Yakha Ubutyebi Ngokugxila Kuyo Uninzi Kangakanani-Akukho Msebenzi Owenzayo
Xa kuziwa kwintsimi yokwakha, ngokwenene kunento engaphantsi kwento oyenzayo nangaphezulu malunga nokuba ugcina kangakanani. Le nyaniso yendalo yonke ngaphandle kwanomvuzo wakho okanye inzuzo. Enyanisweni, abaninzi abahlala bezityebi bahlala phantsi yilofilosofi. Indlela ohlahloba ngayo kwaye utyalo-mali ungenza umehluko phakathi kokuphila ubomi kunye nemali eninzi kwaye uphile ubomi kunye noxinzelelo lwezezimali. Abantu abaninzi abatyebi baye bathabatha enye okanye ngaphezulu kwamanyathelo angezantsi ukuqinisekisa ukuzinza kwezemali:
1. Hlalani phantsi Ngeendlela Zakho
Kukho ilizwi elidala: "Ungalokothi ugubungele inaliti kwimitha yakho yokuchitha imitha." Zibuze ngokunyanisekileyo ukuba kutheni ucinga ukuthenga into enkulu, entsha okanye i-flashier. U lonwabo? Isimo? Ingqiqo yokuzixabisa? Ekuhambeni kwexesha, unako ukufumana ukunyaniseka ngakumbi ekugcineni imali yakho kwibhankini ukuba zonke izizathu zakho zingabonakali kwaye azixhomeki kwiimfuno zangempela. Gcina imilinganiselo yokuchitha imali enokuzithengisa nangona ufumana ukuphakanyiswa okanye ukuza ngemali.
2. Thenga i-Smart
Abantu abaphumelele ngemali baphepha ukuhlawula ixabiso elipheleleyo nantoni na. Yenza lo mqondo kwaye uhlale ukhangele iindlela ezilungileyo zokunciphisa iindleko zakho zemihla ngemihla. Abacebileyo bathengisa kwiindawo ezifana neWalmart kunye ne-Aldi ngeendleko zabo zemihla ngemihla kwaye baya kuthatha imizuzu engaphezulu kwemihlanu ukuthenga igesi engancinci kwi-Costco. Oku kuyinyaniso nangona abantu ababutyebi banquma ukugquma.
3. Ungazifaki kwiiNtshontshi zamaFancy
Kwimarike yeklasi ye Mercedes?
Ngaba ubungayikunandipha imodeli ka-2014 ngokungathi umzekelo we-2016? Qhubeka ukhumbule ukuba abahlala phantsi abacebileyo abayenawo ama-BMWs, i-Mercedes, iirandi ezingama-3,000, okanye ii-$ 5,000. Phantse ama-40 ekhulwini abo bathenga iimoto ezisetyenziswayo. Enyanisweni, abaninzi abanama-million baxhomekeke ekuchithweni kwabo . Abaninzi abahlala phantsi abo bobabini bezityebi kunye nemihlali yokuqhuba imoto njengama-Toyotas alula ukugcina nokulula kwigesi.
4. Ukuhlawula i-Mortgage yakho
Kukho iindlela ezininzi onokuhlawula imali yakho . Zama ukuyihlawula ngokupheleleyo ngaphandle kokungena kwi-fund yakho yomhlalaphantsi. Ukuba awukwazi ukuyihlawula ngokupheleleyo ngokukhawuleza, yenza iintlawulo ezinkulu ze-100-300 nganye ngenyanga. Ezi ntlawulo ezincinci zinokugcoba ilishumi elipheleleyo kwi-mortgage yeminyaka engama-30. Abahlali abacebileyo nabanonophelo bathabathe umhlalaphantsi ngaphandle kwemali mboleko okanye ubuncinane bayazi ukuba baya kuhlawula phantsi kweminyaka emihlanu. Ngokutsho kophando oluvela kuwe Unokuthi uthathe umhlalaphantsi ngokukhawuleza kunokuba Ucinga, ixabiso eliqhelekileyo lezindlu zokuhlala ezifudumeleyo zifunyenwe ezingama-355,000 zamawaka, zibonisa ukuba awudingi indlu yokuzonwabisa.
5. Gcina ukuphakamisa kwakho
Ngelixa uzama ukuchitha imali eyongezelelweyo kwiholide okanye imoto entsha, kunoko cinga ukulondoloza ubuncinane isiqingatha sokuhlawula irhafu okanye ukubeka kwi-akhawunti yakho yomhlalaphantsi okanye i-akhawunti yomrhweba. Kuya kuhlanganiswa ukubuyela okukhulu emva koko. Ababutyebi babona bephakamisa njengamathuba okwandisa ubutyebi babo bonke kunokuba bafumane imali ethe xaxa.
6. Gwema umlingo
Yishiye amakhadi akho ekhredithi kunye ne-wad ye cash kwi-dresser xa uhamba ukuyothenga kwaye unamathele eluhlu. Ukunciphisa ukhetho lwakho kugwenxa ukuthenga iimvakalelo kunye nokusetyenziswa kwexesha elingaphezulu. Eli qhinga liyincedo ngakumbi xa uya kwi-mall okanye i-Costco.
Ibali lokwenyaniso: Amandla weebhilikithi wamandla uT. Boone Pickens wenza uluhlu lokuthenga kwaye athatha imali eyaneleyo yokuthenga oko kuluhlu. Utywala i-junk yakho. Gcwalisisa i-basement, igaraji kunye nesixhobo sokulahla. Thengisa into ongayidingiyo okanye ukuyisebenzisa. Ukuthengiswa kweeYard kuqhuma. Kodwa ukuba akuyiyo indebe yakho yeeyi, nikela i-clutter yakho kwi-charity kwaye uthathe i-nice tax-off-off.
7. Utyalo lwexesha elide
Ukufumana izicwangciso ezizityebi akusinakukunceda uqokelele ubutyebi obufunayo. Gxininisa ekusebenziseni nomcebisi othembekileyo onokukubonisa ngeendlela eziza kusebenza njengotyalo-mali olude. Qinisekisa ukuba udibanisa kwaye ubeke ingqalelo kwiimarike-kodwa ungaphenduli kuwo onke amalungiselelo eemarike ezenzekayo.
Okukwintsusa
Ubutyebi bobutyebi abuyinto engaqondakaliyo njengoko abantu abaninzi bacinga. Ukulungiswa kwezinto ezincinci, ukusekwa kwinjongo kunye nokucwangcisa imali kwexesha elide kunokukuhambisa isinyathelo esinye kufuphi nomhlalaphantsi ocebileyo.