要达到债务偿付和储蓄贡献之间的理想平衡,不仅需要简单的数学计算。 这一切都归结于你的各种财务目标和你目前的情况。

最重要的是,不要让债务规模或问题的难易程度阻止你。 相反,创建一个尽可能有效的策略并使其自动化。

记录你的资产和负债

你可以通过观察你目前的净资产来衡量你的成功,看看你的债务和储蓄是如何平衡的。 无论你看到的数字是什么,不要让它压倒你;它只是你金融生涯漫长道路上的一步。 另外,记住,只要养成正确的习惯,在短短6个月内,这个数字就会变好。

记账,记账,记账目

从最高利率到最低利率,把它们列在电子表格中。 包括你的所有债务,包括信用卡,汽车贷款,抵押贷款和学校贷款。 当试图平衡你的债务支付与你的退休捐款的预期增加,这个清单将是有用的。

为贷款重新融资

你可能希望考虑再融资,因为汽车贷款和抵押贷款现在提供便宜的利率。

制定预算

你必须确保你的预算是完全可以实现的,如果你希望你的战略偿还债务成功,你不会超支。 如果你不确定自己是否在量入为出,那就重新审视一下你的预算吧。 如果你有不一致的收入或工作自由职业者,你应该评估这些预算原则。

计算出你可以为偿还债务、退休储蓄和储蓄等经济需要而存的钱。 如果你能够将收入的至少20%用于这些目标(不包括税前对401(k)的贡献),那么你的收入将会以良好的速度增长。

避免使用信用卡

如果你的债务是超支的结果,而且你仍然不确定自己是否可以控制你的支出,那么从钱包里拿出你的卡,用现金来分配每周的拨款。

另外,停止像健身房会员卡一样自动充值,然后给信用卡发行公司打电话,要求降低利率或余额转账,以利用0%的利息优惠。

如果你相信你可以负责任地使用信贷,那么就给自己一个与预算相适应的周津贴,并坚持每周花这笔钱。

存一些钱以备急用。

你至少应该存上一个月的费用。 因此,如果你的月净收入是3,000美元,那么在开始一个激进的债务偿还计划之前,先存这么多钱以备不时之需。

如果你还没有紧急资金,在你还清之前,先还清你的债务,然后在还清债务方面取得重大进展。 在欠债的时候把钱锁在储蓄账户里可能看起来很可笑,但是这样做会打破信用卡的使用模式。

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By Xiu 秀

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