Start out strong with 4 financial priorities for young adults
Focusing on these factors will make a huge difference in preparing for your future.
Navigating finances can be challenging — especially when you're dealing with conflicting scenarios such as carrying sizable student loan debt and balancing your budget on a starting salary. Work toward achieving financial success with these moves:
消除债务
Having debt has consequences, including limiting how much you can save for the future. Work toward eliminating debt with these strategies:
- Make it a priority to pay down high-interest debt, since it can be more costly. Contemplate making frequent payments to pay it down or even set up automatic payments from your checking account.
- Avoid the snowball effect by making more than the minimum payment on your credit card bills, 在可能的情况下, to combat the interest that continues to accrue.
精打细算
Setting a budget and prioritizing spending categories frees up funds for savings. 一些生活方式的改变可以大有帮助:
- 买车的时候， 考虑高质量的二手车模型 用保修单代替新车.
- 时期内上班自带午餐 工作周期间. 大多数晚上也在家准备晚餐.
- 检查电缆, internet and phone plans to see if you are actually using the services you are paying for. 如果不是，那就放弃它们. 如果你的月租率似乎在上升, call your provider and ask them how you can get your bill lowered. If they can't help lower the bill, research other providers that may be available in your area.
- 而不是每个周末都出去, host parties at home and encourage friends to do the same on a rotating basis.
建立安全网
An 紧急储蓄帐户 comes to the rescue when you encounter unforeseen expenses. Aim to stash away three to six months' worth of living expenses. 开始建立你的应急基金 今天有了这些指针.
为退休储蓄
这里有一些关于如何做的建议 为退休储蓄:
- Contribute to your employer's retirement plan or 401 k计划. Make sure you understand your retirement benefits and take full advantage of its potential. Some companies might even provide a matching benefit.
- 考虑一下退休储蓄账户. 开一个退休储蓄账户，比如 爱尔兰共和军 might help you prepare for the future or may boost your retirement fund if you already participate in your employers' sponsored retirement plan.
- 把多余的钱用于退休储蓄. Sometimes you may get an extra bonus at work, receive a monetary gift, get a bigger than expected 退税 or 偿还一些债务. Consider putting that extra money to work and help build your retirement fund.
