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。