Ngaba wake wazama "ixesha" kwimarike yemasheya? Ngaba uthenge indlu ngaphambi kokuba ulungele, kuba ubunikazi bendlu buyi-investment? Ngaba ugcina ibhalansi kwikhadi lakho lekredithi ukuze uphucule umlinganiselo wakho wekhredithi?
Leyo yonke imali ihamba ngokuqhelekileyo, kwaye ukuba wenza nawuphi na kubo, usenokuba ucinga ukuba uyilandela ubulumko bentsebenzo yemali kunye nokunyanisekileyo. Kodwa njengobulumko obuqhelekileyo, abahlali bayiziqhelani njengoko bevakalayo.
Nazi ezinye iimali ezingasisigxina ezishukumisela ukuba udibanise kwi-arsenal yakho, kungakhathaliseki ukuba kubonakala kunjani ukuqonda.
Ukuhamba ngesidumbu: Ukungabi nekhadi lesikweletu, kuba kuya kukhokelela ekutyala.
Sekudlulileyo iminyaka eyisibhozo ukususela emva kweRest Recession, kwaye ngaphezu kweyesibini kubathathu abantu abaphakathi kweminyaka eyi-18 neye-29 abanalo amakhadi esikwereti, ngokutsho kwephononongo zeBhanti. "Kubonakala kunengqondo, ngenxa yokuba awukho emngciphekweni wetyala, kodwa ayikho ihlakaniphile, kuba awuyikwakha isikweletu sakho," utshilo uSarah Newcomb, umbhali "Oxhasiweyo: Imali, i-Psychology, kunye nendlela eya kuhamba ngayo ngaphandle kokushiya Iimilinganiselo zakho zihamba phambili. "Uninzi lwezigidi zeminyaka - kunye nabantu abakwizinye izizukulwana abangenawo amakhadi-ngetyala ngamagama abo-banezinto ezibizwa ngokuba" iifayile zetyala ezincinci ". imbali , kwaye inokukugcina xa ufuna ukufaka isicelo semali mboleko okanye imboleko yemoto. Kwakhona kuthetha ukuhlawula ngaphezu kokuyimfuneko kubanikazi bezindlu kunye ne-inshurensi yemoto.
Ukuhamba kweMandla: Ukuba ucinga ukuba unesibopho sokungenakuziphendulela ngaleyo ngxube yeplastiki yokuqala, cela ibhanki ekhuphayo ukugcina umda weekhredithi ungaphantsi. Emva koko, faka enye okanye ezimbini iindleko ze-othomathikhi ekhadini kwaye wenze ishedyuli ngokuzenzekelayo kwi-akhawunti yakho yokukhangela ukuze uyigubungele. Awusoze wakhawuleza, kwaye i-credit yakho iya kuphucula.
Yaye ukuba uphendulwe ngekhadi? Ikhadi elikhuselekile - apho wenza idizithi encinci kunye nebhanki elikhuphayo - likhadi elinamavili okuqeqesha anokukubeka endleleni eya kwimbali enamandla.
Ukuhamba kwesigxina: Ukugcina ibhalansi kwikhadi lekredithi yokwakha i-credit.
Omnye wabanikeli abanomdla kumanqaku akho ekhredithi kukusetyenziswa kwetyala. Ukusetyenziswa kwakho yipesenti yomlinganiselo wakho wekhredithi oyisebenzisayo, kwaye ibalwa malunga neepesenti ezingama-30 zamanqaku akho. Ukuba unomyinge we-$ 1,000 kunye ne-bill yakho ngu-$ 550, usebenzisa ama-55 ekhulwini. Okuphakamileyo kakhulu - kukulungele amanqaku akho ukuba ungasebenzisi ngaphezulu kweepesenti ezingama-30 zomlinganiselo wakho wesikweletu nangaliphi na ixesha. Kwaye ukuphatha ibhalansi ukusuka kwenyanga ukuya kwenyanga kunye nokuhlawula umdla akuncedi amanqaku akho konke, kodwa kwenzakalisa i-wallet yakho: Inqanaba lesantya lekhredithi ye-credit rate li malunga neepesenti ezili-15. Kwi-balance ye $ 3,000, leyo yayiza kubiza i-$ 450 ngonyaka.
