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视角姬_洋视角:外出旅行缺点钱 五大妙招来助阵

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       如果你在谋划一个大的出行计划,那么理智投资会助你一臂之力。毋庸置疑,选择飞机出行可是一笔不小的花销,家里有几口人,你一算便知。据美国劳动统计局最新数据显示,对于高收入家庭或年收入逾75600美元的家庭而言,年均旅行开支已上涨为3718美元。

 

  提前为家庭旅行进行合理储蓄,将有助于计划的顺利实现。但是,合理储蓄的关键点不在于储蓄额度,而在于储蓄方式。对于如何培养良好的储蓄习惯,以下5点建议值得参考:

 

第一、制定战略

 

 

  制定出行计划前,不仅应提前考虑适合孩子的时间段(日常假期或暑假),还要考虑自身最佳的储蓄开始节点。储蓄开始节点有诸多选择,得了奖金或假日现金后,又或者退税季节等都是不错的选择。根据实际情况制定时间表,绝对靠谱。

 

第二、接受风险

 

  对于可能发生的风险,一定要有清醒的认识。如果你的出行日期定在两年后,建议你将储蓄账户中的基金转投到投资账户之中。只要分配合理,你就有机会通过市场收益提高收支平衡。

  

 

       如果你在谋划一个大的出行计划,那么理智投资会助你一臂之力。毋庸置疑,选择飞机出行可是一笔不小的花销,家里有几口人,你一算便知。据美国劳动统计局最新数据显示,对于高收入家庭或年收入逾75600美元的家庭而言,年均旅行开支已上涨为3718美元。

 

  提前为家庭旅行进行合理储蓄,将有助于计划的顺利实现。但是,合理储蓄的关键点不在于储蓄额度,而在于储蓄方式。对于如何培养良好的储蓄习惯,以下5点建议值得参考:

 

第一、制定战略

 

 

  制定出行计划前,不仅应提前考虑适合孩子的时间段(日常假期或暑假),还要考虑自身最佳的储蓄开始节点。储蓄开始节点有诸多选择,得了奖金或假日现金后,又或者退税季节等都是不错的选择。根据实际情况制定时间表,绝对靠谱。

 

第二、接受风险

 

  对于可能发生的风险,一定要有清醒的认识。如果你的出行日期定在两年后,建议你将储蓄账户中的基金转投到投资账户之中。只要分配合理,你就有机会通过市场收益提高收支平衡。

 

第三、具体化目标

 

 

  鉴于具有“自我否定”这一特点,因而传统预算达不到预期效果。较之传统预算,具体化目标并非设定类似“ 少下馆子”这样的限制条件 ,而是鼓励个人牢记自己的储蓄目的。根据行为调查结果显示,一旦将目标具体化,人们实现预期目标的可能性会更大。

 

第四、自动化储蓄

 

  要想保证计划如期进行,自动化储蓄堪称明智之举。头脑理智时,做出一个好决定(比如为全家人的巴黎假期开始储蓄)并不难。比较困难的是,如何在实现这一决定的过程中排除其他短期诱惑或花销的干扰。将储蓄自动化有助于你排除外界干扰,依计划行事。

 

第五、区分不同账户

 

  将旅行账户和其他储蓄账户或投资账户区分开来,是个好主意。通过设定目标,你会避免一些冲动消费。之所以将旅行账户和其他账户区别开来,其原因在于一方面可助你明确奋斗目标,另一方面可避免目标实现过程中“节外生枝”的花销。

 

 

  别再浪费时间思考如何培养良好的储蓄习惯了,行动起来才是关键。毕竟,我们已经制定了一个旅行计划,努力实现它才最重要!

 

原文:

 

Five Ways to Save For a Bigger Vacation

 

  If you’re dreaming about a trip for the ages, we show how to make it a reality with intelligent investing.

 

  Buying one airplane ticket to a faraway destination can be pricey. Now multiply that cost by each member of your family. It’s not cheap to take the whole gang on vacation. According to themost recent figuresfrom the Bureau of Labor Statistics, spending on travel adds up to $3,718 each year on average for high-earning households, or those earning more than $75,600 in annual income.

 

  Intelligent saving ahead of time can make a family vacation doable. The key is that it’s not just whatyou save buthowyou save. Here are five ways to optimize your vacation saving habits.

 

1.  Strategize: 

 

  Think ahead to when your kids will get the most out of a big trip — over the holidays or during summer vacation — and when you are most likely to start saving toward that goal. It may be after receiving a bonus, holiday cash, or during tax-refund season. Plan your timeline accordingly.

 

2.  Embrace Risk:

 

  There’s such a thing as considered risk. If your travel date is more than two years away, consider depositing your funds into an investment account over a savings account. With the right allocation — which Betterment will customize for you based on your exact timeline — you will have the opportunity to boost your balance with the returns of the market.

 

3.  Be Specific:

 

  Traditional budgets don’t work because they focus on self denial. Rather than setting restrictive limits on yourself like “spend less on restaurants,” try to visualize that thing you’re actually saving for. Behavior research shows thatpeople are more likely to achieve an outcomewhen they specify what they are working towards.

 

4.  Make Saving Automatic:

 

  Automating deposits into your savings or investment fund keeps you on track. It’s easy to make good decisions, like vowing to save up for family time in Paris, when you’re rational. It’s harder to achieve these things when it comes to resisting short-term temptations or juggling expenses. Automating your deposits helps you stick to the plan no matter what happens.

 

5.  Think Buckets:

 

  It’s a good idea to keep your vacation account separate from other savings or investments. By creating a goal, you can helpavoid poor mental accounting. Separating your vacation “bucket”enumerateswhat you’re working towards, instead of having a slushfund which may be raided for other expenses that come up along the way.

 

  Don’t waste your time trying towill yourself into good savings habits– let us do that. You’ve got a vacation to plan!(原文出处:betterment 网站)

 

栏目介绍:“洋视角”是理财频道新开设的一个栏目,栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点,以期对国内投资者的投资理财有借鉴意义。

 

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