Sekunjalo, xa unomsebenzi wakho ukucebisa abantu ngemihla nangokuphuma kwemali ekulawuleni imali , kuyinto engokwemvelo ukuba uhlakulele ifilosofi ukuba usebenzise kwiimali zakho.
Sicele abanye abacebisi bezezimali abaphezulu belizwe ukuba babuyisele imichibi yemali yabo-kwaye sineziphakamiso zokusebenzisa loo migaqo yobugcisa kwimpilo yakho.
Gcina umkhondo ohambelanayo wokuchitha kwakho
Yidla imifuno yakho, usebenzise umzimba, yenza uhlahlo-mali-sizathu sokuba sive le ngcebiso ngokugqithiseleyo (nangaphezulu). Njengoko udla ngokufanelekileyo kwaye uhamba esithambini kwaye uhamba, uhlahlo lwabiwo-mali kufuneka wenze ngenxa yokuba awukwazi ukufumanisa apho ufuna ukutshintshwa kwimikhwa yakho yokuchitha imali ukuba awukwazi ukuba yintoni na loo migaqo yokuchitha. "Xa kuziwa kuhlahlo lwabiwo-mali, enye into endiyayishumayelayo yinto ehambelanayo-ukukhetha indlela esebenza kuyo kwaye inamathela kuyo," kusho uDavid Barrett, umhlalutyi wezezimali kuFrancis Financial. Ulawulo lwakhe lomntu lubandakanya ukulandelela ngokuchanekileyo kokuchitha imali , okumenza amvumele ukuba aphewule aze abone ukuhamba kwexesha. Usebenzisa i-website / i-app ye-Capital Capital ukubeka iindleko zakhe kwiqela, uze ubathumele kwi-Excel ekupheleni kwenyanga nganye ukuze akwazi ukudlala ngokuzongeza izinto kwiindidi ezahlukeneyo.
UBarrett uchaza ukuba waqala ukubona izinto ngokucacileyo xa wayitshintsha indlela abeka ngayo iindleko. Waqala ukubhala iindleko zokutya ngokuthi "ukutya," waza waqonda ukuba "ukutya / isidlo sasemini" kwaye "ukutya / ukutya" kwasebenza kangcono kuye. Wayeyazi isidlo sasemini yayiza kuba yindleko ecacileyo kuye kuba engabonakali-bhonkqo, kodwa ekhangela ukutya, wabona ukupheka ngaphezulu kunokunciphisa iindleko kwezinye iimeko.
"Ukuba kwakuyiPototle okanye i-Shack Shake, ndiyindoda," esho.
Indlela yokwenza ngayo: iindlela ezahlukeneyo zohlahlo lwabiwo-mali zokusebenza abantu abahlukeneyo-zikhona iinkqubo ezinjengeMint, i-Clarity Money kunye neCandelo loPhuhliso lwaBantu (konke okukhululekile), kunye neenkonzo ezifana ne-MoneyMinder (i-$ 9 ngenyanga okanye i-$ 97 ngonyaka) kwaye ufuna iBhajethi ( I $ 50 ngonyaka emva kwesilingo samahhala seminyaka engu-34). Naluphi na ukhethayo, phawula ikhalenda yakho ubuncinane ngosuku olunye ngenyanga-umzekelo, iMgqibelo yesibili-kwaye unikezele ixesha elithile ukuba ukhangele ngeendleko zakho nokucwangcisa kwinyanga ezayo. Ukuba uxakekile, yazi ukuba emva kokuba ufumane ukuxhoma kwezinto, imizuzu eyi-15 iya kuba yanele ukujongana neendleko zenyanga leyo, utsho uBarrett.
Gcina u neleyo (kodwa kungabi kakhulu) kwi-akhawunti yakho yokugcina
Ngoxa kubakho ukugcina imali yokubaluleka kubalulekile, ukuba kuninzi kakhulu kunokukulimaza ekugqibeleni. Ucwaningo lwe-NerdWallet lufumene iipesenti ezingama-63 zeemillennials zathi zigcina ubuncinci bokugcina umhlala-phantsi kwi-akhawunti yokulondoloza. Umbandela: Iindleko zemivuzo yokugcinwa kwe-akhawunti rhoqo zihamba malunga neepesenti ezingama-0.01, kwaye i-akhawunti ephezulu inzala ivelisa malunga neepesenti ezi-1. Zombini ziphantsi kakhulu kunexabiso lokunyuka kwamaxabiso, oku kuthetha ukuba ulahlekelwa yimali kwixesha elide.
Ngaba abacebisi bafumana njani ukulinganisela phakathi kokugcina ngokwaneleyo ukuba bazive bekhuselekile, kodwa kungekhona kangako ukuba idonsa kwikamva lakho?
"Xa ndiqala kuqala [ngocwangciso lwemali], ndandingenanto nto ndasindiswa," kusho uBarrett. "Andizange ndibe nesigqibo esifanayo kwimali yam siqu ... andizange ndiyiqonde imigaqo yesithupha." Kodwa xa edala isicwangciso sakhe semali sokuqala kumthengi, wayesazi ukuba akayi kucebisa into engayenzanga ngokwakhe. Ngokujonga iindleko zakhe zenyanga kunye nokuqwalasela ukuzinza kwakhe emsebenzini, uBarrett waphetha ukuba iinyanga ezintathu zanele ngokwabo kwingxowa-mali yakhe, nangona kwakhiwe kungekudala. Wenza oko kwiminyaka emibini engaphezu kweminyaka emibili ngokubeka ii-dollar ezimbalwa ngaphandle kwenyanga nganye. "Ndazibeka phambili ngolu hlobo lokutyalomali lwentlawulo," watsho. "Kodwa ndisaqhubeka ndibeka inxalenye yomvuzo wam 401 (k) iminikelo."
