Nazi Izinto ezi-7 Wonke umntu omtsha osandul 'uNewlywed
1. Shintsha abaxhamli bakho
Emva kokudibanisa ngokusemthethweni i-knot, qiniseka ukuba kuzo zonke i-akhawunti yakho yokutshala imali, i-akhawunti yokulondoloza, i-401 (k) izicwangciso, i-IRAs, i-inshorensi (ubomi, impilo, imoto, abaphathi bezindlu) kunye namanye ama-akhawunti kwaye uhlaziye iimpawu zakho ezixhamliweyo ukuba ufuna iqabane elitsha ukuba libe naloo propati kufuneka kwenzeka into ethile kuwe.
Nangona unako ukukhetha ezo zixhobo ngokuthanda, ukugcina ulwazi loxhamli-mali ngokukhawuleza kuyindlela elula yokuqinisekisa ukuba ezo mpahla zinguqulelo kwiqabane lakho xa udlula.
2. Yenza Intando okanye Uhlaziye Intando Yakho ekhoyo
Ngaphandle kweendlela ezifanayo zokuqinisekisa ukuba abaxhamli bakho kuzo zonke ii-akhawunti zakho zifikelele ngoku, qiniseka ukuba unayo intando. Nangona abaninzi abantu abazange balindele ukufa kwangaphambili, kukulungele ukulungelelaniswa. Ukuba iinqununu ziyinto engaqhelekanga kuwe, ungabhekisela kwinqaku, Kutheni Ufuna Intando . Iya kukunika ulwazi oluthe ngqo malunga nokuthanda kunye nendlela yokuqalisa ngayo, kodwa isifundo esiyintloko oza kufunda kukuba nguwe, udinga intando.
3. Hlaziya i-inshorensi yakho
Ngelixa unayo le nkqubo ye-inshorensi, phindela phambili kwaye ubuyekeze ngokubhekiselele kwi-post-coverage, iphepheni yokukhutshwa, okanye ukuyeka ukuhamba. Oku kungabandakanya nantoni na kwi-inshorensi yomninikhaya okanye yinshurensi yomnini-inshurensi kwi-inshorensi yobomi kwinshuwalense yezempilo
Ungasindisa kwakhona kwiipresimesi zomshuwalense xa udibanisa iipolisi. Ukuba uthe wadibanisa amakhaya, mhlawumbi uya kulahla umgaqo-nkqubo we-inshorensi yomnini-propati okanye umnini-mali, kodwa qiniseka ukuba umgaqo-nkqubo okhoyo unako ukukhusela okwaneleyo ukukhusela iimpahla zakho zasekhaya, ngokukodwa izinto ezincinci, njengezinto zokugqoka, izixhobo zeekhompyutha , ukuqokelela, njl
Ukuba ngaba bobabini unempilo yomshuwalense wezempilo, hlaziya izicwangciso ngokukhawuleza ukuba ubone ukuba ngaba kunengqiqo ngemali okanye kwimiba yenzuzo yokukhansela enye yezicwangciso okanye ugcine zombini. Ngokuqhelekileyo unentsuku ezingama-30 emva komtshato wakho ukongeza umlingane wakho njengomxhomekeke ngaphandle kokubonelela ubungqina bokungaqiniseki.
4. Bala i-Your Joint Net Worth
Kubalulekile ukwazi apho uhlala khona ngokwezimali njengesiqabane kunye nokwazi nokuqonda imeko yomntu ngamnye. Ukusetyenziswa kokubala inetha lakho kuzakwenza oko. Sebenzisa izitatimende zebhanki, izitatimenti zotyalo-mali, izitatimende zekhadi lesikweletu kunye namanye amaxwebhu ukuba uluhlu lweempahla zakho ezidibeneyo kunye namatyala akho ahlangeneyo ukuze ufumane "umfanekiso" weemeko zakho zezemali, eziza kukubeka kwindawo yokufeza inqaku elithi "Yenzani" inombolo yesihlanu. Ukuba awukwenzi oko, ngoku lixesha lokufumana iikopi zeengxelo zekredithi zakho kunye nokuzifunda kunye. Xhumana no-Experian kwi (888) 397-3742, i-Equifax kwi (800) 685-1111, kunye ne-TransUnion kwi (800) 888-4213.
5. Hlaziya iinjongo zakho zemali
Oku mhlawumbi enye yezona zibalulekileyo zezemali "Ukukwenza" kweso sibini esandula kutshata kunye neembalwa ezimbalwa ezi ngxoxo. Ehlabathini eligqibeleleyo, wena kunye neqabane lakho elitsha kufuneka ube nale ncoko ngaphambi kokubopha iqhosha.
Ubungayichaza impahla yakho (kunye namatyala) kwaye uxoxe ngefilosofi zakho kwi-saving, amakhadi enkoleko, iinjongo zakho zezemali ngekamva, kunye nezinye izinto eziza kuchaphazela ubomi bakho bezemali kunye kunye nokuba uceba ukuzala abantwana. Ukuba ungenayo le ngxoxo ngaphambi kokuba uthi "Ndiyayenza," akukho xesha lihle kunokuba uqale ngoku. Thatha eli thuba ukusekela iinjongo zesikhashana kunye nexesha elide njengokuba isibini sinokuthintela ityala, ukuthenga ikhaya okanye ukucwangcisa umhlalaphantsi.
Kwizona zizathu eziqhelekileyo ezikhankanywe ngokuqhawula umtshato "ziphikisana kakhulu." Yaye yintoni enye yemithombo engundoqo yempikiswano? Uqikelele, imali. Oko kusilethela esizayo "Ukukwenza."
6. Ukuphuhlisa uhlahlo lwabiwo-mali
Andiqinisekanga ukuba ungaqala kuphi? Nasi ishidi lomsebenzi webhajethi kwaye ukhokele .Uyafuna ukubala iholo engenayo kunye nokukhupha iindleko zakho zenyanga kunye kunye nokuhlawulwa kwetyala.
Ngethemba, uya kuba nento eseleyo ukuze ukhethe i-fund yexakeka, yongeza kwindleko yakho, okanye utyalomali. Qiniseka ukuba uxoxe kwaye ube kwiphepha elifanayo malunga nokuba nayiphi na intsalela iya kuhamba.
7. Hlela kwiMichanics yoLawulo lweMicimbi yezeMali
Ngoku ukuba unomfanekiso opheleleyo weemali zakho ezidibeneyo, ukuqonda kunye nesivumelwano malunga neenjongo zakho zezimali, kwaye unokwakha uhlahlo lwabiwo-mali oluhlangeneyo ukugcina, lixesha lokuthatha isigqibo malunga nomatshini wokulawula iimali zakho kunye. Fumana kwiphepha elifanayo malunga nendlela oza kuthatha ngayo imali edibeneyo kunye neyehlukeneyo. Ngaba uya kuvula i-akhawunti edibeneyo apho uhlawula khona iindleko ezidibeneyo? Ngaba uya kuhlala ugcina iibhanki ezahlukeneyo zebhanki? Unokulondoloza buninzi? Qinisekisa ukuba ngubani oza kuba noxanduva lokuhlawula iibhilidi nokunyamekela ezinye imisebenzi zemali. Indlela efanelekileyo yokwenza oku kukukubonakalisa amandla omntu ngamnye nokunika imisebenzi ngokufanelekileyo.
Ukuqenelela okuhle kakhulu. Nathemba ukuba akukho mali efika phakathi kwakho!