“理财计划是用来帮助你掌控自己的钱财、而非让它反过来掌控你的办法。”Martin说道。理财其实是为了实现“财务自由”,而非约束你花钱。要想坚持下去,Martin的建议是——设立一笔小额月奖励,来鼓励自己每个月的成功。无论你用这笔奖励干嘛(比如吃饭、做指甲、买衣服),记得拍张照,并放在肉眼可见的地方,帮助你循序渐进地达成目标。
6. Reduce Debt
6. 减少债务
Whether you're tens, hundreds or thousands of dollars in debt, reducing that debt takes dedication and diligence. To start, do not accrue any more debt and instead only spend within your means. To reduce the debt you already have, list all your debts from smallest to largest. "Start by paying off the smallest debt," suggested Martin, who explains that the reward of paying it off can motivate you to work on your larger debts, too. If necessary, work with a financial specialist to help you create a plan of attack.
无论你正身负几千、几百或几十美元的债,想达成这个目标,需要奉献和勤勉的精神。第一步要做到“不再欠更多债”,而只在可承受的范围内开销。若想偿还债务,先列一张表,把每笔债务从小到大清点一遍。“从最小一笔开始还”,Martin这样建议。她解释道,因为每偿还一笔,你都将得到良性的促进和鼓舞,这样一来,大的债务也能渐渐被偿还了。有必要的话,也可以请一个理财专家,来帮助你设立“作战计划”。
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