If you’re like most people, you’ve been working toward a financial goal. Maybe it’s a new car, maybe it's an Alaskan cruise, maybe it's a she-shed. 不幸的是, 因为意想不到的费用突然出现, 从你的储蓄罐里取出钱来支付费用是很容易的.
如果你厌倦了从未来偷东西, try putting your cash into targeted savings accounts for specific savings goals.
这不是一个新概念. 有人称之为桶装预算. 其他人称之为信封系统.
当然, 我们选择不从字面上理解这些话，因为, 坦率地说, 把100多美元装进一个信封的行为, 或者Heaven forbid a literal bucket, 听起来危险.
如果你想要一个安全的方法更快地达到你的目标, opening multiple savings accounts through your credit union or bank can be a game changer. By setting up a savings account for each of your short-term savings goals, you can see with your own eyes how much money you’ve put toward that goal. And thanks to compounding interest, putting money toward your goals means reaching them faster.
开设多个账户是免费和无痛的.
Having multiple savings accounts is great — because unlike credit cards, 开多个账户不会影响你的信用评分. For instance, you can open up to five secondary savings accounts at Louisiana FCU for free. Throw those in with your primary savings account and other specialty accounts, 像圣诞节俱乐部, Money Market or Share Certificates (we'll talk more about these later), 突然之间你就有了所有你需要的积蓄.
Multiple accounts help you set (and stick to) distinct financial goals.
The biggest reason to open more than one account is to track exactly how much you have saved toward each individual savings goal. 如果在接下来的12个月内你想买辆房车, reshingle屋顶, 带你的家人来路易斯安那州立大学赛季揭幕战, you can open an account for each of those goals and see at a glance how close you are to reaching them.
自动转账十大网投官方入口支付 你自己 第一个.
Setting up automatic savings transfers each month helps get rid of the hassle and excuses you'll make to avoid saving. 这是一个立竿见影的效果.
你会欺骗自己去存钱.
科学证明，人类的大脑 不喜欢存钱. Having an account for each of your goals can be an effective behavioral trick to keep your pesky mind in line. For instance, if you take money out of a catch-all savings account, it won't feel like much. 但如果你看到标签上写着“度假”,” your mind will recognize that it's hurting your chances of taking a future trip and will force you to think about what your trading away.
If the temptation to spend money from your savings account is too strong, protect 你自己 from 你自己 by putting the designated money further out of reach. No, we’re not talking about stashing your cash in the attic (though you’re welcome to try). 相反，试着开一个更难进入的账户.
- A 货币市场帐户 limits how many monthly withdrawals you can make and gives you a slightly better rate than a traditional savings account.
- A 股票 对于需要六个月以上才能实现的目标来说，是不是很棒. 有了这个账户，你的资金使用受到限制, 但从长远来看会有更好的回报:这是对你耐心的回报.
相关文章: The practical way to reach your financial goals: Share Certificates
我应该开几个储蓄账户?
From our experience, having anywhere from four-to-seven designated accounts is the sweet spot. 不同的人有不同的义务和梦想, 但如果你刚刚起步, 我们推荐以下账户阵容.
1. 有趣的资金账户
账户类型:初级储蓄
Strategy: Toss in your extra cash and spend it when you feel like it
Saving money doesn’t always have to be about making responsible adult decisions. 攒钱买你想要的东西感觉就像一场真正的胜利. 你有我们的许可:创建一个有趣的东西的帐户. Whenever you have cash leftover at the end of the month, toss it into your fun money account. This way, you can buy the things you want without feeling any remorse.
2. 应急基金
账户类型:二级储蓄
策略:存钱，然后忘了它
你一定听过这句老话:什么会出错，什么会出错.” When things go south, it’s important to have money set aside to act as a safety net. Open a savings account that’s strictly used for unpredictable emergencies. Feed the account until the balance can cover at least three months’ worth of living expenses. 如果幸运的话，你永远都不用碰它.
3. 旅游度假储蓄
账户类型:二级储蓄
策略:排空和补充
旅行是昂贵的. 你是否正在计划一个放松的假期, 或者坐飞机去克利夫兰参加你表弟的婚礼, your goal should be to set a budget and feed this account until you have enough. Even after you’ve taken your trip, continue to deposit money into this account for future adventures.
相关文章: 5 affordable vacation spots within driving distance of southeast Louisiana
4. 家庭和汽车费用
账户类型:二级储蓄
策略:在需要时构建和使用
Somewhere down the road (perhaps literally), unexpected auto and home repairs will pop up. 你不知道要花多少钱，也不知道什么时候会发生, 但你知道这些费用是不可避免的. This account is a lifesaver when your fridge suddenly stops running or your engine fails. 我们建议至少买2美元,000 in this account at all times so you can attack the problem as soon as it happens.
5. 大的目标
账户类型:二次储蓄或股票
策略:把钱堆起来，冲洗，然后重复
不管你的目标是买房子, 上大学, 购买圣徒队赛季门票, 或者最终得到你想要的船, designating an account to your big-ticket goal will help you take concrete steps toward reaching your dream while leaving room for other costs. Set an end date for the goal and calculate how much you can put away monthly to reach it. Fight the urge to withdraw cash from this account until you've reached your target amount.
6. 假日储蓄
账户类型:圣诞俱乐部
策略:排空和补充
每年圣诞节都来得很快. 开一个储蓄账户，专门用于假日消费. 我们建议使用 圣诞节俱乐部 account for this goal because it locks down the money until November 1. 决定你可以从每张支票中留出多少钱. 不需要很多. Even if you save $10 a week, that’s $520 to spend during the holidays. 你可能想设置自动转移来强制责任, 因为不可否认, 为四月的假期存钱感觉很奇怪.
通过多个账户建立一个舒适的储蓄巢, you'll be better prepared for life’s curve balls without putting your dreams on hold.
Here's how you can track your financial goals on our online portal:
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