How do I protect my money from inflation?

经济会带来很多不确定性，但是 high inflation it’s top of mind for many people. If you have certain financial safeguards in place, you may be better able to weather potential storms. 这里有一些关于如何对抗通货膨胀的建议，可以帮助你保持稳固的财务基础.

How to manage personal finances and save money

• Pay off debt. As challenging as it may be, make debt reduction one of your top priorities — particularly credit card balances with high interest rates.
• Create or add to your emergency fund. 如果你收到退款、奖金或加薪，考虑把一部分钱存进你的账户 emergency fund 或储蓄.
• Consider refinancing your home. 如果抵押贷款利率较低，你可能想要考虑固定利率贷款. 如果你有一个浮动利率抵押贷款，并切换到固定利率抵押贷款, 当你知道你的抵押贷款还款额时，制定预算可能会更容易.
• Look for ways to scale back. Consider moving to a smaller, more affordable home or 公寓. At the same time, 卖掉你不再使用的物品——比如一辆健身自行车或一堆你不再感兴趣的物品——然后 save the money.
• Reduce non-essential spending. 回顾你的自愿支出，比如外卖、流媒体订阅、娱乐或旅行.
• Save when you shop. Take advantage of coupons, credit card points, 提供汽油奖励的商店忠诚度计划或会员卡. 尝试购买通用品牌，甚至通用处方，帮助你节省更多.
• Try to live on one salary. If you and your partner are both employed, 挑战一下自己，靠一份收入生活，把其中的一部分或全部收入投入其中 the rest in savings. 考虑存一些钱到紧急情况下可以使用的账户.
• 谈判. 要求降低信用卡利率和商品折扣并没有什么坏处. 如果某项服务有注册费用，看看是否可以免除该费用. 一些零售商可能会同意，希望能留住你这个顾客.
• Renegotiate monthly service bills. 这些服务包括手机套餐、有线电视和互联网. 许多供应商提供介绍性价格来吸引新客户. 一段时间后，利率稳步攀升. 看看你每月的花费，联系那些公司，看看他们是否愿意协商一个更好的价格. It’s a good way to chip dollars off your monthly budget.
• Examine monthly subscriptions. Subscriptions for streaming channels, beauty products, magazines and delivery services can be easy to forget about, but the costs add up over the course of a year. It’s good practice to measure these as need versus want. Once you do that, it can help trim down to the necessities.
• Pay cash for purchases. Spend only what you have on hand right now. Put off purchases that require you to add to a credit card balance until you have saved enough to cover the cost.
• Enrich your salary potential. 学习新的技能，要求在工作中承担更多的责任，甚至开始一个小的兼职生意. In a downturn, the expertise you bring to a position 可能会让你成为公司的无价之宝——或者在你被裁员时给你选择.
• Ask for a pay increase. While this may be an uncomfortable conversation for some, it’s not an unreasonable request, especially during times of near record high inflation. Advocating for your career is always important.

金融 risks to avoid during an economic downturn

• Raiding your retirement account. You'll typically pay a 10% federal income-tax penalty for removing the funds early, and you'll shortchange your future.
• Letting insurance lapse. 保持你的家庭，残疾，人寿和汽车pp王者电子官网的最新范围. 如果在停机期间发生了什么事情，您将需要这种保护.
• Co-signing a loan. 这是有风险的 除非你确定你能独自承担所有的负担. 即使共同签署人是值得信赖的，也不能保证他或她不会违约.
• Taking on additional debt. Thoroughly evaluate any outlay that results in debt. 孩子的学生贷款可能是合理的债务，但一大笔信用卡费用就不合理了.