"Cinga ngokungafaniyo." Le yinye yee-slogans zokuqala zokukhangisa ze-Apple, kodwa nayo isebenza ngendlela abantu abaphumeleleyo abaphatha ngayo imali yabo. Ukususela ngaphambi koBudala beTyhila, ubuchopho bethu buye banjelwa ukucinga ngokufutshane kunye nokuthotyelwa kwangoku, kwaye ezo zinto zinokuba nzima ukugubha. Kodwa ukuqeqesha ingqondo yakho ukuba ijonge ikusasa, zigqibo malunga nezinto eziphambili, kwaye uhlolisise rhoqo kunye nezimali zakho zingenza izinto zijikeleze.
Sabuza abacebisi bezezimali kwilizwe lonke ukuba ngabaxhamli babo abacebileyo, abaphumelele kakhulu bafana njani-kwaye yintoni thina sonke esinokuyifunda kuzo.
Zibandakanyeke.
Isifundo: "Abanye abaxhasi bajonge ngathi njengokuya kwidokotela wamazinyo-into ekufuneka bayenze, endaweni yokufuna ukwenza," kusho uDavon Barrett, umhlalutyi kuFrancis Financial. Kodwa abaphumelele kakhulu bafika ngexesha, balungiselele imibuzo ngaphambili, baze bafikelele phakathi kweentlanganiso malunga nokuba utshintsho oluncinci okanye olukhulu kwimpilo yabo lunokuchaphazela njani isicwangciso sabo semali . "Bayabathengi asinakho ukugxotha," utsho uBarrett.
Uninzi lwabathengi bakhe abacebileyo kwaye banempumelelo kakhulu banomhlahlo-mali-mali, bangena kwii-akhawunti zabo zezimali rhoqo kwaye bahlaziya iindleko zokuqinisekisa ukuba banamagumbi okwaneleyo kwiindawo ezahlukeneyo. "Kungakhathaliseki ukuba bangakanani, bafuna ukubona apho idoli nganye ihamba khona nokuba yintoni eya kuyo."
Yenza oku: Beka isikhumbuzo sekhalenda yemihla ngemihla ukungena kwiakhawunti zakho uze ubone ukuba yintoni. Bhalisela izilwanyana kwibhanki yakho / i-credit union kunye newebhusayithi yekhadi lesitalato ngezinto ezifana nezilinganiso eziphantsi, ukuthengwa okukhulu ngokungaqhelekanga, ukukhutshwa kwezikhumbuzi zezikhumbuzo, kunye nezilinganisi ze-akhawunti zemihla ngemihla. Yenza usuku lwekota kunye nawe (kunye neqabane lakho okanye iqabane lakho, ukuba unalo) ukujonga umfanekiso wakho wezezimali.
Sebenzisa ixesha lokucinga malunga nokuba imali yakho iya kuphi, kwaye ungathanda ukuthini ukutshintsha kwikamva.
Buza xa ungazi.
Isifundo: "Ukuba ugula ngento ongaziqondiyo, kufuneka ucele ugqirha," utshilo uChris Chen, umcwangcisi wezobutyebi eMassachusetts-Based Insights Financial Strategists. Ingcamango efanayo iyasebenza kwiimali zakho. Yaye ukuba unenkxalabo yokuza njengoko u-newbie wezemali - "Kuye kuchasene," kusho uBarrett. Yena kunye nabanye abacebisi sathetha nabo bathi abathengi babo abanolwazi oluninzi kunye nabafundi bezemali bavame ukubuza imibuzo eninzi.
Yenza oku: Ukuba awuyi kuqonda ixesha lezemali, ukuba yintoni into esebenza ngayo, okanye iinkcukacha zesicwangciso sakho sezemali, unganqikazi ukubuza. Yaye ukuba ayikacaci kuwe, cela kwakhona uze ucaciswe. Yaye ukuba ngaba umcebisi wakho wezezimali (okanye ummeli wezezimali zeemali) ungayinqumli, funani omnye ofuna ukucacisa okokuqala kwaye uthethe ulwimi lwakho.
Sebenzisa izinto eziphambili.
Isifundo: "Awukwazi ukuba nayo yonke into" yindlela yokungafihlisi yokujonga izinto. Ithemba? "Unako oko unokubaluleka kakhulu." Yiloo ndlela abantu abaninzi abaphumeleleyo babheka ngayo imali yabo, kwaye sizathu esikhulu sokuba ubutyebi babo bukhule - kunokuba binciphise ixesha elide.
"Abazange bathenge indlu enkulu okanye eyabiza kakhulu, abazange bathenge imoto enkulu kunazo zonke okanye ezibiza kakhulu, kwaye abazange bathenge iindwendwe ezinkulu okanye ezixabisa kakhulu," kutsho uBill Losey, umongameli eBill Losey Retirement Solutions, LLC. "[Kodwa] ngokuqinisekileyo abayithinteli." UChin uyavuma. Ukhumbula omnye umthengi oye waba ne-$ 50,000 iMercedes, kodwa wayithengisa xa eqonda ukuba wayexabisa ezinye izinto ngaphezu kweemoto. Watshintshela kwi-Toyota Camry eyi-25 000, kwaye wasebenzisa imali eyongezelelweyo ukugxila kwizinto azikhathalele ngakumbi.
