QA问答：我如何改善自己的个人财务状况？How do I improve my personal finances?
2023-03-13 wuhaowsh 5687 0 0 收藏 纠错&举报
How do I improve my personal finances?
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Public markets are designed to exchange your present dollars for future growth. That’s how time influences money. Markets have all sorts of ways of transporting value into the future, ironically, from things called futures, options, and equities. Learning these things can be a powerful way to extract gains from the dollars you are saving today. Otherwise, your dollars in the future lying around in your bank account will be the money you have today minus the rate of inflation.
Having something to start with. If you force yourself into a starting point, you can make it into a habit easier. Once you have something, you’re going to struggle to want to part ways with it. Getting creative on how to do more with less is one of the best steps into creating a habit for your personal finances to even exist.
Put something aside. Start simple and small. Set anything out of the money you’re earning. CareerBuilder states that 78% of Americans are living paycheck to paycheck, so if you can save anything, you are already in the minority.
2. 存点有价值的东西。从简单而小的东西开始。从你赚的钱中拿出任何东西存起来。CareerBuilder 指出，78% 的美国人靠薪水过活，所以如果你能存点有价值的东西，你就已经是少数了。
Fourth point, extended: There is no secret advice. Nobody has the super secret information on extracting massive gains on the market. Mathematically speaking, the longer you hold an equity, the higher the probability that it eventually turns profitable for you. If there were secret to gaining a profit, they are well hidden and will likely never be shared. Take RenTech for example, they have had 70% gains annually for the last 30 years on their most prized fund. That’s over $100 billion in gains. Nobody knows what they are doing, and they don’t waste their time advertising on the internet about their results. The best information is yet to be synthesized or in conversation with extremely smart people; either way, it’s generally free and requires a lot of hard work.
Inactivity with stock market investments is the best. Find something that contributes to your wealth, and add to it. Don’t actively trade, anybody telling you it’s possible needs to show you a track record of at least a decade of earnings that are better than the S&P. Another hint: Almost 95% of active managers underperform the S&P.
3. 了解金融术语的含义以及它是否说的有道理。提示：99% 的金融术语都是巧妙弯曲的数学。这些术语的定义已经被公开了很多次，实际上毫无意义。
4. 延伸扩展：这是毫无保留的建议。没有人掌握在市场上获取巨额收益的绝密信息。从数学上讲，您持有股票的时间越长，它最终为您盈利的可能性就越高。如果有获利的秘诀，它们就会被很好地隐藏起来，而且很可能永远不会被分享。以 RenTech 为例，在过去 30 年里，他们最有价值的基金每年获得 70% 的收益。这是超过 1000 亿美元的收益。没有人知道他们在做什么，他们也不会浪费时间在互联网上宣传他们的成果。最好的信息还有待于合成，或者有待于与极其聪明的人交谈；无论哪种方式，它通常都是免费的，并且需要大量的努力工作。
Personal finance is actually a very broad term that covers everything that has to do with your money.
How much you have, how much you save and invest, how much do you borrow, how much do you owe, literally everything under the larger umbrella of money.
So a question directing towards improving personal finances needs to cover all aspects of budgeting, investing, spending, borrowing and likewise.
Let's begin with budgeting.
You can either begin this exercise when you start earning or later because better late than never! Budgeting is basically differentiating between your needs, wants and savings. I will cover borrowing and investment aspects under every category of budgeting to give you a wholesome idea of personal finance.
Needs: These include things you cannot avoid. Things like rent, food, clothing, shelter, utility bills. These are your basic necessities. All your important life goals should become a part of your needs when you are planning how to spend your money.
Investment: Retirement is one of the long term goals that every investor should invest for. So when you are budgeting, retirement investment should be ranked high up and should be considered as a need from day 1. Many informed investors start investing early for such life goals so that they do not have to borrow when they are older.
There are other such long term goals as well. Say you know that you need to buy a house 10 years from now, or say you need X amount of money for your higher education in two years’ time; basically, if you know the amount you need, when you need it and what you need it for, it is always better to invest it in a mutual fund for it. You can let the fund compound returns over the years and then redeem it when you need it.
Online investment platforms like Groww offer you handpicked collections on the basis of high/low risk funds, long/short term funds and more. This makes it easy for me to know which funds can be used for a short term goal and which for a long term goal.
借款/债务：请记住，每笔贷款都是债务。永远不要将其视为临时收入，因为您需要在未来加上额外的利息偿还。现在你可能已经为一个基本目标贷款，比如房子或汽车、教育、婚姻等等。为此类生活目标提供资金的此类贷款的 EMI 也成为一种“需求”。您应该能够仅在您的需求范围内承担此类支出。
还有其他这样的长期目标。假设您知道 10 年后需要买房，或者说两年后您需要 X 笔钱来接受高等教育；基本上，如果您知道需要的金额、需要的时间和用途，那么最好将其投资于共同基金。您可以让基金逐年复利，然后在需要时赎回。
Wants: Wants are supposed to have the smallest claim on your salary. Leisure travel, splurging on shopping and grooming, hobbies and the list is endless.
