Ibali lendlela umntu oneminyaka engama-20 ubudala ahlawula ngayo iindleko zakhe
Akanayo naziphi izakhono ezithengisayo. Kwakhona akanalo umthombo ongenako wokufumana imali. Umsebenzi wakhe kuphela uwenza kwimibutho. ULexi unelizwi elikhulu, kwaye ubiza umnxeba we-talente ukuba ahlabelele kwimikhosi yokuzalwa, i-bar mitzvahs, kunye nezinye iziganeko.
Ngobusuku asebenza ngayo, ufumana imali enhle; maxa wambi uza kuzisa ekhaya kangange $ 500 okanye i-$ 600 ngenye imini. Kodwa ke uya kuhamba ngeveki okanye ezimbini ngaphandle kokuhlawula iigigs.
Iindleko zabafundi beKholeji
ULexi ufuna ukuhlawula:
- Ukuqeshisa kwindlu yakhe - $ 575, kubandakanya inkonzo yamanzi kunye nenkunkuma
- Umbane -
- Ukuhlawula imoto - $ 180 ngenyanga
- Ukutya - Ukuchithwa
- I-Gasoline - Iyahluka
- Inqwelo yomshuwalense we-Car - i-$ 450 rhoqo ezintandathu
- Intlawulo yerhafu - ekubeni i-self-employed
- Ingeniso yokuqonda (ukuphuma kunye nabahlobo) - Uhluleka
- Izambatho - Zibaleka
- Iifoloji (umz
- Intanethi ye-intanethi - i-$ 40 ngenyanga
- I-Cellular Phone Plan - i-$ 80 ngenyanga
Iyiphi indlela engcono kakhulu yokwenza uhlahlo lwabiwo-mali?
Inyathelo lokuqala: Okokuqala, kufuneka adibanise zonke iindleko zakhe "ezicwangcisiweyo". Iimali zenyanga zenyanga okanye ezithatha ixesha elilodwa ezifana ne-inshurensi yemoto, efika emva kweenyanga ezintandathu, kufuneka idibanise inani lize likwazi ukuba zezibophelelo zayo zenyanga.
(Inqwelo-yomshuwalense yemoto, umzekelo, i-$ 450 rhoqo ezintandathu, elingana ne-75 ngenyanga.)
Iindleko zakhe "ezinqamlekileyo" zongeza i-$ 950 ngenyanga, kunye neyesine kwintlawulo yayo yonke, ekufuneka ibeke eceleni ukuze ihlawule irhafu yerhafu.
Inyathelo lesibini: Emva koko, kufuneka sihlule "iindleko" ezi zigaba ezimbini: eziyimfuneko kunye nokuqonda .
Iindleko zakhe eziguqukayo ziquka umbane, ukutya, igesi, iintlawulo, izindlu zangasese, iimpahla kunye nokuphuma kunye nabahlobo bakhe.
Izinto ezifunekayo kwoluhlu ziquka umbane, ukutya, igesi, irhafu, kunye nezinye (kodwa akuzona zonke) zangasese. (I-Shampoo kunye ne-toothpaste, umzekelo, ziyimfuneko, kodwa iinwele ze-gel kunye namazinyo-ukuqhaqhawula amacwecwe kuyabonakala.)
Izinto eziqondayo kuloluhlu ziquka izinto zangasese, iimpahla kunye nokuphuma kunye nabahlobo.
Inyathelo lesithathu: Linganisa iindleko zeemfuno zakhe eziguquguqukayo. Unokwenza oku ngokujonga iinyanga ezimbalwa ezidlulileyo zeerisiti (kunye / okanye iingxelo zekhadi lesikweletu) ukuze ubone ukuba uchithile kangakanani kwizinto ezidibeneyo kuloluhlu.
Uyayiqonda imeko yayo. Ngoku kuthweni?
Kuyo yonke inyanga, njengoko uLexi ufumana imali, kufuneka aqalekele eceleni ipesenti ezingama-25 zeerhafu nganye zerhafu.
Amanye ama-75 ekhulwini kufuneka abeke eceleni "i-fixed" bills ($ 950 ngenyanga) kunye " nezidingo zakhe eziguquguqukileyo " (ezifana nokutya okulinganiswayo, igesi kunye nombane).
Naliphi na imali ayifumana emva kokuhlawula zonke ezo iindleko zingaya "kwiimfuno zokuqonda" ezifana nokuphuma kunye nabahlobo, ukuthenga iimpahla nokuthatha uhambo lokuphumula.
Prognosis yeMali
I-Lexi inendawo efanelekileyo xa kuthelekiswa nabafundi abaninzi beekholeji.
I-Georgia ye-HOPE-scholarship-enika izifundo zamahhala kunye neencwadi kubafundi baseburhulumenteni abahlala kwi-grade-point-point point or better - ihlanganisa zonke iindleko ezihambelana nesikolo. ULexi akadingeki ukuba akhathazeke ngokugcina imali yesikolo, kwaye akayi kudingeka ukuba athathe imali mboleko.
(I-scholarship ye-HOPE iquka izindleko zezindlu zabafundi bexesha elizeleyo, kodwa uLexi ugqibe ukuthabatha unyaka esikolweni. Ngenxa yoko, kufuneka ahlawule irente yakhe, izibonelelo kunye nezinye iindleko zokuphila.)
Ekubeni uneminyaka engaphantsi kwe-26, unokuhlala kwisicwangciso se-inshorensi yomzali wakhe, ngoko akadingeki ukuba akhathazeke ngokuthenga i-inshurensi yempilo. Oko kuyamkhulula ekuhlawuleni i-premium yenyanga.
INgxowa eyongezelelweyo
Ehlabathini elungileyo, uLexi uya kuqala ukubeka eceleni enye yemvuzo yakhe kwiRoth IRA, eyona akhawunti yokugcina umhlala - phantsi eyinto efanelekileyo kubantu abatsha kunye nabafumana umvuzo ophantsi.
Kungenxa yokuba iminikelo eya kwiRoth IRA, ngokungafani ne- IRA yendabuko , ihlawuliswa phambili kunokuba ihoxiswe.
Imali yeLexi kule ngxaki ebomini bayo igcina kwindawo ephantsi yentela. Ngokubeka imali kwi-Roth IRA, uLexi angasebenzisa inzuzo yakhe yangoku yerhafu ephantsi ngokuhlawula irhafu kuloo mali ngoku. Akayi kuze ahlawule i-dime kwizabelo kunye nemali eyinzuzo eyinzuzo yakhe yemali ngaphakathi kwe-IRA, kungekhona nangona xa ehoxisa umhlalaphantsi. Imali angayifumana kwi-Roth IRA iminikelo kwiminyaka eyi-20 iya kuba yininzi; ukuba imali iya kuba neminyaka engama-45 ukuze iqulunqe inzuzo yayo .