Ixesha lokubeka iinjongo ezinzulu. Ezi njongo ezili-10 ziya kukunceda wenze utshintsho oluhlala njalo kwaye uthathe ulawulo lwemali yakho. Enoba ukhetha ukwenza nje ezimbalwa zazo okanye ulungele ukujongana nazo zonke, ungaqala ukwenza utshintsho. Nguwe kuphela onokutshintsha kwaye kubalulekile ukuba nesicwangciso sokwenza izigqibo zakho zibambe . Thatha ixesha lokucwangcisa unyaka omtsha namhlanje.
01 Bhala ibhajethi yakho nganye ngenyanga
02 Bhala phantsi nganye iPenny oyisebenzisayo
Kufuneka wenze oku kunyaka wonke. Inyanga yokuqala, unokufuna ukubhala ngokomzimba phantsi kokuthenga kwakho okwenziwe kwincwadi enokuthwala nawe. Ngamanye amaxesha ukubhala ngokusemgangathweni kwenza ukuba uqaphele ngakumbi into oyenzayo. Ukuba unayo ifowuni efanelekileyo, kufuneka ufumane uhlelo lokusebenza lokuhlawula imali oluvumela ukuba ungene kwiintengiselwano nganye njengoko wenza. Ungayibhala kwi-akhawunti kunye necandelo ukwenzela ukuba unamathele kubhajethi yakho kwaye uqaphele ubuthathaka bakho bohlahlo lwabiwo-mali.
03 Gxila kwiBhajethi yakho nganye ngenyanga
Lo ngumnqweno onzima, kodwa njengoko ubeka ngokucacileyo uhlahlo lwabiwo-mali kwaye ululandele, kufuneka ukwazi ukunamathela kubhajethi yakho . Kufuneka uchithe ngaphantsi kokufumana kwaye ubeke imali kwi-savings. Ukuba unako ukunamathela kwibhajethi yakho, uya kuba nokufikelela kwezinye iinjongo zemali. Fumana imimiselo ofuna ukuyitshintsha ukwenza oku kwenzeke.
04 Ukunciphisa amatyala akho
Yenza iinjongo ezithile malunga nokuba unetyala elingakanani elifuna ukulikhupha kulo nyaka. Ukuba kunokwenzeka, kufuneka uzame ukukhutshwa ngokupheleleyo kwetyala, kodwa kuxhomekeke kwingeniso yakho kunye nemali yetyala okwangoku unako ukuyenza. Kufuneka ubeke umgomo onokufezekisa, kodwa omnye uya kuwugcina uqaphele ukufikelela. Beka inani lenani elongezelelweyo ofuna ukuyifaka kwi-matyala inyanga nganye, uze usebenze ukuyifinyelela. Ukuba ulandela isicwangciso senkokhelo sentlawulo , uya kukhawulezisa ukuba unokuhlawula ngokukhawuleza ityala lakho.
05 Musa ukuKongeza nayiphi na amatyala amaninzi kulo nyaka
Le njongo ibalulekileyo xa uzimisele ngokuphuma kwetyala. Enye into ongayenza kule njongo kukuba ulungele ukuthenga ikhaya elitsha. Oku kuthetha ukuba kufuneka uyeke ukusebenzisa amakhadi akho ekwereta . Kufuneka uzame ukufumana imoto yakho yangoku okanye ugcine imali ngemoto entsha. Ukuba unokuzibophezela ukuba awuyi kuphinda ubolekise imali, ngoko unako ukucwangcisa phambili ekuthengeni okukhulu, kwaye wenze ngokwenene udoti kwisixa sakho setyala.
