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

譯者: Sichen Wei 審譯者: Amanda Zhu

我們都知道生病了要請病假，

or a mental health day

或請一天假調適心情，

有時會請個事假，

or even a personal day.

But a financial day is just as important.

但理財假也同樣重要。

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

［溫蒂·德拉羅莎的金錢和思想］

You deserve to take time to get your life in order

當你生活不那麼緊繃， 壓力不那麼大時，

when you aren't on edge and under pressure.

你該花些時間重整生活。

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

老闆們，如果你正在看這個影片，

請考慮一下給員工放個財務健康假。

giving your employees a financial health day.

Throughout this series,

透過這一系列影片，

I've shared ways that you can change your environment

我會分享改變環境的方法，

so you can spend less and save more.

讓你可以花得更少，省得更多。

But the secret ingredient for each tip has been time:

但每個秘訣的前提是要有時間：

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

打電話給信用卡公司 更換利率方案需要花時間；

deleting an app off your phone takes time.

刪除手機上的 APP 需要花時間。

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

如果你沒有時間處理這些事，

this is your chance.

那就要靠理財假了。

Mark a day on your calendar right now

現在馬上在行事曆上選一天，

to devote to reorganizing your finances.

用來重新安排你的財務事宜。

Really commit to this day

在這天認真地做這件事，

and make that day as productive as possible.

讓這天盡可能發揮最大效益。

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

在前面幾集以來，

我們談的都是一些最重要、 最值得關注的議題。

both from earlier episodes and beyond.

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

首先，把注意力放在固定支出上，

Take the day to evaluate your bills.

利用這天重新審視你的帳單。

Can you truly afford your housing payment?

你真的負擔得起目前的住房開銷嗎？

Is it time to start looking for a cheaper place?

是不是該找個便宜些的住處？

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

是不是需要換個低價的電信業者？

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

是不是需要賣掉車子去買些別的東西？

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

我要你把那些固定的大額支出

those large fixed expenses

在這天想清楚，

and make that one-time change.

並一次就改掉。

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

第二：參加一些無趣但必要的東西。

Do you have life insurance?

你有人壽保險嗎？

No? Sign up now.

沒有？現在就去投保。

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

你參加了公司的 401(k) 退休儲蓄計畫嗎？

No? Sign up now.

沒有？現在就去參加。

Are you contributing enough to that 401(k)?

你投入 401(k) 退休儲蓄計畫的錢夠嗎？

No? Edit your contribution rate right now.

不夠？現在就去調整提繳率。

Number three: if you haven't already,

第三：如果你還沒有

talk to your significant other about money.

跟你的另一半談論過金錢。

Get on the same page; it matters.

趕快跟他達成共識，這很重要。

Visit the link below for a list of questions

去下面的連結看看，

to help get you started.

裡面列的問題能幫你理出頭緒。

Number four: create a singular savings goal.

第四：只要制定一個儲蓄目標。

You can start by setting up an automatic plan

你可以設定自動存款的計劃，

so that a portion of every paycheck

將每次薪水中的一部分

goes directly into your savings account.

直接匯進儲蓄帳戶。

Number five: start paying off your debt every week,

第五：償還債務時採用每週還款，

not just every month.

而不是每月還款。

Maybe it's your credit card debt

不論是你的卡債、

or your mortgage debt or whatever you have,

房貸或其他任何債務，

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

如果你償還債務的次數更頻繁，

if you pay that debt more often.

每年清償的債務就會更多。

Number six: renegotiate your credit card interest rate

第六：重新協商你的信用卡利率，

and change your payment due date.

並變更你的還款日期。

Get on the phone, call your credit card company

拿起電話，打給信用卡公司，

and make your credit card company work for you.

他們有責任要替你服務。

Number seven: use technology to your advantage.

第七：好好利用科技。

Redesign your online environment

取消訂閱所有購物訊息

by unsubscribing from all your shopping newsletters

並安裝廣告攔截軟體

來重新塑造你的網絡環境；

and install an ad blocker.

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

眼不見為淨，錢就會留在荷包裡。

Number eight: delete those distracting delivery apps.

第八：刪除令人蠢蠢欲動的外送 APP。

Number nine:

第九：

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

我提供的技巧不全是減少開支。

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

我想讓你把錢花在 能提升幸福感的東西上，

So focus on experiences, on spending time with others

所以要著重在體驗生活， 花時間與他人相處，

and on expenditures that help save you time,

把錢投入在能幫你節省時間的開銷上，

like hiring someone to clean your house

像是雇人打掃你的房屋

or mow your lawn.

或幫你除草。

That will save you time and boost your happiness.

這些會節省你的時間， 增加你的幸福感。

Number 10: last but certainly not least,

第十：雖然是最後一項，但一樣重要；

schedule another financial health day

在幾週之後

for a few weeks later.

排定另一個財務健康假。

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

屆時你可能需要重新考量

某些你今天做的事情。

you started today.

I know all of this may seem tedious or boring,

我知道這些事做起來可能枯燥乏味，

but it's better to make these vital changes

但在你有時間思考這些事情時，

when you have the time to think about them,

最好趕快做出這些重要的改變，

and not under the stressful conditions

不要像很多人都是等到壓力很大的時候

when we usually make these very important decisions.

才做這些重要的決定，

Not every day can be a spa day,

我們不可能每天都輕鬆愉悅，

but I think a financial day

但放一天理財假 能讓你舒緩心情並感到被寵愛。

will leave you feeling soothed and pampered.