Borrowing: Adding to your debts for your wants is not advisable at all. Taking a loan to finance your wants is extremely dangerous and should be avoided at all costs. An example could be taking a loan for a foreign trip with your friends. The main reason is that every loan is a liability and should be used judiciously for things that are required and not otherwise.
Investment: Even investment is a form of expenditure but is still better than borrowing for it. Generally wants are near-term goals and do not have the time-bandwidth to be financed by investments.
However, if there is some space, do try the investment route. Like the foreign trip example I gave. If you know you have to go for that trip in a year’s time, why not invest in a short term debt fund. This is much better than paying EMIs.
If you must have already gauged, personal finance is all about managing your spends, savings, investments and apportioning them for your needs and wants. Personal Finance is a larger game between needs and wants and you should be able to differentiate between the two to improve your finances.
但是，如果有一些空间，请尝试投资路线。就像我举的国外旅行例子。如果你知道一年后你必须去那次旅行，为什么不投资短期债务基金。这比支付 EMI 好得多。
Let me share a few hacks, I’ve personally tried and I can say, they worked pretty well for me. So here it goes:
Don’t use digital payments. Pay cash whenever you shop or dine out. You will automatically spend less.
Lend and borrow. Yes, it might look tempting to buy your own things, but before buying that thing, first decide whether your needs are temporary or permanent.
Always pay a little more than the minimum amount for your debts.
Stop online shopping. I know this is pretty difficult but try it for a month and you will know the difference.
Will keep adding more :)
Improving your personal finances, though tough, is possible through commitment and discipline. Here is how you can get started:
Know your financial worth – You will need to create a list of your savings, investments, debts, loans, etc. Take the help of a financial advisor to create a personal net worth statement.
Prepare your financial goal – It is important to know your financial goals. Are you looking to become debt-free? Are you planning to save a targetted -amount for your retirement? Is this targeted amount sufficient for your retirement? Do you have to plan for your children’s education? Knowing the goals helps decide how much you need to earn and save.
Create a budget and stick to it – I mentioned above, improving personal finances requires discipline. You may have to forgo certain luxuries and be careful with how you spend your money in order to reach your financial goal. Do not waver from your commitment. In the end, you will reap the benefits of your sacrifices.
Save judiciously – Savings are an important part of every person’s financial goal. But the question is, where should you invest? Should you invest in immovable property, shares, deposits, or precious metal? Most financial analysts suggest a combination of 2-3 different investments and savings plans.
Plan for inflation – Inflation is a reality, and its shadow looms larger than ever before due to the Lockdown. According to Statista, the inflation rate in India in 2019 was 4.54%, which means living expenses were 4.54% higher when compared to the year before, which is only set to increase in 2020.
These are some of the things you need to consider when you want to improve your financial health. My advice: Do not hesitate to take the help of a financial advisor! They are experts and can help you get started at the earliest.
明智地储蓄——储蓄是每个人财务目标的重要组成部分。但问题是，你应该投资哪里？您应该投资不动产、股票、存款还是贵金属？大多数金融分析师建议结合使用 2-3 种不同的投资和储蓄计划。
通货膨胀计划——通货膨胀是一个现实，由于封锁，它的负面影响比以往任何时候都更大。根据 Statista 的数据，2019 年印度的通货膨胀率为 4.54%，这意味着生活费用比前一年高出 4.54%，而这只会在 2020 年增加。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
You need to know where you are right now. Make a budget and calculate the bottom line, is it negative or positive? Just google budget excel and you will find one, just modify it a little bit to be suitable for you need.
Next, the most important thing is to make your bottom line positive. It is very hard to save and invest if you monthly liabilities are more than income. if your bottom line is negative, solve why it is negative and make actions to turn it positive.
For most of us our house (=mortgage) and taxes are highest expenses. A good starting point are these. You can for example compete your mortgage, even 0,1% makes huge sum over the years.
When you have turned your bottom line positive, automate your savings. When you get your check the rule in account automatically transfer this 7% to your broker account. Save first and then spend what is left.
Invest this money to low cost index funds and ETF’s. Start to read books about investing and personal finance, instead watching reality tv. Learn from the best like, Warren Buffett or Tony Robbins.
Set a goal for yourself. Why you are investing? Is it for retirement or something else?
And the most important thing, you need to start today! Not someday.
你需要知道你现在在哪里。制定预算并计算盈亏线，是消极的还是积极的？只需要google budget excel表格，您就会找到你的需求，只需稍微修改一下以适合您的需要。
当您的盈亏线转为正数时，将您的储蓄自动化，当您收到支票时，账户规则会自动将这 7% 转移到您的账户。先存钱，再花剩下的钱。
First of all, you should consider picking up some knowledge on personal financial planning. There are a lot of online materials for you to learn.
