01 Sebenzisa i-Bargains and Benefits
Izaphulelo ezininzi ezinxulumene neminyaka ziyafumaneka, ezinjengeentsuku zokuphuhlisa kwisitolo sakho sendawo yokutya, ukunciphisa intengo kumafilimu e-matinee, kunye nexabiso elincinci kwiidlo ezininzi zokutya.
Yaye ungaba neentloni ngokucela ukufumana isaphulelo esiphezulu nangona umntu engabhengezwa. Sebenzisa ukuhleka, ukumomotheka, i-wink, kwaye uzame into enjengokuthi "Ndibubonile kakhulu ebomini bam ngo-55. + Uthe ntoni, ngaba le mizila yokuhleka iya kuzuza i-10%?"
Ukuba awuzange ube mkhulu xa ucela i-bargains, funda incwadi ethi Getting More, apho uprofesa we-Penn weStuart Diamond uxoxa ngamacandelo athile ongawasebenzisa ukuxoxisana nokuphucula okanye amaxabiso aphantsi malunga nantoni na. Andiyena umthengi-oza kuzalwa-kodwa xa ndisebenzisa oko akufundisayo kwincwadi yakhe esebenzile.
02 Yenza Uvuyiswe kunye Nesizwe
Uhlahlo lwabiwo-mali aluveli njengolonwabo, kodwa ngokuqinisekileyo imidlalo yenza. Esikhundleni sesabelo-mali, jongeni nomdlalo. Injongo: fumana iindlela ezintsha zokuchitha imali encinci kwimpahla yakho yansuku zonke.
Ukuguqula le nkqubo ibe ngumdlalo ubeka i-subconscious yakho ukuba isebenze, ngoko kuya ku soloko kube yinxalenye yakho ekukhangeleni iindlela zokugcina. Ukukhawulezisa umonakalo, zama ukugcina inkqubo yeenkalo, ubeka amanqaku amaninzi nge-dollar yokonga.
Khuthaza amalungu omndeni ukuba ajoyine indlela entsha yokucinga. Lo mdlalo unokuba nethuba elihle lokufundisa abazukulwana ukuba basebenzise imali engcono.
Ukongeza, ungasebenzisa iisayithi ze-intanethi ukufumana iinkcukacha zokuthengiswa kweentengiso kwaye njengoko abancinane bazi iikhomputha, banokukunceda!
03 Vumela iinqununu
Ivukelo kuthi yenza kube nzima ukunamathela kwisabelomali esivakalelwa njengokutya. Esikhundleni saloo, hlela imimiselo yakho yemali ngokukhetha. Ngokomzekelo, unako ukufumana ikhofi ye-Starbucks kunye negalazi ebiza kakhulu yewayini, kodwa mhlawumbi kungekho bobabini ngosuku olufanayo.
Ukuba ne-flex flex money instead of categories categories Umzekelo, unokuba ne-pool ye-$ 1,000 ukuchitha. Ukuba udinga amathayi amatsha ngenyanga leyo unokusebenzisa isahlulo. Oko kuthetha ezinye "ezongeziweyo" ngathi loo TTV entsha iya kufuneka ilinde de inyanga apho kukho i-flex flex money.
Ukuba awukwazi ukufumana indawo yokucima okanye uhlobo luni lokuhweba ukwenza uqikelelo usebenzisa i-calculator yebhajethi ye-intanethi ukujonga indlela ochitha ngayo kwaye unqume ukuba zeziphi iindawo ezingadinga ukulungiswa.
Unokuzama nokunciphisa ukuchitha imali kwiindawo zakho ezizithandayo ngokubeka imali ehleliweyo kwikhadi lesipho. Xa kungenanto ungakuvumeli ukuyilayisha kwakhona ngesixa-mali esithile.
04 Sebenzisa iiRhafu eziKhuphekileyo
Emva kokuthatha umhlalaphantsi, musa ukufumana ukufikelela okungenamkhawulo kwiimali zotyalo-mali. Imali yakho ingasetyenziswa kakhulu ngokukhawuleza ukuba uyayiphatha njengombhobho omkhulu ukudibanisa ngaphakathi kwintando.
