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字幕列表 影片播放

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  • Transcriber:

    記錄員:

  • We all know you should take a sick day

    我們都知道你應該請病假

  • or a mental health day

    或心理健康日

  • or even a personal day.

    甚至是個人日。

  • But a financial day is just as important.

    但金融日同樣重要。

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

    [《你的金錢和你的思想與溫迪-德拉羅莎》]

  • You deserve to take time to get your life in order

    你應該花點時間讓你的生活變得井井有條。

  • when you aren't on edge and under pressure.

    當你不在邊緣和壓力下。

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

    僱主們,如果你正在關注這個問題:你也應該考慮一下。

  • giving your employees a financial health day.

    給你的員工一個財務健康日。

  • Throughout this series,

    在這個系列中。

  • I've shared ways that you can change your environment

    我已經分享了你可以改變環境的方法

  • so you can spend less and save more.

    這樣你就可以少花錢,多省錢。

  • But the secret ingredient for each tip has been time:

    但每一個小竅門的祕訣都是時間。

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

    打電話給你的信用卡公司改變你的利率需要時間。

  • deleting an app off your phone takes time.

    刪除手機上的應用需要時間。

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

    如果你還沒有時間把這些改變付諸行動。

  • this is your chance.

    這是你的機會。

  • Mark a day on your calendar right now

    現在就在您的日曆上標註一天

  • to devote to reorganizing your finances.

    用來重組你的財務狀況。

  • Really commit to this day

    真心投入到這一天

  • and make that day as productive as possible.

    並使這一天的工作儘可能的高效。

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

    但以下是最需要報道的大標題。

  • both from earlier episodes and beyond.

    無論是從早期的劇集還是其他的劇集。

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

    所以首先我要你關注你的固定支出。

  • Take the day to evaluate your bills.

    用一天的時間來評估你的賬單。

  • Can you truly afford your housing payment?

    你真的能負擔得起你的房款嗎?

  • Is it time to start looking for a cheaper place?

    是時候開始尋找更便宜的地方了嗎?

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

    你需要換一個低成本的手機供應商嗎?

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

    你需要用你的車去換別的東西嗎?

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

    今天是我真正想讓你考慮的日子。

  • those large fixed expenses

    大筆費用

  • and make that one-time change.

    並做出一次性的改變。

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

    第二條:報名參加那些無聊但必要的東西。

  • Do you have life insurance?

    你有人壽保險嗎?

  • No? Sign up now.

    沒有?現在就註冊。

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

    你是否加入了公司的401(k)?

  • No? Sign up now.

    沒有?現在就註冊。

  • Are you contributing enough to that 401(k)?

    你對401(k)的貢獻夠嗎?

  • No? Edit your contribution rate right now.

    沒有嗎?現在就編輯您的貢獻率。

  • Number three: if you haven't already,

    第三:如果你還沒有。

  • talk to your significant other about money.

    和你的另一半談談錢的問題。

  • Get on the same page; it matters.

    達成共識,這很重要。

  • Visit the link below for a list of questions

    請訪問以下鏈接以獲取問題清單

  • to help get you started.

    來幫助你開始。

  • Number four: create a singular savings goal.

    第四:建立單一的儲蓄目標。

  • You can start by setting up an automatic plan

    您可以先設置一個自動計劃

  • so that a portion of every paycheck

    這樣,每份工資的一部分

  • goes directly into your savings account.

    直接進入你的儲蓄賬戶。

  • Number five: start paying off your debt every week,

    第五條:每週開始還債。

  • not just every month.

    不只是每個月。

  • Maybe it's your credit card debt

    也許是你的信用卡債務

  • or your mortgage debt or whatever you have,

    或你的抵押貸款債務或任何你有。

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

    一年下來,你會減少更多的債務。

  • if you pay that debt more often.

    如果你更多地償還這筆債務。

  • Number six: renegotiate your credit card interest rate

    第六條:重新商議信用卡的利率

  • and change your payment due date.

    並更改您的付款到期日。

  • Get on the phone, call your credit card company

    打電話,給你的信用卡公司打電話

  • and make your credit card company work for you.

    並讓你的信用卡公司為你工作。

  • Number seven: use technology to your advantage.

    第七條:利用技術優勢。

  • Redesign your online environment

    重新設計您的在線環境

  • by unsubscribing from all your shopping newsletters

    取消訂閱您所有的購物通訊。

  • and install an ad blocker.

    並安裝廣告攔截器。

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

    你不能把錢花在你看不見的東西上。

  • Number eight: delete those distracting delivery apps.

    第八條:刪除那些讓人心煩意亂的快遞應用。

  • Number nine:

    九號

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

    現在,我的建議並不全是關於削減開支。

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

    我希望你能花在能增加你幸福感的事情上。

  • So focus on experiences, on spending time with others

    所以要注重體驗,注重與他人相處的時間

  • and on expenditures that help save you time,

    和支出上,幫助你節省時間。

  • like hiring someone to clean your house

    就像請人打掃房子一樣

  • or mow your lawn.

    或修剪你的草坪。

  • That will save you time and boost your happiness.

    這將為你節省時間,提升你的幸福感。

  • Number 10: last but certainly not least,

    第10條:最後一條,但肯定不是最不重要的。

  • schedule another financial health day

    安排另一個財務健康日

  • for a few weeks later.

    為幾個星期後。

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

    你很有可能需要重新審視一些事情。

  • you started today.

    你今天開始。

  • I know all of this may seem tedious or boring,

    我知道這一切可能看起來很乏味或無聊。

  • but it's better to make these vital changes

    但最好是做出這些至關重要的改變。

  • when you have the time to think about them,

    當你有時間去思考它們的時候。

  • and not under the stressful conditions

    而不是在緊張的條件下

  • when we usually make these very important decisions.

    當我們通常做出這些非常重要的決定時。

  • Not every day can be a spa day,

    不是每天都可以做spa的。

  • but I think a financial day

    但我認為財務日

  • will leave you feeling soothed and pampered.

    會讓你感覺到舒心和寵愛。

Transcriber:

記錄員:

字幕與單字
自動翻譯

影片操作 你可以在這邊進行「影片」的調整,以及「字幕」的顯示

B1 中級 中文 TED 信用卡 債務 時間 財務 改變

提高你的財務健康水準的10個步驟--你可以在一天之內完成|你的金錢和你的心靈。 (10 steps to boost your financial health -- that you can do in a day | Your Money and Your Mind)

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    林宜悉 發佈於 2021 年 03 月 03 日
影片單字