1. I-Entrepreneur
Abashishini kunye nabanini bamashishini abancinci abakucingi ngokuthatha umhlalaphantsi kwimimiselo yemveli. Babenombono wezoshishino zabo kwaye bafaka onke amandla abo kunye nezibonelelo zemali kwi shishini.
Baqiniseke ngokuqinisekileyo ukuba kuya kusebenza. Abasomashishini kufuneka balondoloze elo nqanaba lokuqinisekisa ngenkxaso kunye nokugcina indlu yabo yezezimali.
Iimpazamo ezigqithiseleyo zemali kubashishini
- Ukutshatyalaliswa kwezicwangciso zokuthatha umhlala phantsi ukuxhasa imali.
- Ukusebenzisa amatyala amaninzi.
- Ukubuyela emva kwerhafu, ingakumbi irhafu yokuqeshwa.
Funda okunye: Yintoni omele uyiqonde ngaphambi kokuchitha imali yakho engama-401k
Iingcebiso ezilungileyo kunazo zoshishino
- Gcina i-fund eyaneleyo yeengxowa-mali ngokuzimeleyo kunye nezoshishino.
- Ukusebenzisa ityala ngokuchanekileyo ukuxhaswa ukufumana okanye ukuqala-shishini kwishishini ngokuphuhlisa isicwangciso soshishino esilungileyo kunye nokuqulunqwa kweengeniso kunye neendleko. Musa ukuboleka kude kube yilapho usungile le nto.
- Yenza umrhumo kwisicwangciso somhlala ngamnye kunyaka nokuba ngaba iiligidi ezimbalwa zeedola ukuya kwi-IRA okanye i-ROTH IRA.
- Fumana i-akhawunti efanelekileyo kwaye udibane nabo ukuseta iintlawulo zeerhafu zekota.
Funda kabanzi: Imali yezeMali
2. Ukunyaniseka njengoko bahambayo
Ukuba ungumlondolozi obalaseleyo kwaye uchithe ngendlela yakho, ngoko uwela kuloluhlu.
Ngokomzekelo, ngaba uyazixhasa ngokupheleleyo i-IRA okanye i-akhawunti engama-401k ngonyaka, kwaye unako ukugcina imali ebhankini? Ngaba uye wahlala kuloo msebenzi mzuzwana? Ngaba unenzuzo yeenkampani kunye mhlawumbi umhlalaphantsi? Ukuba uwela kwisigaba esinyanisekileyo-njenge-go-goyo mhlawumbi uya kuba nako ukuhlala phantsi ngaphaya kweontanga zakho.
Kungenzeka ukuba uya kufumana umhlalaphantsi ngokuchitha kwiindlela zakho.
Iimpazamo ezinkulu zeMali
- Ukuba unolu hlobo oluhamba-njalo-oluhambayo, ngokunyanisekileyo, akukho nto eninzi ofuna ukuyilinda. Mhlawumbi ufumana indlu yakho yezezimali ngendlela.
Iingcebiso ezilungileyo
- Qalisa ukubonakala kwemali. Unokuqonda ukuba akudingeki ukuba ulondoloze kakhulu. Mhlawumbi kunokwaneleyo ukwenza izinto ezimbalwa ezonwabileyo endleleni.
3. I-Incarnate Income Income
Oogqirha, amagqwetha, i-akhawunti, oogqirha kunye nezinye izinto ezifanayo zivame ukuwela kumaqela amabini. Abanye bayi-savers ephezulu, ngakumbi njengeqela elihamba phambili-njenge-baya-phambili. Abanye benza iholo elikhulu, kwaye bahlakulele indlela yokuphila enkulu ukuze bafanisane. Ingeniso enkulu / uhlobo olukhulu lokuphila luneengxaki kumhlalaphantsi. Abazisindisi ngokwaneleyo ukuba bakwazi ukugcina indlela yabo yokuphila. Kuyothuswa kubo xa bebona ukuba kufuneka basebenze ixesha elide kunokuba balindele okanye benze utshintsho olukhulu kwimilinganiselo yabo yokuphila ukuze balondoloze ngokwaneleyo.
