Ufumana umvuzo wezinga lokungena ngelixa uzama ukuhlawula ityala lekholeji. Unokuhlala nabantu ohlala nabo, udla iidasta kunye neengxowa zengxowa ngoba zingabizi. Awunakucinga ukuba nekhaya okanye ukuqhuba nayiphi na imoto engekho i-$ 2,000 yokubetha.
Kodwa nangona kukho ukungabikho kwemali, ungagcini amandla alo nyaka. Ii-20 zakho zixesha elifanelekileyo lokuba uzibeke kwixesha elizayo lemali.
Yilapho wena ukwakha isiseko oza kuqhubeka ngexesha lakho lama-30s, 40s, 50s nangaphezulu.
Unokwenza njani malunga nokulawula imali yakho nokuseka imichimo emihle yemali kuma-20s? Nazi izicebiso ezi-5 ongaqala ngazo namhlanje.
1. Hlala NjengaMfundi Okude Kunomfuneko
Uneminyaka eyingqayizivele apho uluntu lwamkelekile ukuqhubeka uphila njengomfundi oqhekekileyo. Zenzele ubabalo kwaye ugcine le nto iphule indlela yokuphila yabafundi nangemva kokufumana umsebenzi wokuqala kunye nokunyuswa okumbalwa.
Hlalani niphila kunye nabahlali kunye nangoko unako. Qhubekani ukupheka isidlo sakusiya ekhaya ngaphandle kokutya kwiivenkile. Gcina ugqoke iimpahla kwiindawo ezithengisayo okanye ezithengisayo. Landela izenzo ozithathileyo xa ungumfundi ngaphandle kokuhlawula ngokufanelekileyo.
2. Fumana imali eyongezelelweyo
Hustle ngexesha lakho lokuzimela. Xa usengumfundi, mhlawumbi ulungele ukuya esikolweni ngokusebenza kwithuba lesithuba semini kunye neveki.
Ngamanye amagama, ulungelelanise umsebenzi wengqesho elizeleyo ube ngumfundi onomsebenzi wesikhathi esongezelelweyo.
Ngoku ukuba usebenza, akukho sizathu ongeke uqhubeke nayo. Ukulinganisela umsebenzi wakho wesikhathi esigcwele kunye nomsebenzi wenkxaso-yenkxaso yexeshana , nokuba ngaba amahora ama-5 ukuya kwi-10 kuphela ngeveki. Oku kunokukunceda wenze inkqubela enkulu kwiinjongo zakho zemali.
3. Gxila kumsebenzi wakho
Ii-20 zakho ziyiminyaka elishumi yokuqala ukugxila ekuqhubekeni komsebenzi wakho. Nika ipesenti yakho i-110 ngelixa usebenza kwaye ucinge ngenyameko malunga nokuhamba komsebenzi.
Sebenza kwiinkampani apho unethuba elihle lokunyuka kwinqanaba. Zifuna ukudibana nabantu abalungileyo abangakwazi ukudala inethiwekhi enamandla.
Kwakulungile ukuba uthathe umvuzo omncinci xa uthetha ukuba ube kwindawo ephezulu yokukhula.
4. Qala iAkhawunti yeRetirement
Vula i- akhawunti ye-401 (k) okanye i- IRA kwaye igalele okungenani i-15 ekhulwini nganye yokuhlawula kuyo. Iakhawunti yakho yomhlala-phantsi kufuneka ithathelwe ingqalelo kunokufuna. Kufuneka uthabathe oku njengento enzulu njengoko uthatha nayiphi na enye ibhilikhi efana nerenti okanye izibonelelo. Ixesha lakho elizayo liya kukubulela.
5. UkuPhakamisa intlawulo yeMatyala
Ngokuphila njengomfundi oqhekekileyo kwaye ufumana eyongezelelweyo kwicala, unethuba lokubuyisela amatyala akho ekolishi okanye amanye amatyala .
Yiba nomsindo njengoko kunokwenzeka ngaphandle kokulimaza i-akhawunti yakho yomhlalaphantsi. Kusenokwenzeka ukuba ufanele ufumanise indlela yokutsalwa kwemali phakathi kokuhlawula amatyala, ukugcina, nokutyalomali-kodwa ungayigxothi nayiphi na yale nxalenye emithathu. Kubalulekile ekwakheni isiseko sakho semali.