Akunjalo, andisaboni. Emva kokuba iibini zenza iholide, iinyanga ezimbalwa zokuqala zonyaka zibona ngokugqithiseleyo ukutshatyalaliswa komtshato.
Ezi zinto zingabangela ingozi kwimpilo yemali yowesifazane. Kwaba nabasetyhini abanempahla ebalulekileyo bahlala bexhala ngemali ngexesha kunye nangemva kokuqhekeka, uthi u-Stacy Francis, i-CFP yaseNew York-based and Analyst Financial Analyst (CDFA).
UFrancis usanda kuqhuba uphando lwabafazi abangaphezu kwe-150 kwizigaba ezahlukeneyo zokuqhawula umtshato kwaye bafumanisa ukuba kulo mzekelo-njengabanye abaninzi-ukukhuseleka okulungileyo kukusesikweni. Umngeni, uchaza ukuba "abantu abathile ekuqhawuleni umtshato baya kunyanzelwa ukuba benze izigqibo ezibalulekileyo zokuphila ngaphakathi kwexesha elide." Oku kunokukhokelela ekugqibeleni ukucinga, kwaye ngokuqhelekileyo amaphutha. Ukungena ngentloko ecacileyo, ingqiqo ebonakalayo yezibonelelo zakho kunye nembono yoko ufuna ukuphuma ngaphesheya kwinqanaba. Nantsi oku kufuneka ukwenze.
Thatha i-stock of your own- and owe.
Oku kungathi kunzima, kodwa ufuna ukucatshulwa okucacileyo nokuqinisekileyo ngokuchanekileyo ukuba yiyiphi impahla kunye namatyala akho. Ukuba ucebile ulawulo lwezemali ngexesha lomtshato wakho, ukuthatha ixesha lokufumana olu lwazi lunokunceda kwakhona inqanaba lokudlala; UFrancis uthi umlingane oqhuba ibhasi unenzuzo ngaphezu komntu ongenalo.
Ngokukodwa, ufuna i-akhawunti yebhanki yakamuva kunye ne-brokerage ingxelo (kumabini omhlala phantsi kunye nee-akhawunti ezingekho phantsi komhlalaphantsi); iingxelo zomhlalaphantsi kunye neNtlalo; izenzo ze propati; ukuboleka imali, mboleko mboleko, kunye neengxelo zekhadi zekhredithi, kwakunye nezo zinye iitalato ezinjenge- 401 (k) okanye iimboleko zemali ; kunye neminyaka emithathu yokugqibela yentlawulo yerhafu ubuncinci (ezintlanu ukuya kwi sixhenxe ukuba uneshishini).
Oku akuvumelekanga ukuba onke amaxwebhu enokuziva uziwayo. Ngokutsho kukaFrancis, ngelixa i-quarters-quarters yabafazi bahlawula iibhokhwe ngokwabo okanye babelane ngomsebenzi wabo nabatshatileyo, kuphela malunga nesithathu kwisithathu baziva bekhululekile ukulawula utyalo lwabo.
Jonga ngokukhawuleza imali yakho.
Emva koko, zama ukuqonda ukuba ubuninzi bakho ubomi bube buninzi kuwe, uthi u-Lili Vasileff, i-CDFA kunye nombhali wencwadi entsha ye- Money and Divorce .
Zingaphi kwezo zindleko zichanekile, ngokuchasene nokuqonda? Ngaba ngabakho, bakhe, okanye abantwana? Kubalulekile ukufumana i-grranular apha. Ukuba wena okanye lakho neqabane lakho nishishina kwaye nihamba ngeendleko zabo (mhlawumbi ishishini liqeshe imoto yakho, okanye ihlawulwe ngokutya kunye nabathengi), ungeke ukwazi ukwenza oku, kwaye oko kunokubangela ukuhlawula ngaphezulu irhafu.
Cinga ngexesha elide.
UVasileff uthi enye yezinto ezibaluleke kakhulu ongayenza-nangaphambi kokuba uthethe ugqwetha-kukucinga malunga nesiphumo ofunayo kule nkqubo. Ubomi bubukeka njani bufana neminyaka emihlanu okanye eyi-10 phantsi komgwaqo, ukuba unokuyilungisa? Ngaba ukugcina impilo yakho yangoku ibe yinto ephambili, okanye ingabe ugxininise ngakumbi kwivakalelo? Ezi zigqibo ziya kuba luncedo ekuqhubeni izinto eziphathekayo ezilandelayo emva kokuxoxisana. Amaphesenti angama-15 amabhinqa kwisiFundo sikaFrancis ayenqwenela ukuba afikelele kwinkqubo yesivumelwano esithile. Ngokuqhelekileyo impazamo eyenziwa ngabasetyhini ilwa indlu abangenakukwazi ukuyigcina. (Ukuba ufika kule nkqubela emva nje kokuqhawula umtshato kwaye uthengise ngelo xesha, irhafu ingenza kube nzima ukufaka imali eninzi). Iingcamango zenziwa kunye ne-akhawunti ye-investment, enokuthi i-dollar ibone ixabiso elifanayo kodwa ihluke kakhulu emva kwerhafu.
Fumana uncedo lwezezimali.
Xa usenqanaba lokuqala lokuqhawula umtshato, abahlobo baya kuphuma kwimithi ukuze batyunise amagqwetha abo. Abahlobo abalungileyo baya kuguqula kwiinkonzo zabo zezimali. Uthi umzuzu uqhawule umtshato, xa uphuma umnyango kwaye igqwetha lakho lithi, liyakukushaya, "kusho uVasileff. Ngoku ke akufanele uqinisekise kuphela ukuba zonke iimpahla zithunyelwa kuwe ngokuchanekileyo, kodwa kufuneka udale ubomi obutsha bemali. Oku kuthetha ukuqikelela uhlahlo lwabiwo-mali olutsha, ukubeka iinjongo ezintsha zokulondolozwa , nokubuyisela yonke into oyifumayo njengenxalenye yokuhlala kwakho, ngokusekelwe kwiminyaka yakho kunye nokunyamezela komntu ngamnye. Yilapho uceba umcwangcisi wezemali kwi-call dial ngokukhawuleza.
Iindaba ezilungileyo kukuba, kukho ukukhanya ekupheleni komgca: Ukufundwa kukaFrancis kufumene iipesenti ezingama-59 kwabasetyhini banelisekile ngeemeko zabo zezimali ngelixa bengatshati-iipesenti ezingama-37 emva kokuqhawula kunye ne-22 ekhulwini xa bebodwa .
Kutheni kunjalo? UFrancis uyachaza: Yilapho bebenokulawula. "Kalokunokuba bebodwa, kubaluleke kakhulu kubo."