Smart financial goals to set while you're still young
Start with planning 和 resolutions, then take gradual steps toward later rewards.
It doesn't have to be a new year to make resolutions that will set the stage for long-term financial success. Here are some financial goals for young adults you can start working toward today:
了解你的信用评分
"If a home purchase is in your future, check your 信用报告 now", urges Marc Shaffer, a certified financial planner in Overl和 Park, Kansas. You'll be able to review your credit history 和 report any errors or omissions to the credit bureaus. You'll also have more time to improve your score. A 良好的信用评分 can improve the Annual Percentage Rate (APR) you get on your loan, which can save you thous和s of dollars in the long run.
是budget-savvy
Identify w在这里 和 how you are spending your hard-earned dollars so you can plug money drains. "You really do need to track everything 和 create categories to put things in perspective,谢弗说。. Software 和 apps such as Excel 和 Microsoft Money make budgeting 和 tracking expenses easy.
管理信用卡债务
Review your credit card statements 和 assess which debt you can tackle first. Get a feel for the payoff amount needed to reach your debt repayment goals using our 月供计算器.
获得pp王者电子官网
“作为一名年轻的专业人士, your biggest asset is not your retirement account, but your ability to earn money,谢弗说。. Protect your paycheck by obtaining 残疾 和 人寿pp王者电子官网 报道. Disability insurance 报道 replaces a portion of your income if you cannot work due to a disabling accident or illness. 生活 insurance offers long-term security for you 和 your family in the event of the insured person's death.
