空军退伍军人需要削减开支和债务。这里有一些建议

2020-10-18 08:06

An Air Force Vet Needs to Cut Expenses and Debt. Here’s Some Advice. L1W世界播

空军退伍军人需要削减开支和债务。这里有一些建议L1W世界播


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For Joshua Wright and his family, the immediate financial goals are to reduce monthly expenses and pay off debt. L1W世界播

对于约书亚·赖特(Joshua Wright)和他的家人来说,眼前的财务目标是减少每月的开支,偿还债务L1W世界播


Joshua Wright, a freshman at Kent State University, is not your typical college student. He and his wife, Melissa Wright, live in nearby Rootstown, Ohio, with their three children ages 8, 12 and 14. L1W世界播

肯特州立大学(Kent State University)大一新生约书亚·赖特(Joshua Wright)不是典型的大学生。他和他的妻子梅丽莎·赖特(Melissa Wright)和他们的三个孩子住在俄亥俄州附近的鲁特斯敦(Rootstown),年龄分别为8岁、12岁和14岁。L1W世界播


Mr. Wright is a retired Air Force veteran, 45 years old, and attending Kent State on the GI Bill, which means the military covers 100% of his tuition, provides a stipend for school supplies and pays $1,200 a month toward the Wrights’ living expenses. L1W世界播

赖特现年45岁,是一名退役空军退伍军人,在肯特州立大学参加美国退伍军人法案(GI Bill),这意味着军方支付了他100%的学费,提供学习用品津贴,每月支付1,200美元用于莱特夫妇的生活费。L1W世界播


That is a big help for the couple, whose immediate financial goals are to reduce their monthly expenses and pay off debt. Mr. Wright, who is majoring in applied engineering with a minor in sustainable energy, plans to seek an engineering position at a sustainable energy company when he graduates. While Ms. Wright is currently a stay-at-home mom, she was an accounting manager at a property-management firm before the children were born. L1W世界播

这对这对夫妇来说是一个很大的帮助,他们目前的财务目标是减少每月的开支,还清债务。莱特先生主修应用工程,辅修可持续能源,他计划毕业后在一家可持续能源公司寻求一个工程职位。虽然赖特目前是一名全职妈妈,但在孩子出生之前,她是一家物业管理公司的会计经理。L1W世界播


The Wrights were living in Kansas in 2019 when their home flooded. Almost everything was destroyed. They had $35,000 of renters insurance, but that wasn’t enough to cover all expenses, so they made up the difference by using credit cards. L1W世界播

2019年,莱特夫妇住在堪萨斯州,当时他们的家被洪水淹没。几乎所有的东西都被毁了。他们有3.5万美元的租客保险,但这不足以支付所有费用,所以他们用信用卡弥补了差额。L1W世界播


Mr. Wright also receives $1,800 a month in retirement pay from the Air Force and $2,400 a month in veterans disability for an injury incurred while he was in the service. And, even though they now live in Ohio, the couple receives an $800-a-month stipend from the state of Kansas because they adopted two of their children from foster care there. L1W世界播

赖特还每月从空军领取1800美元的退休工资,以及每月2400美元的退伍军人伤残抚恤金,以补偿他在服役期间受伤。尽管他们现在住在俄亥俄州,但这对夫妇每月从堪萨斯州获得800美元的津贴,因为他们从那里的寄养中心收养了两个孩子。L1W世界播


Mr. Wright bought a home for $230,000 last year, using a 30-year, fixed-rate VA loan at 4.1% that required no down payment. The Wrights have two auto loans: $27,000 and $12,000, with interest rates at 5.3% and 4.9%, respectively. They also have $30,000 in debt spread over 14 credit cards. L1W世界播

赖特去年花了23万美元买了一套房子,贷款利率为30年期,固定利率为4.1%,无需首付。莱特夫妇有两笔汽车贷款:27,000美元和12,000美元,利率分别为5.3%和4.9%。他们还有3万美元的债务,分布在14张信用卡上。L1W世界播


The family’s monthly expenses include: $1,429 for the mortgage; $895 for two car payments, plus $150 in car insurance; $770 to service credit-card debts; $400 for groceries; $220 utilities and trash; $185 for cellphone and internet; $100 for kids expenses, $300 eating out, $200 for life insurance and $16 dental insurance. The family’s health insurance is covered by the military. L1W世界播

