Xa usu-20s yakho, uhamba ngeenguqu ezininzi. Uya kuphumelela kwikholejini kwaye uqale umsebenzi wakho wokuqala. Unokunyuka emsebenzini wesibini uze usebenze ngendlela ephakanyisiweyo. Ungabuyela kwisikolo sokugqwesa ukufumana isiqinisekiso seMasters. Unokutshata uze uqale intsapho. Kunzima ukubeka izinto ezibalulekileyo kule minyaka elishumi kuba abantu bathatha iindlela ezahlukeneyo zemisebenzi kunye nendlela yokuphila. Nangona kunjalo, ezi zinjongo ezinhlanu ziya kukunceda kungakhathaliseki ukuba uthatha ulwalathiso olunjani, nokuba utshatile okanye ungatshatanga. Ukuba uthatha amanyathelo kwaye ulandele isicwangciso sezemali , uya kuba kwindlela yokufumana yimpumelelo kwimali ebomini bakho.
01 Phuma kwiMatyala
Nangona ungeke ukwazi ukuhlawula yonke ibhalansi yemboleko yemfundi yakho ngexesha eli-30, kufuneka uthabathe amanyathelo afanelekileyo ukuba uphantse ukwenza oko. Unako kwakhona ukucima nayiphi na ityala lekhadi lesikweletu oye wavala esikolweni, kwaye uqale ukugcina nokucwangcisa ukuze ungadingi imali ukuhlawula imoto yakho ezayo. Xa uphatha kakuhle ityala lakho kwaye ulihlawule, livula iingcango ngamanye amanyathelo ebomini bakho, njengokuba nekhaya. Thatha ixesha ngoku ukuseta isicwangciso sokuhlawula ityala ukwenzela ukuba ungaphuma kwetyala. Ukuba unayo imali enkulu yokubolekisa imali, khangela enye yezinto ezinokukunceda ukuba unakho okanye zonke iimali-mboleko zomfundi zakho zithethelelwe . 02 Londoloza umhlalaphantsi
Ukuqala ngomsebenzi wakho wokuqala, kufuneka uqale ukugcina i-15 ekhulwini yengeniso yakho yomhlalaphantsi. Ukuba ukwenza ngomsebenzi wakho wokuqala, awuyi kuphinda ulahlekelwe yimali, kuba uqala nje ngebhajethi yakho. Ukuba ubuya esikolweni uze uyeke ukusebenza xa uhamba khona, imali kwi-akhawunti yakho yomhlalaphantsi iya kuqhubeka ikhula, kwaye unokuqala ukufaka isandla kwakhona xa ufumana isiqinisekiso semfundo yakho. Ukuseka lo mkhwa kwaye ukwenza okokuqala kuthetha ukuba awuyi kuba nexhala malunga nomhlalaphantsi, njengoko ukhula. 03 Londoloza ukuhlawula okuphantsi kwekhaya
Ukuhlawula i-home home makes it easier to qualify for mortgage. Kwakhona kukunika amandla amaninzi okuthenga ukufumana ikhaya elifanelekileyo kwindawo ohlala kuyo. Ngokuxhomekeke kwimpilo yakho yokukhetha, unokuthenga indlu yakho yokuqala kwi-20s yakho, okanye ungalinda de ube malunga no-30. Kuxhomekeke kwimeko yakho, ongatshatanga okanye ongatshatanga, kunye nokukhethwa komsebenzi. Nangona kunjalo, ukulondoloza le mali kuya kukunceda ukuba ulungele xa kufika ixesha. 04 Gxila kumsebenzi wakho
Eli lixesha elihle lokuseka umsebenzi. Thatha ixesha lokwenza uxhulumaniso oluqinileyo lwezakhono kunye nokuqwalasela zonke iinketho ezikhoyo kuwe. Ii-20 zakho zixesha elide lokuhlola iindlela ezahlukeneyo. Ukuba ungatshatanga, unokuthuthela kwizixeko ezahlukahlukeneyo ukuze uphishekele umsebenzi wakho wephupha, kwaye unokwenene ugxila ekumiseni igama elihle. Oku kunokukunceda ukuba uthathe isigqibo sokuqala ukusebenza njengomcebisi okanye u-freelancing njengoko imeko yentsapho yakho iyatshintsha kwikamva. 05 Ukuseka iiNkqubo zeMali eziMandla
Thatha ixesha okhoyo kwi-20s yakho ukuseka imikhwa emihle yemali. Oku kuthetha ukulawula kakuhle i-credit yakho kunye nokulungisa nayiphi na impazamo efana neentlawulo ezenzileyo ezenzileyo ngexesha elidlulileyo. Kuthetha ukudala nokulandela ibhajethi yakho nyanga zonke. Kwakhona kuthetha ukusekwa kweengxowa-mali ezingxamisekileyo ezinokusingatha izinto ezifana nokuqhaqhazela okanye ukugula ngokukhawuleza. Ukuba unayo le miqobo isungulwe, kuya kuba lula ukuqhubela phambili njengoko ubomi bunzima ngakumbi kubantwana, ubudlelwane okanye olunye umsebenzi ohamba phambili.