• 單身人士應該如何理財
    文章來源:未知 文章作者:enread 發布時間:2020-11-06 08:37 字體: [ ]  進入論壇
    (單詞翻譯:雙擊或拖選)
    1. Start Planning for Retirement1
     
    The first thing you should do is plan for retirement. Contributing early and regularly means that you can get by with contributing a lower overall percentage of your income and you do not need to worry about catching2 up later.
     
    It makes sense to plan as though you are going to be responsible for your retirement on your own. This allows you to save enough and will leave you prepared. It may help you to be able to retire early.
     
    2.Create a Financial Plan
     
    A financial plan can include everything from your career plan to your retirement plan. If that feels like too much start out with a five-year plan. Where do you want to be in five years? What do you need to do financially to get there?
     
    Then break it down into yearly and monthly goals and steps. Be sure to include long-term goals like retirement as part of your plan. This may include going back to school to get your education to help with your next career goal.
     
    3. Focus on Climbing the Career Ladder
     
    Now is a great time to focus on the career ladder. It takes time and hard work to move up. Make clear goals and determine what you need to do to reach them.
     
    It may mean switching companies, moving to another city or going back to school. It may mean that you do side work or create a professional network and find a mentor3 to help you reach that goal.
     
    Break down the steps for the career path you want to take and start taking them. It is okay to switch directions at some point and choose to go a new direction if you find a better fit for you.
     
    Dreams can change, but the key is to keep moving forward toward that dream.
     
    4.Make Sure You Are Budgeting
     
    Budgeting is one of the biggest tools to managing your money properly.
     
    When you are single, it is easy to justify4 not creating a budget. Your expenses are straightforward5 and if you pay your bills what does it matter when and how you spend your money?
     
    However, your budget can help you find areas you can cut back on spending to put more money toward savings6 or debt.
     
    Make your income a tool, and budget effectively. This does not mean you should not have fun, but determine how much you can afford to spend while working on your financial plan and stick to that amount.
     
    5. Make Sure You Have the Right Insurance
     
    Insurance is there to protect you. It can be frustrating7 to see your income going to insurance each month, but it is there to protect you.
     
    When you are a single, short-term and long-term disability insurance can be a life saver, especially if you do not have an emergency fund saved up.
     
    6.Build Your Emergency Fund
    An emergency fund is essential if you are single. It can be the thing that save you from being homeless if you were to suddenly lose your job.
     
    It can help cover unexpected expenses and take the worry and weight off.
     
    For people living on one income, a year's worth of expense is a good goal. This will give you time to find a new job without too much pressure.


    點擊收聽單詞發音收聽單詞發音  

    1 retirement TWoxH     
    n.退休,退職
    參考例句:
    • She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必為金錢擔憂。
    • I have to put everything away for my retirement.我必須把一切都積蓄起來以便退休后用。
    2 catching cwVztY     
    adj.易傳染的,有魅力的,迷人的,接住
    參考例句:
    • There are those who think eczema is catching.有人就是認為濕疹會傳染。
    • Enthusiasm is very catching.熱情非常富有感染力。
    3 mentor s78z0     
    n.指導者,良師益友;v.指導
    參考例句:
    • He fed on the great ideas of his mentor.他以他導師的偉大思想為支撐。
    • He had mentored scores of younger doctors.他指導過許多更年輕的醫生。
    4 justify j3DxR     
    vt.證明…正當(或有理),為…辯護
    參考例句:
    • He tried to justify his absence with lame excuses.他想用站不住腳的借口為自己的缺席辯解。
    • Can you justify your rude behavior to me?你能向我證明你的粗野行為是有道理的嗎?
    5 straightforward fFfyA     
    adj.正直的,坦率的;易懂的,簡單的
    參考例句:
    • A straightforward talk is better than a flowery speech.巧言不如直說。
    • I must insist on your giving me a straightforward answer.我一定要你給我一個直截了當的回答。
    6 savings ZjbzGu     
    n.存款,儲蓄
    參考例句:
    • I can't afford the vacation,for it would eat up my savings.我度不起假,那樣會把我的積蓄用光的。
    • By this time he had used up all his savings.到這時,他的存款已全部用完。
    7 frustrating is9z54     
    adj.產生挫折的,使人沮喪的,令人泄氣的v.使不成功( frustrate的現在分詞 );挫敗;使受挫折;令人沮喪
    參考例句:
    • It's frustrating to have to wait so long. 要等這么長時間,真令人懊惱。
    • It was a demeaning and ultimately frustrating experience. 那是一次有失顏面并且令人沮喪至極的經歷。 來自《簡明英漢詞典》
    TAG標簽: money school career
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