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2024: Huit décisions financières à prendre

Alexandra Ardelean

Welcome back, everyone. It's that time of year again. Every year, I start the new year with a video about money. And I'm excited to do it again this year. So let's get started.

So, 2023 was a wild year for money. We saw the housing market hit lows we haven't seen in years. We saw student loan forgiveness not happen. We saw recession fears and rising interest rates. It was a lot.

And as we head into 2024, there's still a lot of uncertainty out there. It's an election year, which always brings its own set of financial unknowns. So, it's more important than ever to be prepared for whatever comes our way.

Voici donc huit choses que vous devez faire différemment avec votre argent en 2024.

The first thing you need to do is get on the same page with your spouse. If you're married, you need to combine your finances. Now, I know this is going to get me some backlash in the comments from people who think that combining finances is a bad idea. But I've seen it work for so many couples.

I've seen couples pay off their debt together and achieve financial goals they never could have reached on their own. I've seen couples who were on the brink of divorce turn their marriage around by working together financially.

Une étude sur les millionnaires a trouvé que travailler avec son conjoint était un des facteurs clés de leur succès.

Now, obviously, there are exceptions to this rule. If your spouse has an addiction problem or if they're abusive, then you should keep your finances separate. But for most couples, combining finances is the best way to go.

La deuxième chose que vous devez faire est de vous fixer un budget. Un budget est juste un plan pour votre argent. Il donne à chaque dollar un travail à faire avant le début du mois.

Comme le dit John Maxwell, "Un budget donne un but à chaque dollar." Et quand vous donnez un but à chaque dollar, ça fait comme si vous aviez eu une augmentation.

I can't tell you how many people have told me that they felt like they got a raise when they started budgeting because they were finally telling their money where to go instead of wondering where it went.

Et si vous pensez que les budgets sont juste pour les pauvres, détrompez-vous.

The third thing you need to do is pay off your student loans. Student loans are the worst kind of debt because they tend to linger forever if you don't make them a priority.

Faites-en une priorité et débarrassez-vous en le plus vite possible.

The fourth thing you need to do is protect your emergency fund. Your emergency fund is for emergencies only - things like job loss or medical bills or car repairs.

It's not for things like vacations or home renovations or Christmas presents. If you use it for non-emergencies, then it won't be there when you really need it.

I haven't touched my emergency fund in decades, and just knowing it's there gives me peace of mind.

The fifth thing you need to do is obtain term life insurance through Zander Insurance. Term life insurance is one of the best ways to provide security for your family in case something unexpected happens to you.

Zander makes it easy and affordable to get the coverage you need so that your loved ones will be taken care of no matter what.

The sixth thing you need to do is try out a new side hustle. Increasing your income is one of the best ways to create more financial margin in your life, especially if you're still on baby steps 1-3 in my plan.

En fait, 98% des criards sans dette ont augmenté leurs revenus pendant leur voyage vers la liberté financière en prenant un travail supplémentaire ou en démarrant une entreprise parallèle.

So find something you enjoy doing and see if you can make some extra money doing it.

La septième chose que vous devez faire est de prioriser le contentement.

When you're content, you're less likely to go into debt trying to buy things that will never make you happy anyway.

Et quand vous serez satisfait, vous aurez plus de liberté financière pour être généreux et investir dans des choses qui comptent vraiment.

The eighth thing you need to do is be aware of lifestyle creep. Lifestyle creep happens when your spending increases as your income increases.

It's easy to fall into this trap without even realizing it, especially if you get a raise or pay off some debt and suddenly have more money coming in each month.

But if your spending goes up at the same rate as your income, then you'll never get ahead financially and will always feel stressed about money no matter how much you make.

So be intentional about keeping your spending in check so that you can build wealth and live the life of your dreams without going into debt or living paycheck-to-paycheck.

And remember: You don't have to buy everything right now just because someone else has it right now!

Enfin, voici quelques conseils pour acheter une maison:

  • Be completely debt-free (including paying off your mortgage) before buying another house.
  • Have an emergency fund of 3-6 months' worth of expenses.
  • Acheter sur un prêt à taux fixe de 15 ans avec des paiements pas plus de 25% du salaire net.
  • Don't buy until Baby Step 7 (build wealth and give).

No matter where you are financially right now - whether things are going great or whether things are really tough - there's always hope! You have the power within yourself to change your circumstances and reach your financial goals!

If any of these steps seem overwhelming or impossible right now, I encourage you to take one practical step today toward taking control of your money and changing your future! One simple step could be signing up for EveryDollar budgeting app!