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cover of episode Regret Less, Save More: How to Make Smarter Money Moves in 2025

Regret Less, Save More: How to Make Smarter Money Moves in 2025

2025/1/2
logo of podcast NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast

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Elizabeth Renter
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Sara Rathner
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Sean Pyles
作为 NerdWallet 的《Smart Money》播客主播,Sean Pyles 提供了深入的财务和保险知识,帮助听众做出明智的财务决策。
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Sean Pyles: 新年伊始,我们应该回顾过去一年在财务方面做得不够好的地方,并从中吸取教训,改进储蓄习惯,为2025年设定更实际的财务目标。 我个人在2025年有很多计划,包括卖房、开设理财公司、结婚和旅行,这些都需要周密的财务规划。 我们会讨论如何避免重复犯同样的财务错误,并学习如何更好地管理我们的储蓄和支出习惯。我们会与NerdWallet首席经济学家Elizabeth Renter讨论如何设定可实现的理财目标,以及如何克服常见的财务错误。 Sara Rathner: 新年快乐!我也有一些财务目标,包括完成地下室装修和一些旅行计划。 通过回顾2024年的财务状况,我们可以更好地规划2025年。NerdWallet的调查显示,许多美国人后悔没有储蓄足够的应急资金和目标资金。 我们会讨论如何设定预算,控制娱乐和餐饮支出,养成良好的信用习惯,并利用NerdWallet的储蓄计算器来帮助我们实现财务目标。 Elizabeth Renter: 新年快乐!2024年我完成了一些重要的财务目标,例如还清硕士贷款和卖房,但也有一些需要改进的地方。 NerdWallet的调查显示,69%的美国人在2024年有财务方面的遗憾,其中包括储蓄不足和过度消费。Z世代的财务遗憾比例最高,这可能与他们正处于财务独立初期有关。 为了避免类似的遗憾,我们可以设定预算限制,控制消费次数,保持一致的还款习惯,并保持较低的信用利用率。此外,我们可以利用自动转账功能来提高储蓄效率,并通过减少不必要的开支来增加储蓄。 在设定财务目标时,我们应该采用更灵活的方式,并给自己一些宽容,不必过于纠结于新年决心。重要的是持续努力,并从每一次的经验中学习。

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Shownotes Transcript

Learn how to tackle financial regrets, set achievable money goals, and make 2025 your best year financially.

How can you avoid repeating your biggest financial regrets this year? What are simple steps to improve your savings and spending habits? Hosts Sean Pyles and Sara Rathner discuss financial regrets and practical resolutions to help you take control of your money in 2025, beginning with a discussion of top financial regrets from 2024. Then, Sara talks to NerdWallet Senior Economist Elizabeth Renter about strategies for creating achievable money goals and overcoming common financial missteps. They share tips for mindful spending, setting boundaries for entertainment and dining budgets, and building habits that improve your credit score.

Use NerdWallet’s free savings calculator to understand how your money can grow over time: https://www.nerdwallet.com/calculator/savings-calculator

In their conversation, the Nerds discuss: financial regrets, how to avoid financial regrets, money goals for 2025, saving tips, budgeting tips, how to budget better, spending habits, improving credit score, automating savings, financial goals, dining out budget, entertainment budget, setting financial boundaries, avoiding overspending, saving for emergencies, saving for financial goals, improving credit utilization, tracking expenses, mindful spending, managing credit cards, financial planning, New Year’s money resolutions, saving on groceries, setting savings goals, avoiding debt, credit score improvement tips, staying out of debt, financial resolutions, credit card tips, spending wisely, financial health, financial planning tips, creating a budget, setting money goals, saving money consistently, and staying financially healthy.

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]).

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