Ininzi Eyona ndlela ephumelelayo yokuhlala ekhonjiswe kwi-Paycheck kwi-Paycheck Lifestyle
1. Urhwebo njengesiqhelo ngokuqhelekileyo
Enye yeendlela ezichanekileyo zokutshatyalalisa ubutyebi bakho kukuchitha imali ephezulu kwiinkomishoni, iintlawulo, ukusabalalisa nezinye iindleko.
Njalo xa uthengisa okanye uthengisa izabelo zesitokisi , uza kuhlanganiswa kunye nale nto ayithathiyo ukwenza umonakalo wangempela. Ukuba ufanele uhlawule iikhomishini ezili-10 ekuthengeni nasekuthengiseni iilawuni, kwaye uthenge waza wathengisa iifowuni kanye ngeveki, zakho iikomishoni zodwa ziza kufika kwi-1,040 yezigidi. Ngaphandle kwipotifoliyo ye-$ 100,000, oko kuya kuhamba ngokugqithiseleyo iziphumo zakho emva kwexesha. Ukufumana ulwazi oluthe vetshe, funda i- Frictional Expenss - Intlawulo yeTyalo -mali efihliweyo .
Umonakalo uhlanganiswe xa ubamba impahla nge-broker, ibhanki, ithemba, okanye isebe lolawulo lobutyebi elikuhlawula ipesenteji echanekileyo yeempahla zakho, rhoqo u-1%, unyaka ngamnye. Hlanganisa phezulu ukuba iirhafu ozihlawulayo kwiimali zakho kunye kwaye akazi, okanye iintlawulo zokuthengisa kwiimali ezithwalayo kwaye uphumelele ngokwenene ukuzibiza imali ngonyaka. Akunakholwa ukuba kunokwenzeka? Ndiyazi isandla sokuqala kwesinye seenkampani ezilawulwayo zorhwebo ezigqithiseleyo kwihlabathi, ezihlawulisa i-1% yeempahla ngamnye ngonyaka, ize ibeke ipaki enkulu kwimali kwi-S & P 500 yemali yenkcazo kunye nokulinganisela kweendleko ze-1% ukuya kwi-1.25% (xa kuthelekiswa ukuya ngaphantsi kwe-0.10% yenkampani yoshishino njengeVanguard).
Ukuze uzuze ukubuyela ngokufanelekileyo, kufuneka uyanqobe isahlulo kuphela kunye neentlawulo zentengo, kodwa kwakhona i-2% ukuya kwi-2.25% iindleko ezithintelayo ukusuka kumzuzu wokuqala wokuvula i-akhawunti. Ukuba babeza kulungisa isigxina kwi- fund ye-hedge fund , abaninzi babo bahlawula i-2 kunye ne-20 ilungiselelo apho umxhasi ehlawula i-2% ye-asethi ngonyaka kunye ne-20% yenzuzo, kwaye kuya kuba nzima ukuba umtyalomali ukubetha i-market market.
Kuyimfihlelo kum ukuba kutheni i-press yezemali ibonge le nkampani njengokuba ikhonza abaklayenti bayo kakuhle.
2. Yakha iPhothifoliyo yeeNkampani ngeeP / E iiRatios kwiNgcaciso ye-3x njengoPhakamileyo njengeS & P 500
Ukutshabalalisa ubutyebi bakho, kufuneka uhlawule yonke into. Oko kuthetha ukuthenga izitoko ezibiza kakhulu, kumaxabiso aphezulu aphezulu njengoko kulinganiswa nomlinganiselo we - p / e , ngaphandle kwethemba lokwenene lokufumana isivuno semali ngaphezu kwexesha elide lokubuyela kwiibhondi zikaRhulumente wase-US. Akusiyo yonke into embi, nangona kunjalo, kuba uya kuba nolonwabo lwexeshana lokuba neempahla ezintle kakhulu "ezintle" ezithethwa rhoqo ngeWall Street kunye nabantu abaya kwii-cocktail.
3. Beka ii-Asset ndawonye kunye neetoni zengozi
Enye indlela enkulu yokuzilimaza kunye nethemba lokuzimela ngokwezimali kukukwakhela iqoqo leempahla kunye nezinye izinto oziqinisekisileyo ukuba zihlukeneyo kodwa, enyanisweni, zihambelane nomngcipheko oqhubekayo. Cinga ngomntu ophethe iipotifoliyo ezenziwe ngamanye inkampani-iMcDonald's, i-Wendy's, i-Starbucks, i-IHOP, i-Yum, i-Sonic, i-Ruby ngoLibini, i-Burger King, i-Paner Bread, i-California Pizza Kitchen, i-Chipotle yaseMexican Grill kunye ne-PF Chang. Emva koko, ziqhayisa kubo bonke abahlobo bakho malunga nokuba unayo izitokiselwano ezaneleyo zokuba u-Depression Depression ayinakukuthatha phantsi.
