Yaye uyakholelwa okanye awukho, nokuba ngabacebisi bezezimali abaphakanyiswe phezulu bafumana ithuba lokuhlaziya iifowuni. Ngoko sinqume ukubuza abanye abacebisi ngezezimali ababaxhalabisa kakhulu-kwaye bafumanisa indlela ababeka ngayo loo ntswelo kwindawo yabo.
Uloyiko: Kuthekani ukuba abantwana bam bangasetyenziselwa ukuphumelela ngemali?
"Ndinabantwana abane ukususela kuma-13 kuya kuma-25, kwaye ndifuna ukuqinisekisa ukuba sele beqala ukuqala," kusho uKimberlee Orth, uMcebisi wezeMfihlelo wabucala kunye ne-Ameriprise eWilmington, eDelaware. U-Valerie Newell, uSihlalo kunye noMlawuli oyiNtloko we-RiverPoint Capital Management eCincinnati, eOhio, wavakalisa ezo nkxalabo-ezixhalabisa ukuba inzala (iyafana neminyaka emininzi yeminyaka) iya kuba yingozi kakhulu ngenxa yokuba yabona ukunyaniseka kuka-2008-2009. Into endiyishumayeza amantombazana amabini [yile]: Yeka ukulondoloza kwaye uqale utyalo-mali, "utsho uNewell. "Ufanele uzive ukhululekile malunga nokutyalomali, kwaye oko kuthetha ukuzifundisa."
Squash it: "[Ekhaya] ndikhulele kuyo, asizange sithethe ngemali-nanini," u-Orth uthi. Yingakho yena nomyeni wakhe (kunye nomcebisi wezezimali) bazisa intlanganiso yezemali malunga netafula lesidlo ngeSonto ebusuku. Bathetha ngeveki edlulileyo, ozayo kunye naliphi na iindleko ezinkulu ezizayo.
Umzekelo, intombi ka-Orth ikhangele ukuthenga imoto, ngoko iqela leentsapho lixubusha ngengxowa-mali, ukufikelela kunye nokuxhaswa ngemali. "Umntwana othenga imoto ufumana ulwazi olukhawuleza, kwaye abanye abathathu bakuva kwaye bephulaphule," utsho. Enye ingcamango? U-Jane Williams, usihlalo we-Sand Hill Global Advisors ePalo Alto, eCalifornia, wabandakanyela oonyana bakhe babini ngokunika imali eyongezelelweyo kwiimali ezizicingayo zibalulekile.
Incedise ukufundisa abantwana bakhe ixabiso le dollar kunye nokuba umrhumo ungakanani ukunceda abantu.
Uloyiko: Kuthekani ukuba ndiyichitha imali yam ngokuhlala phantsi ?
UWunds uthi: "Umda wokuthatha umhlala-phantsi ngumxhala kubo bonke abantu. "Ngaba siya kuphulukana nezinto zethu?" Naliphi na ixesha esicinga ukuba angene kwi-savings ukuhlawula iindleko zexesha elifutshane (njenge-remodel okanye iholide), uyazibuza ukuba wenza oko kwingozi yakhe okanye ngendlela efanelekileyo. Uthi yinto eqhubekayo imfazwe, nangenxa yepro pro like. Kuba uMark Curtis, uMcebisi wezeMpahla kwiGreystone Consulting, naye kuPalo Alto, ukwesaba akukona kakhulu ngokuqokelela ngokwaneleyo-kodwa ukuguqula imali ibe ngumrhumo wokufumana imali oza kuhlala ixesha elide (kunye nabaxhasi bakhe). "Yintoni eyenza ndihlale ndiphapheme ebusuku? "Into enye ndiyicinga ukuba ininzi esicinga ngayo, kuquka nabacebisi, yiyo: Ingeniso yam engayifumanayo ukuba ndifuna ukuqala ukusebenza kangangoko? Ziziphi iimingeni endiza kuba nazo ukuba ndiguqulwe isimo sengqondo sokutshala imali ngokubakho kunye nokukhula kwimali engenayo. "
Squash it: "Ndiyicingisise ngokwenene kuba ndicinga ukuba ufanele unombulelo ngezinto onayo kwaye uyinyani into oyifunayo ngokwenene," kusho uWilliam.
"Kodwa oko akuthethi ukuba akukho ... .3 ekuvukeni kwamasa apho ndihlala ndiququzelele amazinyo kwaye ndikhathazeke," utsho, ekuqaphele ukuba oku kungenangqiqo ngenxa yemithombo kunye nezinto ezikhoyo. Ukulungiswa: Yenza okuthile malunga nayo, ingaba ukucamngca, ukutshekisha rhoqo kwi-savings yakho, iintlanganiso kunye nomcebisi wezezimali okanye zonke ezi ngasentla. Yazi ukuba ukukhathazeka akusoloko kuyingozi-nangona "kufuneka uyiphathe kwaye uyilawule," kusho uWilliam. "Ndizama nje ukuzikhumbuza rhoqo ukuba iinkxalabo endiziphetheyo zikuninzi ekulawuleni kwam ukulawula-kwaye ukuba ukuba ndiyinyamekele kwaye ndijonge iingcamango zam, ziya kuba phezulu," uthi. Ngokubhekiselele kuCrithtis, utshilo ukuba ukutshintsha indlela acinga ngayo ngokutsalwa kwemali yomhlala-phantsi kuye kwaba yintloko. Ukhuthaza ukuhlukanisa inqununu kwixabiso-ekuboneni ukuba nangona utyalo-mali lwakho aluzange lukhulise kwixabiso, uya kuhlala unomvuzo wokufumana imali.
Oko kunokukwenza uzive ukhuselekile.
Uloyiko: Kuthekani ukuba andinakuyihoya "ingxolo"? Siphila i-smack-dab phakathi kwe-Age Age-intsingiselo yemijelo yeendaba, umxholo kunye nedatha zihlala zikhona zethu. UC Curtis wangena kumkhwa wokuhlala ephakathi kwebusuku kwiPacific Standard Time ukuze akhangele iimakethe zase-Asia naseYurophu ngaphambi kokulala. "Ndixhala: [Ngaba] ndiyakunqumla kwizinto ezaneleyo ukuba ndivumele ukuba ndibone umfanekiso omkhulu ?," uthi, kubalulekile ukuba sonke sinootyalo- mali ukuba sigcine isigxina esigxina , kuba kususwe kwakhona , ezicacileyo iimeko-kunye nembono yokuba i-dips yexesha elifutshane ayichaphazeli umphumo wexesha elide-iba.
Squash it: Phindela emuva efonini yakho, ikhompyuter okanye umabonwakude kwixesha elithile elikhethiweyo. Ukugxininisa kwiinkxalabo zemali kunokubangela ukuba bandise, uthi uC Curtis, ngokukodwa kwimibandela enjengale: Ngaba ndiyenzela ngokwaneleyo? Ngaba ndihlala ndihlala? Ngaba ndiyilumko? Uthi: "Ulibale konke oko," utshilo. "Njalo nanini xa ndidibana, mhlawumbi xa ndivumela ukuba ingxaki yangaphandle ingene kuyo." Ngoko, zibuze: Ndingubani oyingcali? Impendulo iquka: "wena, imeko yakho, iinjongo kunye neenjongo zakho," usho. "Gcina abo bacinga ngaphambili."
Kunye neHayden Field