Ukuhamba kwe-Smart: Ngokufanelekileyo uya kuhlawula amakhadi akho ekhredithi ngokupheleleyo nyanga zonke, ekukukhawuleza nayiphi na inzala. Yaye ukuba ukusetyenziswa kwakho okuqhelekileyo kunokuthi ungaphaya komda wakho, unokuyilombulula ingxaki ngeendlela ezimbini: Unokucela ukwanda kwinqanaba lakho lemali kwaye ungasebenzisi amandla angaphezulu, okanye unokuhlawulela ibhilikhi yakho ngaphezu kwesinye ngenyanga .
Ukuthunyelwa kwemali-mboleko: Ukubolekisa ngemali mboleko yabafundi ngelixa bekhangela ngeminikelo yomhlala-phantsi
Unemiboleko yemfundo kwaye ufuna ukuyihlawula ngokukhawuleza kunokwenzeka, ngoko nayiphi na imali eyongezelelweyo enayo ekupheleni kwenyanga iya kuhlawula ukuhlawula ngaphezulu nangaphezulu kweendleko zakho zenyanga kunye nokukhupha kwinqununu. Ukuphuthuma kwakho kuyaqondakala; Ngaba ubomi bekungayi kuba ngcono xa behamba nje? Kodwa ukubolekisa ngemali-mboleko yabafundi akusiyo isilumko sokuhamba xa kufike kwiindleko zokulondolozwa kwexesha elide, njengokuba negalelo kwi-401 yakho (k) (ngokukodwa xa ufumana umlinganiso olinganayo nomdaka) okanye ukuhlawula phantsi kwetyala lekhadi lesikweletu, uthi iNewcomb .
Ukuhamba kwe-Smart: Ukuhlawula imali yakho yomfundi ngemali ngokukhawuleza kwaye ngokukhawuleza ngelixa ukwakha ikusasa lakho kwaye usebenzise amathuba okubuyisela imarike. Kungaba ngcono nokuba ukhethe izicwangciso zokuhlawulwa kweentlawulo-mali ezisekelwe kwiingeniso (eziphantsi kweentlawulo zakho zenyanga), nangona ukuhlawula umdla kwiminyaka emininzi kuthetha ukuhlawula umyinge ongaphezulu.
Khangela iindleko zomboleko wakho wemali mboleko, uthathe isaphulelo sentlawulo, uze uqhathanise ukuba ubuya kubuya ngokubeka imali yakho ukusebenza kwezinye iindlela.
Ukunyakaza: Ukufumana umsebenzi kuqala, kwaye ukuphakamisa kamva.
Ngaba uxoxisana nomvuzo wakho womsebenzi wakho wangoku? Ukuba akunjalo, awuyedwa. Amaphesenti angama-41 abantu ayenzanga, ngokwemivuzo ye-Salary.com. Abaninzi banoyiko lokuba ukuxubha malunga nomvuzo wokuqala kuya kubakhupha ekusebenzeni ngokupheleleyo. Kodwa ukungaxoxiswanisi kumvuzo wokukhuphisana ekuqaleni komsebenzi omtsha uqala ngokusuka kwimali engafanelekanga, kuba zonke iibhonasi kwaye ziphakamisa ukuba ziqhubele phambili ziya kuba yipesenti esekelwe kuloo mfanekiso wokuqala.