Kunoko, misela "umvuzo wokuthatha umhlalaphantsi" ngokumisela iifomethi ngqo kwiingxowa-mali zakho kwi-akhawunti yakho yokujonga rhoqo ngenyanga okanye ngenyanga.
Ukuba imali iphuma kwi-IRA okanye enye i-akhawunti yomhlala-phantsi ityala zombini kunye neerhafu ngokuzenzekelayo igcinwe phambi kokuba ufumane isabelo sakho. Oku kuya kukugcina ungasemva kweerhafu.
Le nkqubo yokuthatha isabelo rhoqo ibizwa ngokuba yindlela yokurhoxiswa ngokuchanekileyo . Uninzi lweemali, uxhaso lwee-brokerage okanye abacebisi ngezezimali baya kunika le nkonzo yokuzenzekelayo. Ukusebenzisa ukurhoxiswa ngokuchanekileyo kunika i-paycheck ehambelanayo kwaye kunceda ukunqanda ukudluliselwa kwemali.
05 Cinga ngezinye iindlela zezindlu
Abo bahlala nabo bacela ukunxulumana kunye nokukunceda ukuba ugcine imali. Ukuba unayo ikhaya, cinga ukuqesha igumbi ukuba ungenise imali eyongezelelweyo. Ukuba urenti, cinga ukuba ufumane umntu oqeshisayo.
Unokufumana abahlala nabo kwi-intanethi, nangokuzibuza malunga noluntu ochaphazelekayo, njengokubuza kwimibutho yonqulo, amaqela okuzithandela, kunye neendaba zoluntu, njenge-Facebook.
Unokunciphisa iindleko ngokuthengisa kwindlu ephezulu yokugcina / yard kwidolophu okanye ikhaya lepati kwindawo yokuhlala ehlalayo. Okanye mhlawumbi unako ukuhamba kwindawo apho ungaya khona ukuthenga kunye nokuzonwabisa. Abanye abantu bayeke ukuyeka ikhaya, kunokuba bahambe kunye ne-RV yokuphila enika ixabiso eliphantsi, indlela eguquguqukayo yokuphila nokuhamba.
06 Usetyenziso lwezothutho lukaRhulumente
Xa ndandiselula, andizange ndilinde ukufumana imoto. Kodwa ngaba uyayazi indlela namhlanje ukuba abatsha abafuni ukufumana ilayisenisi yabo yokuqhuba? Njengoko, unokuba wakhuliswa ngombono njengesimboli sokuzimela, kodwa kuthekani ngokuthatha indlela entsha nokucinga ngeendlela ongahamba ngaphandle kwemoto yakho?
Iimephu zeGoogle zinika indlela yokukhangela iindlela zokuthutha zoluntu kwi-intanethi. Okanye unokutshala imali kwi-smartphone (i-Apple inikeza ii-workshops zamahhala ukuze ufunde indlela yokusebenzisa ii-iPhones) kwaye usebenzisa i-smartphone ukukhwela kwiinkonzo zothutho ezintsha njenge-Uber okanye i-Lyft.
Kungasongela ukufunda iteknoloji entsha ekuqaleni, kodwa xa ufunda oko, unokufumana kukunceda ugcine imali. (Ukuba uthanda ukufunda ngevidiyo uzame ukusesha i-YouTube ye "Iingcebiso ze-iPhone kubantu abadala".)
Ngendlela eninzi yendabuko, bathetha nabamelwane ukuba babone amathuba okukhupha i-carpool okanye bafumane iimarike zendawo ekuhambeni okanye ngokuhamba ngeebhayisikili.
07 Iholide yokuNcinci
Ukuhamba akudingeki ukuba kubize. I-exchange exchange home ikuvumela ukuba ukhangele iindlela zokuthabatha izithuba ngokutshintshisa amakhaya nabantu emhlabeni wonke. Unokuba utshintshe amakhaya.
