今年春天要避免的4个财务错误
Spring isn’t just about budding plants, changing the clocks, or paying your tax bill.
It can be the perfect time to refresh financial tasks and dust off your long-term goals.
当我们开始新一轮的金融“春季大扫除”时,” here are 4 (commonly made) mistakes you can prevent 这 一年:
错误1:为2023年做预算，而不是2024年
A great first step to revitalizing your budget is a moment of reflection on 这 一年’s goals.
Think vacations, purchases, new subscriptions––has your vision changed since 2023?
你对自己有什么设想 这 一年?
And even if you’re certain your spending will be the same as it was in 2023, try not to hit “repeat.”
对你的预算做一些简单的微调, you may identify some fresh opportunities and a renewed motivation to stick to your plan.
提示把你的预算逐项审查. It can be helpful to use the 50/30/20 method as a general rule of thumb, refining it from there. That would mean 50% of your budget is for your needs; 30% is for your wants; and the last 20% would be for savings and/or debt.1
错误2:自动更新保险
Renewing your insurance every 一年 doesn't guarantee the same coverage.
你也不需要为你的车辆提供相同的保险, 你的家, 你的健康, 以及其他可保项目.
Take a look at your insurance coverage and your premiums before renewing in 2024. Check out the terms of your policies and ask your insurance provider about any changes from last 一年.
提示: Take a look at what you can bundle and/or what incentives other insurance companies offer. If you’ve been loyal to a particular company and your premiums have gone up (yet again), now could be a great time to explore some new quotes and consider any “new customer” discounts you may qualify for.
错误#3:忽视你的储蓄
你最大的财务遗憾是什么?
Most of us say not saving enough for retirement or a rainy day tops the list.2
Revisiting your saving strategies and habits 一年ly (if not more) can help ease the stress if and when those “rainy days” occur.
今年, 考虑更深入地了解你的账户, 这是否意味着要拨出更多资金用于储蓄, 抛弃一些坏习惯, 或者提高你的金融知识.
提示: Set up automatic bank transfers to deposit a set amount into your savings account every week or month. 你也可以使用应用程序来跟踪你的储蓄, 找到折扣, and deposit the change from your purchases into your savings account. 走自动路线可以帮助你坚持到底.
错误#4:一次关闭太多信用账户
You don’t want to keep old credit cards lying around—but you also be mindful about how and when you shut down your existing lines of credit.
如果你打扫得太快，你可能会损害你的信用评分.
考虑 为什么 you want to close existing credit accounts before shutting them down. 如果是高费用或新卡的可用奖金, explore all your options with your current card before taking action.
此外，尽量避免漫不经心 开放 新增信贷额度. First, review the terms, annual fees, and if/how the account will fit your needs.
提示: Review a copy of your credit report before you make any moves with your existing accounts. 也, consider scheduling alerts with your existing credit accounts so it’s easier to monitor them and stay on top of any suspicious activity.
一个更简单的方法来整理你的财务
Our financial lives involve a lot of moving parts that don’t necessarily keep up with our shifting plans. 不管你现在的财务目标是什么, some routine “spring cleaning" can help you make smarter decisions when it’s time for those annual renewals, 山姆大叔每年的账单, 和更多的. 金融专业人士也可以.
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