Ukuhlawula amatyala kunye nokwakha ubutyebi kunye noDave Ramsey's Baby Steps
Isana Isinyathelo 1: Nika i-$ 1,000 kwiNgxowa-mali eNgxamisekileyo
Ingxowa-mali engxamisekileyo , eyaziwa nangokuthi "i-fund day day fund," yimali oyibeka eceleni xa kukho imeko engxamisekileyo.
AYI-akhawunti oyithintelayo ukuya kwiholide okanye ukuthenga i-cleaner cleaner entsha.
Nangona unetyala lekhadi elikhulu lamatyala, uRamsey uthi ufanele ubeke i-$ 1,000 kwi-fund yexakeka. Emva koko qalisa kugxininisa kwibhatyala lakho.
Ngoba? Cinga ngento - ukuba unombulelo omkhulu wenkcitho kwimeko engxamisekileyo, njengoluhambo oluya kwi-ER okanye imoto yakho efa, loo ndleko ingakuthumela ngokukhawuleza kwi-matyala. Ukuba ne-$ 1,000 egcinwe ukukunceda uthetha ithuba elincinci lokugxotha inkokhelo enkulu.
Umntwana wesinyathelo 2: Ukuhlawula ityala lakho
Inyathelo lesibini liyinyathelo elikhulu, enye inokuthabatha iminyaka: hlawula zonke iitaliti ngaphandle kwe-mortgage yakho. URamsey ukhuthaza iqhinga elibizwa ngokuthi " ityala lebhola lebhola ." Oku kubandakanya ukuhlawula amatyala kwi-balance balance to the balance balance, kungakhathaliseki ukuba inzala.
Le yindlela yokuphikisana. Uninzi lweengcali zengxowa-mali zikhuthaza "ukutsalwa kwetyala," apho ugxininisa ekuhlawuleleni ityala ngezinga eliphezulu lemali yokuqala.
Nangona kunjalo, abantu abaninzi baye baphumelela ngetyala lebhola lebhola ngenxa yokuba le ndlela ibenzela abantu ithuba lokuxhamla amatyala abo. Xa ulahla ityala lakho elincinci, uvakalelwa kukuba ufezekiso olunokuthi luqhubekele kwinkokheli yakho encinci.
Ingane Isinyathelo 3: Yakha iNgxowa-mali yeNkcazo yeNyanga ezi-3-6
Emva kokuba ityala lakho lihlawulwe, yakha i-fund yexakeka engxamisekileyo ehlanganisa iinyanga ezintathu ukuya kwezi-6 zeendleko zakho zokuhlala.
Oku kuya kukunceda ukuba ungaphinde ujonge amatyala nakwimeko apho ujamelana neengxaki ezinkulu, njengokulahlekelwa ngumsebenzi.
Ukuba oko kubonakala ngathi kuninzi, khumbula ukuba uza kuba netyala ngekhangeli kweli nqaku, ngoko yonke imali oyisebenzisayo ukuhlawula ityala lakho ngoku iyakwazi ukujoliswa kulondolozo lwakho.
Umntwana wesinyathelo 4: Londoloza iipesenti ezili-15 zeNgeniso yakho yokuThatha umhlalaphantsi
Isinyathelo esilandelayo kukubeka eceleni iipesenti ezili-15 zengeniso yakho yemali kwiingxelo zomhlala phantsi ezifana neRoth IRA okanye i- 401k yendabuko .
Musa ukuxhalaba ukuba umqeshi wakho awunikeli isicwangciso somhlalaphantsi. Unokwenza i- akhawunti yakho yomhlala phantsi okanye i-IRA.
Ukuba ufuna ukugcina ngaphezulu, unako - uRamsey ukhuthaza ukuba uqale ngeepesenti ezili-15. Ukwandisa ukuba ukuya kuma-30 okanye kwimizuzu engama-50 kuya kufumana umzila wokuthatha umhlalaphantsi kwangaphambili (kuxhomekeke kwiminyaka yakho), yinjongo kwabanye abantu.
Umntwana wesinyathelo 5: Gcina iKholeji
Emva koko, qalisa ukugcina kwiikholeji okanye kwimfundo yekholeji yabantwana (okanye zombini!). Ucebisa ukusebenzisa ii- 529 zeeKholeji zokuSindisa iiNkcazo kunye neeNkcazo ze- Education Savings (ii-ESA) njengezithuthi zakho zokugcina.
Cinga ukuba oku kufuneka kufike ngaphambi kokulondoloza umhlalaphantsi? Khangela ngale ndlela: abantwana bakho banokufumana imali mboleko kwiikholeji. Awukwazi ukuthatha imali mboleko ngomhlalaphantsi.
Beka lakho ikamva kuqala.
Umntwana wesinyathelo 6: Ukuhlawula umboleko
Ngoku yisikhathi sokuphonsa zonke iidemon ekuhlawuleleni imali yakho yangaphambili . Kutheni kufuneka ulinde iminyaka engama-30 ukugqiba ukuhlawula indlu? Unokuhlawula ngenyameko inqununu kwaye ungabi nantyala ngokupheleleyo, kuquka nekhaya lakho!
Oku kungenza uhambo olukhulu lomhlalaphantsi, ngakumbi ukuba uceba ukuhlala ekhaya lakho langoku ubomi bakho bonke. Uya kuba noxolo lwengqondo oluza kunye nokwazi ukuba ikhaya lakho likhululekile kwaye licacile. Akukho mntu ufuna ukukhathazeka malunga nokwenza imali yokuhlawula imali yokuhlala phantsi.
Umntwana wesinyathelo 7: Yakha ubutyebi kwaye unikele
Ngoku ugcina iipesenti ezili-15 ukuya kumhlala phantsi (okanye ngaphezulu), ungekho-matyala (kubandakanywa nemali mboleko), kwaye ulungele ukuthumela abantwana bakho ekholejini.
Ixesha lokuba kugxininiswe kwisakhiwo sokongamela ngokutyalomali, ukudala amashishini, njl.
Ungakulibala ukunika uncedo ngoku ukuba uyanyamekelwa, nokuba. Into ebalulekileyo ngokuba nobutyebi ukwabelana nabanye abayifuna kakhulu.