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

翻译人员: Gia Hwang 校对人员: Carol Wang

我们都知道你有病假

or a mental health day

或心理健康日时正常的，

or even a personal day.

甚至是属于个人的一天，

But a financial day is just as important.

但财务日同样重要。

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

[温迪谈金钱和思想]

You deserve to take time to get your life in order

当你心态正常、压力不大时，

应该花时间让自己的生活井然有序。

when you aren't on edge and under pressure.

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

如果正在观看的你是老板：

giving your employees a financial health day.

你该考虑为员工提供财务健康日。

Throughout this series,

在整个系列中，

I've shared ways that you can change your environment

我分享了可以改变环境的方法，

so you can spend less and save more.

这样会令你花钱更少、省钱更多。

But the secret ingredient for each tip has been time:

但每个技巧的秘诀就是时间：

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

致电信用卡公司更改利率需要时间；

deleting an app off your phone takes time.

从手机上删除应用程序需要时间。

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

若你尚无时间将这些改变付诸行动，

this is your chance.

这是你的机会。

Mark a day on your calendar right now

立即在日历上标记一天，

to devote to reorganizing your finances.

用于整理财务。

Really commit to this day

这一天要认真投入，

and make that day as productive as possible.

并尽可能让这一天富有成效。

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

下面是最重要的要点，

both from earlier episodes and beyond.

无论是从开头还是后续。

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

首先，希望你关注你的固定开支。

Take the day to evaluate your bills.

花一天时间评估您的账单。

Can you truly afford your housing payment?

你真能负担得起住房贷款吗？

Is it time to start looking for a cheaper place?

是否找更便宜的地方呢？

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

是否需要换便宜点的的手机供应商？

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

需要把用车成换别的东西吗？

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

这是这一天我真正想让你思考的

those large fixed expenses

那些大笔的固定开支，

and make that one-time change.

并进行一次性更改。

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

第二：注册无聊但必要的东西。

Do you have life insurance?

你有人寿保险吗？

No? Sign up now.

不？ 立即注册。

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

是否参加了公司的 401(k)？

No? Sign up now.

否？现在就注册。

Are you contributing enough to that 401(k)?

你 401(k) 的交款是否足够？

No? Edit your contribution rate right now.

不？ 立即更改缴款率。

Number three: if you haven't already,

第三：如果你还没和伴侣讨论过钱，

talk to your significant other about money.

与你的另一半谈论金钱。

Get on the same page; it matters.

双方意见一致，这很重要。

Visit the link below for a list of questions

下方链接获取问题列表，

to help get you started.

帮你尽快入门。

Number four: create a singular savings goal.

第四：制定单一储蓄目标。

You can start by setting up an automatic plan

从设置自动计划开始，

so that a portion of every paycheck

这样你每份薪水的一部分

goes directly into your savings account.

直接进入储蓄账户。

Number five: start paying off your debt every week,

第五：开始每周还债务，

not just every month.

不仅仅是每个月。

Maybe it's your credit card debt

也许是信用卡还款、

or your mortgage debt or whatever you have,

抵押贷款或你拥有的任何东西，

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

如果你还款频繁，

if you pay that debt more often.

一年内最终会更多减少债务，

Number six: renegotiate your credit card interest rate

第六：重新协商你的信用卡利率，

and change your payment due date.

并更改付款到期日。

Get on the phone, call your credit card company

给你的信用卡公司打电话，

and make your credit card company work for you.

并让信用卡公司为你服务。

Number seven: use technology to your advantage.

第七点：利用技术为你带来优势。

Redesign your online environment

重新设计在线环境：

by unsubscribing from all your shopping newsletters

退订所有购物讯息，

and install an ad blocker.

并安装广告拦截器。

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

看不到的东西就不会乱花钱。

Number eight: delete those distracting delivery apps.

第八：删除那些分心的交付 APP。

Number nine:

第九条：

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

我的建议不仅仅是削减开支，

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

我希望你把钱花在 增加幸福感的事情上。

So focus on experiences, on spending time with others

所以专注于体验、 花时间与他人相处、

and on expenditures that help save you time,

以及有助于节省时间的支出，

like hiring someone to clean your house

比如雇人打扫房子

or mow your lawn.

或修剪草坪。

That will save you time and boost your happiness.

这将节省时间并增加幸福感。

Number 10: last but certainly not least,

第十：最后但同样重要的是，

schedule another financial health day

几周以后，

安排另一个财务健康日。

for a few weeks later.

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

很有可能你需要重新审视

you started today.

今天开始做的一些事情。

I know all of this may seem tedious or boring,

我知道这一切 可能看起来乏味或无聊，

but it's better to make these vital changes

但当我们通常做出 这些非常重要的决定时，

when you have the time to think about them,

最好在有时间考虑它们时

and not under the stressful conditions

做出这些重要的改变，

when we usually make these very important decisions.

而不是在压力条件下。

Not every day can be a spa day,

并非每天都可以是做 spa 的日子，

but I think a financial day

但我认为财务日

will leave you feeling soothed and pampered.

会让你感到舒适而且享受。