Nazi a mathathu amanyathelo okufuneka uthathe unyaka owugqibileyo.
Qala Ukugcina Umhlalaphansi
Ngokukhawuleza uqala ukugcina umhlalaphantsi , bhetele uya kuba xa kufika ixesha lokuthatha umhlalaphantsi. Ukuba uqala ngekhekhe yokuqala, awuyi kuphinda ulahlekelwe yimali kuba ulungelelanisa kumvuzo omtsha kunye neendleko zokuphila. Ukuba awufaneleki ukutyalomali kwi-401 yakho (k) ngokukhawuleza, unokuvula i-IRA kwaye uqale ukufaka inxaxheba kwinyanga nganye. I- Roth IRA iya kukuvumela ukuba uhoxise umhlalaphantsi wakho ngaphandle kokuhlawula irhafu kwimali, ngelixa i-IRA yendabuko inokukunceda ukuhlawula imali engenayo engenayo. Unokuvula i-IRA kwenkampani yokuthengisa umrhweba kwaye ukhethe amasheya ahlukeneyo okanye iimali eziphathekayo ukuze utyalomali.
Xa usu-20s, unokuba nobudlova kunye neentlobo zemali otyalo-mali kuyo. Iimali ezinobungozi obukhulu ziza kukhula ngokukhawuleza, kodwa zinomngcipheko ophezulu. Nangona kunjalo, xa usu-20s yakho, uza kuba nexesha lokuthengiswa kweemarike ukuba uphinde uhlawule.
Xa usondelene nobudala bokuthatha umhlalaphantsi, kufuneka ube nolondolozo oluninzi malunga notyalo-mali.
Qinisekisa ukuba usebenzisa ngokupheleleyo umdlalo owenziwa ngumqeshi wakho. Le ndlela yindlela elula yokugcina umhlalaphantsi. Abanye abaqeshi baya kufakela ngokuzenzekelayo imali ehleliweyo, ngelixa abanye beya kufanisa umrhumo wakho ukuya kwisixa esithile.
Kufuneka uncedise kulo mdlalo ukuze ukwazi ukufumana imali eyongezelelweyo kwiminqophiso yakho yomhlalaphantsi.
Yenza Isicwangciso Sokunyamekela Imali Yakho Yomfundi
Imali-mboleko yakho yomfundi iya kuhamba ngokuzenzekelayo emva kweenyanga ezintandathu emva kokuba uphumelele. Nangona kunjalo, kufuneka ulandele kule nto kuba ngamanye amaxesha ezinye i-akhawunti ziza kutyhulwa. Unokukhetha ukuhlawula umdla ngeli xesha ukwenzela ukuba aluqhubeki ukuhlanganiswa. Qinisekisa ukugcina ulwazi lwakho loqhagamshelwano luhlaziywa nomniki-mboleko wakho womfundi.
Xa usufikile umsebenzi wakho wokuqala, kufuneka wenze ukubethelwa kwetyala lakho lokubolekisa imali . Unokufuna ukuqwalasela ukudibanisa iimali-mboleko zakho zabafundi xa ufumanisa ukuba iintlawulo zininzi kakhulu ukuba ulawule ekuqaleni. Unokubona kwakhona ukuba ufanelekile ukuba ufumane inkokhelo enokufumana imali. Nangona ezi zikhetho zinokukunceda xa kuqala uqala, kubalulekile ukuba uhlawule ityala kuqala.
Ungasebenzisa iibhonasi kunye neentlawulo zeerhafu ukukhawulezisa inkqubo yokuhlawula imali yakho yomboleko. Ungakwazi kwakhona ukuhlala kwisabhajethi esingenalutho kude uhlawule ityala. Kulula kakhulu ukuqala ngesabelomali esomeleleyo kunokuba uzame ukunciphisa iindleko kamva xa uzama ukulawula iimali zakho.
Lungiselela ukungalindelekanga
Ubomi buzele iimangalo. Kungaba ithuba lokuhamba ngephupha okanye mhlawumbi ukuba imoto yakho iphule ngokungalindelekanga. Kunceda ukuba imali ibekelwe bucala ukufihla iindleko ezingalindelekanga ukuze ukwazi ukujongana nazo ngaphandle kokukhathazeka okanye ukuhamba. Xa uqala ukuqala ukusebenza, kufuneka usethe imali engxamisekileyo ye-$ 1,000. Enye inketho kukugcina enye inyanga yeendleko. Le mali ingakunceda ufihle yonke into yokulungisa unonophelo kwiindleko zonyango ezingalindelekanga.
