3. Migrate to a debit card or to plastic that must be paid each month.

改用每个月必须还款的借记卡或其他银行卡。

Cutting up credit cards makes a lot of sense and eliminating all credit-card debt makes even more sense. The interest rates associated with credit-card debt can easily overwhelm the returns you can get elsewhere.

剪碎信用卡很有道理，消除全部信用卡债务就更有道理了。信用卡利率能轻易地抹消你在其他地方获得的收益回报。

But the world is moving away from cash at a rapid clip. The notion of having no plastic is barely feasible. Try buying a plane ticket with cash and see what that sparks in the government computers.


不过，现在世界正在迅速摆脱使用现金的年代。不用信用卡的想法几乎是行不通的。试试用现金买机票，看看这会在政府的电脑里引起什么样的反应。

So what kind of card to have? A debit card acts just like cash, which makes it the best option. You can spend only what you have.

那么应该拥有什么样的卡呢？借记卡的功能就像现金一样，因此是最佳之选。用借记卡，你就只能量入为出。

Second be stare charge cards that require payment in full each month. Ever since I paid off my last credit-card debt in 1996, I have only used a charge card or a debit card. It gets tough, especially around big events such as Christmas. But it's nice to not have a tempting and expensive option in the wallet.

第二个最佳选择是每个月需要全额还款的签帐卡。从1996年我把最后一笔信用卡帐单付清之后，就只用签帐卡或借记卡了。虽然不容易，特别是在圣诞节这样的大日子前后。不过钱包里没有诱人而用价不菲的信用卡，也不错。

4. Rebalance your investments. 平衡投资

Last year,r ebalancing meant adding to stock exposure after a year of steep stock losses. That notion felt mildly crazy at the time, but it proved wise.

在去年，平衡投资就意味着在一年的股市投资巨亏之后增加股市敞口。当时这种想法感觉有些疯狂，不过事实证明是明智之举。

That's because stocks rallied from the March lows and put in a remarkably strong year. Now, most of us are probably too heavy on the stock side of the equation. Moving some of the money into bonds or even cash to regain balance would be prudent.

这是因为股市从3月份低点大幅上涨，一年的涨势都非常强劲。如今，我们大部分人的投资或许都过于偏重股票。把投资股市的一部分钱用于债券甚至是持有现金，以恢复投资平衡，这会是一种谨慎的做法。

5. Plan to reward yourself. 奖励自己

New Year's resolutions usually don't stick and a big reason is that it's all like eating sawdust. Go on a diet, save money, don't spend. Wes tart the year like ascetic monks and by February we discover that the monastic life isn't for us.

新年决心常常无法坚持下去，一个主要原因是这个过程不太好受。节食、攒钱、不花钱。我们以苦行僧的姿态开始了新的一年，而到了2月份，却发现这种生活并不适合我们。

Therefore, it's important to have one resolution that is fun. A little sugar with the vinegar.

因此，制定一个有趣的新年决心很重要。要学会苦中作乐。

If we keep the first four resolutions, we'll reward ourselves for getting the newd ecade off to a good financial start.

如果我们坚持前四个决心，就可以为给未来10年打下一个良好的财务开端奖励自己了。