In personal financial planing, there are a few major areas everyone of us should know:
Cashflow and Debt Management
The ability to keep your expenses below your income enables you to build up your wealth. The difference will make a huge impact to your financial position. The bigger the differences, the better you will become.
Do up a budget to monitor your spending so that you can control where you spend your money. It will build discipline in personal financial planning.
Create an emergency fund to cater to any unforeseen circumstances (eg. loss of job, medical emergencies etc)
Recognize what is a good debt and a bad debt. A good debt is a debt which you had incurred to purchase an asset (eg. a property, an existing successful business etc) which produces an income or an appreciation in value. A bad debt is one which you borrow for spending (eg. credit cards etc).
Recognize that all of us need financial protection against unforeseen situation. The areas of insurance you should consider are:
Death : In event of our unfortunate demise, we should cancel out our debts and ensure a period of financial stability for our families.
Disabilities : Should we met up with a scenario which we are disabled, we should ensure that our earning capabilities are not compromised. Having a disability income insurance can help us resolve this worry.
Critical Illnesses : We should make sure that if we are diagnosed with any major illnesses (eg. cancer, stroke etc), we have the financial means to tide over the initial period of financial difficulties.
Hospitalization/Medical : A medical insurance can help us pay for any medical expenses incurred.
Personal Accident : Accidents happened any time. Have an adequate plan to take care minor expenses resulted from these occurrences.
Home Contents : In cases of our house being damaged, a Home contents insurance can help to reduce our expenses in repairs.
Use the most suitable types of insurance products to take care of the risks we faced.
Review your insurance needs at least once a year to ensure you are adequately protected.
Set an obxtive when you plan for investment. The obxtive should be clearly defined. For example, I would like to have $50,000 in 5 years time for the purpose of my son’s college education. Once the obxtive is clear, it is easier to set the strategies for your investment.
Work out the rate of returns required to reach your goal. If it is too aggressive, you might want to adjust your goal or your initial capital.
Create a portfolio of different investment instruments (similar to growing an orchard with different fruit trees which bear fruits of different seasons) to diversify your investments.
在计划投资时设定一个目标。目标应该明确界定。例如，我希望在 5 年内有 50,000 美元用于我儿子的大学教育。一旦目标明确，就更容易为您的投资制定策略。
It is never too early to plan for retirement.
Decide on your retirement lifestyle and work out your retirement financial requirements.
Similar to Investment Planning, chart your savings and investments towards your goals.
Monitor and review your progress regularly to keep your strategies on track. Make adjustments when needed.
Plan for your assets to be distributed according to your wishes and to avoid potential family disputes among family members.
I hope the above address your concerns.
Step 1: Give yourself 30 minutes to change the direction of your finances. Write (do not think) all the ways money comes into your life each month and how much money comes with each job or investments. Remember that what you actually receive in the bank is less than your salary. And then write down all the ways money goes out of your life and how much money for each one. Include everything: Snacks, Netflix, gifts.
This first step is extremely fast and simple, and yet very few people achieve it: When we write everything on paper (or Excel) we face a reality that we sometimes prefer not to face: Usually we do not receive as much money as we think we do, and sometimes the bigger expenses are those little things we each day.
Step 2: Cut out what you should cut out. Look at the budget you have just created: you will see that there are expenses that are not worth it or that you can not afford: Subscxtions you don’t use, daily snacks, big gifts, luxuries you do not need. This month you will start saving as much as you can.
第 1 步：给自己 30 分钟时间来改变财务方向。写下（不要思考）每个月金钱进入你生活的所有方式，以及每份工作或投资带来收益。请记住，您在银行实际收到的款项少于您的薪水。然后写下金钱从你的生活中消失的所有方式，写下及每种方式消费多少钱。包括一切东西：零食、网购、礼物。
Step 4: Have a savings fund. Watch out. Now that you do not spend on luxuries and do not give money to banks, you will have more money. And you will be tempted to buy something big. Don’t do it. You need a savings fund that should be as big as the expenses you have in 3 months. You know why. Because we can lose our jobs suddenly, or because bad times come. (Sorry for being negative, but it’s real) When you have 3 months of saved expenses, financial problems hurt but do not kill.
第 3 步：别再把钱给银行了。信用是这一代最大的骗局之一。那些在财务上取得成功的人都同意这一点：停止向银行借款。银行不会免费给你钱。他们只让您购买无论如何都必须支付的东西，但也会给他们大量的利息。如果你有债务，那就把它作为第一要务来偿还。既然你已经开始自己存钱了，你会发现你可以买任何你想要的东西，而不需要额外的多花钱。
第 4 步：拥有储蓄基金。小心。既然你不去买奢侈品，也不把钱存在银行，你就会有更多的钱。你会被诱惑去买一些大的东西。不要这样做。你需要一个储蓄基金，它应该和你三个月的开支金额一样大。你知道为什么。因为我们可能会突然失业，或者因为时局不佳。（抱歉这是我的消极态度，但这是真的）当你有3个月的储蓄开支时，财务问题会伤害你，但不会致命。