做法。

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