Xa usuhlalelwe ityala, kufuneka usebenze ekwakheni isikhwama siphumo esiphuthumayo esiza kubandakanya phakathi kweenyanga ezintandathu ukuya kunyaka weendleko. Imali oyikhethayo iya kuxhomekeka ekukhuselekeni komsebenzi wakho. Ukuba intsimi yakho inokutshabalalisa yonke iminyaka embalwa, kungcono ukulungiselela unyaka weendleko.
Ukongeza, unokucinga ukulungiselela ezinye iindleko ngokubeka imali yokucoca .
Ezi ziza kugubungela izinto ezifana nokulungiswa kwemoto, ukuthenga imoto entsha ngemali okanye ukuhlawula ekhaya. Ukuba ungumnikazi wekhaya lakho, unokubeka eceleni kwemali ukulungiselela ukulungiswa kwekhaya okanye iphrojekthi yokulungisa. Ungasebenzisa le nto ukuyigcina izikhefu zakho.
Yiya kwiiDreams zakho
Xa uqala ukuphumelela, unamathuba amaninzi afumanekayo kuwe. Unako ukukwazi ukulandela loo maphupha. Hlala phantsi uze wenze isicwangciso seminyaka emihlanu esiza kubhalela apho ufuna ukukwenza kunye nento ofuna ukuyenza kwiminyaka emihlanu ezayo. Oku kungabandakanya yonke into ukusuka kumsebenzi wakho ukuya kwiimfuno ofuna ukuba nazo kunye nemigqaliselo ofuna ukuyifumana. Emva koko wenze ukuba kwenzeke. Musa ukuzithethelela, qaphela oko ufuna ukukwenza uze uhambe kuyo.
Iminyaka emihlanu yokuqala yemisebenzi yakho ibaluleke ekukuqondiseni ngendlela efanelekileyo. Qiniseka ukuba awuhlali kumsebenzi ongenako ukukhula. Ukuba imarike kunzima ukungena okanye akukho imisebenzi emininzi, unokufuna ukucinga ngokuthatha ezinye iiklasi kunye nokwandisa iziqinisekiso zakho. Ungesabi ukukhangela umsebenzi omtsha onika amandla okukhula okungakumbi, ingakumbi ukuba umsebenzi wakho wokuqala awunjalo oko ufuna ukuba ube.
Uhlahlo lwabiwo-mali
Ekugqibeleni, into ebaluleke kakhulu ongayenza kukuba uhlolisise uhlahlo lwabiwo-mali. Akunandaba nokuba unokwenza kangakanani ukuba ungenaso isicwangciso esiqinileyo malunga nento ofuna ukuyenza ngayo loo mali. Unako ukuchitha ixesha elingakumbi kunokuba wenze. Imali yakho ingaba sisixhobo esikhulu sokukunceda ufikelele kwiinjongo zakho kwaye uphile ubomi obukhululekile, kodwa kufuneka ulawulwe. Kungaba yinto efanelekileyo yokuqhubeka uhlala njengabafundi beekholeji kwiminyaka embalwa .
Kulo nyaka kufuneka ufumane inkqubo yohlahlo lwabiwo-mali esebenza kuwe ingaba ilula njengendlela yokusebenzisa inkqubo yemvulophu okanye ukufumana i-app epheleleyo kwimali yakho. Xa ugqiba ixesha kunye nendlela ochitha ngayo imali yakho ulawulwa kwaye unokubeka phambili ukuchitha imali yakho ukufanisa iinjongo zakho. Uhlahlo lwabiwo-mali luyakunceda ukuba ugweme amatyala kwaye ulungiselele amanyathelo alandelayo njengokuthenga ikhaya okanye ukuqala intsapho. Ukuba unokuqala uhlahlo lwabiwo-mali ngokukhawuleza xa uphumelela, uya kuba nako ukwenza imali eninzi ebomini bakho.