Iinyaniso ezinokukunceda ekuMandleni eNkululeko yeMali
Nangona amawaka amaphepha endibhalileyo kulo nyaka anikezelwe ukukunceda ukuba ufunde ukuceba njani, ndandifuna ukugxila kwimiba yefilosofi yomsebenzi ngokwabelana nawe ngeenyaniso ezintlanu ezinokukunceda uqonde ngakumbi uhlobo locelomngeni ujamelana nayo njengoko ubeka kumsebenzi wokuqokelela imali eyinkunzi.
1. Shintsha indlela ocinga ngayo ngemali
Uluntu jikelele luluthando / ukuzondana nobutyebi. Abanye bayabathukuthela abo abanemali ngelixa baxhomekeke. Nangona kunjalo, engekhoyo kwezinye izinto ezikhethekileyo, kwiindawo eziphucukileyo kunye nantlontle, isizathu sokuba uninzi lwabantu aluze luqokelele inambuzane enkulu yenyama kukuba abayiqondi uhlobo lwemali okanye ukuba lusebenza njani. Oku, ngokwenxalenye, esinye sezizathu zokuba abantwana kunye nabazukulu bezityebi banokuthiwa "iglasi" phantsi kwazo. Banobungcali kunye nolunxibelelwano oluvumela ukuba benze izigqibo ezingaphezulu kwexesha elide ngaphandle kokuyiqonda.
Umzekelo othakazelisayo uvela kwintsimi yezoqoqosho zendlela yokuziphatha kwaye ibandakanya iziqu zokuqala ezizukulwaneni zekholeji ziqokelela amanqanaba aphantsi axabiso elilinganayo kuwo wonke ama dollar kwimvuzo engenayo ngenxa yokungakwazi malunga neengcamango ezisisiseko ezifana nendlela yokusebenzisa ama-401 (k) afanayo.
Inqununu enkulu apha yile nkunzi, njengomntu, into ephilayo.
Xa uvuka ekuseni kwaye uya emsebenzini, uthengisa umkhiqizo (okanye ngokukodwa, umsebenzi wakho). Xa uqaphela ukuba yonke intsasa iimpahla zakho zivuka kwaye zinokukwazi ukwenza okufanayo, uvula isitshixo esinamandla ebomini bakho. Idola nganye oyilondolozayo ifana nomqeshwa. Ngethuba lexesha, injongo kukuba abasebenzi bakho basebenze nzima, kwaye ekugqibeleni, baya kwenza imali eyaneleyo yokuqesha abasebenzi abaninzi (imali). Xa usuphumelele ngokwenene, awusayi kuphinda uthengise umsebenzi wakho, kodwa unokuphila ngaphandle kwezabasebenzi zakho. Ubomi bam, umsebenzi wam oye wakhelwe ekuphumeni ebhedeni ekuseni kwaye uzama ukwakha okanye ukufumana iimpahla ezivelisa imali eziza kuvelisa imali eninzi kwaye ndiyibuyisele kwezinye iimali.
2. Ukuphuhlisa ukuQondwa koMbane weeMali ezincinci
Impazamo enkulu kakhulu abantu abayenzayo xa bezama ukufumanisa indlela yokufumana ubutyebi kukuba bacinga ukuba baqale ngempi yonke ye-Napoleon-efana nayo. Bakhathazeka ngenxa yengqondo "enganeleyo"; oko kukuthi ukuba bengenzi imali eyi-1 000 okanye i-$ 5,000 ngexesha-mali, abayi kuze babe zizityebi. Yintoni aba bantu abangayiqondiyo kukuba imikhosi yonke yakhelwa elinye ijoni ngexesha; Kwakhona kunjalo ne-arsenal yabo yemali.
Ilungu lentsapho yam ilungu lakwazi ukuba ngumfazi owayesebenza njenge-dishwasher waza wamenza iipokota kwiibhotile zokuhlambulula. Eli bhinqa lityalwe kwaye lugcina yonke into ayinayo nangona ingazange ibe ngaphezu kweedola ezimbalwa ngexesha. Ngoku, iphothifoliyo yakhe ixabisa izigidi kwizigidi zeedola, zonke ezo zakhiwe kwiimali-mali ezincinci. Andiyikusikisela ukuba ube yinto engafanelekiyo, kodwa isifundo sisabalulekile. Esi sifundo: Musa ukudelela usuku lwezinto ezincinane!
3. NgeDola nganye Uyigcina, UyaziThengela iNkululeko
Xa uyifaka kule migaqo, uyabona ukuba uchitha imali engama-20 apha kunye ne-40 $ kunokukwenza umda omkhulu ngexesha elide. Ngenxa yokuba imali inekhono lokusebenza kwindawo yakho, ininzi leyo uyisebenzisayo, ngokukhawuleza nangaphezulu kunethuba lokukhula. Kanye kunye nemali eninzi ivela inkululeko enkulu - inkululeko yokuhlala ekhaya kunye nezingane zakho, inkululeko yokuthatha umhlalaphantsi nokuhamba ngeenxa zonke emhlabeni, okanye inkululeko yokuyeka umsebenzi wakho.
