年輕的單身人士的財務(wù)規(guī)劃面臨著一些獨(dú)特的挑戰(zhàn)。無論你是一直單身，還是剛分手或離婚，在理財時需要銘記一點(diǎn)，你就是自己唯一的收入來源。你仍然有賬單要付，你需要確保自己在沒有伴侶可以依賴的時候利用好現(xiàn)有資金。下面來聽聽專家是如何建議的：

1. Start Planning for Retirement
開始為退休做計劃

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(yīng)該做的第一件事是為退休做打算。提前定期繳納養(yǎng)老金意味著你繳納較低的總收入百分比就可以了，而且，你也不需要擔(dān)心以后需要高額補(bǔ)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.
明智的做法是你要按照自己退休養(yǎng)老的打算去做計劃。這樣可以讓你存夠錢并且做好準(zhǔn)備。還可能有助于你能夠提前退休。

2.Create a Financial Plan
制定財務(wù)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(wù)計劃可以包括從職業(yè)規(guī)劃到退休計劃的所有內(nèi)容。如果這感覺太多了，就從五年計劃開始。五年后你想去哪里？為了達(dá)到這個目標(biāo)，你需要在經(jīng)濟(jì)上做些什么？

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.
然后把它分解成每年和每月的目標(biāo)和步驟。一定要把退休等長期目標(biāo)納入計劃的一部分。這可能包括回到學(xué)校接受教育以幫助你實(shí)現(xiàn)下一個職業(yè)目標(biāo)。

3. Focus on Climbing the Career Ladder
專注于事業(yè)發(fā)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(xiàn)在是一個專注于事業(yè)發(fā)展的好時機(jī)。晉升需要時間和努力。制定明確的目標(biāo)，然后確定你需要做些什么來實(shí)現(xiàn)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.
這可能意味著換公司，搬到另一個城市或回到學(xué)校。這可能意味著你要做兼職工作，或者建立一個職業(yè)關(guān)系網(wǎng)，然后找一個導(dǎo)師來幫助你實(shí)現(xiàn)這個目標(biāo)。

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(yè)道路的步驟，并開始實(shí)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條新的道路是可以的。

Dreams can change, but the key is to keep moving forward toward that dream.
夢想可以改變，但關(guān)鍵是要繼續(xù)朝著夢想前進(jìn)。

4.Make Sure You Are Budgeting
確保你有做預(yù)算

Budgeting is one of the biggest tools to managing your money properly.
做預(yù)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(dāng)你單身的時候，不做預(yù)算是很容易的。你的開銷很簡單，如果你付了賬單，那么什么時候、怎樣花錢又有什么關(guān)系呢?

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(yù)算可以幫助你找到可以削減開支的領(lǐng)域，把更多的錢用于儲蓄或債務(wù)。

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.
讓你的收入成為一種工具，并有效地進(jìn)行預(yù)算。這并不是說你不應(yīng)該找樂子，而是要在制定財務(wù)計劃時決定你能負(fù)擔(dān)得起的開支，并堅持這個數(shù)額。

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.
保險就是為了保護(hù)你的?？吹侥忝總€月的收入都有一部分要用于保險是不開心，但它確實(shí)是為了保護(hù)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(dāng)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(zhǔn)備應(yīng)急基金的話。

6.Build Your Emergency Fund
建立應(yīng)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(yīng)急基金是必不可少的。如果你突然失業(yè)，這可能會讓你免于無家可歸。

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(fèi)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.
對于只靠單一收入維持生活的人來說，一年的花費(fèi)是一個很好的應(yīng)急基金目標(biāo)。這會給你時間去找一份新工作，不會有太大壓力。

來源：滬江英語
審校：Jade 丹妮