7個快速解決財務問題的方案

Some financial fixes – from repairing your credit scoreto funding your retirement – can take years to pull off. Others take just a few minutes.

一些財務上的補救措施——從修復你的信用記錄到為你提供退休資金——可能需要數(shù)年時間才能完成。其他方法只需要幾分鐘。

Review your credit card statement.

檢查你的信用卡對賬單.

Sit down with your credit card bill and conduct an audit of your expenditures, including ones made impulsively. Use this exercise to learn from your past emotional spending mistakes – and avoid them in the future.

拿著你的信用卡賬單坐下來，對你的支出進行審計，包括那些沖動的支出。利用這個方法，從你過去的情感消費錯誤中吸取教訓，并在未來避免它們。

Bundle your insurance.

捆綁你的保險。

Having one company cover your disparate insurance needs can be a money-smart move. "You may be entitled to a better rate if you bundle your homeowner's, auto insurance policies under one company," Wright writes.

讓一家公司來滿足你不同的保險需求可能是一個省錢的好辦法。賴特寫道:“如果你把房產(chǎn)、汽車保險政策捆綁在一家公司里，你可能會享受到更好的保險費率。”

Phone your cable company.

給你的有線電視公司打電話。

Dial up your cable provider at least once per year to renegotiate your cable package. You may be able to get your bill reduced.

每年至少給你的有線電視供應商打一次電話，重新協(xié)商你的有線電視套餐。你也許能減少你的帳單。

Go digital.

數(shù)字化。

Sign up for a digital money-management system, such as Quicken or Mint.com, to track your spending – and potentially reduce making impulse purchases and overdrawing your account.

注冊一個數(shù)字理財系統(tǒng)，比如Quicken或Mint.com，跟蹤你的支出情況，這可能會減少沖動購物和透支賬戶。

Request a free credit report.

申請免費信用報告。

Request your free annual credit report from each of the three credit-reporting bureaus at annualcreditreport.com. "Make sure you are aware of all the credit in your name and (that) you don't have any unexpected outstanding debt," writes Bethany Griffith, a certified financial planner in Columbia, South Carolina. "Reviewing your credit report is also a way to catch if you have been a victim of identity theft," Griffith adds.

在annualcreditreport.com上向這三個信用報告機構的每個機構索取免費的年度信用報告。南卡羅來納州哥倫比亞市注冊理財規(guī)劃師貝瑟尼•格里菲斯寫道:“確保你清楚自己名下的所有信用記錄，并且沒有任何意外的未償債務。”Griffith補充道:“查看你的信用報告也是一種發(fā)現(xiàn)你是否是身份盜竊的受害者的方法。”

Unsubscribe.

退訂。

"You'll be much less tempted to overspend on your clothing/tech/fun budget if you aren't bombarded with daily emails about all the 'stuff' you could buy," Griffith writes.

格里菲思寫道:“如果你沒有每天收到大量關于你能買到的所有‘東西’的電子郵件，你就不會那么容易在服裝/科技/娛樂預算上超支。”

Raise your insurance deductible.

提高你的保險免賠額。

Carve out extra room in your monthly budget by raising your auto insurance deductible, thereby lowering your premiums.

通過提高汽車保險的免賠額，在你的每月預算中留出額外的空間，從而降低你的保費。