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  • We all know you should take a sick day, or a mental health day, or even a personal day.

    我們都知道你可以請病假、心理健康假或甚至是事假。

  • But a financial day is just as important.

    但是請財務假也很重要。

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

    [溫迪˙德拉羅莎教你控制你的金錢和思想]

  • You deserve to take time to get your life in order when you aren't on edge and under pressure.

    當你不在壓力崩潰邊緣時,你應該花點時間讓你的生活變得井井有條。

  • Employers, if you're watching this, you should also think about giving your employees a financial health day.

    僱主們,如果你正在看這部影片,你也應該考慮給你的員工一個財務健康假。

  • Throughout this series, I've shared ways that you can change your environment so you can spend less and save more.

    在這個系列中,我已經分享了改變環境的方法,這樣你就可以少花點錢,多存點錢。

  • But the secret ingredient for each tip has been "time": calling your credit card company to change your interest rate takes time; deleting an app off your phone takes time.

    但是每個訣竅的祕訣都是「時間」:打電話給信用卡公司,改變你的利率需要時間;刪除手機上的應用程式也需要時間。

  • And if you haven't had time to put these changes into action, this is your chance.

    如果你還沒有時間把這些改變付諸行動,你的機會來了。

  • Mark a day on your calendar right now, to devote, to reorganizing your finances.

    現在就在你的日曆上標記出一天,用那一天來專心整頓你的財務狀況。

  • Really commit to this day, and make that day as productive as possible.

    全心全意投入這一天,並讓這一天儘可能產生最多的收穫。

  • But here are the big headlines that are the most important to cover, both from earlier episodes and beyond.

    但這些是從早期或後期的單元中,整理出來的重要大標題。

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

    所以首先,我要你注意你的固定支出。

  • Take the day to evaluate your bills.

    用那一天的時間估算你的帳單。

  • Can you truly afford your housing payment?

    你真的負擔得起你的房租嗎?

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

    是時候開始尋找更便宜的房子了嗎?

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

    你需要換一個廉價的手機品牌嗎?

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

    你需要把你的車賣掉,去換其它東西嗎?

  • This is the day where I really want you to think about those large fixed expenses and make that one-time change.

    那一天正是我想讓你好好地思考高額費用支出的日子,並一次就做出改變。

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

    第二點:報名參加那些無聊但必要的東西。

  • Do you have life insurance? No? Sign up now.

    你有人壽保險嗎?沒有?現在就去簽約。

  • Are you enrolled in your company's 401(k)? No? Sign up now.

    你是否有加入了公司的退休福利計畫?沒有?現在就加入。

  • Are you contributing enough to that 401(k)? No? Edit your contribution rate right now.

    你在退休福利計畫提撥的薪水比例夠高嗎?沒有?現在就校正你的提撥比例。

  • Number three: if you haven't already, talk to your significant other about money.

    第三點:如果你還沒做到,去和你的另一半談談錢的問題。

  • Get on the same page; it matters.

    一定要達成共識,這很重要。

  • Visit the link below for a list of questions to help get you started.

    請點擊以下連結,可以獲取問卷來協助你開始。

  • Number four: create a singular savings goal.

    第四點:建立一個獨立的儲蓄目標。

  • You can start by setting up an automatic plan so that a portion of every paycheck goes directly into your savings account.

    您可以先設置一個自動儲蓄計劃,這樣每個月工資的一部分就會直接進入你的儲蓄帳戶。

  • Number five: start paying off your debt every week, not just every month.

    第五點:開始每週還債,而不是每個月才還。

  • Maybe it's your credit card debt or your mortgage debt or whatever you have, you'll end up reducing more of your debt over the course of a year if you pay that debt more often.

    有可能是你的信用卡債務、你的抵押貸款債務或任何債務。如果你更積極地償還這筆債務, 一年下來,你會減少更多的債務。

  • Number six: renegotiate your credit card interest rate and change your payment due date.

    第六點:重新談判信用卡的利率並更改你的付款期限。

  • Get on the phone, call your credit card company and make your credit card company work for you.

    拿起電話,打給你的信用卡公司,讓他們為你服務。

  • Number seven: use technology to your advantage.

    第七點:利用科技為你的優勢。

  • Redesign your online environment by unsubscribing from all your shopping newsletters and install an ad blocker.

    重新設定你在網路上的環境,取消訂閱你所有的購物訊息, 並安裝廣告攔截器。

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

    你不會把錢花在你看不見的東西上。

  • Number eight: delete those distracting delivery apps.

    第八點:刪除那些讓人分心的快遞應用程式。

  • Number nine: now, my tips are not all about cutting back spending, I want you to spend on things that increase your happiness.

    第九點:我的建議並不全都是關於減少開銷, 現在我希望你也能夠花錢在增加幸福感的事情上。

  • So focus on experiences, on spending time with others, and on expenditures that help save you time.

    所以要專注在經驗上、與他人相處的時間上和可以幫助你節省時間的支出上。

  • Like hiring someone to clean your house, or mowing your lawn.

    就像請人打掃房子或修剪你的草地。

  • That will save you time and boost your happiness.

    這可以為你節省時間,並提升你的幸福感。

  • Number ten: last but certainly not least, schedule another financial health day for a few weeks later.

    第十點:雖然最後一點,但肯定是最重要的。在幾個星期後安排另一個財務健康日。

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

    你很有可能需要重新審視一些你今天開始做的事情。

  • I know all of this may seem tedious or boring, but it's better to make these vital changes when you have the time to think about them.

    我知道這一切可能看起來很乏味或無聊,但當你有時間去思考它們的時候,最好做出這些至關重要的改變。

  • And not under the stressful conditions, when we usually make these very important decisions.

    而不是通常當我們在緊張的情況下,才去做出這些非常重要的決定。

  • Not every day can be a spa day, but I think a financial day will leave you feeling soothed and pampered.

    雖然不是每天都可以做水療,但我認為財務假會讓你感覺到舒服和寵愛的。

We all know you should take a sick day, or a mental health day, or even a personal day.

我們都知道你可以請病假、心理健康假或甚至是事假。

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B1 中級 中文 TED 信用卡 債務 時間 幸福感 財務

月光光心慌慌?十個步驟教你一天內提高財務健康水準!Your Mind)

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    林宜悉 發佈於 2021 年 10 月 22 日
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