Indlela yokugwema iimpazamo ezinkulu ezibuhlungu izicwangciso zezemali
Ngona izicwangciso ezibekwe kakuhle kakhulu zihlala zihamba ngokukhawuleza kodwa akufanele zisithintele kwisicwangciso.
Enyanisweni, isicwangciso sezimali esizinzileyo sinokukwazi ukubandakanya ezininzi zobomi "kuthiwa ukuba" xa kunokwenzeka kwaye ulungele ukutshintsha.
Kungakhathaliseki ukuba kunzima kangakanani ukufezekisa ukucwangcisa kwisicwangciso sethu, kusekho izinto ezibalulekileyo esinokuzenza ukuze sigweme ukwenza amaphutha amakhulu. Nazi imimiselo embalwa yokhetho lwemali ongayichitha amashumi eminyaka uzama ukufumana:
Ukuzama Ukukhukula Ngokuphila Ngaphandle kohlahlo lwabiwo-mali
Igama elithi " uhlahlo lwabiwo-mali " ludla lukhokelela ekudakaleni kunye nokulindela okungenangqiqo. Ngoko-ke makanike inkqubo yohlahlo lwabiwo-mali igama elixhasayo-" yiplani yokuchitha imali ". Isicwangciso sokusetyenziswa komntu siqu sinika ulwazi malunga nokuba imali yethu iya kuphi kwaye kusinceda sibeke phambili izigqibo zemali. Uhlahlo lwabiwo-mali alukho nje abo bafuna ukufikelela kwimigangatho. Wonke umntu udinga isicwangciso senkcitho yakho kunye nesicwangciso sakho kufuneka sibe ngaphezu kwesicwangciso esicacileyo esicacileyo secebo elifanelekileyo - isicwangciso sakho kufuneka sihlale sibhaliwe.
Ngethamsanqa, ezi zicwangciso zenkcitho akudingeki ukuba ziphelele okanye zixakeke. Uhlahlo lwabiwo-mali luya kuba lulula okanye lunzima njengoko ufuna ukuba lube nalo. Khumbula ukuzama nokugcina imali, ukuhlawula iindleko kunye nokuhlawula ityala ngokuzenzekelayo.
Ukusebenzisa Amakhadi Eemboleko Ukuhlawula Izidingo Nezidingo
Umatyala uba ngumqobo omkhulu kumendo kwiinjongo ezibalulekileyo ezifana nomhlalaphantsi.
Izilinganiso zekhadi lokuthenga ngetyala ziyakunceda ngokukhawuleza kwaye uxinzelelo luya kuqhubeka lukhula kunye nelo matyala. Ukuba uhlala uhlawule ngokulinganisela kwikharityhulam yakho yokuthenga ngetyala (credit balance balances) ezi zigqibo zokuphila zingagqiba ukubiza amaxabiso ngamakhulu angamawaka eedola ngokuhamba kwexesha (jonga i-DebtBlaster Calculator). Ukwazi ukuba unethambeko lokuchitha ixesha xa usebenzisa iplastiki xa kuthelekiswa nokuhlawula ngemali nje esinye isizathu sokutshintsha iimpawu zekhadi lesikweletu.
Kubalulekile ukuqonda ukuba amakhadi akuyona into embi - ingakumbi ukuba unesiyalo sokubahlawula ngokupheleleyo ngenyanga. Ukuba uvumela ama-34 e-America anetyala lekhadi lokuthenga ngetyala liza kunceda ukuhlawula umvuzo wakho wekhadi lesikweletu unako ukuwasebenzisa ngokunceda ngeenzuzo ezahlukeneyo kunye nokunikezelwa kwemali.
Umthengi osemyingeni uchitha i-$ 2,630 ngonyaka ngomdla wekhadi lesikweletu. Enye indlela efanelekileyo yokunceda uqinisekise ukuba awusebenzisi amakhadi-ngetyala ngendlela engafanelekanga ukudala umgaqo weeyure ezingama-24 ngokuthengwa kwekhadi lakho lesikweletu. Njalo uzame ukuphepha ukusebenzisa iitaliti kwiimeko apho awukwazi ukuhlawula ibhalansi yakho epheleleyo kwiiyure ezingama-24. Ukuba uhlala ufumana ukuhluleka ukulandela le polisi kungase kube yithuba lokunquma loo makhadi (okanye uwafake kwi-block of ice).
Ukuwa kweNewer, Bigger, Trap Better
Nsuku zonke sineziganeko zokuthengisa kunye neengcebiso ezicashileyo ezifanelwe "into enkulu" elandelayo. Ingaba imoto entsha, i-real estate, i-gadget ye-teknoloji, iphupha ikhefu, umtshato okanye iphrojekthi yokuphucula ikhaya, kulula ukuwela kumgibe.
Ukuthenga imoto entsha ongenako ukuyithengisa ingxaki exhaphakileyo emakhaya kulo lonke ilizwe elikhululekile. Ukuze ugweme ukuwela kulo mgibe ungaya phambili kwaye usebenze nayiphi na into enokuthenga ngayo enkulu kwisicwangciso sakho sokuchitha. Musa ukugxila kwiintlawulo zenyanga. Khangela ezinye izinto eziphambili zezimali ukuze uqiniseke ukuba usemgangathweni wezezimali kwaye unokukwazi ukuthenga ngaphandle kokunciphisa ikusasa lakho lemali.
