7個(gè)快速解決財(cái)務(wù)問(wèn)題的方案

Some financial fixes – from repairing your credit scoreto funding your retirement – can take years to pull off. Others take just a few minutes.

一些財(cái)務(wù)上的補(bǔ)救措施——從修復(fù)你的信用記錄到為你提供退休資金——可能需要數(shù)年時(shí)間才能完成。其他方法只需要幾分鐘。

Review your credit card statement.

檢查你的信用卡對(duì)賬單.

Sit down with your credit card bill and conduct an audit of your expenditures, including ones made impulsively. Use this exercise to learn from your past emotional spending mistakes – and avoid them in the future.

拿著你的信用卡賬單坐下來(lái)，對(duì)你的支出進(jìn)行審計(jì)，包括那些沖動(dòng)的支出。利用這個(gè)方法，從你過(guò)去的情感消費(fèi)錯(cuò)誤中吸取教訓(xùn)，并在未來(lái)避免它們。

Bundle your insurance.

捆綁你的保險(xiǎn)。

Having one company cover your disparate insurance needs can be a money-smart move. "You may be entitled to a better rate if you bundle your homeowner's, auto insurance policies under one company," Wright writes.

讓一家公司來(lái)滿足你不同的保險(xiǎn)需求可能是一個(gè)省錢的好辦法。賴特寫(xiě)道:“如果你把房產(chǎn)、汽車保險(xiǎn)政策捆綁在一家公司里，你可能會(huì)享受到更好的保險(xiǎn)費(fèi)率。”

Phone your cable company.

給你的有線電視公司打電話。

Dial up your cable provider at least once per year to renegotiate your cable package. You may be able to get your bill reduced.

每年至少給你的有線電視供應(yīng)商打一次電話，重新協(xié)商你的有線電視套餐。你也許能減少你的帳單。

Go digital.

數(shù)字化。

Sign up for a digital money-management system, such as Quicken or Mint.com, to track your spending – and potentially reduce making impulse purchases and overdrawing your account.

注冊(cè)一個(gè)數(shù)字理財(cái)系統(tǒng)，比如Quicken或Mint.com，跟蹤你的支出情況，這可能會(huì)減少?zèng)_動(dòng)購(gòu)物和透支賬戶。

Request a free credit report.

申請(qǐng)免費(fèi)信用報(bào)告。

Request your free annual credit report from each of the three credit-reporting bureaus at annualcreditreport.com. "Make sure you are aware of all the credit in your name and (that) you don't have any unexpected outstanding debt," writes Bethany Griffith, a certified financial planner in Columbia, South Carolina. "Reviewing your credit report is also a way to catch if you have been a victim of identity theft," Griffith adds.

在annualcreditreport.com上向這三個(gè)信用報(bào)告機(jī)構(gòu)的每個(gè)機(jī)構(gòu)索取免費(fèi)的年度信用報(bào)告。南卡羅來(lái)納州哥倫比亞市注冊(cè)理財(cái)規(guī)劃師貝瑟尼•格里菲斯寫(xiě)道:“確保你清楚自己名下的所有信用記錄，并且沒(méi)有任何意外的未償債務(wù)。”Griffith補(bǔ)充道:“查看你的信用報(bào)告也是一種發(fā)現(xiàn)你是否是身份盜竊的受害者的方法。”

Unsubscribe.

退訂。

"You'll be much less tempted to overspend on your clothing/tech/fun budget if you aren't bombarded with daily emails about all the 'stuff' you could buy," Griffith writes.

格里菲思寫(xiě)道:“如果你沒(méi)有每天收到大量關(guān)于你能買到的所有‘東西’的電子郵件，你就不會(huì)那么容易在服裝/科技/娛樂(lè)預(yù)算上超支。”

Raise your insurance deductible.

提高你的保險(xiǎn)免賠額。

Carve out extra room in your monthly budget by raising your auto insurance deductible, thereby lowering your premiums.

通過(guò)提高汽車保險(xiǎn)的免賠額，在你的每月預(yù)算中留出額外的空間，從而降低你的保費(fèi)。