Yenza oku: Ukuba uza kuchitha imali encinane kunokuba wenze kwaye ubeka eceleni imali kwixesha elizayo, kubalulekile ukubeka phambili izinto eziphambili. Ngoko yenza uluhlu lwezinto ozixabisa kakhulu - yenza okusemandleni akho ukugcina uluhlu olufutshane! - kwaye uvumeleke igumbi elincinci kulezo ndawo.
Ukuhlawulela, ukunciphisa iinkalo kwiindidi ezingathethi kakhulu kuwe. Ukuba awuqinisekanga ukuba uyakuxabisa ntoni, qalisa ukungena kwemali yakho. Emva kweveki emva kokuthenga nganye, buyela emva kwaye ubhale indlela ozive ngayo ngayo, ubuye uphinda inkqubo emva kokuba inyanga iphelile. Iipateni ziya kuqala ukucaca.
Ithemba lezona zinto zilungileyo, kwaye uzilungiselele.
Isifundo: Ngokomlando nangaphezulu kwexesha elide, iimarike ziye zabuyela malunga neepesenti ezingama-7 ngonyaka kwiityalo-mali. Kwinkampani kaBarrett, ngokuqhelekileyo bathabatha iminyaka engama-5 kunyuka kunyaka. Kodwa uthi abathengi abaphumelele kakhulu bafuna ukubona imeko enzima kakhulu - njengonyaka wokukhula kweepesenti, okanye ukuhlaselwa kweemarike. "Bayazi ukuba izinto ziyakwazi ukujika kwisibini," utsho. Kuyavakala ukwesabisa, kodwa ukwazi zonke iziphumo ezinokwenzeka - kunye nokulungiselela imeko enzima kakhulu enokuthi ungayi kubona-kunokukhokelela kwintetho yenkululeko yemali. "Ucinga ukuba ukugcina le ngxwabangxwaba-kwaye-injengobujamo kunokubangela ukuba uxhalabise, kodwa ezininzi zihlandlo," kusho uBarrett. "Unako ukunika uxolo kwengqondo."
Yenza oku: landela u-Barrett kwaye usebenzise izibalo zokuthatha umhlala-phantsi uthatha i-market market uhlaziya kwaye uthatha iphothifoliyo yakho. Ngaba uya kukwazi ukwenza ukuba isebenze kwizinga lakho lokulondoloza langoku?
Kodwa qwalasela enye into eyoyikisayo-xa. I-biggie: Kuthekani ukuba kukho into eyenzeka kumcebisi oyintloko ekhaya lakho? Ingaba unayo i-inshorensi yempilo eyaneleyo yokuthumela abantwana bakho ekolishi, uqhubeke uhlawula imali, kwaye ufezekise ezinye iinjongo zakho zobomi? Ukuba akunjalo, loo ngqamana yepotfoliyo yakho yokukhusela idinga i-revamp.
Yiba nokuqeqesha ukulandela.
Isifundo: Omnye umgangatho wempumelelo kunye nobutyebi? Ukulungiswa nokulandelelana-kwimisebenzi yabo, ubomi babo, kunye nemali. Xa kuziwa kulowo wokugqibela, ukuqeqeshwa ngokukhethekileyo kudlalwa ngexesha leemali zentengiso. USommari Hearn, olawula i-vice-president kunye nomcwangcisi wezemali oqinisekisiweyo kwi-Atlanta-based based Palisades Hudson Financial Group, uthi: "Emva kokuba bahlakulele isicwangciso, banamathela kwisicwangciso-nangona izinto zingekho kakuhle ixesha elithile."
Umboniso A yi-2008-2009 yeengxaki zemali: Abathengi abaphumeleleyo kakhulu banamathele kwizicwangciso zabo zokuqala kwaye bagcinwa ngokwabiwa kwempahla efanayo. Ngale ndlela, babekwazi ukuthatha inxaxheba kwimali yokubuyiselwa kwemarike kwiminyaka embalwa phantsi komgca. U-Hearn uthi: "Iiphothifoliyo zabo zabuyela kwizinto ezazingaphambili kwaye ziye zagqithisa ezo zinto." "Okwangoku, abo abangenalo luleko ukunamathela kwesi sicwangciso - ngokuqhelekileyo kuninzi, baqhubeka behlala kwicala njengoko bebona ukuthengiswa kwemakethe."
Yenza oku: Yenza isicwangciso sezimali sangempela, okanye ukuba ungaziva ukhululekile, xubusha nomcebisi wezemali. Ukuba awunayo umcebisi, unokukwazi ukusebenza kunye nokuhambelana nesicwangciso sakho sokuthatha umhlalaphantsi (ngamanye amaxesha ufumaneka uncedo lwamahhala) okanye umcebisi-mali kuphela ohlawula imali ngeeyure (GarrettPlanningNetwork.com umthombo omuhle).
Ngoko yenza konke okusemandleni akho ukuba ungayihoyi imali yakho. Oku kunene: Musa ukubeka esweni ukunyuswa kwemihla ngemihla yepototifoliyo yakho, kunokuba ukhangele ngekota, ngeyona nto. Uya kuvuya xa wenza.
Kunye neHayden Field