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

339,731 views

2021-03-03 ・ TED


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

339,731 views ・ 2021-03-03

TED


Please double-click on the English subtitles below to play the video.

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Transcriber:
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We all know you should take a sick day
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Prevodilac: Predrag Garunović Lektor: Ivana Korom
Svi znamo kada nam treba slobodan dan za bolovanje
00:01
or a mental health day
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ili za psihičko zdravlje, pa i za lične potrebe.
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or even a personal day.
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00:04
But a financial day is just as important.
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Ali dan za finansije je jednako važan.
00:07
[Your Money and Your Mind with Wendy De La Rosa]
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[Tvoj novac i tvoj um sa Vendi De La Rosom]
00:11
You deserve to take time to get your life in order
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Zaslužuješ da izdvojiš vreme da središ svoj život
00:14
when you aren't on edge and under pressure.
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kada nisi na ivici ili pod pritiskom.
00:16
Employers, if you're watching this: you should also think about
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Poslodavci, ako gledate ovo: trebalo bi da razmislite i o tome
00:20
giving your employees a financial health day.
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da date svojim zaposlenima slobodan dan za finansije.
00:22
Throughout this series,
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Kroz ovaj serijal,
00:23
I've shared ways that you can change your environment
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delila sam načine na koje možeš da promeniš okruženje
00:26
so you can spend less and save more.
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tako da trošiš manje i da štediš više.
00:28
But the secret ingredient for each tip has been time:
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Ali tajni sastojak za svaki savet je vreme:
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calling your credit card company to change your interest rate takes time;
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poziv banci da promeniš kamatnu stopu zahteva vreme;
00:35
deleting an app off your phone takes time.
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brisanje aplikacije zahteva vreme.
00:37
And if you haven't had time to put these changes into action,
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Ako nisi imao vremena da započneš ove promene,
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this is your chance.
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sada je šansa.
00:42
Mark a day on your calendar right now
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Odmah obeleži dan u svom kalendaru
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to devote to reorganizing your finances.
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koji ćeš posvetiti reorganizovanju svojih finansija.
00:47
Really commit to this day
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Zaista se posveti da ovaj dan
00:49
and make that day as productive as possible.
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budeš produktivan koliko je to moguće.
00:52
But here are the big headlines that are the most important to cover,
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Ali evo bitnih saveta koji su najvažniji,
00:55
both from earlier episodes and beyond.
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kako od prethodnih epizoda, tako i izvan njih.
00:58
So first I want you to focus on your fixed expenses.
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Prvo želim da se fokusiraš na fiksne troškove.
01:01
Take the day to evaluate your bills.
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Utroši dan da proanaliziraš račune.
01:03
Can you truly afford your housing payment?
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Da li stvarno možeš da priuštiš stanarinu?
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Is it time to start looking for a cheaper place?
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Da li je vreme za jeftiniji stan ili kuću?
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Do you need to switch to a low-cost cell phone provider?
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Da li je potrebno da smanjiš mobilnu pretplatu?
01:11
Do you need to trade in your car for something else?
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Da li je potrebno da zameniš auto za nešto drugo?
01:14
This is the day where I really want you to think about
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To je dan kada treba zaista da razmišljaš
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those large fixed expenses
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o tim velikim fiksnim troškovima
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and make that one-time change.
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i napraviš jednokratne promene.
01:20
Number two: sign up for the boring-but-necessary stuff.
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Broj dva: prijavi se za dosadne, ali neophodne stvari.
01:24
Do you have life insurance?
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Da li imaš životno osiguranje?
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No? Sign up now.
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Ne? Prijavi se odmah.
01:26
Are you enrolled in your company's 401(k)?
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Da li si se prijavio za dobrovoljnu penziju?
01:29
No? Sign up now.
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Ne? Prijavi se odmah.
01:30
Are you contributing enough to that 401(k)?
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Da li dovoljno odvajaš za penziju?
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No? Edit your contribution rate right now.
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Ne? Povećaj iznos koji odvajaš.
01:35
Number three: if you haven't already,
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Broj tri: ako već nisi,
01:37
talk to your significant other about money.
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pričaj sa partnerom o novcu.
01:39
Get on the same page; it matters.
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Nađite zajednički jezik, važno je.
01:42
Visit the link below for a list of questions
