3. Migrate to a debit card or to plastic that must be paid each month.

改用每個(gè)月必須還款的借記卡或其他銀行卡。

Cutting up credit cards makes a lot of sense and eliminating all credit-card debt makes even more sense. The interest rates associated with credit-card debt can easily overwhelm the returns you can get elsewhere.

剪碎信用卡很有道理，消除全部信用卡債務(wù)就更有道理了。信用卡利率能輕易地抹消你在其他地方獲得的收益回報(bào)。

But the world is moving away from cash at a rapid clip. The notion of having no plastic is barely feasible. Try buying a plane ticket with cash and see what that sparks in the government computers.


不過，現(xiàn)在世界正在迅速擺脫使用現(xiàn)金的年代。不用信用卡的想法幾乎是行不通的。試試用現(xiàn)金買機(jī)票，看看這會(huì)在政府的電腦里引起什么樣的反應(yīng)。

So what kind of card to have? A debit card acts just like cash, which makes it the best option. You can spend only what you have.

那么應(yīng)該擁有什么樣的卡呢？借記卡的功能就像現(xiàn)金一樣，因此是最佳之選。用借記卡，你就只能量入為出。

Second be stare charge cards that require payment in full each month. Ever since I paid off my last credit-card debt in 1996, I have only used a charge card or a debit card. It gets tough, especially around big events such as Christmas. But it's nice to not have a tempting and expensive option in the wallet.

第二個(gè)最佳選擇是每個(gè)月需要全額還款的簽帳卡。從1996年我把最后一筆信用卡帳單付清之后，就只用簽帳卡或借記卡了。雖然不容易，特別是在圣誕節(jié)這樣的大日子前后。不過錢包里沒有誘人而用價(jià)不菲的信用卡，也不錯(cuò)。

4. Rebalance your investments. 平衡投資

Last year,r ebalancing meant adding to stock exposure after a year of steep stock losses. That notion felt mildly crazy at the time, but it proved wise.

在去年，平衡投資就意味著在一年的股市投資巨虧之后增加股市敞口。當(dāng)時(shí)這種想法感覺有些瘋狂，不過事實(shí)證明是明智之舉。

That's because stocks rallied from the March lows and put in a remarkably strong year. Now, most of us are probably too heavy on the stock side of the equation. Moving some of the money into bonds or even cash to regain balance would be prudent.

這是因?yàn)楣墒袕?月份低點(diǎn)大幅上漲，一年的漲勢(shì)都非常強(qiáng)勁。如今，我們大部分人的投資或許都過于偏重股票。把投資股市的一部分錢用于債券甚至是持有現(xiàn)金，以恢復(fù)投資平衡，這會(huì)是一種謹(jǐn)慎的做法。

5. Plan to reward yourself. 獎(jiǎng)勵(lì)自己

New Year's resolutions usually don't stick and a big reason is that it's all like eating sawdust. Go on a diet, save money, don't spend. Wes tart the year like ascetic monks and by February we discover that the monastic life isn't for us.

新年決心常常無法堅(jiān)持下去，一個(gè)主要原因是這個(gè)過程不太好受。節(jié)食、攢錢、不花錢。我們以苦行僧的姿態(tài)開始了新的一年，而到了2月份，卻發(fā)現(xiàn)這種生活并不適合我們。

Therefore, it's important to have one resolution that is fun. A little sugar with the vinegar.

因此，制定一個(gè)有趣的新年決心很重要。要學(xué)會(huì)苦中作樂。

If we keep the first four resolutions, we'll reward ourselves for getting the newd ecade off to a good financial start.

如果我們堅(jiān)持前四個(gè)決心，就可以為給未來10年打下一個(gè)良好的財(cái)務(wù)開端獎(jiǎng)勵(lì)自己了。