Ezi zenzo ezilula zikhokelela ekuphumeleleni kweMali ePhambili
Mhlawumbi ayenzeki ngendlela ocinga ngayo. Ngokomzekelo, ukulandela imakethi yemasheya kukunceda ukuba uphumelele kwimpumelelo yemali? Emva koko, iintloko zeemakethe ze-sassy ziyavuya, akunjalo?
Bafumana iimvakalelo zakho. Cinga ngako ... uvakalelwa njani xa ubona iintloko ezifana nale:
- "I-Market Shaped for Tumble in 2018"
- "Dow Setting Best Best Year Return in Three Years"
- "6 Iimasheya ezijoliswe ukwenza ngo-2018"
Ezinye zezihloko zidala ukukhathazeka, ezinye zenza ukuba ucinge ukuba ulahlekile, kwaye abanye bakwenza ukuba uzibuze ukuba kukho indlela onokuyenza kabini imali yakho kulo nyaka! IiNtloko zenzelwe ukudala imvakalelo. Yilokho esenza sifunde ngakumbi.
Kodwa ngaba nawaphi na amanqaku awalandela ezi zihloko eziphathekayo ngeemeko zibonelela ngeengcebiso ezinokuthi zikuncede ukuphucula imeko yakho yezemali? Mhlawumbi akunjalo. Imikhwa yakho kunye nokuziphatha kwakho kuncedisa ngakumbi kwimpumelelo yakho yemali kunanoma yini enye.
Ukuba ufuna ukuphumelela ngemali ngo-2018, kukho izinyathelo zokwenene onokuzithatha. Basenokungonwabi, kodwa basebenza. Ngezantsi zizinto ezithoba, kodwa zindlela eziphumelelayo zokuqalisa ukufikelela kwiinjongo zakho zemali kulo nyaka.
1. Yenza uhlahlo lwabiwo-mali
Enye yezinto ezilula kwaye ezintle kakhulu onokuzenza ukuze ufumane ukulawulwa kweemali zakho ukuba wazi apho imali yakho iya khona. Ukwazi indlela kwaye uchitha phi na izinto ezinamandla! Ndiye ndafumana amanxeba amaninzi okuhlawula ubomi bam. Ndaya kubahamba ngempumelelo ngenxa yokuba ndibe nebhajethi kwaye ndingazibonela ngokucacileyo indawo apho ndingayinqumla khona.
Ukongezelela, ndandingenakunqweneleka ngokomzwelo kwindlela yokuphila enomdla. Ukulondoloza umhlala-phantsi kubaluleke kakhulu kum kunokuba ushayela imoto yezemidlalo ngokukhawuleza, okanye ube nekhredithi yomklami.
2. Phakamisa Imali Yakho kwi-401 yakho (k) Isicwangciso okanye i-IRA
Ingaba indawo yakho yomsebenzi inika i-401 (k) isicwangciso? Qinisekisa ukuba uncedisa ngokwaneleyo ukuba ufumane umlinganiselo opheleleyo wenkampani yomdlalo. Ukuba awunayo i-401 (k) uze uvule i-IRA. Unokwenza oku lula kwi-intanethi ngokusebenzisa iinkampani ezifana neVanguard okanye iT. Rowe Price.
Ukuba sele sele unesicwangciso sama-401 (k), yandisa iminikelo yakho. Ngoku. Nangona uyenyusa ngamaphesenti e-1, oko kuqhubela phambili kwiinjongo zakho. Kwaye ngokuzayo xa ufumana ukuphakanyiswa, qiniseka ukuba ukwandisa i-401 yakho (k) negalelo elincinane.
3. Musa ukujonga i-Stock Market
Imarike yemasheya ayiyona imidlalo yombukeli. Faka imali kwiiakhawunti zakho eziza kubaluleka kwiminyaka engama-20. Ukungaziboni okwenzekayo ngoku. Iimakethe zihamba namhlanje azihambelani neenjongo zakho zexesha elide. Ukuba ufuna umdlalo wemihla ngemihla yokuwina okanye ukulahlekelwa, khetha amagosa ambalwa emidlalo ukuba alandele.
