Ukwenza Uninzi Lwemali Yakho Ngaphandle Koqabane
Yakha iBhajethi
Uhlahlo lwabiwo-mali luyimfuneko kunoma ubani ngaphandle kwayo imeko, kodwa kubaluleke nakakhulu xa ungatshatanga. Yonke idola oyenzayo kufuneka ibalwe, kwaye kufuneka ube nokuqonda okucacileyo apho imali leyo ihamba khona kwaye ungayinika njani imali ukuxhasa imali yakho.
Ngokufanelekileyo, kufuneka uhlale phantsi kweendlela zakho kwinyanga nganye, oku kuthetha ukuba imali ishiywe ukugcina, ukutyalomali okanye ukuhlawula ityala. Ukuba unemeko apho kuphuma imali ngaphezu kokungena, ixesha lokuba uhlalutye ibhajethi yakho ngokufanelekileyo. Oko kuthetha ukunciphisa okanye ukuphelisa nayiphi na imali engabalulekanga. Ukusebenzisa i- app yohlahlo lwabiwo - mali kungenza kube lula ukugcina iithebhu kwiindleko zakho.
Kodwa kuthekani ukuba awunayo ibhajethi? Isinyathelo sokuqala sidala enye . Indlela elula yokwenza oko kukunyusa zonke iindleko zakho, uze uzithelekise kwingeniso yakho. Uhlahlo lwabiwo-mali lufanele lube lunzulu njengoko lunokwenzeka ngaphandle kokuba lube lukhulu.
Abanye abantu bafumene luncedo ukulandelela ipenki enye xa abanye beyifumana ngokwaneleyo ukulandelela izinto ngokwemiqathango yenkcitho jikelele. Yenza oko kusebenza ngokusemandleni akho, kuba ukuba ufumene umsebenzi omningi wokugcina uhlahlo lwabiwo-mali, uya kuyeka ukuyisebenzisa kwaye akuyi kuba naluphi na uncedo.
Gcina kwiRhafu
Umhlala-phantsi wakho uhlala phantsi kumahlombe akho xa ungatshatanga.
Ngelixa kunokuba kukho enye imali eyongezelelweyo ngenkqubo yoKhuselo loLuntu , loo nto yodwa ayiyi kuba yanele. Kwaye unamathuba ongenayo ipensheni, ngoko kuya kuwe ukucwangcisa ikamva lakho. Ukuba uselula kwaye ungatshatanga, umhlala-phantsi mhlawumbi uyinto engcono kakhulu engqondweni yakho, kodwa ukuba uyalibazisa ukucwangcisa umhlalaphantsi wakho kwiminyaka embalwa ungayifumana uchitha yonke ixesha lokusebenza kwakho ngokudlala.
Isisitshixo sokugcina umhlala-phantsi kukuba sikwenze ngokuzenzekelayo ukuze ungakhathazeki ngako. Ukuba unama - 401 (k) okanye 403 (b) cwangcisa apho usebenza khona, ubhalise. Ezi zicwangciso zibekwe ukwenzela ukuba imali ithathwe ngqo kwi-paycheck ngaphambi kokuba uyibone. Ukuba ayifaki i-akhawunti yakho yasebhanki, awukwazi ukuyisebenzisa kwaye awukwazi ukulibala ukwenza idiphozithi. Akunandaba nokuba ukwazi ukugcina i-$ 20 ngeveki, into engcono kunento. Kwaye ixesha elithe xaxa imali yakho iya kukhula, bhetele uya kuba.
Ukuba awunalo isicwangciso somhlalaphantsi emsebenzini, kufuneka uqalise i-IRA. Ukuba ungathanda ukufumana ikhefu lokuhlawula irhafu, qwalasela i-IRA yeNdabuko, evumela igalelo elithathelwa irhafu. Ukuba ufanelekile kwaye unqwenela ukurhoxiswa kweerhafu ngaphandle komhlala phantsi, cinga ngeRoth IRA endaweni yoko.
Kwakhona, ngokukhawuleza uqala ukubeka imali ngaphandle, kungekudala kufuneka ukhule, kwaye uphumelele ukuba uya kuba ngumhlalaphantsi.
Yakha iNgxowa-mali yoMphathi
Enye yeengxaki zokungatshatanga kukuba ukuba ingxaki yezemali iphakanyisiwe, kukuya kuwujongisa. Ukuba ulahlekelwa ngumsebenzi wakho, oko kuthetha ukuba akukho ntlawulo kuba ungenalo iqabane okanye iqabane lomsebenzi oza kuzisa imali encinane. Yingakho kubalulekile ukuba umntu ongatshatanga abe neengxowa-mali zexakeka .
Into yokugqibela ofuna ukuyenza ngongxamiseko ijika kumakhadi-mboleko okanye uthabathe ityala elithile ukuze ufikelele kuyo. Oku kungenza izinto zibe zibi nakakhulu. Ngoko ke, ukuba unokubeka eceleni nangemali encinci kunokukunceda xa kukho into ethile. Njengoko ngokulondoloza umhlalaphantsi, indlela efanelekileyo yokudala i- fund yexakeka-mali kukukwenza inkqubo yenzekelayo.
Ngokudala isicwangciso sokulondoloza ngokuzenzekelayo ungaqala ukugcina imali ngomgudu omncinci.
Ingxowa-mali yakho yexakeka engxamisekileyo kufuneka ibe yintoni? Ukuba ungatshatanga, unokuba neendleko ezimbalwa kwaye unokufumana ngexabiso elincinci. Ngokuqhelekileyo, kunjalo, kucetyiswa ukuba uhlawule iindleko zenyanga ezintathu ukuya ezintandathu kwi-akhawunti yokulondoloza amanzi okwazi ukufikelela ngokulula xa kufika imini yokuvula imvula.
Funda Ukupheka
Uchitha imali engakanani kunyaka ngamnye ukuza kutya ? Ukuba awuzange ulibale, ndiyakubethelwa uya kumangaliswa. Khawuqwalasele oku: nokuba uchitha i-$ 10 ngosuku udla isidlo sasemini okanye udla ngaphandle kwidlo yokudlela, uchitha i-$ 3,650 ngonyaka. Ukuba uchitha umyinge wama-$ 25 ngosuku ngosuku lwakho lokutya, uphaya kwama-dollar ayi-9 000 ngonyaka! Kwaye lo ngumntu omnye. Ukuba lakho lokuhlawula ekhaya li-$ 35,000 ngonyaka ungase usebenzise i-25% yengeniso yakho ekudleni.
Kucacile ukuba, xa ungatshatanga, ukuphuma ukutya kungenzeka ukuba kube njalo. Kufuneka uchithe ixesha kunye nabahlobo kwaye mhlawumbi unokuthandana, kwaye ukuphuma ngenye yeendlela eziqhelekileyo zokuzonwabisa. Ngelishwa, le nto ingaba yinto ebalulekileyo kwi-bhajethi yakho.
Ngoko, thatha ixesha lokufunda ukupheka ukutya ekhaya. Ngomsebenzi omncinci kunye nokuthenga i-grocery shopping , ungenza ukutya kwekhwalithi yokutya kwiqhekeza leendleko. Nangona ubuya kutshintsha iintsuku ezimbini ngeveki ngezidlo eziphekwe ekhaya, ungasindisa iilidi ezimbalwa zeedola ngonyaka. Ukukhuphela iprogram yekhuphoni kwidivaysi yakho yeselula inokuyongeza kwimali oyigcinayo, ongayisebenzisa ukuxhasa imali yakho yomhlalaphantsi okanye ukwakha imali yakho yokonga.