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·Å´ó×ÖÌå  ËõС×ÖÌå ·¢²¼ÈÕÆÚ£º2008-06-07
ºËÐÄÌáʾ£ºMake a financial plan ÖÆ¶¨Ò»·ÝÀí²Æ¼Æ»® Unemployment is not the end of the world, and people get through it, says Thomas Bonito, a financial advisor in Livingston, New Jersey. The first thing to do is make a list of your assets. Then list all of your


    Make a financial plan

    ÖÆ¶¨Ò»·ÝÀí²Æ¼Æ»®

    "Unemployment is not the end of the world, and people get through it," says Thomas Bonito, a financial advisor in Livingston, New Jersey. "The first thing to do is make a list of your assets." Then list all of your liabilities, and begin eliminating expenses you can temporarily live without, such as vacations, entertainment and possibly services like gardening and housecleaning. "Creating a stripped-down budget and being disciplined about sticking to it will increase your confidence," Bonito says, "and that's good for job-hunting."

    ÐÂÔóÎ÷ÖÝÀûÎĶٵÄһλÀí²Æ¹ËÎÊThomas Bonito˵£º“ʧҵ²»ÊÇÊÀ½çÄ©ÈÕ£¬ÈËÃÇ»á¶É¹ýÄѹØ¡£”Ëû˵£º“µÚÒ»¼þʾÍÊÇÁгöÄãµÄ²Æ²ú¡£”È»ºóÁгöÄãËùÓеύÏú¡£È»ºó½«ÄÇЩÔÝʱ²»ÐèÒªµÄ¿ªÏú£¬ÀýÈç¶È¼Ù¡¢ÓéÀÖ¡¢Ô°ÒÕ·þÎñ¡¢·¿ÎÝ´òɨ·þÎñÕâЩ¼õÈ¥¡£Bonito˵£º“¸øÔ¤Ëã‘ÊÝÉí’²¢Ê¼ÖÕÑϸñ×ñÕÕÖ´Ðеϰ½«»áÔöÇ¿ÄãµÄÐÅÐÄ£¬Õâ¶ÔÇóÖ°ÊÇÓкô¦µÄ¡£”

    Don't give up childcare right off the bat

    ²»Òª¿ªÊ¼¾Í·ÅÆúÓ×¶ù»¤Àí

    You don't know how long you'll be out of work, which makes the childcare decision a tough one. If you have good childcare in place, the consequences of disrupting it may be greater than the financial gain. Is it worth being unavailable to accept freelance or temporary work? How hard will it be to find good childcare again when you get your next job? Finally, consider the benefit of keeping your child's routine constant during a time of uncertainty.

    Äã²»ÖªµÀ×Ô¼ºÕÒµ½¹¤×÷»¹Òª¶à¾Ã£¬ÕâÈÃÓ×¶ù»¤Àí³ÉΪһ¸öÄÑÌâ¡£Èç¹ûÄãÏÖÔÚÓкܺõÄÓ×¶ù»¤Àí£¬ÖжϵÄÑÏÖØºó¹û¿ÉÄÜÔ¶³¬¹ýÊ¡ÏÂÀ´µÄÇ®ËùÄÜÄâ²¹µÄ¡£·ÅÆú×ÔÓÉ×÷¼Ò¡¢ÁÙʱ¹¤×÷Öµ²»ÖµµÃ£¿Èç¹ûÄãÕÒµ½ÏÂÒ»·Ý¹¤×÷£¬ÔÙÕÒµ½ºÃµÄÓ×¶ù»¤Àí»áÓжàÄÑ£¿×îºó£¬»¹Òª¿¼ÂÇÒ»ÏÂÔÚ²»Îȶ¨µÄʱÆÚ±£Ö¤º¢×ÓµÄÈÕ³£Éú»îËù´øÀ´µÄºÃ´¦¡£

    Sleep in.

    ¶à˯¾õ

    If you don't need to get up at the crack of dawn, turn off the alarm clock. Allow yourself the pleasure of an extra hour in bed followed by a slow cup of coffee and a long read of the paper.

    Èç¹ûÄã²»Ðè񻮮ÏþÆð´²£¬ÄÇô¾Í¹ØµôÄÖÖÓ¡£¸ø×Ô¼º¶àһСʱµÄ˯ÃßÀÖȤ£»ËæºóÂýÂýµØºÈ±­¿§·È¡¢¶Á·Ý±¨Ö½¡£

 

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