IiMillennials zijongene nomfanekiso wezemali ezahlukileyo kunokuba abazali babo benza ntoni xa baqala ukuqala. Kubalulekile ukuqaphela ulwahluko kunye nokwenza utshintsho njengoko kuyimfuneko ukuze ukwazi ukwenza utshintsho ngendlela ophethe ngayo imali yakho kubazali bakho. Kubalulekile ukuba ube nesicwangciso esiqinileyo esikuyo ukwenzela ukuba unokwenza imilinganiselo yangempela kunye neemali zakho kwaye ulungele ukuthatha umhlalaphantsi xa kufika ixesha.
01 Umhlalaphantsi
Njengeemillennial, kubalulekile ukuthatha isicwangciso sakho somhlalaphantsi ngokukodwa. Ukhuseleko loluntu luya kutshintsha kwaye izixa ezinikezelwayo ziyancipha kunye nobudala bokufaneleka buya kuba ngumnyaka ngamnye. Oku kuthetha ukuba ukuba kukho ukhuseleko loluntu xa uthatha umhlalaphantsi ukuba kungabi mlinganiselo ofanayo nabazali bakho abalindele ukuba babe nenxalenye yomhlalaphantsi wabo. Isisombululo kukugcina umhlala-phantsi kwi-401 (k) kunye ne-akhawunti ye-IRA. Ukuba uceba ukuhlala phantsi phambi ko-59, uya kufuneka ugcine umhlala phantsi ngaphandle kwale akhawunti ukuze ufikelele kwimali ngaphandle kokuthatha isigwebo sokuthatha umhlalaphantsi kwangaphambili. Ukuba awuqinisekanga malunga nento oyenzayo, khuluma nomcebisi wezezimali onokukunceda utyalole imali yakho.
02 Ukusebenzisana Nemali Yakho Yomfundi
Ii-Millennials ziphumelela ngeemali eziphezulu zemali mboleko mboleko. Oku kutshintsha indlela abaphatha ngayo imali yabo. Ichaphazela yonke into ekuthengeni ikhaya kwiintlobo zeholide abanokuzithatha. Xa usuphumelele kwiikholeji, kubalulekile ukuba ujongane nemboleko yakho yomfundi ngokukhawuleza . Kukho iinkqubo ezifumanekayo ezinokukunceda uhlawule inxalenye yemboleko yakho yomfundi . Kufuneka wenze imibingelelo efunekayo ukuhlawula eli lityala ngokukhawuleza. Ukuba unako ukuphindwa kabini iintlawulo zemboleko zomfundi, uya kuba nako ukwenza ezinye izinto ofuna ukuzenza ngokukhawuleza. Ukuthatha iigigs ezizimele okanye umsebenzi wesibini kunokukunceda ufumane imali eyongezelelweyo oyifunayo ukuphuma kwetyala. 03 Ucwangciso loJo
Imarike yomsebenzi ishintshile. Abantwana boomama babesoloko beya kusebenza kwinkampani enye kwinkoliso yabo. Kwakungekho msebenzi omningi owenzayo. Ngoku, kubalulekile ukuba ukhangele imisebenzi emitsha kwiinkampani ezintsha. Ngokuqhelekileyo ukukhushulwa nokuphakama kuvela kwizikhundla zokutshintsha kunye neenkampani. Kubalulekile ukuba uphinde ulungele ukuhamba ngamaxesha onke kwaye ulungele ukufaka isicelo somsebenzi omtsha. Isicwangciso sakhono sisoloko sitshintsha, kwaye kufuneka usebenze ukuhlala phezulu ekutshintsheni ubuchwepheshe kunye nokugcina izakhono zakho zihlaziywa. Unokucinga ukuba usebenza njengonkontileka ozimeleyo okanye uya kwi shishini. 04 Ukugcina imali
Ukugcina imali kufuneka kube yinto ephambili kwiminyaka eyiwaka leminyaka. Kukho izizathu ezininzi zokugcina imali. Ingxowa-mali yongxamiseko iyimfuneko enokukunceda ngamaxesha anzima kwezoqoqosho. Inkxaso-mali engxamisekileyo exhaswa ngemali inokukunceda ukuba unqatshelwe. Inokukunceda neendleko ezingalindelekanga ezinjengezengxamiseko zonyango. Ukongezelela, ukugcina imali yokuhlawula indlu kungakunceda uthenge ikhaya elingcono kwindawo apho ujoliswa khona ukuhlala ixesha elide. Ukugcina nokuhlawula imali ukufezekisa iinjongo zakho kuya kukunceda wenze izinto oziphuphayo njengeeholide ukuya eYurophu okanye ukuvula ishishini lakho. Xa ungekho ityala usebenza ukuze ulondoloze ngokukhawuleza ukuze ukwazi ukufeza ezi njongo. 05 Yeka Ukusebenzisa Amakhadi Eetyala
Ngokuxhomekeka kumakhadi akho okwereta umkhwa omubi onokukufaka imali kwi-akhawunti yakho. Lenza okungaphezulu kunokuchaphazela amanqaku akho ekwereti. Ingathatha amathuba onokuthi unayo xa ungafuneki ukwenza izigqibo ngokubhekiselele ukuba ngaba unako ukuhlangabezana nezibophelelo zakho zenyanga. Ukuba netyala elingenanto, ngokukodwa kwintlawulo yemboleki, kuvulwa iingcango ezininzi kunye namathuba. Yeka ukusebenzisa amakhadi akho esikweletu namhlanje . Emva koko gxininisa ekuphumeni kwetyala. Ngokukhawuleza unokwenza oku ngakumbi amathuba oza kuba nawo kwixesha elizayo. Umatyala wabathengi unokungongeza ngokukhawuleza kwaye xa ukwandisa amakhadi akho , kunokuba nzima ukwenza iziphumo. 06 Master Budget yakho
Ekugqibeleni, into ebaluleke kakhulu ongayenza kukuba uthathe ulawulo ngokuqonda uhlahlo lwabiwo-mali . Uhlahlo lwabiwo-mali luyakunceda ufikelele kuzo zonke iinjongo zakho. Abantu abaninzi abanobunzima ngoku kwaye banenkxalabo malunga nokuthatha umhlala-phantsi abazange baqiniseke kakuhle imali. Kaninzi babehlala kwi-paycheck ukuhlawula kwaye babe nexesha elinzima ukujongana neendleko ezingalindelekanga. Uhlahlo lwabiwo-mali lukunika amandla okuyeka ukwenza oko. Thatha ixesha lokuba uqale uhlahlo lwabiwo-mali namhlanje.