Landela la macebiso eNgqiqo-mali aqinisekisiweyo ukukhusela umhlala wakho
Ukufumana unyawo oluqinileyo lwemali kufuna ukuba ugxininise kwizinto ezibaluleke kakhulu zemali yakho: ukusindisa nokutyalomali. Kodwa ke, oko kulula ukuthetha kunokukwenza. Yiyiphi imisebenzi ephambili omele ujolise kuyo xa uphucula umgangatho wezimali zakho? Cinga le mithetho-11 yokwakha ubutyebi:
Hlalani kuNgcono kweenyanga ezintathu zeeNdleko eziphilayo kwiAkhawunti yokuTondoloza
Le yinto nje yokuqala. Ukuba usebenza ngokuzenzekelayo, sebenzisa ukuthunyelwa komsebenzi, okanye usebenze kwishishini elingaqinisekiyo okanye isikhundla, kabini okanye mhlawumbi kathathu.
Abaninzi abacwangcisi bemali bakholelwa ukuba yinto efanelekileyo yokuba neenyanga ezi-6 ukuya kwezi-9 zeendleko zakho eziqhelekileyo ziye zaphela.
Yandisa Iindleko Zakho Zokuphila Ngama-25
Yiloo nto ufuna ukuyiyeka . Ukuchitha i-$ 40,000 ngonyaka ngomhlalaphantsi, kufuneka ube ne-$ 1 yezigidi ezigcinwe. Eyona nto iqalisa ukuphambuka!
Gcina i-Minimum 10 yeepesenti yoMvuzo wakho
Qala njengomncinci njengoko kunokwenzeka, xa amandla okubuyisela ukubuyisela kukukhulu. Indlela elula kukuba ukhethe ukurhoxisa ngokuzenzekelayo kwi-401 (k) ukuba umqeshi wakho unika omnye. Ngokuqulunqa inzala (imali imali yakho iyenayo), uza kufumana i-$ 1 yezigidi zemali. Kungathatha amashumi eminyaka, kodwa ikusasa lakho liya kukubulela.
Thatha inzuzo ye- Match 401k Yenkampani yakho
Okanye awuyikuqokelela yonke imbuyekezo yakho enzima. Lo mdlalo ukhululekile ngemali. Ukuba awuyisebenzisi, uyishiya loo nto etafileni.
Vula i- Akhawunti Yokugcina Ikholeji Kubantwana Bakho
Akukafaneli kusasa, nangona umntwana wakho esele e-diapers.
Ngenxa yeendleko zekholejini ukunyuka ngokukhawuleza, uya kuba nombulelo oqale ekuqaleni.
Yenza umrhumo ophezulu kwiRoth IRA yakho
Ngelixa ungafanele uthintane neemali kule akhawunti uze uneminyaka engama-59 nesiqingatha ubudala, uza kuphepha iirhafu ezizayo kwiminikelo yakho, kubandakanywa irhafu yentlawulo . Kukhethiweyo olufanelekileyo kwisithuthi somhlala-mali.
Ungadlulanga ngaphezu kwama-28 ukuya kuma-33 Ipesenti yeNgeniso yakho ekhayeni lakho
Oku kufuneka kufake zonke iindleko ezihambelana nekhaya, njenge-inshorensi, iintlawulo zepropati , ukuthatha indawo eluphahleni, ukucoca imithi, ukutshiza umtshini, kunye ne-steam-kucoca iipatethi. Ukuba awuzange ube nekhaya ngaphambili, mhlawumbi ungaphantsi kobuninzi bokulondolozwa kwekhaya kuya kubiza . Gxuma kwizinto ofuna ukuzilindela ukuze uhlahlole ngokufanelekileyo uhlahlo lwabiwo-mali.
Ukuhlaziya ikhaya lakho .
Yenza oku kuphela ukuba unokususa ubuncinane iipesenti ezi-1 kwizinga lakho lokuthenga imali. Ngaphandle koko, iindleko zokuvala ziyakwenza ukuba le ndlela ingasebenzi.
Inani leNombolo eyi-120 yeBanga lakho lilingana ...
Ipesenti yepotfoliyo yakho omele uyibeke kwiimpahla zamasitokethi , ngokutsho kwesi sigqibo sesithandwayo . Gcina zonke iiphothifoliyo zakho kwizibophelelo . (Ukuba unamandla okanye unobungozi kwintliziyo yakho, gcina iminyaka yobudala bakho emabhonkwaneni, kunye nabanye abasemasitokisini. Ngoko ke ukuba uneminyaka engama-30, gcina iipesenti ezingama-30 kwizibophelelo.
Gwema nayiphi na imali-mali ongayiqondi
Ngezizathu ezicacileyo, akufanele utyalomise kuyo nayiphi na into ongekho ipesenti eziyi-100. Ukuba umntu usebenzisa amagama amnandi kwaye enze izithembiso ezinkulu, qaphela. Kungcono ukunamathela kwizinto ezizame-kunye-zinyaniso, ukuzityeba-iindlela zokuhamba ngokukhawuleza kunokugqwesa ikusasa lakho kwinto ongeyena oqhelekileyo.
Gwema iifom eziphezulu
Umrhumo ophezulu omele uhlawule ngowama-1 ekhulwini kodwa ujolise imali ephantsi kakhulu yemali ongayifumana. I-Vanguard, i-Fidelity, no-Schwab, phakathi kwabanye, bayaziwa ngemali yabo ephantsi- mali kunye ne-ETF. Kulapho unayo. Imithetho elishumi elinesibini eyomeleleyo yokwakha ubutyebi ukwenza ikusasa lemali elizinzile. Landela oku, kwaye uya kuba yindlela efanelekileyo nemali yakho ngaphandle kwexesha.