Ukuthatha kwiMali yeMali yeMali yeMali kakhulu
Iingxaki zemboleko zemali mboleko eMelika zilapha kwaye ziqikelelwa ukuba zikhule i-$ 2,726 ngeesibini.
I-$ 1.3 trillion kwisikolo semali-mboleko yemali epheleleyo eMelika ibungqina bokuba utshintsho lufunekayo kwinqanaba lomntu kunye neziko lokulawula iindleko zemfundo nokuphucula ixabiso leeklasi zeekholeji. Njengomcwangcisi wezemali, ndikhetha ukugxila kwizinto esizilawulayo. Kulixesha elide ukubuyela emva ngoku ukuba useneminyaka ibhada elwandle lolutyala lomboleko. Kodwa ukuba ucinga ngokuphishekela imizamo yezemfundo okanye unomntwana osondela kwikholejini, yenza isicwangciso semali ngaphambi kokuthatha ityala lesikweletu somfundi ukuze ukwazi ukuba ungena ntoni.
Ukungenzi okwaneleyo ukukhusela ubutyebi bakho
Xa kuziwa ekucwangciseni i-inshurensi, sivame ukuqala ngokukhusela iimoto zethu, amakhaya kunye nezinto eziphathekayo. Ngokuqhelekileyo akwazi ukuhamba ngokukhawuleza njengoko abantu abaninzi bengenayo i- umbrella , kunye nomgaqo-nkqubo onokungafihlayo ochaphazelekayo naziphi na izibophelelo ezinokuthi zigqithise imali ekhoyo rhoqo.
Kwakhona kubalulekile ukucinga malunga nezo zihlandlo eziqhelekileyo zokufa nokukhubazeka. Kungakhathaliseki ubudala okanye ukuba ungatshatanga okanye unabantwana, qiniseka ukuba unobungozi obufanelekileyo bomshuwalense wokuphila ngokuqhuba uhlalutyo olusisiseko kanye kanye emva kweminyaka emithathu. Ukuba unobungozi okanye ukugula okwenze ukuba uphelelwe umsebenzi ixesha elide, ngaba wena kunye nosapho lwakho niya kulungile?
Ukucinga Ukucwangcisa Umhlala-phantsi Kuphela Kubantu Abadala (okanye Kulixesha elide lokuCwangcisa)
Ukulinda kakhulu ukuqala ukugcina umhlala-phantsi ngumpazamo omkhulu. Ngokusoloko kunzima ukuqala imisebenzi yethu ekupheleni kwengqondo, ingakumbi xa ubomi busiphosa imingeni emininzi kuthi ukuba siyixakeke indlela esilawula ngayo imali yethu yemihla ngemihla. Ngoko mhlawumbi lixesha lokuhlaziya kwakhona ingxoxo kwaye uyibize oko ngokwenene - Usuku lwe-Independence Financial.
Ukungayikhokhisi iMali kwiMveliso yezeMali
Icandelo leenkonzo zesebe zezezimali azizange zihlale zibonakaliswe ngokucacileyo njengoko ziyimfuneko malunga neendleko zokunyuswa kwezolimo kunye nemveliso ye-inshorensi. Enyanisweni, abaninzi abantu abaqapheli nokuba ngabafundi abahlukileyo bahlawulwa njani okanye ukuba yintoni i-term fiduciary ithetha ngayo.
Abacebisi ngezezimali bangaba ngumthombo obalulekileyo wolwazi kunye nokhokelo kwinkqubo yokwakha ubutyebi. Kodwa oko akuthethi ukuba ufanele ukuhlawula ngokungafanelekileyo loo ntlawulo kuba ixabisa kakhulu kunabantu abaninzi. Ukwaziswa okuphuculweyo kwemirhumo ohlawulayo kwimveliso eyahlukeneyo yezemali kunokukunceda ugcine imali yakho eyimali enzima.
UkuPhepha kweMali
Ukuba ufuna ukulungelelanisa iinjongo zakho zobomi ezibaluleke kakhulu ngemali yakho kunye nezinye izibonelelo kufuneka uhlawule. Akudingeki ukuba ube yingqiqo yezemali omele uyenze into kwaye wenze into ethile. Kwiibinibini, ukuphepha kwezemali kunemiphumo emibi njengemali kunye neengcinezelo. Njengoko uLiz Davidson ubhala kwincwadi ethi Yintoni Umcebisi Wakho Wezezimali Akunakukuxelela , umlingane wakho wezobomi unokuba sisitha sakho semali esibi kakhulu. Ukungathethi neqabane lakho ngemicimbi yezemali kunemiqobo emininzi. Ukuba unomlingani wezezimali, unokuthetha ngeenjongo zakho zemali ngexesha leentetho zemali eziqhelekileyo. Ukuba ugibela yedwa kulolu hambo lwemali, funa ukhokelo lobuchwepheshe okanye wabelane ngeenjongo zakho nomhlobo othembekileyo okanye umqeqeshi ukuze ube nokuphendula nokukhuthaza.
Njengoko ubona, zininzi izigqibo zemali ezinokukwazi ukufumana izicwangciso zethu zomhlala-phantsi ukuba zikhuphe umkhondo kunye nokulimaza amathuba ethu okufikelela ezinye iinjongo zobomi ezibalulekileyo. Isicwangciso sezimali esibhaliweyo sisixhobo esinokukunceda ukuba ugweme iimpazamo ezinkulu.