10 steps to boost your financial health -- that you can do in a day | Your Money and Your Mind

Transcriber:

We all know you should take a sick day

Translator: Aznah Binti Arshad Reviewer: Hui Bin Go

Kita semua tahu perlu ambil hari cuti

or a mental health day

hari kesihatan mental

or even a personal day.

atau hari persendirian.

But a financial day is just as important.

Namun hari kewangan juga penting.

[Your Money and Your Mind with Wendy De La Rosa]

[Wang dan Minda Anda bersama Wendy De La Rosa]

You deserve to take time to get your life in order

Anda patut luangkan masa untuk perbaiki hidup anda

when you aren't on edge and under pressure.

ketika anda tidak terdesak dan tertekan.

Employers, if you're watching this: you should also think about

Majikan, jika anda sedang menonton: anda patut pertimbangkan

giving your employees a financial health day.

memberi pekerja anda hari kesihatan kewangan.

Throughout this series,

Sepanjang siri ini,

I've shared ways that you can change your environment

saya telah kongsi cara anda ubah persekitaran anda

so you can spend less and save more.

supaya boleh kurang belanja dan tambah simpanan.

But the secret ingredient for each tip has been time:

Ramuan rahsia untuk setiap petua adalah masa:

calling your credit card company to change your interest rate takes time;

hubungi syarikat kad kredit untuk ubah kadar faedah libatkan masa;

deleting an app off your phone takes time.

padam aplikasi dari telefon libatkan masa.

And if you haven't had time to put these changes into action,

Jika anda tiada masa untuk bertindak melakukan perubahan,

this is your chance.

inilah peluang anda.

Mark a day on your calendar right now

Tanda satu hari pada kalendar anda sekarang

to devote to reorganizing your finances.

untuk tumpukan pada menyusun semula kewangan anda.

Really commit to this day

Benar-benar tetapkan hari ini

and make that day as productive as possible.

dan jadikan hari itu produktif.

But here are the big headlines that are the most important to cover,

Ini adalah perkara utama yang paling penting untuk lakukan,

both from earlier episodes and beyond.

sejak dari episod pertama dan seterusnya.

So first I want you to focus on your fixed expenses.

Mula-mula saya mahu anda fokus kepada perbelanjaan tetap.

Take the day to evaluate your bills.

Tetapkan sehari untuk nilai semula bil anda.

Can you truly afford your housing payment?

Adakah anda benar-benar mampu bayar rumah anda?

Is it time to start looking for a cheaper place?

Adakah ini masanya mencari rumah lebih murah?

Do you need to switch to a low-cost cell phone provider?

Adakah anda perlu tukar kepada penyedia telefon lebih murah?

Do you need to trade in your car for something else?

Adakah anda perlu tukar kereta dengan yang lain?

This is the day where I really want you to think about

Inilah hari yang saya mahu anda fikirkan tentang

those large fixed expenses

perbelanjaan tetap yang tinggi itu

and make that one-time change.

dan buat satu perubahan.

Number two: sign up for the boring-but-necessary stuff.

Kedua, langgan sesuatu yang membosankan tetapi perlu.

Do you have life insurance?

Adakah anda ada insurans hayat?

No? Sign up now.

Tiada? Langgan sekarang.

Are you enrolled in your company's 401(k)?

Adakah anda sertai 401(k) syarikat?

No? Sign up now.

Tidak? Langgan sekarang.

Are you contributing enough to that 401(k)?

Adakah anda sumbang secukupnya ke dalam 401(k) tersebut?

No? Edit your contribution rate right now.

Tidak? Tukar kadar sumbangan anda sekarang.

Number three: if you haven't already,

Ketiga: jika anda belum lakukan,

talk to your significant other about money.

bincang dengan pasangan tentang wang.

Get on the same page; it matters.

Samakan pendapat; ia penting.

Visit the link below for a list of questions

Lawati pautan di bawah untuk dapatkan senarai soalan

to help get you started.

yang membantu anda mula.

Number four: create a singular savings goal.

Keempat: wujudkan satu matlamat simpanan.

You can start by setting up an automatic plan

Anda boleh wujudkan pelan secara automatik

so that a portion of every paycheck

supaya sebahagian dari gaji anda

goes directly into your savings account.

masuk terus ke akaun simpanan.

Number five: start paying off your debt every week,

Kelima: mula bayar hutang anda setiap minggu,

not just every month.

bukan setiap bulan.

Maybe it's your credit card debt

Mungkin ia hutang kad kredit

or your mortgage debt or whatever you have,

atau hutang rumah atau hutang apa sahaja,

you'll end up reducing more of your debt over the course of a year

supaya anda dapat kurangkan hutang dalam masa setahun

if you pay that debt more often.

jika anda lebih kerap bayar hutang.

Number six: renegotiate your credit card interest rate

Keenam: runding semula kadar kad kredit anda

and change your payment due date.

dan tukar tarikh akhir pembayaran.

Get on the phone, call your credit card company

Angkat telefon, hubungi syarikat kad kredit anda

and make your credit card company work for you.

dan jadikan syarikat kad kredit bekerja untuk anda.

Number seven: use technology to your advantage.

Ketujuh: guna teknologi untuk beri manfaat kepada anda.

Redesign your online environment

Reka semula persekitaran dalam talian anda

by unsubscribing from all your shopping newsletters

dengan henti langgan semua buletin beli belah anda

and install an ad blocker.

dan pasang sekatan iklan.

You can't spend on what you can't see.

Anda tak boleh belanja benda yang tak nampak.

Number eight: delete those distracting delivery apps.

Kelapan: padam semua aplikasi penghantaran yang mengganggu

Number nine:

Kesembilan:

now, my tips are not all about cutting back spending.

tidak semua petua saya tentang kurangkan perbelanjaan.

I want you to spend on things that increase your happiness.

Saya mahu anda berbelanja perkara yang meningkatkan kebahagiaan anda.

So focus on experiences, on spending time with others

Fokus kepada pengalaman, meluangkan masa bersama yang lain

and on expenditures that help save you time,

dan perbelanjaan yang bantu anda jimat masa,

like hiring someone to clean your house

seperti upah seseorang bersih rumah

or mow your lawn.

atau potong rumput.

That will save you time and boost your happiness.

Yang boleh jimatkan masa anda dan tingkatkan kebahagiaan.

Number 10: last but certainly not least,

Kesepuluh: akhir sekali

schedule another financial health day

jadualkan hari kesihatan kewangan anda

for a few weeks later.

untuk beberapa minggu lagi.

Chances are, you'll need to revisit some of the things

Anda mungkin perlu melihat semula beberapa perkara

you started today.

yang anda mulakan hari ini.

I know all of this may seem tedious or boring,

Saya tahu ia mungkin leceh atau membosankan

but it's better to make these vital changes

namun lebih baik buat perubahan penting ini

when you have the time to think about them,

bila anda ada masa untuk fikirkannya,

and not under the stressful conditions

dan bukan dalam keadaan tertekan

when we usually make these very important decisions.

bila kita selalu buat keputusan yang penting ini.

Not every day can be a spa day,

Bukan semua hari hari bersenang lenang,

but I think a financial day

namun saya fikir hari kewangan

will leave you feeling soothed and pampered.

akan buat anda rasa selesa dan dimanjakan.