Kucacile ukuba, kule meko, ukunyuka kwamanani entengo yedwa kunokunyanzelisa inzuzo yakho. Omnye umzekelo uya kuba ngumntu ophethe ipolfoliyo ezele izitokhwe zeebhanki kunye neenkampani zomshuwalense-okanye iinkampani ze-Intanethi.
4. Yithenga kuphela iiShishini ongaziqondi
Ngubani ofuna ukuphulaphula abantu abanjengeWarren Buffett njengoko behlala bexhamla ubuchule bokuhlala ngaphakathi kwinqanaba lakho lobuchule? Ukuba umthengisi okanye abahlobo bakho bathi isitokethi senyuka kwaye uzinikezele ukulahlekelwa iifutshane zakho, zithenge. Emva koko, i-statistically inokudubula ngokufanelekileyo kwesinye sezihlandlo ezininzi ziphosa idayisi. Kuya kuba ngongenangqondo ukuthenga iinkampani ezenza iimveliso ezinokubumba njengekhofi, ukufaka uphawu lokufaka uphawu lokufaka uphawu, kunye neefisi xa unokuthenga ama-friji amashishini ezobuchwepheshe be-satellite kunye namafektri kumazwe awunakuqonda ukuba awukho.
5. Thenga ii-Shares nge-High Accruals-kunye neZithuba ezininzi zeStock
Xa abahlalutyi bekhuluma malunga nomgangatho obizwa ngokuba yimpumelelo, bahlala becebisa abatyalo-mali ukuba bathenge izabelo zeenkampani apho ukuhamba kwemali akufani nakakhulu kwimali engenayo engenayo. Kule shishini, banokuphikisa, inzuzo ifika ngendlela yokubanda, imali enzima. Pshaw! Ngubani ofuna oko? Ukutshatyalaliswa kobutyebi bwenene, zithenga kuphela iinkampani apho amanani enzuzo engenayo ahlukana ngokusesikweni kwisitatimende sokuhamba kwemali. Kulungile nangoko, khangela ulawulo kunye neendumiso ezinomthunzi kwaye ohlala ehlengahlengisa izinga lokunciphisa okanye ukucwangciswa kocwangciso lwempesheni ukulawula iziphumo ezibiweyo. Ukuze icing ephelele kwikhekhe, qinisekisa ukuba ihlawulelwa ngokupheleleyo kwii-stock cost cost and ugcine ubuncinci buncinci kwi-firm.
6. Ukuhlawula iintlawulo ezininzi kunye nezohlwayo ezinokwenzeka
Akukho nto inokukugweba kwiintlupheko ngokukhawuleza kuneentlawulo ezinkulu kunye nezohlwayo zikaRhulumente. Indlela esheshayo yokuzizisa ezi zinto kukuzifumana kwi-corner yefowuni ukwenzela ukuba uthabathe u- 401k okanye i-IRA yeNdabuko , ukuhlawula irhafu yengeniso eyayibe yinto yokuqala, kunye nesohlwayo esongezelelweyo esingu-10% ngaphezulu oko. Le ndlela isebenza ngokukodwa ekutshatyalaliswa kobutyebi kuba unako ukuhlawula i-portfolio yesithandathu okanye ezisixhenxe kwimizuzwana nje ngokugunyazisa ukuhoxiswa.
7. Ukwandisa iMatyala engekho-Deductible
Uhlobo olubi kunazo zonke-okanye ukuba unobuncwane obunokutshabalalisa, umntu unokuthi unobungakanani obuhle-yinto engekho inkokhelo ehlawulwa irhafu kwaye ithwele inzala enkulu kakhulu. Oyintloko phakathi kwezi ngetyala lekhadi lesikweletu, elinokuthi liqhube ngokukhawuleza libe liphakamileyo elinamashumi amabini anesithathu. Ukuba ufuna ngokwenene ukususa i-asethi yakho, akukho ndlela engcono yokuyenza kunokugqithisa izilinganiso kula makhadi eplastiki, ngokukodwa ngezinto ezikhawuleza zinciphisa ifenitshala engancinci kunye ne-electronics.