这家人每月的支出包括:1429美元的抵押贷款;895美元的两次汽车还款,外加150美元的汽车保险;770美元的信用卡债务;400美元的食品杂货;220美元的水电费和垃圾;185美元的手机和互联网费用;100美元的儿童费用,300美元的外出就餐费用,200美元的人寿保险和16美元的牙科保险。这家人的医疗保险由军方承保。L1W世界播


After paying down their debt, the Wrights would like to continue to reduce monthly expenses and then be in a position to save money for retirement and help their children pay for education. L1W世界播

在还清债务后,赖特夫妇希望继续减少每月的开支,然后有能力为退休存钱,并帮助他们的孩子支付教育费用。L1W世界播


Advice from a pro: Dan Andrews, a certified financial planner with Financial Planning Fort Collins, in Fort Collins, Colo., says now is a good time for the couple to rethink their approach to their finances. Developing good habits now will help them enormously once Mr. Wright graduates and increases his income, Mr. Andrews says. L1W世界播

来自一位专业人士的建议:丹·安德鲁斯(Dan Andrews)是科罗拉多州柯林斯堡财务规划堡(Financial Planning Fort Collins)的一名注册财务规划师,他说,现在是这对夫妇重新考虑他们的财务方法的好时机。安德鲁斯说,一旦赖特毕业并增加收入,现在养成好习惯将对他们有很大帮助。L1W世界播


First, they need to cut their spending. About 20% of their monthly income is going to car payments, Mr. Andrew says. Replacing the more expensive car with something cheaper, yet equally safe, could save them roughly $300 a month. Next, if they spent $100 a month at restaurants instead of $300 and reduced their cellphone bill by $50, perhaps through a military or student discount, the couple would have an extra $550 a month. That, coupled with the roughly $540 a month they currently have left after expenses, means a surplus of almost $1,100 a month, or more if the Wrights find other ways to save. L1W世界播

首先,他们需要削减开支。安德鲁说,他们每月收入的大约20%将用于支付购车费用。用更便宜但同样安全的车取代更昂贵的车,可以为他们每月节省大约300美元。下一步,如果他们每月在餐厅花费100美元,而不是300美元,并减少50美元的手机费,可能是通过军事或学生折扣,这对夫妇每月将有额外的550美元。再加上他们目前每月扣除开支后剩下的大约540美元,这意味着每月有近1100美元的盈余,如果赖特夫妇找到其他储蓄方式的话,盈余甚至更多。L1W世界播


Half of that surplus should then be used to build up an emergency fund of about $25,000 for five months of expenses, so they can avoid using credit in an emergency. They should put that money into a high-yield savings account that is separate from their checking account. The other half should go to paying down credit-card debt; they can pay down the card with the highest interest first or consolidate their debt into one payment. Mr. Andrews recommends they look into debt-counseling services through the military or Kent State to help figure out the most efficient way. L1W世界播

盈余的一半应该用来建立大约2.5万美元的应急基金,用于五个月的开支,这样他们就可以避免在紧急情况下使用信贷。他们应该把钱存入一个高收益的储蓄账户,这个账户与他们的支票账户是分开的。另一半应该用于偿还信用卡债务;他们可以先还清利息最高的卡,或者将债务合并为一笔付款。安德鲁斯建议他们通过军方或肯特州立大学研究债务咨询服务,以帮助找出最有效的方法。L1W世界播


Mr. Andrews says it’s important that they pay down as much debt as possible while Mr. Wright is a student, so it becomes a habit, and then substantially increase those payments when he gets a full-time job after graduation. L1W世界播

安德鲁斯说,重要的是,在赖特先生还是学生的时候,他们尽可能多地还清债务,所以这成了一种习惯,然后在他毕业后找到一份全职工作后,大幅增加这些还款额。L1W世界播


The couple should also consider part-time jobs for one or both of them. L1W世界播

这对夫妇还应该考虑为他们中的一个人或两个人做兼职工作。L1W世界播


Good financial habits now will put them in a much stronger position not only to pay down debt, Mr. Andrews says, but also to start planning for other important financial goals, like their own retirement and even helping their children through college, once his income increases. L1W世界播

安德鲁斯说,现在良好的财务习惯将使他们处于更有利的地位,不仅可以偿还债务,而且一旦收入增加,他们还可以开始计划其他重要的财务目标,比如退休,甚至帮助他们的孩子读完大学。L1W世界播


“He has the discipline, because he is a veteran, and the mind-set, because he is a student, to create new habits and stay on track,” says Mr. Andrews. L1W世界播

安德鲁斯说:“他有纪律,因为他是一名老兵,他有思维定势,因为他是一名学生,要养成新的习惯,保持在正轨上。”L1W世界播

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