自从冠状病毒登陆美国海岸以来, each day seems to bring more devastating news about the state of our economy. 有这么多的不确定性, it’s easy to fall into a panic 和 wonder if financial ruin is on the horizon. However, worrying about it is as effective as changing a tire with a shoe. The best way to approach the unknown is to make sure you’re taking proper precautions to protect your personal finances during this time.
Here are some of the many economic impacts the coronavirus has caused.
- 商店关门了
- 学校停课
- Many large companies have shut down major parts of their operations
- Many Americans are no longer bringing home a monthly paycheck
Here are some practical ways you can prevent this health crisis from becoming a financial crisis.
不要慌张购买
美国很有可能.S. 将成为 下一个冠状病毒的震中, which may trigger within you a sudden urge to buy enough supplies to last you through the summer. It's perfectly reasonable to stock up in anticipation of having to isolate yourself for a while, 但不要恐慌购买. 路易斯安那州 发布了“待在家里”的命令 that allows residents to leave the house for essential work 和 travel, 包括去杂货店吗, 药店, 或十大网投官方入口. To avoid overbuying, ask yourself, “am I buying this because I’m anxious?”
When prepping for an emergency, only spend the money you have available (i.e. cash in your wallet 和 money from your checking account). You definitely don’t want to be on the hook for large purchases if your monthly income is hurting.
削减开支
随着经济走向可能的衰退, start identifying ongoing expenses you can realistically live without. 工作奖金, raises 和 promotions are not h和ed out as freely during a recession as they were in recent years. 有些人甚至会发现自己没有工作. Trimming discretionary spending now can be good practice for making it through the month on a smaller income. 从做一个 对基于订阅的服务进行审计 和 calculating how much you can save per month without them.
相关文章: How much are you actually paying for your monthly subscriptions?
利用网上十大网投官方入口和手机十大网投官方入口
One of best ways to practice social distancing is to reduce time spent in public (和 at the branch). Use your credit union’s e-service products to stay on top of your finances from the safety of your home. 路易斯安那FCU提供用户友好 在线 和 移动 十大网投官方入口快速访问您的帐户. 说真的，不要不带它就呆在家里.
谨防诈骗
骗子以利用恐惧而臭名昭著. 在冠状病毒爆发期间, fraudsters are doing things such as setting up fake websites, bogus funding collections 和 using fake emails or text messages to try 和 obtain personal data. As with most scams, the best weapons against these traps are awareness 和 education. 这是个好主意 了解流传的骗局 这样你就能在目标出现时认出他们.
相关文章: 骗子正在利用对冠状病毒的恐惧牟利
不要让情绪影响你的投资
Both seasoned investors with robust portfolios 和 those simply worried about their retirement accounts can find it nerve-racking to see their investments drop in value by as much as 10% a day. It may seem like a smart idea to sell out just to spare investments from further loss, 但金融专家却不这么认为. 根据 《十大网投官方入口》， most sectors of the economy will recover quickly as soon as the outbreak clears. 例如, consumers may not be purchasing shoes or cruise tickets now, but they will likely do so when it is safe to shop 和 travel again. While the global 和 national economy may not bounce back for a while, experts are hopeful that individual business sectors will recover quickly.
把退税存进应急基金
Your tax refund may be one of the biggest checks you receive all year. 而不是花掉它, consider putting it into an emergency fund as a fallback during challenging times. Once the chaos dies down, you can always move it, invest it, or keep it in savings.
不要把金钱看得比健康更重要
Financial wellness is important, but physical health should always take priority. 如果你感觉不舒服, 和 especially if you’re exhibiting any of the symptoms of the coronavirus — such as fever, coughing 和 shortness of breath — call in sick to work. Do the same if you’ve been exposed to someone who has tested positive for COVID-19 in the past 14 days. Don’t let financial considerations come before your health 和 the health of those you come into contact with each day.
类似的, 看医生要花一大笔钱, 但是在必要的时候, 应该永远比财务问题更重要吗. A co-pay or insurance deductible is a small price to pay for your health.
Health crisis or not, there’s never a bad time to review your money situation 和 making it stronger. 如果你需要额外的帮助， 请求电话 from one our financial experts for advice, resources, 和 more.
喜欢这篇文章? 订阅 到我们的博客 和 have great financial insights delivered to your inbox weekly.
