Ukugcina Imfihlo Yemali # 1: Uhlahlo lwabiwo-mali
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Okokuqala, kufuneka wenze uhlahlo lwabiwo-mali .
Ndiyazi into ocinga ngayo, kodwa ngaphambi kokuba uphuphe malunga nokugcina imali kufuneka ukwazi apho imali yakho iya khona. Akukho ndlela ijikeleze ngayo. Unokugqiba njani ukuba wenze ukucima okanye ukufumana imali eyongezelelweyo ukuze ulondoloze ukuba awukwazi ukuba yintoni na yakho yonke imali yakho? Awukwazi. Ngoko, lixesha lokudala uhlahlo lwabiwo-mali.
Into enjalo, akudingeki ukuba wenze umsebenzi. Enyanisweni, abantu abaninzi abaphumelelayo bafumana ubomi ngaphandle kokulandelela ipenki nganye nganye imihla ngemihla. Unokufumana ngokukwenza okufanayo. Ekuqaleni, kufuneka uhlale phantsi kwaye ufumane apho imali yakho iya khona. Ingakanani isetyenziswe kwizindlu, izibonelelo, ukutya, amatyala kunye nokuzonwabisa? Emva kokuba udale umfanekiso ocacileyo apho imali yakho iya khona kwinyanga eqhelekileyo unokuqala ukujonga imimandla kunye neengxaki. Emva kokuba ufumene iinkalo zeengxaki uza kuba nombono ongcono ngakumbi apho ungayinqumla khona nangakanani.
Emva koko ungasebenzisa loo mali ukufaka isicelo ekulondolozeni kwakho.
Njengoko uyakubona, imbono ukupenda umfanekiso wendawo apho imali yakho iya khona kwaye ayininzi kakhulu ngokulandelela yonke idola enye oyichitha yonke imini. Ewe, loo nto ingaba ngumsebenzi osebenzayo wokugcina imali phantsi kokulawulwa, kodwa oko kwinto eyenza abantu abaninzi bayeke ukuhlahlo lwabiwo-mali emva kweeveki ezimbalwa nje.
Ukugcina Imfihlo Yemali # 2: Ukuzihlawula Okokuqala
Emva kokuba ufumene apho imali yakho ihamba khona kufuneka ube needola ezimbalwa zeengxowa-mali zokubeka bucala kwi-savings yakho okanye kwisicwangciso somhlala-phantsi njengo- 401 (k) . Oko kukuqala, kodwa kukho enye imfihlo yokugcina imali: ukuzihlawula kuqala.
Mhlawumbi uvile le binzana ngaphambili, kodwa liqhelekile kuba lisebenza. Ukuba unjengabantu abaninzi uhlala ulinde ukuhlawula i- akhawunti yakho , uhlawula iibhilidi uze uthenge ukutya kweveki ngaphambi kokugqiba ukuba ungakanani ukukwazi ukuyibeka kwi-savings. Ngaloo mali isibe encinci kwaye unenkxalabo yokuba unokufuna loo madola ambalwa emva kweveki ukwenzela ukuba ugweme ukubeka nayiphi imali kwi-savings. Impazamo enkulu.
Kufuneka ucinge ngokulondolozwa kwakho njengokuba ungayiphi na enye ibhilikhwe. Xa i-bill yakho yombane ifika nyanga nganye yintoni oyenzayo? Uyaqinisekisa ukuba uyahlawulwa, kunjalo? Yileyo ndlela ufanele ukuyiphatha ngayo imali yakho yokugcina imali. Ukuba umgomo wakho ukugcina i-$ 100 ngenyanga uze ucinge ukuba ngu-bill ye-$ 100 efuna ukuhlawulwa. Ukuba ucinga ngale nto ngokwemithetho yowiso-mthetho uvumelekile ukuba wenze idiphozithi kwaye wakha i- fund yakho yengxamiseko .
Ukucinga nje malunga nokulondolozwa kwenyanga kwenyanga njengento ayiyilwayo, kwaye yilapho kufuneka uhlawule kuqala.
Kufuneka wenze isicwangciso sokulondoloza ngokuzenzekelayo esiza kufaka imali ngokuzenzekelayo kwi-akhawunti yakho yokulondoloza ngaphambi kokuba ube nethuba lokuyichitha. Oku kungenziwa ngokuchanekileyo ngokusebenzisa idiphozithi ngqo yomqeshi okanye ngokugqithiswa rhoqo kwibhanki yakho. Kwaye nje ngomlingo, awuyi kuphinda ulahlekelwe imali egcina imali kwiveki nganye, kodwa i-akhawunti yakho yokulondoloza iqala ukukhula ngexesha.
Ukugcina Imfihlo Yemali # 3: Yenza Okungezantsi Kunoko Uzuze
Le ngqungquthela engcwele yezemali, kodwa ukuba awukwazi ukusebenzisa le mfihlo awuyi kuze ukwazi ukugcina imali. Kuphela kufuneka uchithe imali encinci kunokuba uyifumana kwaye akukho ndlela ejikeleze loo nto. Konke malunga nokuhamba kwemali.
Ukuba ufumana i-$ 100 kwaye uchithe i-$ 110 ngoku u-$ 10. Uvela phi loo dola elishumi? Ngokuqhelekileyo, uboleke imali, mhlawumbi kwikhadi lesikweletu okanye uhlobo oluthile lomboleko.
Uqikelele ntoni na? Oboleka imali ihamba nomdla. Oko kuthetha ukuba ngokwenene udlula iidola ezili-10 emgodini. Njengoko uqala ukwenza njalo rhoqo inyanga emva kwenyanga kwaye ngexabiso elingu-dollar lilula ukubona indlela umntu angafumana ngayo amashumi amawaka eedola ngetyala, yintoni isizathu sokuba abantu abaninzi banomuva ngathi abanayo imali ukugcuna.
Njengoko le nyala ityala ungayifumana nje ukwenza iindleko ezincinci nganye ngenyanga, kodwa oko kuthetha ukuba uya kuchitha iminyaka elishumi okanye emashumi ezayo ukuhlawula into ongeke ukwazi ukuyisebenzisa, uchithe amawaka emdlalweni.
Unako Ukugcina Imali
Ngaba ezo zifihli zivakala ngathi zinengqiqo? Ku fanele. Abaninzi bethu bayazi ukuba kufuneka sihlalutye imali yethu, sibeke imali ngaphandle kwexesha elizayo, kwaye sihlale sikhokhwe, kodwa abaninzi bethu abakwazi ukwenza. Ngelishwa, ukufutshane ukuphumelela iLotter, akukho zifihli zokwakha ubutyebi . Le migaqo emithathu yokuphatha imali efanelekileyo isiseko sezimali zemali.
Into eqinisekile. Ukuba unako ukuhlawula imali yakho ukuze uchithe ngaphantsi koko ufumene kwaye ufake enye yale mali kwi- akhawunti yokugcina okanye yokuthatha umhlalaphantsi ngaphambi kokuba ube nexesha lokuyisebenzisa, uya kuba nako ukugcina imali nokwakha ubutyebi.