4. Gcina bhetele kwizinto ozenzayo ngokuphila
Indlela efanelekileyo yokufumana ukhuseleko lomsebenzi kunye nokwenza imali engakumbi kukufumana kakuhle kwizinto ozenzayo. Beka ingqalelo emsebenzini. Khangela iindlela zokufaka isandla.
Yiba nguye owenza izinto. Fumana iindlela zokusebenzisana nabasebenzi bakho. Ezi zenzo zihlawula.
5. Funda indlela yokuba ngumtyalo-mali
Enye yeengcaphuno ezithandayo kwi-investing zivela kwi-economist uPaul Samuelson, owathi "Ukutshala imali kufuneka kufane nokubukeka kwipende okanye ukubukela utshani bukhula. Ukuba ufuna umnwabo ... uye eLas Vegas. "Ulungile. Khetha iifom zenkcazo ezimbalwa (iimali eziphantsi ezihlawulwayo ezinamakhulu emasheya), zibeke imali rhoqo, kwaye unike ixesha lakho lepottoliyo. Akufanele kumangaliswe xa i-marhwebo ihla. Kufuneka kulindeleke, njengesomiso. Kwaye ngelo xesha, kufuneka uqhubeke unisela utshani. Izenzo ezihambelanayo ziya kukunceda uphumelele kwimali.
6. Yeka iiMinina zamaDinari zamahhala
Iingqungquthela zamahhala zokutya eziqhelekileyo ekutyala imali zihlala zibonelelwa ngabathengisi bezezimali abaya kwenza ikhomishini ukuba uthenge imveliso yabo.
Iimveliso kunye neenkonzo ezithengiswa ngale ndlela azihlali zihlala zilungele wena. Ukuba awuqinisekanga ukuba uza kutyala ntoni, weqa isithili semini kwaye uqeshe umcwangcisi-mali kuphela- oko kuthetha umntu ongamkeli iikomishishini zokuthengisa iimveliso.
7. Gcoba iNtloko njenge "10 Iimpahla zokuthenga ngoku"
Ezi ntlobo zentloko zenza iindaba ezilungileyo, kungekhona utyalo-mali oluhle. Ukukhethwa kwe-stock akuyona indlela abantu abaninzi abaphumelela ngayo impumelelo yezemali. Izinto ezithintekayo, njengokugcina isabelo sawo wonke uhlawulelo, imiba ephezulu kunokuba uqoke i-stock.
8. Thatha uxanduva
Ukuba kungenxa kaRhulumente, abazali bakho, umphathi wakho, iqabane lakho okanye abantwana bakho, ngoko unganamandla. Iimpazamo zibangela ukuba ulahlekelwe amandla. Ngokukhawuleza xa uthatha uxanduva lwe-100 yeyona nto oyifunayo ebomini, ubuyele kwisihlalo somqhubi kwaye uza kubona iindlela zokwenza ukuba kwenzeke. Ngexesha elilandelayo uqala ukubeka ityala, yimise, kwaye ucinge "Ndingayithatha njani inxaxheba kwisiphumo?"
9. Gxininisa kwiKamva, kungekudala
Abantu abaninzi batyala imali ngokujonga emva. Bajonga iziphumo zonyaka odlulileyo kwaye bafake imali yabo kwizinto ezenze kakuhle ngonyaka odlulileyo. Nangona le ndlela iyona ndlela eyona ndlela ikhethileyo yokukhetha utyalo-mali, abanye benu baya kusenza. Indlela engcono yokutyalo-mali kukugxininisa apho ufuna ukuya kwixesha elizayo, kwaye yiyiphi isicwangciso sexesha elide esinokukufumana khona. Ukutshala imali kwiiklasi ezininzi zee-asethi, njenge-cap enkulu, i-cap, encinci, iimarike ezikhulayo, iimali ze-real estate, njl njl.
Into ebalulekileyo ngalezi zithoba zendlela yokufumana impumelelo enkulu yemali kukuba kulula kwaye nabani na onokuyenza! Akufanele uqikelele ngekamva, okanye uthathe ingozi enkulu ngemali yakho. Konke omele ukwenze kuthatha inyathelo.