大多數(shù)美國(guó)人相信他們將在2030年實(shí)現(xiàn)他們的財(cái)務(wù)目標(biāo)

大多數(shù)美國(guó)人相信他們將在2030年實(shí)現(xiàn)他們的財(cái)務(wù)目標(biāo)

A new decade is a time for new resolutions and seven in 10 Americans are optimistic they’ll achieve their financial goals by 2030, according to a new survey.

一項(xiàng)最新調(diào)查顯示，新十年是制定新計(jì)劃的時(shí)候，70%的美國(guó)人對(duì)2030年實(shí)現(xiàn)財(cái)務(wù)目標(biāo)持樂(lè)觀態(tài)度。

From buying a house (51 percent) to going debt-free (56 percent), people are thinking ahead and want to use the new year to start planning their financial future.

從買房(51%)到無(wú)債務(wù)(56%)，人們都想在新的一年開(kāi)始規(guī)劃自己的財(cái)務(wù)未來(lái)。

Other major milestone goals for the new decade included taking a dream vacation (40 percent), getting married (38 percent) and becoming financially independent (36 percent).

新十年的其他主要里程碑目標(biāo)包括:夢(mèng)想之旅(40%)、結(jié)婚(38%)和經(jīng)濟(jì)獨(dú)立(36%)。

The survey of 2,000 Americans examined the resolutions and expectations people have when it comes to their wallets. Many are taking it seriously, as 44 percent already have a specific goal in mind for 2020.

這項(xiàng)共有2000名美國(guó)人參加的調(diào)查主要考察了人們?cè)诨ㄥX方面的決心和期望。許多人都很認(rèn)真，因?yàn)?4%的人已經(jīng)有了2020年的具體目標(biāo)。

Conducted by OnePoll and commissioned by CreditWise from Capital One, the survey found things are looking up for 2020 since three in five (63 percent) are “very confident” they’ll make their New Year’s financial resolutions a reality.

這項(xiàng)由OnePoll和CreditWise委托Capital One進(jìn)行的調(diào)查發(fā)現(xiàn)，2020年的情況正在好轉(zhuǎn)，因?yàn)槲宸种?63%)的受訪者“非常有信心”實(shí)現(xiàn)自己的新年財(cái)務(wù)計(jì)劃。

It might take some creative methods to pinch pennies, but respondents are up to the task. Half of those with a 2020 monetary resolution plan (51 percent) will be putting more money from their paycheck straight to savings and cutting back on eating out (51 percent).

可能需要一些創(chuàng)造性的方法來(lái)節(jié)省開(kāi)支，但受訪者能夠勝任這項(xiàng)任務(wù)。在制定了2020年貨幣解決計(jì)劃的人中，有一半(51%)將直接從工資中拿出更多的錢存起來(lái)，并減少外出就餐的次數(shù)(51%)。

With the streaming wars in full force, four in 10 with a New Year’s financial resolution will be cutting their cable bill, while 47 percent will be canceling unnecessary subscription services that can add up to a pretty penny.

隨著流媒體大戰(zhàn)的全面展開(kāi)，每10個(gè)有新年財(cái)務(wù)計(jì)劃的人中就有4個(gè)會(huì)削減有線電視的費(fèi)用，而47%的人會(huì)取消不必要的訂閱服務(wù)，而這些訂閱服務(wù)加起來(lái)可以省下一大筆錢。

Buying expensive lunches can put a dent in savings — one in five say a New Year monetary goal will be brown-bagging lunches in 2020.

購(gòu)買昂貴的午餐可能會(huì)減少儲(chǔ)蓄——五分之一的人表示，2020年的新年貨幣目標(biāo)將是自帶午餐。

“Good credit can go a long way in helping consumers achieve their financial goals,” said Chris Gatz, head of CreditWise at Capital One. “The key is making healthy credit behaviors part of your routine year-round. There are many tools out there, like CreditWise, a free credit monitoring tool that helps people understand, improve and monitor their credit and is available for free to everyone-Capital One customer or not.”

“良好的信用對(duì)幫助消費(fèi)者實(shí)現(xiàn)他們的財(cái)務(wù)目標(biāo)大有幫助，”Capital One的CreditWise主管克里斯•加茨(Chris Gatz)表示。“關(guān)鍵是讓健康的信貸行為成為你全年的日常生活的一部分?，F(xiàn)在有很多工具，比如CreditWise，這是一個(gè)免費(fèi)的信用監(jiān)控工具，可以幫助人們了解、改善和監(jiān)控自己的信用，而且對(duì)所有人都是免費(fèi)的——不管是不是capital One的客戶。”

Respondents are hoping little tweaks will have big payoffs someday, but that doesn’t mean a little — or big — help wouldn’t be nice.

受訪者希望小小的調(diào)整有一天能帶來(lái)大的回報(bào)，但這并不意味著一點(diǎn)點(diǎn)或很大的幫助就不好了。

Twenty-two percent of respondents admitted that they would need an outright miracle to help meet their dream financial milestones.

22%的受訪者承認(rèn)，他們需要一個(gè)徹底的奇跡來(lái)幫助他們實(shí)現(xiàn)夢(mèng)想中的財(cái)務(wù)里程碑。

But more realistically, Americans say gunning for higher salary (40 percent), meeting with financial advisors (26 percent) and paying off all loans (47 percent) would be helpful.

但更現(xiàn)實(shí)的情況是，美國(guó)人說(shuō)爭(zhēng)取更高的薪水(40%)、與財(cái)務(wù)顧問(wèn)會(huì)面(26%)和還清所有貸款(47%)會(huì)有幫助。

Twenty-nine percent of respondents admitted what they would really need to make those dreams come true was more self-control.

29%的受訪者承認(rèn)，要實(shí)現(xiàn)這些夢(mèng)想，他們真正需要的是更多的自我控制。

That might be why one in four (26 percent) would rather get a cavity filled than make a budget for 2020.

這可能就是為什么四分之一(26%)的人寧愿去補(bǔ)牙也不愿做2020年的預(yù)算。

Respondents blamed a variety of factors for their negative financial impacts with number one being medical expenses (46 percent).

受訪者認(rèn)為造成負(fù)面經(jīng)濟(jì)影響的原因有很多，其中首當(dāng)其沖的是醫(yī)療費(fèi)用(46%)。

Periods of unemployment (35 percent) obviously prompted more spending than saving. Common, but necessary expenses like car repairs (19 percent) and family emergencies (22 percent) certainly didn’t help either.

失業(yè)時(shí)期(35%)明顯刺激了更多的消費(fèi)而不是儲(chǔ)蓄。汽車維修(19%)和家庭緊急情況(22%)等常見(jiàn)但必要的費(fèi)用當(dāng)然也沒(méi)有幫助。

Additionally, 16 percent admitted a lack of credit history hindered their financial growth. Sixty-four percent revealed they’re worried their credit score could prevent them from achieving their milestone financial goals.

此外，16%的人承認(rèn)缺乏信用記錄阻礙了他們的財(cái)務(wù)增長(zhǎng)。64%的人表示，他們擔(dān)心自己的信用評(píng)分可能會(huì)妨礙自己實(shí)現(xiàn)重要的財(cái)務(wù)目標(biāo)。