Ukuba unayo nayiphi na imvelaphi yengeniso, kuya kwenzeka ukuba uqale ukwakhiwa kwengcebo namhlanje. Ingaba yi-$ 5 okanye i-$ 10 ngexesha elinye, kodwa elowo kwezo zityalo-mali lilitye kwisiseko senkululeko yakho yemali.
4. Unembopheleleko apho uhlala khona ebomini bakho
Kwiminyaka edlulileyo, umhlobo undixelele ukuba akafuni ukutshala imali kwimigodi ngenxa yokuba "akafuni ukulinda iminyaka elishumi ukuba atyebi ..." unokuthanda ukunyamekela imali yakhe ngoku. Ububu budlelane nale ndlela yokucinga kukuba iimeko ezinokuthi, uya kuphila kwiminyaka elishumi. Umbuzo wukuthi uya kuba ngcono xa ungena apho. Xa ulungele ngoku ngoku sisisonke sezigqibo ozenzayo ngaphambili. Kutheni ungayifaki isigaba ebomini bakho kubomi ngoku?
Lawa awanamagama angenanto ayilungileyo okanye amacebiso. Ndiza kuphinda ndiphinde kwakhona: apho ulungele ngoku ixabiso elipheleleyo lezigqibo ozenzayo ngaphambili. Ubomi bakho bubonakalisa indlela ochitha ixesha lakho nemali yakho. Ezi zinto zimbini ziyimpembelelo yakho.
5. Cinga ukuba ngumnikazi wezinto oziqondayo njengeyokuQala kwiSakhiwo soKwakha
Omnye wabantu abakhulu beengqondo kunye neemvakalelo zengqondo zibonakala zikhona xa zingabonakaliswa bubutyebi okanye iindwendwe ezibutyebi zenza uxhulumaniso phakathi kwezinto ezivelisayo kunye nempilo yabo yemihla. Abayiqondi, kwinqanaba le-visceral, ukuba ngaba baneengxenye zeenkampani ezinjengeDiageo, rhoqo xa umntu ethatha isiselo sikaYohnnie Walker okanye uCaptain Morgan, inxalenye yaloo mali ibuyisela kwi-coffers ukusabalalisa ngokugqithiseleyo kubo ngendlela yesahlulo. Abayiqondi ngokwenene ukuba xa bemi ngaphandle kwamasango e-Disneyland kwaye babukele abantu bahamba epakini, ukuba beba yi-The Walt Disney Inkampani, bayonwabela isabelo sabo naliphi na inzuzo evela kwiindwendwe.
Amadoda kunye nabafazi abazizityebi banomkhuba wokusebenzisa iipesenti ezingenakulinganiselwayo zeengeniso zabo ukuze bafumane iimpahla ezivelisayo ezenza ukuba abahlobo babo, amalungu omndeni, oogxa nabo kunye nabo bemihlali bahlale befakela imali kwiipokethi zabo. Cinga, njengoko ufunda oku, mhlawumbi ungazange udibane nam. Nangona kunjalo, ukuba uthe wadla ibha yeHershey okanye inkomishi ye-butterfly yeReese, uye wangithumela imali yangempela. Ukuba unake wathabatha i-Coca-Cola okanye udle i-Big Mac, uye wangithumela imali yangempela. Ukuba uke wathatha imali mboleko yomfundi okanye uboleke imali ukuthenga indlu evela kwibhankini njengo-Wells Fargo, uye wangithumela imali yangempela. Ukuba uye wade walaya indebe yekofi e-Starbucks, uye wangithumela imali yangempela. Ukuba uke uthenge i-Colgate yokutshiza umlomo okanye usetyenziso lwe-Listerine ukuhlamba umlomo, ushukume i-Visa okanye i-MasterCard okanye uzalise imoto yakho ngefololini kwisikhululo se-Exxon Mobil, uye wangithumela imali yangempela. Andizange ndibe nekhono lolo bunzima bomnini. Andizange ndizuze ilifa lezo zibonda zobunini. Ndaqala ngento kwaye ndenze isigqibo sokuba sam phambili, kunye neyokuqala, iinjongo zemali kukufumana ubunikazi beempahla ezivelisayo kwiminyaka yobomi. Kwakuyimbandela ephambili. Ngokuhlonipha yonke idola eyayihamba ngezandla zam, nokwenza isigqibo, ngesigqibo malunga nendlela endifuna ukuyifaka ngayo ukusebenza, ummangaliso wokuqulunqa ukuphakamisa okukhulu.
Xa uqonda oku, uyaqonda ukuba, kwiintlanga ezinjenge-United States apho iindawo eziqhelekileyo zeeminyaka eziliqela ziye zaphantsi kwaye ziphantsi ezithatha izigidigidi kunye nezigidigidi zenziwa yimihla yokuqala, izityebi ezizimeleyo, ukucebisa ubutyebi ngokuqhelekileyo ngemveliso yeepatheni zokuziphatha ezifanelekileyo ekuveliseni ubutyebi. Ziyintloko zemathematika. Phinda uphendule indlela yokuziphatha kunye nexabiso elifanelekileyo eliqhele ukuqokelela.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.
