Amanyathelo okuPhumela ukuPhuma kwiindawo apho ufuna ukukuba khona
Ngaba uyayifumana loo mgodi esiswini sakho xa ufumene ukuba sele usebenzisa iidola ezingamashumi amabini ezedlulileyo ukuthenga ukutya ezimbalwa kwaye i-paycheck elandelayo ayifuni kwiintsuku ezintathu? Ukuba kunjalo, awukho kuloo mkhombe wedwa. Umzabalazo wokuhlala kwi-paycheck-to-paycheck eUnited States yintlupheko. Ngokwenziwe uphando lwabadala abayi-1 000 abakhululwa yiBhanti.com ngo-2013, abangaphantsi kweyodwa kwabaseMerika banemali eyaneleyo kwi-akhawunti yabo yokugcina imali yokugubungela ubuncinane iinyanga ezintandathu zeendleko, ngokwaneleyo ukunceda ukunyanzelisa ukulahlekelwa ngumsebenzi, unyango lwezonyango okanye omnye umcimbi ongalindelekanga.
Okwangoku, ama-50% abo bahloliswe banemizuzu engaphantsi kweenyanga ezintathu kwaye i-27% ayinayo imali. Ezi zibalo zingaphaya kokuncinci.
Ukuba uGoogle, "ndingakuyeka njani ukuhlawula i-paycheck-to-paycheck?" Ukukhangela kwakho kuya kubangela ukuba kumaphepha amanqaku asitshele indlela yokuqhekeza lo mjikelezo onobungozi ukuba "angenzi" izinto ezininzi "Musa ukwenza oku. Musa ukwenza oko. Yeka oku. Yeka loo nto. "Uluhlu lweendlela zokuyeka ukuhlala kwi-paycheck-to-paycheck bubukeka bufana nale:
- Yakha uhlahlo lwabiwo-mali kwaye ungasebenzisi ngaphandle kwalo
- Sika i indleko
- Yenza imali eninzi kwaye ungayisebenzisi imali eyimali
- Ukulandelela imali yakho
Ezi zisombululo zibonakala zibala- kodwa zinguqulelo ezinzulu ezifuna ukuqwalaselwa kwangangoko, amandla amakhulu, ixesha lokucwangcisa nokuzibophezela ngokuzimisela. Le nto ingaba uluhlu olwenyisayo "lokwenzayo" kunye "nokungenzi," ngokukodwa kubantu abatsha abaneminyaka engama-20 kunye no-30 abafuna ukwenza utshintsho, kodwa abafuni ukunikela ngokupheleleyo ubomi babo njengoko beyazi.
Ngoko yintoni impendulo? Akunakho na amanyathelo athatyathwa ngabantu?
Ndandithetha ngale ngxaki kunye nomntakwabo uMat Reiner (i-Millennial ngokwakhe) kwiiveki ezimbalwa ezedlulileyo. Siyavuma ukuba utshintsho luyimfuneko ukuze ukhulule kumjikelezo wokuhlawula umrhumo wokuhlawula, kodwa loo mathathelo aphakathi afunekayo.
Waba neengcebiso ezimbalwa kunye nam eza kwenza umdehluko omkhulu kwisikhwama sakho kodwa uvumelekile ukuphila ngendlela enandiphayo. Ezi nyathelo zenzelwe ukukunceda ufike apho uhlala khona namhlanje ukuya kwindawo ofuna ukuba kuyo.
5 Izinyathelo ezilula zokuMisa i-Paycheck-to-Paycheck
1. Zihlawule. Okokuqala, qiniseka ukuba unayo i-akhawunti yokulondoloza eyenziwe. Ingena kwi-akhawunti yakho yebhanki kwi-intanethi uze usethe i-akhawunti yokugcina imali. Qinisekisa inani lokudluliswa, okungaba ngaphantsi kweedola ezingamashumi amabini ngenyanga-into yokuba ugcina ngokuzenzekelayo into ethile. Ndiyathemba ukuba uya kubona imali iqala ukwakha kwaye ibambe i-bug yokufuna ukugcina ngaphezulu ukunyusa ibhalansi. Ukuba awuyi kubamba i-bug ngokukhawuleza, oko kulungile. Inyaniso kukuba uqhubeka usindisa oko kukunyathelo elifanelekileyo kwicala elifanelekileyo.
2. Yiya kwisitolo sokutya kwiCawa. Akunakwenzeka ukuba uhambe kwivenkile ngeCawa, kodwa ingongoma apha kukukhetha olunye usuku ngeveki ukuya. Sonke sinenjongo efanelekileyo xa sisebenzela kwisitolo sokutya ukuze sibambe ukuba "into enye." Kodwa ngokuqinisekileyo loo nqanawa yobisi okanye isonka sesidlo sinomthwalo wokuthenga iinqwelo zokutya kunye neqela lezinto ezingenasiphelo. Ushiya ivenkile eyi-80 $ esikhundleni se-$ 5 oye wayenjongo- kwaye ucinge malunga nokuba i-$ 75 ingaba ihambe kangakanani xa isetyenziswe ngokuhlukileyo!
Ukugcina indawo yakho yokuthenga ukuya kwelinye ilanga ngeveki esikhundleni sexesha ezininzi ngeveki kuvumela amathuba okulondolozwa.
3. Yiya kwimivalo ngoLwesihlanu ebusuku, ubukele ibhayisikobho ngoMgqibelo ebusuku. Kubonakala ngathi sihlala sifunda amanqaku kunye neengcebiso zithuba ezithixelela ukuba singasebenzisi imali. Ngelishwa, oko akunjalo ngokwenene kuthi-kwaye ukuba sisebenza, sidinga ubusuku ukuba sibe nentlalontle kwaye siphume. Kodwa ukuba ucinga ukuphuma nje ngobusuku obubodwa kwaye uhlala ngobunye ubusuku, uya kubona okunye okulondoloziweyo. Esikhundleni sokuzama ukungachithi, uya kuphelisa. Le nyathelo elenzayo elivumela ukuba siqhubeke sihleka kodwa silondoloze okunye
4. Qeshisa i-Leaf (Nissan). Le nto ayiyiyo i-pitch yokuthengisa ukuhlawula i-Nissan Leaf, kwaye nceda ungapheli kwiivenkile. Nangona kunjalo, ukuba uzithengisa uninzi lwe-paycheck yakho kwigesi nyanga zonke, oku kungayona nto inokukhetha.
Kukho ukulondolozwa ngokukhawuleza ngokuqeshisa iLeaf kunye nabanikezela igumbi lokuphefumula iminyaka emibini. Ngenxa yokuba imoto yombane kunye nezinye zeenzuzo zerhafu zangoku, i-Leaf ingaba yinto ekhululekileyo-kwaye leyo ayinakubalwa noko uyigcina kwi-gas.
5. Yiba nomnye umntu obalaseleyo ekuxelela apho bachitha imali ... kwaye wenza okufanayo. Okweninzi lwethu, ukuphendula uxanduva lokukhuthaza. Ngokuqhelekileyo xa uxelela umntu oya kwenza into okanye xa umntu obambelele kumsebenzi othile, unako ukulandela. Oko kuphendula kubaluleke kakhulu ekusigcineni ukuchitha imali.
Ngaba ufumana uhlawulelo lokuhlawula imali? Umngeni ukuba uthathe ubuncinane amabini amanyathelo athile apha kule veki ukuze uzibeke endleleni yokutshintsha.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.