Indlela yokwenza ngayo: Ukuba unenkathazo yokugcina, iinkonzo zinokukunceda. I-Digit (ebiza i-$ 2.99 ngeenyanga) ihlalutya iipatheni zakho zokuchitha, ngoko u-socks uhlawule imali kude ube ne-encushion. I-Qapital ikuvumela ukuba ubeke iinjongo ezithile zokugcina ukongxamiseko (phakathi kwezinye izinto) uze uqhagamshelane neakhawunti zakho ukuze xa uthe, uchithe i-$ 5 kwikhofi, uhambisa inani olikhethayo ekulondolozweni ngexesha elifanayo. Unokubeka kwakhona iziphumo zokulondolozwa ngokuzenzekelayo xa uhlawulwa, iintsuku ezithile zeveki okanye ezinye izinto ezininzi. Njengoko uBarrett wenza, uya kufuna ukuxhaswa nge-akhawunti kunye needola ezilinganayo-njengama-401 (k) -ngeniso kwaye ngokuzenzekelayo, ukuze ungaphuthelwa kwiyo mali.
Invest Investment: Hope for the Best, Prepare for the Worst
"Emva kokuba wenze le minyaka emithathu kunye namashumi eminyaka, ndinokukuxelela iipazamo ... xa iimeko zifika endleleni, kwaye abantu bayeke ukuhlala betyala [kwimarike]," kusho uJeff Erdmann, umlawuli olawulayo eMerrill Lynch. Uthe wongezelela ukuba unika isahlulo sesithathu seentengiselwano zeentengiso zentsapho kunye nokutyalwa kweengxowa-mali kunye neengxelo zemali. Uthi: "Andiboni ukuba utshintsho kwikamva elibonakalayo," utsho.
Yena kunye nentsapho yakhe bajolise kwiindleko zenye iminyaka okanye ezimbini kwiinkxwaleko zexakeka ngokukhawuleza ukuqinisekisa ukuba, xa kwenzeka i-dropfolio ephawulekayo, bangasebenzisa imali egciniweyo yokuxhasa indlela yokuphila endaweni yokuthengisa impahla.
Indlela yokwenza ngayo: Ingcaciso engakumbi malunga nokuba yintoni enokuthi ikhwephe indlela yakho ingakunceda uhlale ungqiqo. "Ukuba singena kwinkqubo yokuqonda nokwazi ukungazinzi, kuya kuba yindawo engcono kakhulu ukuba singavumeli ukuba iimvakalelo zethu zithathe," utshilo u-Erdmann. Thatha ixesha lokucinga malunga nexesha lohlahlo kunye nokutyalomali lwakho. Qinisekisa ukuba unayo ngokwaneleyo kwiimpahla ezikhoyo ukuze ungabathengi kwi-thengeni ephantsi ukuxhasa iinjongo zexeshana ezifutshane njengenkokhelo yokufundiswa kwikholeji yonyaka ozayo. Ngokubhekiselele kwimpahla ongeyilungiselelo lokusebenzisa iminyaka emihlanu okanye ngaphezulu, ukulinganisela kanye okanye kabini ngonyaka. Nciphise inani leexesha ohlolisayo kwiphothifoliyo yakho, ingakumbi ukuba ezinye iindaba ezimbi zithatha ukukwenza ukuba wenze isigqibo.
Hlalani Ku-I-Track kunye Nezixhobo Zokuzenzekelayo
Nangona ipros automates ukulondoloza nokutshala imali ukuze bahlale bejoliswe kuyo. ULilala Pence, umongameli wePence Wealth Management ku-Newport Beach, eCalifornia uthi uthathe amanyathelo amabini asemqoka xa eselula: Wenza ngokuzenzekelayo ukugcina umhlala-phantsi (usetyenziso lwesicwangciso somhlaba asebenza kuyo), kwaye wamisa igalelo elizenzekelayo le-10% ukuba athathe ikhaya lakhe kwelinye iakhawunti ngeenjongo ezifutshane. Oku kuye kwamnceda ukuba agcine imali yakhe yokukhangela. Ngoba? Kungenxa yokuba xa imali ishukunyiswa, akazange ayibone. Kwaye kwamnceda ukuba agcine izandla zakhe. "Nokuba ngoku, ndiyakwenza oko kum impahla yam," utsho.
UBarrett uyavuma, ekuqapheliseni ukuba xa ubona i-paycheck emva kokuba loo mnikelo ikhutshwe, "Uya kutshintsha indlela ozenza ngayo.
Indlela yokwenza ngayo: Kufuneka ujonge ukuyeka i-15 ekhulwini yemali yakho kwiinjongo zakho zexesha elide kunye nezinye iipesenti ezi-5 kwixesha elifutshane. Ukuba ubhalise kwisicwangciso somhlala-phantsi emsebenzini, khangela kwaye ubone indlela ekufutshane ngayo iminikelo yakho (kunye needola ezifanayo) ezikufumana kule miqondiso. Ukuba akunjalo, yenza okufanayo neRoth IRA, i-IRA yendabuko, i-SEP okanye esinye isicwangciso ozibekele sona. (Awunayo enye? Ukuvula enye yinto nje yokugcwalisa ifom okanye ezimbini, ke uxhawule ngokutshintshela ngokuzenzekelayo ukujonga.) Ngokumalunga neepesenti ezingama-5? Yimali oya kufuna ukuyiphuma ekuhloleni nasekugcineni, ngoko kuya kuba khona xa uyayidinga.
Kunye neHayden Field