Many people will start the new year having made personal resolutions to lose weight, drink less, stop smoking or become better at staying in touch with family members and friends. But New Year's is also a good time to recommit to financial goals that keep you and your family on a sound financial track. As prescribed by financial experts, here are some money resolutions to consider:
新年伊始,许多人都定下了个人的新年决心,比如减肥、少喝酒、戒烟或增强与家人和朋友的联系等。除此之外,新年也是一个坚守让你和你的家人处于良好财务轨道的财务目标的好时机。以下来自理财专家的一些理财计划供读者考虑:
Make a budget and stick to it: No one likes to cut down on spending, but doing so might improve your financial life in the long run. You can start by compiling a spreadsheet of expected costs using your past year's spending and income. If you've found it hard to stay on target in the past (say, you keep buying that pricey latte every day), add 'accountability, some reward system that because we've been successful, we're going to do certain things that we might not have been able to do otherwise,' says Wesley Clayton, managing director of Twickenham Wealth Advisors in Huntsville, Ala.
制定预算计划并坚持执行:没有人喜欢削减开支,但是这么做也许能改善你长远的财务状况。你可以从借鉴去年的收支情况编制一份预期开支表开始。阿拉巴马州亨茨维尔(Huntsville) Twickenham Wealth Advisors公司的董事总经理韦斯利・克莱顿(Wesley Clayton)说,如果你发现自己过去很难坚持目标(比如你每天都买价格贵的拿铁咖啡),那就加上“责任制,某种奖励制度:因为我们的成功坚持,所以我们可以去做些本来可能不能够去做的事情”。
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