Iimpawu zoPhumelelo lwezeMali Nangona ukwenza izigqibo zokuphucula imeko yakho yezemali yinto enhle yokwenza naliphi na ixesha lonyaka, abantu abaninzi bakuthola kulula ekuqaleni konyaka omtsha. Kungakhathaliseki ukuba uqala nini, izinto ezisiseko zihlala zifana. Nazi izicwangciso zam ezilishumi eziphezulu zokuhamba phambili ngemali.
1. Fumana i-Pay What You Worth and Spend Less Than You Get
Kuzwakala kulula, kodwa abantu abaninzi banzima nalo mthetho wokuqala.
Qinisekisa ukuba uyazi ukuba umsebenzi wakho ufanelekile kwiimarike, ngokuqhuba uvavanyo lwezakhono zakho, umkhiqizo, imisebenzi yomsebenzi, inxaxheba kwenkampani, kunye nezinga lokuhamba, ngaphakathi nangaphandle kwenkampani, into oyenzayo. Ukuhlawulwa ngaphantsi kweedola ezili-200 ngonyaka kunokufumana impembelelo ebalulekileyo kwixesha lokusebenza kwakho.
Kungakhathaliseki ukuba uninzi kangakanani okanye uncinane kangakanani uhlawulelwa, awuyi kuze ufikelele xa uchitha ngaphezu kokuba ufumana. Ngokuqhelekileyo kulula ukuyichitha ngaphantsi kunokuba ufumane ngaphezulu, kwaye umgudu wokunciphisa izindleko kwiindawo ezininzi kunokubangela ukonga okukhulu. Akusoloko kuqukwa ukubandakanya ukuzidela okukhulu.
Izibonelelo ezihambelanayo:
Indlela yokufumana ukuhlawula imali
Iindlela ezili-101 zokugcina i-Series Series
Ukukhetha i-Best Mortgage
Gcina Imali Kwiifowuni ezide ezide
Gcina Imali Kwinqwelo Yakho Elandelayo
Enye yezifundo endithanda kakhulu: uhlahlo lwabiwo-mali. Akuyilona igama elilodwa leleta. Unokwazi njani ukuba imali yakho iya kuvela phi xa ungahlahlo mali?
Ungasetyenziselwa njani ukuchitha imali nokugcina iinjongo ukuba ungazi apho imali yakho ihamba khona? Ufuna uhlahlo lwabiwo-mali ingaba wenza amawaka okanye amakhulu amawaka eedola ngonyaka.
Izibonelelo ezihambelanayo:
Uhlahlo lwabiwo-101: Uqokelelo lweeNgxelo zeBhajethi
3. Ukuhlawula ityala leKhadi leMatyala
Inkokhelo yamatyala ekhredithi yintsimi enye yokukhusela imali.
Lezo ziqwenga zeplastiki zilula kakhulu ukuyisebenzisa, kwaye kulula ukulibala ukuba yimali yangempela esibhekene nayo xa sibabethela ukuba bahlawule ukuthenga, ezinkulu okanye ezincinci. Nangona iinqununu zethu zigqiba ukuhlawula imali ngokukhawuleza, inyaniso kukuba sihlala sisenza, kwaye siphelo sikhokhele ngakumbi izinto ngaphandle kokuba besibe sihlawule ukuba sisebenzise imali.
Izibonelelo ezihambelanayo:
Iindleko eziphezulu zokusebenzisa iikhadi zetyala
4. Ncedisa kwiSicwangciso soMhlala-phantsi
Ukuba umqeshi wakho unama-401 (k) isicwangciso kwaye ungazifaka isandla kulo, uhamba ukusuka kwelinye lezona zinto zihamba phambili kuzo. Buza umqeshi wakho ukuba unesicwangciso se-401 (k) (okanye isicwangciso esifanayo), kwaye ubhalisele namhlanje. Ukuba sele usenegalelo, zama ukunyusa isandla sakho. Ukuba umqeshi wakho akasanikeli isicwangciso somhlala-phantsi, qwalasela i-IRA.
Izixhobo ezinxulumene nazo
5. Yiba neSicwangciso soSondlo
Uyivile ngaphambili: Zihlawule kuqala! Ukuba ulinde uze udibene nazo zonke ezinye izibophelelo zakho zezimali phambi kokuba ubone okushiywe kuyo ukugcina, amathuba awunakuze ube ne-akhawunti yokulondoloza impilo okanye utyalo-mali. Sombulula ukubeka eceleni ubuncinci be-5% ukuya kwi-10% yomvuzo wakho wokulondoloza NGAPHAMBI kokuba uqale ukuhlawula iindleko zakho. Eyona nto ingcono, imali ichithwe ngokuzenzekelayo kwi-paycheck yakho kwaye ifakwe kwiakhawunti eyahlukileyo.
6. Tyala!
Ukuba uncedisa kwisicwangciso somhlala-phantsi kunye ne- akhawunti yokulondoloza kwaye unako ukulawula ukubeka imali kwezinye iimali-mali , konke kungcono.
Izibonelelo ezihambelanayo:
7. Ukwandisa iiNzuzo zakho zeNgqesho
Iingeniso zengqesho ezifana ne-401 (k) isicwangciso, i-akhawunti yokuchithwa kwemali , i- inshurensi yezokwelapha kunye ne- teeth , njl. Qinisekisa ukuba ukwandisa okwenu kwaye usebenzise amava angakugcina imali ngokunciphisa irhafu okanye iindleko ze-pocket.
Izibonelelo ezihambelanayo:
IiFactable Spending Accounts
8. Hlaziya iifayili zakho ze-inshurensi
Abantu abaninzi kakhulu bathetha ukuhlawula imali eninzi yobomi kunye nokukhubazeka kwemali- inshorensi , nokuba kungokungenelela le mibalelwano kwimali-mboleko yemoto , ukuthenga i-inshorensi yempilo yentsholongwane.
Ngakolunye uhlangothi, kubalulekile ukuba unomshuwalense okwaneleyo ukukhusela abaxhomekeke kuyo kunye nemali yakho engenayo kwimeko yokufa okanye ukukhubazeka.
Ukuqinisekisa Ubomi Bakho
ZeNtsholongwane zeMpilo
9. Hlaziya ukuthanda kwakho
Ama-70% aseMelika ayinayo intando. Ukuba unabantu abaxhomekeke kuyo, kungakhathaliseki ukuba buncinci okanye buninzi kangakanani, ufuna intando. Ukuba imeko yakho ayinzima kakhulu unokwenza ngokwakho kunye nesofthiwe njenge WillMaker kwiNolo Press. Khusela abahlobo bakho. Bhala intando.
Izibonelelo ezihambelanayo:
10. Gcina iirekhodi ezilungileyo
Ukuba awugcini iirekhodi ezilungileyo, mhlawumbi ungabanga zonke iirhafu ezivumelekileyo zentlawulo kunye neengxowa-mali. Hlela inkqubo ngoku kwaye uyisebenzise unyaka wonke. Kulula kakhulu kunokuba ufune ukufumana yonke into ngexesha lokurhafisa, ukulahlekelwa kuphela izinto ezinokusindisa imali.
Izibonelelo ezihambelanayo:
Hlaleni Hlola
Uyenza njani uluhlu olulishumi oluphezulu? Ukuba awukwenzi okungenani ezintandathu kwishumi, sombulula ukwenza uphuculo. Khetha indawo enye ngexesha kwaye ubeke umgomo wokubandakanya zonke ezilishumi kwimpilo yakho.