# 6: Ukufunda kunye neNtsebenzo yeNtengiso kunye nalabo abaye bafezekisa
Umtyalomali osisilumko othe wathanda ukukhetha iimpawu ozikhumbuleyo kwaye ongazithandi kakhulu ngamaqhawe akho, yenza konke okusemandleni akho ukuhlakulela iimpawu ozithandayo kwaye uzigatye ongekho. Zibophezele ukuba ngubani ofuna ukuba. Uya kufumana ukuba ngokutshala imali kuwe kuqala , imali iya kuqala ukugeleza ebomini bakho.
Impumelelo kunye nobutyebi kubalisa impumelelo kunye nobutyebi. Kufuneka uthenge indlela yakho kulo mjikelezo, kwaye wenze njalo ngokwakha umkhosi wakho umkhosi ngexesha elinye kwaye ubeke imali yakho ukusebenzela wena.
# 7: Qaphela ukuba iMali Engaphezulu ayiyiyo Impendulo
Imali engaphezulu ayiyi kusombulula ingxaki yakho. Imali yilayidi yokukhulisa; iya kukhawuleza kwaye ivelise imilinganiselo yakho yokwenyaniso. Ukuba awukwazi ukuphatha umsebenzi ohlawula i-$ 18,000 ngeminyaka, into eyona nto enokwenzeka kunokwenzeka kuwe ukuba ufumane amanani amathandathu. Kuya kukutshabalalisa. Ndidibene nabantu abaninzi banokufumana i $ 100,000 ngonyaka abahlala kwi-paycheck ukuze bahlawule kwaye abayiqondi ukuba kutheni kwenzeka. Ingxaki ayikho ubungakanani bekhokhsi yabo, yindlela abafundiswa ngayo ukusebenzisa imali.
# 8: Ngaphandle kokuba Abazali Bakho bebutyebi, Musa ukwenza Oko Benzayo
Inkcazo ye-insanity yenza into efanayo ngokuphindaphindiweyo kwaye ulindele umphumo ohlukileyo.
Ukuba ngaba abazali bakho babengahlali ubomi ofuna ukuhlala ngoko musa ukwenza oko benzayo! Kumele uchithe kwiinjongo zezizukulwana ezidlulileyo ukuba ufuna ukuba neendlela ezahlukeneyo zokuphila kunokuba unako.
Ukufezekisa inkululeko yemali kunye nempumelelo eyenziwa yintsapho okanye ingaba nayo, kufuneka wenze izinto ezimbini.
Okokuqala, yenza ukuzibophezela ngokuqinile ekuphumeni kwetyala. Ukufumana ukuba zeziphi iitalato ezifanele zihlawulwe ngaphambi kokuba utyalomise kwaye ziyakwamkeleka, funda i- Pay Off Your Debt okanye Investment? . Okwesibini, yenza ukonga kunye nokutshala imali ebaluleke kakhulu ebomini bakho; Inkqubo enye kukuzihlawula kuqala .
Ukuthenga ukulingana kubalulekile kwimpumelelo yakho yemali njengomntu ukuba unayo imali engenayo okanye unomnqweno wesikhathi eside kwixabiso lempahla. Akukho ndawo apho imali yakho inokukwenza okuninzi kuwe xa usisebenzisa ukuyifaka kwi-shishini elinethemba eliphezulu elide elide.
# 9: Musa ukukhathazeka
Ummangaliso wobomi kukuba akukhathazeki kakhulu apho ukhona, kubalulekile apho uya khona. Emva kokuba ukhethe ukhetho lokubuyisela ebomini bakho ngokuzakhela umthamo wakho, musa ukunika ingcamango yesibini kwi "ntoni ukuba". Njalo umzuzu ohamba ngawo, ukhula ngokusondeleyo kunye nomgomo wakho wokugqibela - ulawulo kunye nenkululeko.
Yonke idola ewela ngezandla zakho yintlobo kwixesha lakho elizayo lezezimali. Qiniseka ukuba, ukuba unomdla kwaye unomsebenzi, ukuchuma kwezemali kukungenakwenzeka. Usuku luya kufika xa wenza intlawulo yakho yokugqibela kwimoto yakho, indlu yakho, okanye nayiphi na into onayo.
Kuze kube ngoko, nandipha inkqubo.
Iinkcukacha ezithe xaxe
Eli nqaku liyinxalenye yethu Indlela yokufumana isisombululo esisisityebi sabatyalomali abatsha. Ukufumana ulwazi olungakumbi malunga nendlela yokulawula iimali zakho, ukuvelisa imali engenayo , ukulawula ityala lakho kwaye ube ngumntu ozimeleyo ngokwezimali, funda indlela yokufumana ubutyebi-Isikhokelo sokufumana ubutyebi .