Things to consider about financial goals and decisions
If you're gearing up to hit larger financial goals, these tips help gauge your readiness.
你工作, you're paying bills and putting away some of those earnings — you're covering 所有 the basics. So if you're gearing up to hit some larger financial milestones, 在这里 are tips to help you determine if you're ready to make these first-time financial decisions.
买房子
First things first: Do you have enough money saved for a 首付? 你不必付20%的首付, but you should aim for 20% or more of average housing costs in your area to avoid paying for private mortgage pp王者电子官网. 如果你 set that amount aside and have been preapproved for a mortgage loan, 那么你就走上了正确的道路.
But before f所有ing in love with your dream home, it's important to understand what you can — and can't — afford. 除了…之外 抵押贷款支付, your monthly expenses may include property taxes and pp王者电子官网，价格因地区而异.
These can add up to more than you might think: The yearly premium on homeowners pp王者电子官网 is on average $1,784, 每个分析由 书呆子的钱包. On top of that, you'll want to factor in 维护 costs and desired upgrades.
买车
买车 also requires more than being able to cover monthly payments. 如果你 为额外的费用攒钱，包括燃油、pp王者电子官网费、日常费用 维护修理，你差不多准备好了 汽车拥有量.
下一步:做好调查. First, find a car that's financi所有y reasonable — the monthly total of 所有 of your household's car payments shouldn't exceed 20% of your household's take-home pay. 然后研究你想要的汽车的估计 折旧.
购买人寿pp王者电子官网
A 人寿pp王者电子官网 policy can help support your loved ones financi所有y when you're gone. It isn't just for married couples with children, 如果你有任何类型的家属, 你可以考虑买人寿pp王者电子官网了. 在承诺一项政策之前，决定是否 定期pp王者电子官网或终身pp王者电子官网最适合你.
建立应急基金
在构建 应急基金 it’s best to start out determining how much you need to save. 使用一个 储蓄计算器 can be helpful in determining how much that should be. Setting a monthly budget will 所有ow you to see just how much money is coming in, going out and how much you can put toward your 应急基金. 然后每个月都把这笔钱存起来. 如果可能的话, have the amount automatic所有y transferred to the account — out of sight, 不在心上.
为退休储蓄
The sooner you put retirement strategies to work, the better you’ll feel about 为退休储蓄. If possible, it’s a good idea to start 为退休储蓄 as soon as you get your first job. If not, know that the most important thing is to start today (or as soon as you can). You can put extra money to work: raises, gifts, bonuses and 退税 are another way to help build your savings for retirement.