Ukuhamba kwe-Smart: Musa ukuthatha isibonelelo sokuqala. Unomdla kakhulu xa befuna wena, kodwa awunayo - kwaye kubalulekile ukuqaphela nokusebenzisa loo mzuzu. "Abantu bacinga ukuba kufuneka ucele into eyamkelekileyo, kodwa kufuneka uzibuze:" Yintoni endiyidingayo ukuze ndifumane ukuze ndingakhathazeki ngemali? Yiloo nto ixesha elifanelekileyo, "kutsho iNewcomb. Qaphela kwakhona ukuba ulindele ukusuka kwelinye icala letafile kukuba uya kucela ngaphezulu. Uphando oluvela kwi-CareerBuilder lubonisa iipesenti ezingama-45 zabaqeshi zikulungele ukuxoxisana nomsebenzi wakho wokuqala, kwaye ngokwenene ulindele ukuba wenze njalo. Uvumela nje ukuba uhlale phantsi xa ungekho.
Ukunyakaza: Ukuthenga ikhaya kuba "utsalo-mali."
Umcebisi wezezimali uCarl Richards, umbhali we "Gap Beveability", ukhumbula amaxesha abantu bathi kuye emakhayeni abo: "Yiyona nto ingenayo imali ebalulekileyo endiyenzayo!" Ukuphendula kwakhe: bebambelele? '"Unayo iphuzu. Kwakukho inkolelo eninzi ende yokuba ixabiso lepropati alizange lihle ... Kwafika ke u-2008 kunye ne-market crash. Enyanisweni, ixabiso lekhaya lihamba phambili ngokuhambelana nokunyuka kwamaxabiso. Kwaye iindleko zobunini - kungabikho ukukhankanya ukuhamba, ukubonelela, irhafu, i-inshurensi kunye nokugcinwa okuqhubekayo kwi-1 ukuya kwi-2 ekhulwini yexabiso lekhaya ngonyaka, ngokwe-Centre Joint Centre yoHlolo lweZindlu - ephakamileyo.
Intuthuko e-Smart: Thenga enye ofuna ukuhlala kuyo okanye uqhubeke uhlawula ngoku. Uluhlu lohlamba lweendleko lithetha ukuba akunangqondo ukuthenga enye xa ungalindelanga ukuhlala ubuncinane iminyaka emihlanu.
Ukuba uhlala ixesha elide, ubulungisa owakhayo ngokuhlawula phantsi (okanye ukucima) imali yakho yokubambisa iya kuba yindleko yokugcina imali ongayisebenzisa xa ufuna umhlalaphantsi. Kodwa akufanele unwebe ukuthenga indlu ongeke uyithengise ngokwenene nje ngenxa yokuba ucinga ukuba ixabiso lepropati lifanelekile. Ukuba wenza, awuthengi okanye utyalomali - ucingisisa. Kwaye ngaphandle kokuba ungumtyalo-mali wezentengiselwano, uyisimo esibi.
Ukuhamba ngesidumbu: Ukuzama ukuchitha ixesha kwimarike.
Ixesha leemarike lihla ukuba ukwazi izinto ezimbini: Xa uphuma, kwaye nini ukubuyela kwakhona. Okokuqala kunzima ukukhonkwane, kwaye okwesibini kunzima. Ngethuba sonke sivale amabali abafakeli-mali abaqhelekileyo abangena ngexesha elifanelekileyo, uRichards uyathemba. "Ningakholwa ngamabali," utsho. "Kholwa idatha." Yaye idatha ithi awukwazi ukuphumelela kulo mdlalo.
I-Smart Fix: Thenga ngokukhawuleza, kwaye iminyaka. U-Richards uthi ukukrazula iphepha kwi -playbook yeWarren Buffett : "Into enokuyenza yinto enobucebisayo - kwaye kufuneka sigubhele loo nto." Nangona ulapho, ungazami nzima ukubetha ivenkile. Nangona iifowuni kunye neemali eziphathekayo ezilawulwayo, zihlala zityalomali kwiingxowa-mali kunye neengxowa-mali ezithengiswayo (ezithengwa kwaye zithengise) ezenza ukuba ube ngumninimzi-mveliso ngaphezu kwexesha elide. Ukuba uvila ngokwaneleyo, oko kunjalo.
Kunye noKelly Hultgren