加薪可以增加你的储蓄
When your salary goes up, it's a great opportunity to grow your savings.
祝贺你加薪! Don't forget to celebrate by giving your savings account a bump, too.
生活总是出乎意料. Sometimes you get the raise, and sometimes your income is stalled. 收入来源的变化是不可避免的, but it's up to you to adapt your saving habits along the way. 不管是增加还是暂时减少, your saving habits should calibrate with the change. The time in life in which you earn your first big chunk of money varies for everyone. No matter when it happens, it's exciting and worth celebrating. But, once you've finished the cake, start making a plan to save. Resist the urge to spend money just because you have it.
你有额外收入吗?
Should you find yourself with an extra bit of cash, be sure to celebrate, then have a plan. If you decide what you want to do with a source of extra income, 当时机到来时，你可以充分利用它. For more tips on creating a future spending plan, check out 充分利用额外收入.
把钱放在哪里
To plan to be financially stable for the short-term, it's important to get organized. 有很多方法和地方可以省钱, and learning to set aside money in multiple places will put you in good shape for the future. A few of the most popular and recommended types of savings include:
储蓄账户
经典选择. A general savings account is important to have to save for short- and long-term goals, 以及不规则, 但必要的, 汽车保养等费用. Creating automatic payments on payday is an easy and mindless way to build this type of savings account. Also, look for a savings account with minimal or no fees so your money has more opportunity to grow!
退休帐户
你的 退休帐户 可以有多种形式. 有401k账户, 哪些是由雇主赞助的, or you can open an individual 退休帐户 (IRA). An IRA lets your earnings grow tax-deferred until you make withdrawals. T在这里 are key differences between Traditional and Roth IRAs, so you'll want to research and choose the right option for your situation. 今天开始比较，回顾一下 retirement plan options from companies like 状态 Farm.
应急基金
Emergencies happen, whether it's automotive, dental, kid-related or another surprise expense. All the things you absolutely have to pay for, but aren't able to plan for, fall under this category. 如果你没有把钱存起来, 你可能得用信用卡, 哪一种会产生不必要的债务. 帮助 take control of the unexpected by working toward building an emergency fund! 对很多人来说, that number works out to somew在这里 between three and six months of income, 但是你可以用an 应急基金计算器 以确定自己的个人需求. 还记得, you won't touch the money in this savings account except for emergencies regarding car repair, 回家修理, 医疗费用或收入损失. It will give you comfort knowing t在这里's financial stability during a time of need.
As you curate your savings plan, remember, it's all about balance. 找出什么对你和你的生活时间有效.
Another tip: Packing a lunch can pack on the savings. Going out to eat adds up, especially when it's a daily habit. 试一试 打包午餐 看着你的积蓄增长.
