我怎样保护我的钱不受通货膨胀的影响?

The economy can bring about plenty of uncertainties, but with 高通货膨胀 对很多人来说，这是头等大事. 如果你有一定的财务保障措施, 你也许能更好地抵御潜在的风暴. Here are some suggestions on how to fight inflation that may help you maintain a solid financial footing.

如何管理个人财务和省钱

• 偿还债务. 尽管这很有挑战性， 减少债务 这是你的首要任务之一 信用卡余额 高利率.
• 创建或增加应急基金. If you receive a refund, bonus or raise, consider putting a percentage of that money towards your 应急基金 或储蓄.
• 考虑为你的房子再融资. If mortgage interest rates are low, you may want to look into a fixed-rate loan. If you have an adjustable-rate mortgage and switch over to a fixed-rate mortgage, it may be easier to set a budget when you know what your mortgage payment will be.
• 想办法缩减开支. 考虑搬到一个更小，更实惠的房子或 公寓. 同时, sell possessions that you no longer use — such as an exercise bike or collections of items that no longer interest you — and 省钱.
• 减少不必要的开支. Review your voluntary spending such as takeout, streaming subscriptions, entertainment or travel.
• 购物时省钱. 利用优惠券, 信用卡积分, store loyalty programs or membership cards that offer gas rewards. Try buying generic brands and even generic prescriptions to help you save even more.
• 尽量靠一份薪水生活. 如果你和你的伴侣都有工作, challenge yourselves to live on one income and put some or all of 剩下的是储蓄. Consider depositing some of that money into accounts that are accessible for emergencies.
• 谈判. It doesn't hurt to ask for lower rates on credit cards and for discounts on merchandise. If t在这里 are sign-up fees for a particular service, see if that fee can be waived. Some retailers may agree, in hopes of keeping you as a customer.
• 重新协商每月的服务账单. These services include things such as cell phone plans, cable and internet. Many providers offer an introductory rate to attract new customers. After a certain amount of time, the rates steadily creep up. Look at your monthly costs and contact those companies to see if they are willing to negotiate a better price. 这是一个从你的每月预算中节省钱的好方法.
• 检查每月订阅. 订阅流媒体频道, 美容产品, 杂志和快递服务很容易被遗忘, 但成本在一年的时间里不断增加. 这是一个很好的实践来衡量这些需要和想要. 一旦你这样做了，它可以帮助你减少必需品.
• 用现金购物. 现在只花你手头的钱. 推迟需要你购买的东西 增加信用卡余额 直到你攒够了钱.
• 丰富你的薪资潜力. Learn new skills, ask for more responsibilities at work or even start a small part-time business. 在经济低迷时期，你的专业知识 使处于某一位置 may help make you invaluable to your company — or give you options should you be downsized.
• 要求加薪. 虽然这对一些人来说可能是一个不舒服的谈话, 这不是不合理的要求, 尤其是在接近创纪录的高通胀时期. 为你的事业辩护总是很重要的.

经济下行期间要避免的金融风险

• 洗劫你的退休账户. 你通常要支付10%的联邦所得税罚款 提前撤资你会亏欠你的未来.
• 让pp王者电子官网失效. Keep your home, disability, life and car insurance coverage current. If something happens to you during a down time, you'll need that protection.
• 共同签署贷款. 这是有风险的 unless you're sure you can shoulder the entire burden yourself. Even if the co-signer is trustworthy, t在这里's no guarantee he or she won't default.
• 承担额外债务. 彻底评估任何导致负债的支出. A student loan for your child may be a reasonable debt — but a big credit card expense is not.