Ukuba umntwana wakho uyakwazi ukulawula imali yakhe, baya kuba nomgangatho ophezulu wokuphila, abayi kubabiza ngokuba yimali-mali (kubanika ukuzimela ngokukhululekileyo kwemali xa benciphisa umthwalo kwi-checkbook yakho), kwaye unenkululeko ukhethe indlela yabo ngaphandle kokukhathazeka ngemali-mboleko yomfundi , iintlawulo zeemoto, okanye ityala lekhadi lesikweletu .
Inqanaba lakho leNkululeko linamathele kakhulu kwiNqanaba lakho leMatyala
Inqanaba elingaphezulu ngokwetyala lilingana nobomi obufanayo. Enye yeengozi ezinkulu zezemali kubantu abadala abasenkundleni "inzuzo" efana ne-zero-down finance, akukho ntlawulo yeenyanga ezili-12 okanye ezinye iigimmick ezifanayo ezinikezelwa kwiifenitshala zetitshala, abathengisi bokuphucula ikhaya kunye nabathengisi bemoto.
Ngokuqhelekileyo, bayakhohliswa ngokukhululeka kwemboleko kunye nokuxhaswa ngokukhawuleza kokuthenga ngaphandle kokuthatha imali ngaphandle kwepokothini namhlanje. Kungekudala, kamva, baya kuphelisa ukuhlawula iindleko zezinto kwaye mhlawumbi baninzi.
Fundisa wakho umntwana ukuba agxininise impembelelo yemali yexabiso elithengiweyo kunye nokukhusela izibophelelo zemali eziphindaphindiweyo kuzo zonke iindleko. Umntu omdala onomdla wokulinganisela ophethe i-bill yefowuni kuphela (i-$ 78), inkokhelo yemoto (i-$ 275), i-inshurensi (i-$ 100), kunye nerenti (i-$ 500) ikhangele ukuphuma kweenyanga ezili-953!
Ngamanye amazwi, i-$ 11,100 yengeniso yakhe yonyaka iya kuphela ekugcineni imoto, ifowuni, nokuphahla phezu kwentloko.
Emva kokuxhaswa kwiindleko zokuphila ezifana nezambatho, i-gas, inkonzo ye-intanethi, ikhebula kunye nokutya, kuyacaca ukuba umntu omdala osemdala kule ndawo mhlawumbi akanalo imali eninzi ukuba angenayo inqwenela yokwakha utyalo-mali iphothifoliyo, gcina imali yokuhlawula indlu, okanye uhambe ukugqwesa isikolo (ngokucwangcisa izicwangciso zokulondoloza, funda i- Pay Payself Okokuqala kunye neMithetho ye-Building Building ).
Gwema amatyala kwiKhadi leMatyala ngaphezu kwayo yonke into
Inkokhelo yamakhadi okwereta ngetyala. Ukuba umntu omdala owenza i-4% kwi-akhawunti yokulondoloza i-passbook kodwa ehlawula inzala engama-20 + kwi-card yekhadi lakhe lesikweletu, ubabiza i-16% ilungelo lokufumana i-4%. Le ngenye yezinto eziyintsifo engayenza.
Esikhundleni saloo nto, kufuneka bathathe izixhobo zabo ezikhoyo kwaye bahlawule izilinganisi, batyala imali kuphela emva kokuba bayeke ukuhlawula amaxabiso aphindwe kabini kwimpilo yabo ngonaphakade. Elinye ityala, njengemali-mboleko yomfundi, iimali-mboleko, njl, kuxhomekeka kwiimeko ezithile. Ukuze uncede ngokugqiba ukuba yiyiphi ityala kufuneka uhambe kwaye ingahlala nini, funda i- Pay Off Your Debt okanye Investing? .
Vula i-IRA kunye negalelo kuyo njengoko kungekudala (kunye noLutsha) njengoko kunokwenzeka
Umhla wakho umntwana uhamba e-18, kufuneka avule i-IRA. Kwiimpawu ezithandathu zokuthatha umhlala-phantsi ocebileyo , ndibonisa ukuba uneminyaka engama-40 ubudala ekutsaleni i-$ 20,000 ngonyaka ngomhlala-phantsi uza kugqiba kunye nesiqingatha sezinto ezinempahla njengomntu oneminyaka engama-21 ubudala onotyala imali engama-5,000 ngonyaka. Nangona ukugcina imali encinci kunokuba yi-fortune ehloniphekileyo xa kunikwa ixesha elaneleyo.
Khetha Ikholeji Yakho Ngokuhlakanipha
Kwiimeko ezininzi, kukho umlinganiselo omncinci phakathi kweekholejini ezizii-30,000 zeekholeji kunye ne-12,000 yeyunivesithi yaseburhulumenteni. Into ebalulekileyo yintoni oyenzayo ngezinga lakho, kungekhona igama eliqhotyoshelwe kuyo (ngaphandle kwimihlaba ekhethekileyo njengomthetho okanye iyeza).
Ukuzibamba ngee-64,000 zama-$ 000 kwiitaliti kunokutshintsha ngokucacileyo izicwangciso zakho zobomi. Kwiinyanga ezimbalwa emva kokugqitywa kwezifundo, uya kunyanzelwa ukuba wenze imali yokubolekisa imali yakho yokuqala. Oku kunokubangela ukuba uthathe umsetyenzana ngomsebenzi ngenxa yengeniso ngendleko yithuba elihle kamva.
Qaphela izimpungushe ezincinane
Kuthiwayo ukuba iifungulu ezincinci zonakalisa umdiliya. Impumelelo yemali yabo bonke abadala abasemncinci imiselwe ngokubanzi ngeminqweno yabo yemihla ngemihla. Ukuba uthenge ithelevishini ye-$ 500, banokuya kwiivenkile ezahlukeneyo, qhathanisa amaxabiso, kwaye bafumane ixabiso elifanelekileyo.
Ngaphandle kokucinga, ke, bangasebenzisa i-$ 50 kwindawo yokutyela, i-$ 5 kwisikhululo segesi ukuthenga i-coke kunye nephephandaba, i-$ 25 kuma-movie, ama-dollar angama-85 e-sweater kwi-Banana Republic, i-$ 20 yekhandlela, i-$ 30 ngencwadi, i-$ 5 kusela e Starbucks ...
u fumana umfanekiso.
Ezi zindleko ezincinci zilungele ngokwabo, kodwa ngokuhamba kwexesha zongeza kwixabiso elithile. Ngaphandle kokwazi, umdala omdala kule meko uye engazi ngokuchitha imali yakhe eyizigidi ezili-1 ngelo xesha . Ngokukhawula kuphela i-$ 3 ngosuku kwaye utyalomali, umntu omdala omdala unokuba ngumgidi-mali ngokuthatha umhlalaphantsi.
Yazi i-State of Your Flocks - Sebenzisa iNkqubo yeProjekthi yokuThengisa iimali zakho
UKumkani uSolomon, omnye wabantu abacebileyo emlandweni, wabhala wathi, "Yiba neqilima ukwazi isimo sempahla yakho yeegusha, kuba ubutyebi abukhuthazekanga ngonaphakade". Kukho izixazululo zesofthiwe ezikhoyo, kubandakanywa iinkonzo ze-intanethi ezifana neMint, ama-spreadsheets asekudala njengeMicrosoft Excel, okanye ezo zifumaneka efini kwiGoogle Drive.