大多數(shù)美國人相信他們將在2030年實現(xiàn)他們的財務(wù)目標

大多數(shù)美國人相信他們將在2030年實現(xiàn)他們的財務(wù)目標

A new decade is a time for new resolutions and seven in 10 Americans are optimistic they’ll achieve their financial goals by 2030, according to a new survey.

一項最新調(diào)查顯示，新十年是制定新計劃的時候，70%的美國人對2030年實現(xiàn)財務(wù)目標持樂觀態(tài)度。

From buying a house (51 percent) to going debt-free (56 percent), people are thinking ahead and want to use the new year to start planning their financial future.

從買房(51%)到無債務(wù)(56%)，人們都想在新的一年開始規(guī)劃自己的財務(wù)未來。

Other major milestone goals for the new decade included taking a dream vacation (40 percent), getting married (38 percent) and becoming financially independent (36 percent).

新十年的其他主要里程碑目標包括:夢想之旅(40%)、結(jié)婚(38%)和經(jīng)濟獨立(36%)。

The survey of 2,000 Americans examined the resolutions and expectations people have when it comes to their wallets. Many are taking it seriously, as 44 percent already have a specific goal in mind for 2020.

這項共有2000名美國人參加的調(diào)查主要考察了人們在花錢方面的決心和期望。許多人都很認真，因為44%的人已經(jīng)有了2020年的具體目標。

Conducted by OnePoll and commissioned by CreditWise from Capital One, the survey found things are looking up for 2020 since three in five (63 percent) are “very confident” they’ll make their New Year’s financial resolutions a reality.

這項由OnePoll和CreditWise委托Capital One進行的調(diào)查發(fā)現(xiàn)，2020年的情況正在好轉(zhuǎn)，因為五分之三(63%)的受訪者“非常有信心”實現(xiàn)自己的新年財務(wù)計劃。

It might take some creative methods to pinch pennies, but respondents are up to the task. Half of those with a 2020 monetary resolution plan (51 percent) will be putting more money from their paycheck straight to savings and cutting back on eating out (51 percent).

可能需要一些創(chuàng)造性的方法來節(jié)省開支，但受訪者能夠勝任這項任務(wù)。在制定了2020年貨幣解決計劃的人中，有一半(51%)將直接從工資中拿出更多的錢存起來，并減少外出就餐的次數(shù)(51%)。

With the streaming wars in full force, four in 10 with a New Year’s financial resolution will be cutting their cable bill, while 47 percent will be canceling unnecessary subscription services that can add up to a pretty penny.

隨著流媒體大戰(zhàn)的全面展開，每10個有新年財務(wù)計劃的人中就有4個會削減有線電視的費用，而47%的人會取消不必要的訂閱服務(wù)，而這些訂閱服務(wù)加起來可以省下一大筆錢。

Buying expensive lunches can put a dent in savings — one in five say a New Year monetary goal will be brown-bagging lunches in 2020.

購買昂貴的午餐可能會減少儲蓄——五分之一的人表示，2020年的新年貨幣目標將是自帶午餐。

“Good credit can go a long way in helping consumers achieve their financial goals,” said Chris Gatz, head of CreditWise at Capital One. “The key is making healthy credit behaviors part of your routine year-round. There are many tools out there, like CreditWise, a free credit monitoring tool that helps people understand, improve and monitor their credit and is available for free to everyone-Capital One customer or not.”

“良好的信用對幫助消費者實現(xiàn)他們的財務(wù)目標大有幫助，”Capital One的CreditWise主管克里斯•加茨(Chris Gatz)表示。“關(guān)鍵是讓健康的信貸行為成為你全年的日常生活的一部分。現(xiàn)在有很多工具，比如CreditWise，這是一個免費的信用監(jiān)控工具，可以幫助人們了解、改善和監(jiān)控自己的信用，而且對所有人都是免費的——不管是不是capital One的客戶。”

Respondents are hoping little tweaks will have big payoffs someday, but that doesn’t mean a little — or big — help wouldn’t be nice.

受訪者希望小小的調(diào)整有一天能帶來大的回報，但這并不意味著一點點或很大的幫助就不好了。

Twenty-two percent of respondents admitted that they would need an outright miracle to help meet their dream financial milestones.

22%的受訪者承認，他們需要一個徹底的奇跡來幫助他們實現(xiàn)夢想中的財務(wù)里程碑。

But more realistically, Americans say gunning for higher salary (40 percent), meeting with financial advisors (26 percent) and paying off all loans (47 percent) would be helpful.

但更現(xiàn)實的情況是，美國人說爭取更高的薪水(40%)、與財務(wù)顧問會面(26%)和還清所有貸款(47%)會有幫助。

Twenty-nine percent of respondents admitted what they would really need to make those dreams come true was more self-control.

29%的受訪者承認，要實現(xiàn)這些夢想，他們真正需要的是更多的自我控制。

That might be why one in four (26 percent) would rather get a cavity filled than make a budget for 2020.

這可能就是為什么四分之一(26%)的人寧愿去補牙也不愿做2020年的預(yù)算。

Respondents blamed a variety of factors for their negative financial impacts with number one being medical expenses (46 percent).

受訪者認為造成負面經(jīng)濟影響的原因有很多，其中首當其沖的是醫(yī)療費用(46%)。

Periods of unemployment (35 percent) obviously prompted more spending than saving. Common, but necessary expenses like car repairs (19 percent) and family emergencies (22 percent) certainly didn’t help either.

失業(yè)時期(35%)明顯刺激了更多的消費而不是儲蓄。汽車維修(19%)和家庭緊急情況(22%)等常見但必要的費用當然也沒有幫助。

Additionally, 16 percent admitted a lack of credit history hindered their financial growth. Sixty-four percent revealed they’re worried their credit score could prevent them from achieving their milestone financial goals.

此外，16%的人承認缺乏信用記錄阻礙了他們的財務(wù)增長。64%的人表示，他們擔心自己的信用評分可能會妨礙自己實現(xiàn)重要的財務(wù)目標。