Ngaba unetyala?
Ngako-ke ama-80% aseMerika, ngokwemiqathango yePew Charitable Trusts. Lezo zibophelelo ziza kufumaneka ngetyala le-mortgage (44%), ityala lekhadi lesikweletu (39%), iimali-mboleko zemoto (37%), iimali-mboleko zabafundi (21%), okanye ukudibanisa ezinye okanye zonke ezi ngasentla.
Xa i-Federal Reserve ikhulise umlinganiselo wenzalo ngo-Disemba, kwachazwa kwakhona ukuba kuya kubakho ukunyuka kwamanani amathathu ngaphezulu ngo-2017. Oku kuya kwenza amakhadi akho ekwereta, ii-HELOC, kunye nayiphi nayinye inkokhelo-rate rate esele uyenzile - kwakunye nayiphi na imali entsha oyibolekayo - eyongeziweyo kwiinyanga kunye neminyaka ezayo .
Oko kuthetha ukuba ixesha lokuya emsebenzini kumatyala akho ngoku.
Ukuba le yinkqubo oyenzile kuphela ukusilela ngaphambili, ungathembeli kwithemba. Into yokuqala okumele uyenze ukutshintsha umkhuba wakho wokuhlawula iindleko njengoko zifika kwenye apho uhlawula khona ngokuzenzekelayo, uchaza uSarah Newcomb, uqoqosho lwezoqoqosho kwi-Morningstar. "Ngaphantsi kufuneka ucinge ngako, bhetele," ushilo.
Kodwa le yindlela enye ekuqinisekiseni impumelelo yakho. Nantsi enye imimiselo oyifunayo ukuyiphula kwaye ishintshele ukuqala uhambo lwakho ekunikeni inkululeko yemali.
Isimo: Akunakucinga Ngekamva
I-Newcomb ifumene ukuba enye yezinto eziphambili eziqhuba ukulinganisela kwamatyala aphezulu -ngeniso ukungaphelelwa ngumonde, oku kungakhokelela ekuhlawuleni inzala ekuthengeni kwakho. "Inyani le nto kukuba ungaphelelwa ngumonde, uphakamileyo intlawulo uza kuhlawula kuyo yonke into," ushilo. Kuphando lwakhe, ubuza abantu ngeendlela zabo zokuziphatha kwezimali xa kuziwa kwizinto ezifana nokuphathwa kwemali, ukugcina uhlahlo lwabiwo-mali, ukulandelwa kwemali, ukulawulwa kwemali-mboleko, ukugcina, nokuchitha imali ngaphantsi kokuba bafumana.
Oko kufunyanwe kukuba xa ebuza abantu abafanayo ukuba baya kufikelela phi ikamva kwixesha elizayo bathambekele ukucinga okanye ukucwangcisa, kukho ukulungelelaniswa okubalulekayo: Abo baxhomekeke kwixesha elizayo bangcono ekulawuleni imali yabo. Ukufumana ukuwela kwemida emininzi yabantu kubandakanya ubudala, ingeniso kunye nemfundo, uthi.
A
Sitshintshe: Zibuze into oyifunayo imali yakho kulo nyaka, kwiminyaka emihlanu nakweyishumi. Isitshixo senza into ethile - umzekelo, endaweni yokucinga "umhlalaphantsi," cinga ngeendlela ezithile ozithandayo ukuthatha okanye indlu ethile ongathanda ukuhlala kuyo.
I-Habit: I-Bargain-Hunting for Sport
Kulula ukuziva ngathi ugcina imali xa uthengisa into ekuthengiswayo-ngakumbi xa inani lexabiso lokuqala okanye ipesenti ehlala ixilongo kuwe. Kodwa ukuba ubungenakulungele ukuthenga loo nto, awusindisi nantoni na.
Kwaye ingxaki enkulu yile: "Abantu bachitha imali emininzi xa behamba ngokuzingela," kusho umzululwazi wezengqondo zengqondo uKit Yarrow, oye waphando ngolu hlobo. U-Yarrow uthi: "Yintoni abantu ababa ngumlutha ngayo into evuyisayo yinto abacinga ukuba iyayinqoba, into abacinga ukuba iyayisindisa, into abacinga ukuba iyayilungela ngemali yabo."
Tshintsha: Ngaphambi kokuthenga, linda uze udinga into ethile. Eyona nto ingcono, ungathengi nantoni engekho kwiluhlu lwangaphambili. U-Yarrow uphakamisa ukuba ungabhalwanga kwi-email kunye nomthengisi we-imeyile, kuba bahlala bekunyanzela ukuba babone i-bargains-enokuthi ithathe inani elinamandla lokuxhathisa. (Unroll.me isisityebi esihle sokucoca ibhokisi lakho lokungenayo kwaye ungabhalisi kwizinto ezinje.)
Umzi: Ucinga Ukuba Unamandla
Nguwuphi na kulezi zimbini ezi ngxelo ozivumelanako nezona zininzi?
a) "Ndiyakhe ikusasa lam imali."
b) "Iimali zam zilawulwa kakhulu yimikhosi engaphandle."
Uphando lukaNewcomb lubonisa abantu abakholelwa ngaphambili - kungakhathaliseki ukuba yinzuzo, imfundo, ubudala kunye nezinye izinto - ngabaphathi abangcono bezimali zabo, imali kunye nokulondolozwa. "Awuyi kutshintsha indlela oziphatha ngayo de utshintshe ukucinga kwakho," utshilo. Oku akulula, kodwa akunakwenzeka.
Sitshintshe: Ukuphindaphinda kubalulekile. Yenyuka nge-mantra, ngathi, "Imali yam, ukhetho lwam," okanye "Xa ndiba nemali yam, ndiba nobomi bam." Bese uzitsho njalo njalo ekuseni njengoko ukhangela kwisibuko. "Xa sicinga ngesizathu sokuba singene ematyaleni, ngokuqhelekileyo akuxhomekekanga kuphela-ngokuqhelekileyo kuhlobene nemizwa, kwaye indlela elula yokuziva ulunge ngakumbi kukuthintana namandla onakho kwimali yezemali."
Umzi: Ukufuna ukuXhaswa kwangoku
Kulula kakhulu ukuchitha imali ngexesha lokutshiza, kunye ne -teknoloji yentlawulo yeselula njenge-ApplePay kunye ne-Android Pay yenze kube lula. Le ngxaki, kuba iphelile isithuba phakathi kokugqiba ukuthenga into kwaye xa uyihlawula. Eli xesha libalulekile - kwaye, njengoko i-Yarrow ibonisa, ayithathi loo nto. "Ukuba abantu babeza kuchitha imizuzu engaphezulu kwemihlanu ngaphambi kokuba bathenge loo nto, ndithembisa ukuba bayakusindisa imali," utsho. Ngoko thabatha loo mizuzu emihlanu, okanye iiyure ezingama-24 okanye iintsuku ezimbini.
Sitshintshe: Shiya into enqwelweni yakho, okanye engqondweni yakho, ubone ukuba usayifuna emva kokuba iwindow yakho eyabelwe. Ungazikhumbuli iinombolo zamakhadi zekrediti okanye uvumele iiwebhusayithi ukuba zigcine wena. Yaye xa usenza isigqibo sokuthenga into? Gxininisa intlungu yokulahleka ngaphezu kokuvuyela inzuzo. Kungcono, xa uthetha ukuthenga, ungene kumkhwa uguqula iindleko kwiiyure zomsebenzi kuthatha ukuba ufumane imali.
Kunye neHayden Field