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

Prevodilac: Predrag Garunović Lektor: Ivana Korom

Svi znamo kada nam treba slobodan dan za bolovanje

or a mental health day

ili za psihičko zdravlje, pa i za lične potrebe.

or even a personal day.

But a financial day is just as important.

Ali dan za finansije je jednako važan.

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

[Tvoj novac i tvoj um sa Vendi De La Rosom]

You deserve to take time to get your life in order

Zaslužuješ da izdvojiš vreme da središ svoj život

when you aren't on edge and under pressure.

kada nisi na ivici ili pod pritiskom.

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

Poslodavci, ako gledate ovo: trebalo bi da razmislite i o tome

giving your employees a financial health day.

da date svojim zaposlenima slobodan dan za finansije.

Throughout this series,

Kroz ovaj serijal,

I've shared ways that you can change your environment

delila sam načine na koje možeš da promeniš okruženje

so you can spend less and save more.

tako da trošiš manje i da štediš više.

But the secret ingredient for each tip has been time:

Ali tajni sastojak za svaki savet je vreme:

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

poziv banci da promeniš kamatnu stopu zahteva vreme;

deleting an app off your phone takes time.

brisanje aplikacije zahteva vreme.

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

Ako nisi imao vremena da započneš ove promene,

this is your chance.

sada je šansa.

Mark a day on your calendar right now

Odmah obeleži dan u svom kalendaru

to devote to reorganizing your finances.

koji ćeš posvetiti reorganizovanju svojih finansija.

Really commit to this day

Zaista se posveti da ovaj dan

and make that day as productive as possible.

budeš produktivan koliko je to moguće.

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

Ali evo bitnih saveta koji su najvažniji,

both from earlier episodes and beyond.

kako od prethodnih epizoda, tako i izvan njih.

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

Prvo želim da se fokusiraš na fiksne troškove.

Take the day to evaluate your bills.

Utroši dan da proanaliziraš račune.

Can you truly afford your housing payment?

Da li stvarno možeš da priuštiš stanarinu?

Is it time to start looking for a cheaper place?

Da li je vreme za jeftiniji stan ili kuću?

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

Da li je potrebno da smanjiš mobilnu pretplatu?

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

Da li je potrebno da zameniš auto za nešto drugo?

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

To je dan kada treba zaista da razmišljaš

those large fixed expenses

o tim velikim fiksnim troškovima

and make that one-time change.

i napraviš jednokratne promene.

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

Broj dva: prijavi se za dosadne, ali neophodne stvari.

Do you have life insurance?

Da li imaš životno osiguranje?

No? Sign up now.

Ne? Prijavi se odmah.

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

Da li si se prijavio za dobrovoljnu penziju?

No? Sign up now.

Ne? Prijavi se odmah.

Are you contributing enough to that 401(k)?

Da li dovoljno odvajaš za penziju?

No? Edit your contribution rate right now.

Ne? Povećaj iznos koji odvajaš.

Number three: if you haven't already,

Broj tri: ako već nisi,

talk to your significant other about money.

pričaj sa partnerom o novcu.

Get on the same page; it matters.

Nađite zajednički jezik, važno je.

Visit the link below for a list of questions

Poseti link ispod za spisak pitanja

to help get you started.

koja će vam pomoći da počnete.

Broj četiri: postavi jedinstveni cilj za štednju.

Number four: create a singular savings goal.

You can start by setting up an automatic plan

Možeš početi pravljenjem trajnog naloga

so that a portion of every paycheck

kojim će se deo svake plate

goes directly into your savings account.

prebacivati na štedni račun.

Number five: start paying off your debt every week,

Broj pet: otplaćuj dugovanja nedeljno,

not just every month.

ne samo jednom mesečno.

Maybe it's your credit card debt

Možda tvoj dug po kreditnoj kartici

or your mortgage debt or whatever you have,

ili stambeni kredit ili neko drugo dugovanje,

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

više ćeš smanjivati svoje dugovanje tokom godine

if you pay that debt more often.

ukoliko otplaćuješ dugovanja češće.

Number six: renegotiate your credit card interest rate

Broj šest: pregovaraj oko kamatne stope za kreditnu karticu

and change your payment due date.

i promeni datum otplate.

Get on the phone, call your credit card company

Uzmi telefon, pozovi banku

and make your credit card company work for you.

i učini da tvoja banka radi za tebe.

Number seven: use technology to your advantage.

Broj sedam: koristi prednosti tehnologija.

Redesign your online environment

Redizajniraj tvoje onlajn okruženje

by unsubscribing from all your shopping newsletters

tako što ćeš se odjaviti sa svih mejling lista koje nešto prodaju

and install an ad blocker.

i instaliraj blokator reklama.

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

Ne možeš da trošiš na ono što ne možeš da vidiš.

Number eight: delete those distracting delivery apps.

Broj osam: obriši aplikacije za dostavu koje te ometaju.

Number nine:

Broj devet:

nisu svi moji saveti o smanjenju troškova.

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

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

Želim da trošiš na stvari koje te čine srećnijim.

So focus on experiences, on spending time with others

Fokusiraj se na iskustva, na provođenje vremena sa drugima

and on expenditures that help save you time,

i na troškove koji ti štede vreme,

like hiring someone to clean your house

kao što je angažovanje nekog da ti očisti kuću

or mow your lawn.

ili pokosi travnjak.

That will save you time and boost your happiness.

To će ti uštedeti vreme i učiniti te srećnijim.

Number 10: last but certainly not least,

Broj deset: poslednje, ali ništa manje važno.

schedule another financial health day

Zakaži sledeći dan za finansijsko zdravlje

for a few weeks later.

za nekoliko sedmica.

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

Velike su šanse da treba ponovo analizirati

neke od stvari koje si započeo danas.

you started today.

I know all of this may seem tedious or boring,

Znam da sve ovo zvuči monotono i dosadno,

but it's better to make these vital changes

ali je bolje da učiniš ove važne promene

when you have the time to think about them,

kada imaš vremena da razmišljaš o njima,

and not under the stressful conditions

nego kada si u stresnim situacijama

when we usually make these very important decisions.

kada obično donosimo ove veoma važne odluke.

Not every day can be a spa day,

Ne može svaki dan biti dan za spa,

but I think a financial day

ali mislim da će dan za finansije

will leave you feeling soothed and pampered.

da te učini smirenim i opuštenijim.