Ezi Zinguqu zinokuthi zibonwe ngabancinci, kodwa ziyakwazi ukuba nefuthe elikhulu
1. Gcina iNcinci
Ngokuqinisekileyo, ukusindisa ezininzi kuya kuba kuhle. Kodwa ukugcina oko unokukwazi kunokuba ngcono. Mhlawumbi loo nto i-$ 10 ngenyanga ukuya kwibhanki ye-piggy kwikranti yekhitshi, ukubeka i-$ 25 ngaphezulu ngenyanga kwi-akhawunti yakho yokulondoloza ibhanki, okanye ukuqala igalelo lepesenti kwi-401 yakho (k).
Amancinci ashukunyiswa njengolu hlobo luchaphazela ixesha.
2. Yenza Intlawulo Engaphezulu
Kuthekani ukuba wenze enye imali yentlawulo yomhlalaphantsi ngonyaka? Okanye uhlawule umrhumo wakho wemoto ukuya kwiidola ezilikhulu eziseduze? Okunye okufutshane apha kwaye kunokuthi ityala lakho lihlawulwe iminyaka ngaphambi kokuba imoto yakho ihlawulwe kwiinyanga ngaphambi kwangaphambili.
Elinye ilizwi lokulumkisa-kunye nemali yokuthenga imali enokufuneka uyenze inkokhelo ethe xaxa ngokukhawuleza kunokuhlawula enye inyanga nganye. Ukuba uthe wongeza enye encinane ngenyanga, umboleki-mali angasifaka isicelo sokuhlawulwa kwentlawulo kwinqununu. Qhagamshelana nomboleki wakho ukuze ufumane indlela yokuhlawula eyongezelelweyo ngendlela yokuhlawulwa kwemali engaphezulu kunciphisa ibhalansi yakho enqununu.
3. Funda i-Bracket yakho
Imirhumo. Ukuba uhlawula, kufuneka ufunde indlela asebenza ngayo. Qala ngokufunda iibhanki zerhafu . Xa ukhangela i-bracket uza kubona ukuba emva kwengeniso yakho engenayo idlula umda othile, irhafu yentlawulo iya kunyuka. Emva kokukuqonda oku ungabona inzuzo yokufaka inzuzo ephakamileyo ifikelela kwi-401 (k) okanye i-IRA yeNdabuko-iminikelo echithwayo iya kukugcina imali kwizinga eliphezulu.
4. Shintshela kwi-Index Index
Ngenxa yokuba awukwazi ukubona umrhumo ochithwayo akuthethi ukuba akunandaba. Iimali zengxowa-mali zithatha imali ngaphambi kokuba zinike isabelo sakho sembuyekezo yentlawulo. Kuye kwafakazelwa ukuba enye yezona ndlela ezilungileyo zokufumana imali engcono kakhulu yokubambisana imali kukutshintshela kwiimali eziphantsi kweemali-eziqhelekileyo zithetha ukusebenzisa i-index index.
Njengoko iibhalansi zeakhawunti yakho zikhula lolu tshintsho olulula lunokusindisa amawaka eminyaka emva konyaka.
5. Iprojekthi
Kuya kuba nzima ukufumana indlela yakho kwihlathi elinzima ukuba kwakungekho nto. Kwakhona kunzima ukugcina umhlalaphantsi ngaphandle kokuqonda apho izenzo zakho ziza kuthatha khona. Abahlalutyi be- retrait online bakhangela indlela yakho-bayakunceda ubone indlela ukugcina imali yakho iyakhula ngayo ixesha kunye naluphi uhlobo lwemali engenayo enokufumaneka kuwe kamva. Ukuba awukaze usebenze ukuqikelela-fumana kwi-intanethi uze uyinike.
6. Funda enye incwadi yezezimali
Incwadi enye inokunika ulwazi oluza kukukhonza ixesha lokuphila. Nangona ungakuthandi ukufunda, ngokuqinisekileyo unokufumana enye incwadi? Eyona ndiza kuyincoma yi- Gap yokuziphatha , nguCarl Richards. Yincwadi enhle malunga nendlela ukuziphatha kwethu kusenza senze izigqibo ezingabonakaliyo ngemali yethu.
7. Hlela
Izinto eziphathekayo zemali zinokuziva zikhulu. Isinyathelo esilula ongasisebenzisa ukuze senze ulawulo oluthe xaxa kukufumana ulwazi lwakho lwezezimali oluhlelekile . Ndangcwaba ngetyala kwelinye ixesha ebomini bam. Andizange ndifune ukubona ukuba bekubi kangakanani-kodwa bekuphela emva kokuba ndiziphoqe ukuba ndilungiselele zonke iingxelo zekhadi zamatyala kwaye ndenze i totals ukuba ndiqale ukwenza inkqubela phambili ekuhlawuleleni izinto.
8. Thenga Ukusetyenziswa
Iimoto, ifenitshala, izambatho ... unokuhlala ufumana into oyifunayo kwaye uhlawule ngaphantsi ngokuthenga. Ukuba ungena kumkhwa wokukhangela izinto ezisetyenziswayo kuqala ungagcina amakhulu, ngamanye amawaka, unyaka omnye.
9. Khangela into
Uninzi lwawo luhlobo oluthile lokuhlawulwa ngokukhawuleza oluphuma kwi-akhawunti yakho yasebhanki okanye uhlawuliswa kwikhadi lakho lekhredithi-kwaye yinto into ongayisebenzisiyo. Ingaba ngumrhumo wamaphephancwadi, umrhumo wonyaka wokuhlaziya ubulungu, okanye into oyibhalisele ngengozi. Gweba izitatimenti zakho kwaye ubeke eceleni ixesha eliza kuthatha ukucima ezo zinto ongazisebenzisiyo.
10. Vala iThavishini yezeMali
Omnye umthengi wandixelela ukuba enye yezinto ayeyithandayo ngokusebenza nomcebisi wezemali kukuba akazange abukele iTV yezemali.
Wafumana ubomi bukhulu kakhulu xa eqonda loo nto. Wonke umntu unokufumana inzuzo ekukhutshweni kwembonakaliso yempuphu yemali. Beka icebo elide elide elide endaweni kwaye ujonge izinto eziza kukuhleka-kungekhona izinto eziza kukugxina nje.