Unokuphinda ukhangele amasayithi afana neeVotationRentals okanye i-VRBO (iZindlu zokuNikwa kweZindlu) ukuze ufumane enye indawo yehotele. Ezi ndawo ze-intanethi ziphuhlise indlela echanekileyo yokuba urente amakhaya abucala. Emva kokuba uyihlolisise, unokugqiba nokuqeshisa ikhaya lakho ngale ndlela ukususela kwixesha-ukuya kwixesha.
Okanye, ukuba uvakalelwa kunene, jonga u-CouchSurfing ngenketho ehamba phambili yokuhamba, okanye i-Airbnb ukurenta okanye igumbi leveki-okanye ungenelela isivakashi sakho ukuba ufumane imali eyongezelelweyo.
08 Sebenzisa iiRhulumente zikaRhulumente kunye neeNkampani ezingenziNzuzo
Ukuba ufuna uncedo, ungaziqhenyi ukubuza. Izibonelelo zoluntu zikhona ngenxa yesizathu. Ukuba uyingxenye yoluntu, cela uncedo oluyidingayo.
Ngokomzekelo, iinkqubo zoncedo, ezinjengezo onokuzifumana kwi-Nutrition.gov, ukuvumela ukuba uthole ukutya okusemgangathweni ngamanani aphantsi. Unokufuna kwakhona ukubiza umnxeba weNgingqi yeNgingqi ekuguga ukuze ufumane into engekho inzuzo kwingingqi yakho inokunika uncedo.
Ungaphinda uzame ukutya kwiivili, okanye uzenze uphendule kwi-intanethi kwisixeko sakho njengokuthayipha kwi-injini yokusesha kwi-intanethi "isixeko sakwa-XXXX iinkonzo eziphezulu" ukuze ubone oko kuvela.
09 Hlala Uphilile
Akukho yonke idola oyisebenzisayo elinganayo. Ezinye iidola ozichithayo zingabonelela ngokutsha ngokutsha kotyalo-mali. U mzekelo? Ubulungu bokuzivocavoca kunye nezifundo zokupheka ezinempilo zingaba yi-investment best.
Ukuhlala uphilile kunokuncedisa ukunciphisa iindleko zonyango-ngezinye iimeko, kunokususa nemfuneko yokusebenzisa imimiselo eqhubekayo (rhoqo phantsi kolawulo lonyango lwakho!)
Ukugcina iindleko zakho zonyango zichitha ixesha lokufunda indlela yokuhlala uphilile kwaye ufanele. Futhi ungalibali-ezinye zeendlela ezilula zokuhlala unempilo nazo zincinci kakhulu-njengokuthatha uhambo ngalunye suku.
10 UkuLawula amatyala
Sebenzisa ngokufanelekileyo ityala. Abantu abaninzi banqabile ukuhlawula ityala ngomhlalaphantsi, oko kulungile, kodwa iintsapho ezinokubaluleka eziphezulu zingenelwa ngokugcina uhlobo olulungileyo lwetyala, njengemali yokubolekwa ekhaya okanye ifakwe umgca we-credit. Yonke ityala alibi.
Kuba abo basebekhulile umhlalaphantsi, imali yokuthenga imali ingasetyenziswa ngokufanelekileyo kwetyala. Ezi ntlobo zokuthenga imali zinegama elibi ngaphambili, kodwa ukususela ngoko imithetho iguqukile. Ukubuyiswa kwemali mboleko kungaba yinto ebonakalayo yezimali! Banika ithuba elihle. Ukuba unobulungisa ekhaya kwaye ufuna imali eyongezelelweyo, ungesabi ukubheka imali yokuthenga imali.
Yaye ukuba ufumana uninzi lwamatyala angalunganga, njengemali ephezulu yekhadi lesikredenti kunye neentlawulo zeentyala ezingenakukwazi ukuzithengela, khuluma nenkonzo yeengcebiso ngekhredithi .