06 Londoloza iNgxowa-mali eNgxamisekileyo
Ubungakanani besikhwama sakho esingxamisekileyo luxhomekeke kwimeko yakho yangoku. Ukuba usaphuma kwi-matyala, kufuneka ube ne-fund yangaphantsi yesikhwama esingxamisekileyo uze uhlawule ityala lakho. Kufuneka ugcine ngokukhawuleza phakathi kwe-$ 1,000.00 kunye nengeniso yenyanga enye. Ukuba umsebenzi wakho uphezulu okanye umlinganiselo owenza utshintsho, inyanga enye yeendleko ziya kukunceda ukusingatha iinyanga ezipholileyo. Ukuba ungaphandle kwetyala, sebenzela ukugcina imali phakathi kweenyanga ezintandathu ukuya kunyaka kweendleko zakho.
07 Qala Ukugcina Umhlalaphansi
Ukuba usebenza kwenkampani, kufuneka unikezele kwixabiso eliya kuqhathaniswa nekhampani uze uhlawule ityala. Xa ungekho matyala, kufuneka uqale ukufaka inxaxheba malunga neepesenti ezilishumi elinesihlanu zomvuzo wakho. Imali oyifumana kumdlalo womqeshi iya kubalelwa kuma-15 ekhulwini. Ngaphandle koko, kufuneka ube negalelo malunga neepesenti ezintlanu de ube uhlalelwe ityala (ungabali imali yakho). Oku kukuvumela ukuba uqale ukwakha ukugcinwa kwakho komhlalaphantsi, ngelixa ukhulula imali ukubeka ityala. Ukuba awufanelekanga kwi-401 (k), kufuneka ube negalelo kwi-akhawunti ye-IRA.
08 Umsebenzi wakho ongcono
Kulo nyaka kufuneka wenze okuthile ukuqhubela phambili umsebenzi wakho. Ukuba uthanda umsebenzi wakho, kwaye uzibona uhlala khona kwiminyaka eyi-10 ezayo, usenokufumana into ongayenza ukuphucula ukuzinza kwakho emsebenzini kwaye uzilungiselele kwisinyathelo esilandelayo. Ukuba awuhlali uvuyo, uya kuba uncedo ngakumbi ukwenza olo tshintsho. Khangela iklasi onokuyithatha ukufumana izakhono ezongezelelweyo okanye ukulungiselela ukunyuka kwindawo ephakamileyo kwinkampani yakho.
09 Ukuseka iSicwangciso seMali esiSigxina
Isicwangciso semali eside ixesha elide siya kujongana nazo zonke iinkalo zemali yakho. Esi cwangciso sifanele sichaze ixesha eliza kuthenga ngalo indlu, xa uza kuthabatha umhlalaphantsi kunye naluphi na utshintsho lomsebenzi oceba ukuyenza. Kufuneka kwakhona kufake isicwangciso-mali kunye nesicwangciso sokwakha ubutyebi. Esi sicwangciso sinokukunceda wenze izigqibo zemali kwiminyaka embalwa ezayo, kwaye sinokuba yenye yezona zinto zinceda kakhulu. Isicwangciso semali sinokusebenza ngakumbi kunokuba nje ukubeka iinjongo zezemali ezingenasiphelo ngaphandle kokujonga umfanekiso omkhulu. Isicwangciso sakho sinokuhluka uma ungatshatanga kunokuthi utshatile, kodwa kubalulekile ukuba unokunye nokuba akunjani ukuba ubuhlobo bakho bunjani.
I-Cut Cutting in the Best Two Different Budget Categories
Le njongo onokuyenza xa uhlahlo lwabiwo-mali, okanye ukuba uqale ukusebenza ngoku ngoku. Unokukhetha ukhetho olulodwa ngenyanga nganye kunyaka ukukhangela iindlela zokugcina imali. Unokufumanisa ukuba kufuneka uqhubeke usebenza kwinqanaba elifanayo, ukuze uqhubeke nokufumana iindlela zokugcina imali ngenyanga. Ukuba unako ukutshitshisa imali yakho yenyanga enye, uya kuba nemali ethe xaxa yokubeka ezinye iinjongo zakho zezimali kunye nokulondoloza .