7个快速解决财务问题的方案

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

一些财务上的补救措施——从修复你的信用记录到为你提供退休资金——可能需要数年时间才能完成。其他方法只需要几分钟。

Review your credit card statement.

检查你的信用卡对账单.

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.

拿着你的信用卡账单坐下来，对你的支出进行审计，包括那些冲动的支出。利用这个方法，从你过去的情感消费错误中吸取教训，并在未来避免它们。

Bundle your insurance.

捆绑你的保险。

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.

让一家公司来满足你不同的保险需求可能是一个省钱的好办法。赖特写道:“如果你把房产、汽车保险政策捆绑在一家公司里，你可能会享受到更好的保险费率。”

Phone your cable company.

给你的有线电视公司打电话。

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

每年至少给你的有线电视供应商打一次电话，重新协商你的有线电视套餐。你也许能减少你的帐单。

Go digital.

数字化。

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.

注册一个数字理财系统，比如Quicken或Mint.com，跟踪你的支出情况，这可能会减少冲动购物和透支账户。

Request a free credit report.

申请免费信用报告。

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上向这三个信用报告机构的每个机构索取免费的年度信用报告。南卡罗来纳州哥伦比亚市注册理财规划师贝瑟尼•格里菲斯写道:“确保你清楚自己名下的所有信用记录，并且没有任何意外的未偿债务。”Griffith补充道:“查看你的信用报告也是一种发现你是否是身份盗窃的受害者的方法。”

Unsubscribe.

退订。

"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.

格里菲思写道:“如果你没有每天收到大量关于你能买到的所有‘东西’的电子邮件，你就不会那么容易在服装/科技/娱乐预算上超支。”

Raise your insurance deductible.

提高你的保险免赔额。

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

通过提高汽车保险的免赔额，在你的每月预算中留出额外的空间，从而降低你的保费。