Iimpazamo ezinkulu zeMali
- Awuqondi ukuba xa wenza uninzi, kufuneka ulondoloze ezininzi ukuze ukwazi ukugcina indlela yokuphila kamva ebomini.
- Ukuvumela ukuba i-ego ifune izigqibo zakho zokuchitha.
- Ukusebenzisa ityala elikhulu labathengi njengemali-mboleko enkulu yemoto kunye neebhilidi zekhadi lesikweletu.
Iingcebiso ezilungileyo
- Zihlawule ngokubeka eceleni imali ezinikezelweyo yokuya kulondolozwa ngaphambi kokuba uthenge imoto ye-nicer, indlu enkulu okanye uthathe isigqibo kwisikolo sabucala.
- Qalisa isicwangciso ukuze wazi ukuba uninzi kangakanani omele ulondoloze ukugcina indlela yokuphila yakho. Ukuba awuzimisele ukuyeka indlela yakho yokuphila ngoku, qaphela ukuba uya kunyanzeliswa ukuba unciphise yonke into kamva.
- Beka imida yenyanga yokuchitha.
Funda nzulu:
I-Best PayOff yeMatyala yeeTyala zeWebhu
Yintoni ongayenza Ukuba utywala ukuchitha imali kunye nokuqokelela amatyala?
4. Ndiyazi ukuba kufuneka, kodwa
Gcina? Yintoni, kufuneka ndiyigcine? Ukuba uyayichitha ngokukhawuleza xa i-akhawunti yakho yasebhanki, nguwe. Ukuba awuyi kutshintsha iindlela zakho uzakufuna ukucwangcisa ukusebenza kuze kube yilapho uthatha uxinzelelo lwezoKhuseleko loLuntu kwi-70.
Iimpazamo ezinkulu zeMali
- Akulondolozi nto.
- Ukungenzi ucwangciso lwemali lwaluphi uhlobo.
Iingcebiso ezilungileyo
- Kuvakalelwa ukuba nemali ebhankini - ngokwenene, inene. Zama nje. Xa sele ukhona, ukuba awuyithandi ngokwenene, unokuhlala uchitha.
- Zama imali ngokukhawuleza . Enye yezona ndlela ezilungileyo zokufumana isingatha kwimali.
Funda kabanzi: Iimfihlelo ezilula zokugcina iMali engaphezulu
5. Ukwenza Ok, Ukuzonwabisa Kwindlela
Ukuba ulondoloza ezinye uze uchithe ezinye usenokuwela kweli qela. Usenokucinga ukuba 'Akukho mntu uyazi ukuba ikamva lingazisa ntoni.' Kungcono uthabathe elo hambo ngoku okanye uthenge loo khishi okanye isikebhe ... kwaye kulungile kuba unika inkxaso ekugcineni rhoqo. Kwaye maxa wambi kulungile; ngamanye amaxesha inkcitho inokuthi ikhuphe i-savings kwaye ibambe nawe emva koko.
Imali enkulu yeMali
- Ii-akhawunti ezihlawulisiweyo zeerhafu ezichithwe ngokupheleleyo njengezicwangciso ezingama-401k, kodwa zingenakho ukugcinwa kwentela emva kwexesha.
- Ukulinda kude kube yiminyaka embalwa kude nokuthatha umhlala-phantsi ukudala ukubonakala kwemali okubonisa ukuba ingeniso yakho yomhlala-phantsi ingabonakala njani.
Funda okunye: Xa ama-Akhawunti Ahlawulwa Ngerhafu angakukhathaza
Iingcebiso ezilungileyo
- Ukuqesha umcebisi wezemali. Ungakwazi ukuhamba ngokulula kwiqela elizinzileyo-njenge-bahamba ngokucwangcisa okuncinane.
- Yenza ibhalansi yokulondolozwa kwentela kunye nokulondolozwa kwentela emva kwenyanga. Xa uthatha umhlalaphantsi, ukuba yonke ingeniso yakho kufuneka iphume kwi-akhawunti ekhishwe irhafu, irhafu iya kuthatha iholo elikhulu kunokuba ungacinga.
Funda kabanzi:
UCwangciso lwezeMali ngokuCetyiswa koTyalo-mali ngokuCwangciswa koBucala - Yintoni oyifunayo