财务健康提示，帮助改善你未来的财务状况

新的一年的开始可以让你更容易定义你的目标 金融解决方案. Increasing your financial literacy — which incorporate the tools to achieve financial well-being — may help you save money, 处理债务，改善你的财务状况.

什么是财务健康?

金融 wellness is being in a financially healthy state where you can effectively manage all your finances. It is the overall health of your financial well-being — including your debt, spending and saving. 那么为什么财务健康很重要呢? 它很简单. 安全和选择的自由. 根据 Annuity.org财务健康有4个要素:

• 能够控制每日和每月的财务状况
• 为经济紧急情况做好准备
• 实现财务目标——比如储蓄和退休
• 有财务自由选择你的生活

财务健康小贴士

记录你三个月的花销

Keeping tabs on your expenses over an extended period can help make it easier to decide what's working and what's not when it comes to your spending. 考虑使用n online app — or just a notebook — to figure out how much you spend and on what. 一定要把它分成几个类别. 仔细看看你的 消费习惯 会帮助你设定更现实的目标吗. 当你看经常性开支时, it may help you decide which ones can be avoided and turn those expenses into savings.

管理你的债务

监控你的债务 建立财务健康的关键因素是什么. 背负一些债务是正常的，但是太多的债务会超出你的预算 影响你的信用评分. 帮助管理你的债务 还清信用卡 with the 最高利率 first. 额外债务, pay as much as you can on your smallest debts and pay at least the minimum on large ones — even modest accomplishments can be great motivation.

了解贷款的运作方式

知道什么时候 借阅是有意义的 是很重要的. 无论你是 回到学校，取出 房屋净值, 买车 或者重新装修房间，你可能需要贷款或者 办一张信用卡. 了解你的信用评分和 信用报告 have an impact on the availability and cost of a loan and determine how to fit loan payments into your budget.

制定预算，并设定目标

在清楚地了解了你每个月是如何花钱的之后，试着去做 制定预算. Keep in mind: Each new financial goal will likely have an impact on your existing ones, 这意味着要重新审视以前的目标，重新评估你的总体优先级. 例如，重大的生活变化，如孩子的出生，一份新工作或 为新房子存钱 可能需要你调整你的消费目标.

买房时要做好准备

Learn about ways to save for a down payment and find out how to obtain financing. 当你买房子的时候，它的成本不应该超过2比2.5 times your household income, and your mortgage should be no more than 80% of the home's value. Having a firm grasp on the details of mortgage loans can help you make the best decision. 考虑使用 购房清单 帮助你做好准备，避免风险 按揭贷款拒绝.

养成自动储蓄的习惯

With all the other distractions in our daily lives, it can be easy to lose track of your 储蓄意图. Try a savings strategy that automatically deposits a portion of your earnings into your 退休 and emergency saving accounts so you're not spending time moving money between accounts.

有助于… 401k by adding additional pre-tax money to your 退休 savings may help lower your annual taxable income. The 最大数量 individuals under 50 can contribute in 2024 is $23,000 ($30,500 if you are 50 or older). If possible, talk to your employer's payroll department to increase your contribution amount.

Automating these monthly deposits may be an effective tool for ensuring you make progress toward your financial goals while helping to make saving a habit. 许多专家建议至少把收入的10%存起来，甚至一部分 建议最多20%. 听起来太难了? 试着从薪水的1%开始，然后随着薪水的增长而增加.

建立应急基金

Setting aside cash for emergencies can help you prepare for unexpected financial setbacks — like a job loss 或疾病. 如果没有足够的应急资金，你可能会发现自己突然负债. 理财专家建议拥有一个 紧急储蓄基金 至少有三个月的开销——六到九个月就更好了. Work within your budget to create an emergency savings plan that makes it easier to bounce back.

定期投资

如果你的储蓄包括 投资, an automated strategy lets you invest on a regular schedule, no matter what the markets are doing. This might help you avoid letting your emotions dictate when to buy and will help keep you in the market during a short-term downturn. 当市场波动时，很难做出明智的投资选择, 但重要的是要度过难关. 随着时间的推移, a schedule of periodic 投资 allows you to buy more shares when prices are low and fewer shares when prices are high — a concept known as 美元平均成本.

花你的医疗费用

如果你的pp王者电子官网计划包括 弹性支出帐户, be aware that there is a use-it-or-lose-it rule where you will likely lose any funds remaining once the year ends. Make the most of your benefits by completing all preventative exams and taking care of other medical needs before year's end.

设置银行警报

Getting alerts about your checking account usage (including withdrawals) may help remind you of your financial decisions, 这样你就可以跟踪你是如何以及何时花钱的. 在欺诈或未经授权的情况下对您的帐户进行收费, 它会给你一个机会去解决可能的问题 身份盗窃 及时地.

保护你所拥有的

买pp王者电子官网来保护你的 home, car, family and 物品. 在承保索赔的情况下, having insurance may reduce the financial burden that you would otherwise assume in the case of a loss. 例如, 如果你没有汽车pp王者电子官网, 然后出了车祸, 你可能还需要修理, 可能的医药费和汽车贷款——都是你自己掏腰包. 当意外事件发生时，pp王者电子官网可以帮助你保持财务健康.

为孩子的教育存钱

考虑为你的孩子存钱 大学教育 从小就开始. 导致 529个大学储蓄计划 or Coverdell Education Savings Accounts may provide savings to help support your kids when they are 准备好上大学了.

寻找专业人士

弄清楚你的财务状况需要时间. 许多人选择寻求建议和 咨询金融专业人士 帮助他们实现目标. Consider working with a professional or doing more research to learn how investment accounts, 退休账户和复利可以为你工作.