人们在20多岁时会犯的6个错误
以及如何解决这些问题

像很多人一样, you may have blown through your 20s making financial decisions that served you well in the moment but may not have been particularly responsible. 每周出去吃几次饭, 你几乎不看的信用卡账单, and luxury cars way beyond your budget—life was practically a party!

但现在，派对结束了. You’ve woken up in your 30s and realized that all that overspending is going to cost you big—and it’s going to cost for years to come.

幸运的是，还有希望. It’s not too late to fix the financial mistakes we all make when we’re young and blissfully ignorant.

Here are six of the most common mistakes people make in their 20s and how to fix them:

1.错误:累积信用卡债务

也许你在大学时身无分文, 但却非常渴望一段美好时光, so you swiped your way through vacations and nights out on the town. Or maybe you knew you were falling into the debt trap to cover student-related needs on a shoestring budget. Unfortunately, it didn’t just go away like you’d hoped.

解决办法:停止使用信用卡

It’s time to be an adult and own up to your mistakes. Learn how to say no to impulsive purchases and to live within your means. Stop swiping your credit cards and stick to debit or cash only. Don’t let those credit card bills get any higher! You can also transfer your high interest credit card balances with no balance transfer fee to our VISA白金卡，比率低至3.4月20%.

2.错误:忽略你的信用评分

Aside from being the gateway to endless spending, aggressive credit card balances have probably handicapped your credit score, making it difficult or impossible to obtain a 个人贷款. A poor score will also burden you with an unfavorable interest rate for the loans you do qualify for. And that means you’ll be paying off the mistakes of your 20s for years to come.

The fix: Know your score and pay down your debt

修正信用评分永远不会太迟. 从监控你的分数开始. You can order a complimentary credit report at annualcreditreport.com 或打电话 877-322-8228. This will give you an idea of what you’re working with as you work on climbing out of financial hardship.

Next, work on paying off debt instead of only making the minimum payments to each bill each month. Look through your bills and crunch some numbers until you know exactly how high your debt really is. If you find yourself paying for multiple bills, obtaining a 债务合并贷款 makes sense by allowing you to lower your total monthly payments and give you just ONE single payment each month! 最重要的是，十大彩票游戏平台的利率低至3%.4月49%! Paying down your debt and minimizing the utilization rate on your credit cards will greatly improve your score.

3.错误:跳过学生贷款账单

When you’re facing a debt in the tens of thousands of dollars while earning an entry-level salary, it’s tempting to just pretend it doesn’t exist. Unfortunately, though, that’s the worst thing you can do for your loan and your credit.

解决办法:把它算进你的预算

跟十大彩票游戏平台的人谈谈 财务顾问 today and work out a more feasible payment plan. You can also check if you qualify for a student loan forgiveness program. 最重要的是, make your student loan payments a part of your debt payment plan so you never miss a payment.

4.错误之处:忽视退休生活

Planning for your decades-away retirement may be one of the last things on your list. 然而, starting to fund your retirement later in the game means missing out on years of compound interest gains.

解决办法:把它当成一项固定支出

Don’t think of retirement savings as an extra; think of it as a necessary, fixed expense that belongs in your budget like your rent and phone bill. Work with the most you can afford and max out your contributions to an IRA or your company’s 401(k) plan. 跟十大彩票游戏平台的人谈谈 万通金融顾问公司 today and optimize your retirement portfolio.

5.) The mistake: Not having an emergency fund

Life’s great—who needs to think about emergencies? 不幸的是，你需要. Scrambling for funds to pay for a large medical expense or to live off your savings during an unexpected layoff can be a nightmare. Turning toward credit cards to help you get through a rough time can also be the beginning of a debt cycle whose effects are felt for years to come.

解决办法:从小事做起

Experts recommend socking away 3-6 months’ worth of living expenses, 但如果这对你来说是不可能的, 从小事做起. Work with whatever you can to make monthly contributions to an emergency fund. Set up an automatic monthly transfer so you never forget. It’s best to keep your emergency money in an account that offers an attractive earnings rate but allows you to withdraw funds without paying a penalty.

6.错误:没有制定财务目标

It’s understandable not to have your entire life planned out yet, but it’s important to set some financial goals.

解决办法:现在就制定目标

花点时间设定一些财务目标. Do you want to buy a house within the next decade? 你梦想创业吗? 你希望在55岁退休吗? Having a concrete goal in mind will help you stick to your budget and manage your money responsibly.

20多岁的时候搞砸了? It’s not too late to get your finances on track! Follow our tips for a financially sound future.