20幾歲單身女生一定要知道的6個理財技巧

Making smart moves is essential at any stage of your life. It is important to start out strong and make choices that will prepare you for wherever life takes you. 

在你人生的任何階段，採取明智的舉動都是極其必要的。重要的是要開始堅強，做出選擇，爲生活所需要的一切做好準備。

You may stay single, end up with a partner or start a family, but the positive financial choices you make in your 20s can set you up to meet the next adventure and know that your future is taken care of.

你可能會保持單身，最終和伴侶在一起，或者組建一個家庭，但是你在20多歲時做出的積極的財政選擇可以讓你迎接下一個冒險，並且知道你的未來是會得到照顧的。

Learn ten steps you need to take now.

學習一下你需要現在就採取的十個步驟。

1. Start Planning for Retirement  

開始爲退休做計劃

The first thing you should do is plan for retirement. Contributing early and regularly means that you can get by with contributing a lower overall percentage of your income and you do not need to worry about catching up later. 

你應該做的第一件事是退休計劃。提前定期繳納養老金意味着你繳納較低的總收入百分比就可以了，而且，你也不需要擔心以後需要高額補交。

It makes sense to plan as though you are going to be responsible for your retirement on your own. This allows you to save enough and will leave you prepared. It may help you to be able to retire early.

你做計劃時要好像你自己要爲自己的退休負責那樣，這是有意義的。這樣可以讓你存夠錢並且做好準備。還可能有助於你能夠提前退休。

te a Financial Plan  

制定財務計劃

A financial plan can include everything from your Career plan to your retirement plan. If that feels like too much start out with a five-year plan. Where do you want to be in five years? What do you need to do financially to get there?

財務計劃可以包括從職業規劃到退休計劃的所有內容。如果這感覺太多了，就從五年計劃開始。五年後你想去哪裏？爲了達到這個目標，你需要在經濟上做些什麼？

Then break it down into yearly and monthly goals and steps. Be sure to include long-term goals like retirement as part of your plan. This may include going back to school to get your education to help with your next career goal.

然後把它分解成每年和每月的目標和步驟。一定要把退休等長期目標納入計劃的一部分。這可能包括回到學校接受教育以幫助你實現下一個職業目標。

3. Focus on Climbing the Career Ladder  

專注於事業發展

Now is a great time to focus on the career ladder. It takes time and hard work to move up. Make clear goals and determine what you need to do to reach them.

現在是一個專注於事業發展的好時機。晉升需要時間和努力。制定明確的目標，然後確定你需要做些什麼來實現它們。

It may mean switching companies, moving to another city or going back to school. It may mean that you do side work or create a professional network and find a mentor to help you reach that goal.

這可能意味着換公司，搬到另一個城市或回到學校。這可能意味着你要做兼職工作，或者建立一個職業關係網，然後找一個導師來幫助你實現這個目標。

Break down the steps for the career path you want to take and start taking them. It is okay to switch directions at some point and choose to go a new direction if you find a better fit for you.

列出你想走的職業道路的步驟，並開始實施。如果你找到一個更適合自己的方向，在有些時候改變方向去選擇一個新的方向是可以的。

Dreams can change, but the key is to keep moving forward toward that dream.

夢想可以改變，但關鍵是要繼續朝着夢想前進。

Sure You Are Budgeting  

確保你有預算

Budgeting is one of the biggest tools to managing your money properly.

預算是正確管理資金的最好工具之一。

When you are single, it is easy to justify not creating a budget. Your expenses are straightforward and if you pay your bills what does it matter when and how you spend your money?

當你單身的時候，不做預算是很容易的。你的開銷很簡單，如果你付了賬單，那麼什麼時候、怎樣花錢又有什麼關係呢?

However, your budget can help you find areas you can cut back on spending to put more money toward savings or debt.

然而，你的預算可以幫助你找到可以削減開支的領域，把更多的錢用於儲蓄或債務。

Make your income a tool, and budget effectively. This does not mean you should not have fun, but determine how much you can afford to spend while working on your financial plan and stick to that amount.

讓你的收入成爲一種工具，並有效地進行預算。這並不是說你不應該玩得很開心，而是決定在制定理財計劃的同時，你能負擔得起多少錢，並堅持這麼做。

5. Make Sure You Have the Right Insurance  

確保你有合適的保險

Insurance is there to protect you. It can be frustrating to see your income going to insurance each month, but it is there to protect you.

保險就是爲了保護你的。看到你每個月的收入都有一部分要用於保險是會令人沮喪，但它確實是爲了保護你。

When you are a single, short-term and long-term disability insurance can be a life saver, especially if you do not have an emergency fund saved up.

當你是單身的時候，短期和長期的傷殘保險可以拯救你的生命，特別是如果你沒有準備應急基金的話。

This insurance will protect you if you are suddenly not able to work due to an injury or illness. Health insurance can keep you from going bankrupt when you are suddenly ill. Renter's insurance can help you avoid the stress of replacing everything if you are robbed.

如果你因受傷或生病突然不能工作，這項保險會保護你。健康保險可以防止你突然生病而破產。如果你被搶劫，承租人保險可以幫助你避免要更換所有物品的壓力。

Take the time to make sure you are protected.

花點時間確保你受到保護了。

d Your Emergency Fund  

建立應急基金

An emergency fund is essential if you are single. It can be the thing that save you from being homeless if you were to suddenly lose your job.

如果你是單身，應急基金是必不可少的。如果你突然失業，這可能會讓你免於無家可歸。

It can help cover unexpected expenses and take the worry and weight off.

它可以幫助支付意想不到的費用，減輕憂慮和壓力。

For people living on one income, a year's worth of expense is a good goal. This will give you time to find a new job without too much pressure.

對於只靠一種收入生活的人來說，一年的花費是一個很好的應急基金目標。這會給你時間去找一份沒有太多壓力的新工作。