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Poseti link ispod za spisak pitanja
01:44
to help get you started.
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koja će vam pomoći da počnete.
Broj četiri: postavi jedinstveni cilj za štednju.
01:46
Number four: create a singular savings goal.
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01:49
You can start by setting up an automatic plan
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Možeš početi pravljenjem trajnog naloga
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so that a portion of every paycheck
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kojim će se deo svake plate
01:53
goes directly into your savings account.
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prebacivati na štedni račun.
01:55
Number five: start paying off your debt every week,
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Broj pet: otplaćuj dugovanja nedeljno,
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not just every month.
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ne samo jednom mesečno.
02:00
Maybe it's your credit card debt
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Možda tvoj dug po kreditnoj kartici
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or your mortgage debt or whatever you have,
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ili stambeni kredit ili neko drugo dugovanje,
02:03
you'll end up reducing more of your debt over the course of a year
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više ćeš smanjivati svoje dugovanje tokom godine
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if you pay that debt more often.
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ukoliko otplaćuješ dugovanja češće.
02:09
Number six: renegotiate your credit card interest rate
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Broj šest: pregovaraj oko kamatne stope za kreditnu karticu
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and change your payment due date.
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i promeni datum otplate.
02:14
Get on the phone, call your credit card company
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Uzmi telefon, pozovi banku
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and make your credit card company work for you.
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i učini da tvoja banka radi za tebe.
02:19
Number seven: use technology to your advantage.
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Broj sedam: koristi prednosti tehnologija.
02:22
Redesign your online environment
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Redizajniraj tvoje onlajn okruženje
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by unsubscribing from all your shopping newsletters
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tako što ćeš se odjaviti sa svih mejling lista koje nešto prodaju
02:28
and install an ad blocker.
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i instaliraj blokator reklama.
02:29
You can't spend on what you can't see.
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Ne možeš da trošiš na ono što ne možeš da vidiš.
02:32
Number eight: delete those distracting delivery apps.
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Broj osam: obriši aplikacije za dostavu koje te ometaju.
02:35
Number nine:
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Broj devet:
nisu svi moji saveti o smanjenju troškova.
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now, my tips are not all about cutting back spending.
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02:39
I want you to spend on things that increase your happiness.
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Želim da trošiš na stvari koje te čine srećnijim.
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So focus on experiences, on spending time with others
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Fokusiraj se na iskustva, na provođenje vremena sa drugima
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and on expenditures that help save you time,
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i na troškove koji ti štede vreme,
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like hiring someone to clean your house
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kao što je angažovanje nekog da ti očisti kuću
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or mow your lawn.
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ili pokosi travnjak.
02:53
That will save you time and boost your happiness.
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To će ti uštedeti vreme i učiniti te srećnijim.
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Number 10: last but certainly not least,
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Broj deset: poslednje, ali ništa manje važno.
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schedule another financial health day
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Zakaži sledeći dan za finansijsko zdravlje
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for a few weeks later.
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za nekoliko sedmica.
03:02
Chances are, you'll need to revisit some of the things
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Velike su šanse da treba ponovo analizirati
neke od stvari koje si započeo danas.
03:05
you started today.
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03:06
I know all of this may seem tedious or boring,
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Znam da sve ovo zvuči monotono i dosadno,
03:08
but it's better to make these vital changes
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ali je bolje da učiniš ove važne promene
03:11
when you have the time to think about them,
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kada imaš vremena da razmišljaš o njima,
03:13
and not under the stressful conditions
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nego kada si u stresnim situacijama
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when we usually make these very important decisions.
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kada obično donosimo ove veoma važne odluke.
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Not every day can be a spa day,
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Ne može svaki dan biti dan za spa,
03:20
but I think a financial day
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ali mislim da će dan za finansije
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will leave you feeling soothed and pampered.
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da te učini smirenim i opuštenijim.
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