克莱顿说,另一个方法是自问哪笔债务“是最让你本人心神不宁的。什么让你晚上睡不着觉?它也许不是利息最高的那笔债务,(最让你担忧的)可能是以最重要的一处房产作担保的那笔债”。
Stephen Smith, chief executive of South Jordan, Utah, financial-services firm Finicity, suggests trying to get rid of your smallest debt in the first 90 days of the year. Once that's accomplished, you'll be encouraged to retire other debts.
犹他州南乔丹(South Jordan)理财服务公司Finicity的首席执行长斯蒂芬・史密斯(Stephen Smith)建议,可尝试在新年的头90天中还清数额最小的债务。一旦完成了这个目标,你就会受到鼓舞去还清其他债务。
Make an estate plan: You might not have a Downton Abbey manor house or a trust fund for the kids, but you still need an estate plan. Without one, 'you don't have control, and it's a lot slower and a lot more costly,' says Rob Robertson, an estate and probate lawyer in Austin, Texas. But 'if you have a will, you can choose the objects of your affection,' including favorite charities.
制定遗产计划:或许你没有像唐顿庄园那样的豪宅,也没有给孩子们设立的信托基金,但是你仍需要一个遗产计划。得克萨斯遗产事务及遗嘱认证律师罗布・罗伯逊(Rob Robertson)称,如果没有遗产计划,“你会失去控制,处理事情要慢得多,成本也会高很多”。不过,“如果你立了遗嘱,你可以选择你喜欢的受益人”,包括你最喜欢的慈善基金。
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