Uphando-oludibaniswe neendlela eziphila ixesha elide - "iqinisekisa ngokugqithiseleyo imfuno yabasetyhini ukuba bangayeki," kusho uKathy Libbe, u-Allianz Life i-Vice President of Consumer Insights.
Uyabhala: "Ngenxa yokuba awukho kuyo, akuthethi ukuba unako ukuthunyelwa kwaye ungayihoyi."
Ukuba ukhathazekile ngokukhupha umlingane wakho, nantsi iindleko zemali eziphezulu ezi-7 ozenzayo ngoku.
Qala iNcoko. Ngoku.
Ukuba ukuthetha ngemali kungekhona ngokwemvelo kuwe-okanye ukuba le nto iya kuba ngowokuqala ucela ukubandakanyeka ngakumbi kwiimali zeentsapho - ngoko uthabatha indlela yakho, uthi u-Lili Vasileff, umcwangcisi wezemali oqinisekisiweyo kunye nomlamli. Khetha umzuzu apho kungekho mntu ugxininisekile, kwaye usebenzise ulwimi olufana nelo: "Ndifuna ukukwazi ukunyamekela izinto zezimali ukuba kukho into eyenzekayo kuwe." Okanye: "Sizakhele ndawonye - kufuneka sihlanganyele kulo , wabelane ngeenkxalabo, kunye nokuxazulula iingxaki kunye kunye. "Ukuba uxoshwa okanye udibana nokumelana nokumema umntu omnye kwingxoxo-njengomcebisi wezemali, igqwetha le-estate planning, okanye umgcini-akhawunti-unokuhambisa amanzi.
Ukuseka Ubudlelwane noMcebisi Wezezimali
Ukuba wena kunye neqabane lakho ninomcebisi wezemali , kodwa awubandakanyeki kulwalamano, sekuyisikhathi sokuqala ukuya kwiintlanganiso nokujoyina ingxoxo. Oku kuyinto, ngendlela, ukuba umcebisi makamkele kwaye akhuthaze - ukuba i-asethi ithambekele ekushiya amafayili okwezimali emva kokufa komlingane ngabacebisi beengxaki bazama ukulungisa.
Ukufumana umhlaba wezezimali kungabi yinto okwazi ukuyifeza kwiseshoni enye. Kwinqanaba elisisiseko, ufuna ukuqonda oko ufumeneyo, into onayo, kunye neentlawulo zakho - ngamanye amazwi, ingeniso, i-asethi kunye namatyala. Ufuna ukwazi ukuba ezo zimpahla zityalomali namhlanje kwaye yintoni isicwangciso semali esilungiselelwe ukuqinisekisa ukuba unelungelo lokuphila kwixesha elizayo, kubandakanya inshorensi yobomi, inshorensi yonyango elide, inzuzo yengempesheni kunye nesicwangciso sokuthatha ukhuseleko lweNtlalo. Qaphela: Ukuba ungenalo ubudlelwane nomcebisi wezezimali, cela umlingane wakho akuhambe ngeempendulo kule mibuzo. Ukuba incoko iqhelekileyo okanye iimpendulo azicacanga, iiyure ezimbalwa kunye nochwepheshe zinganceda ukucacisa ukudideka.
Ziqhelanise Usuku-Usuku kunye neSicwangciso Sokuthi "Kwimeko Nje"
Emva kokuba uyayazi umfanekiso omkhulu, kufuneka uqale ukulawula imihla ngemihla-kuquka ukuhlawulwa kwebhilikhwe. Hlala phantsi kunye neqabane lakho kwaye wenze ngokubhekiselele kude ude ukhululekile nalo (akunandaba nokuba wenze le khompyutha okanye indlela endala, nangona i-elektroniki ingenza i-paper trail elula). Emva koko thabatha ukujika. Kwaye, xa kwenzeka into ethile kumntu wakho, yenza i-master document kunye nazo zonke iinkcukacha ze-akhawunti yakho: Kuphi kunye nendlela yokufikelela kuzo, kubandakanywa ipaswedi kwi-akhawunti ye-intanethi.
Oku kubaluleke ngakumbi ukuba kukho nawa ma-akhawunti kuphela kwigama lomlingane wakho! Kuloo mbhalo wenkosi, zibandakanya apho ufumane khona ukubuyiswa kwentela, ukuthanda, ukuthanda, ukuzithemba, izenzo, izihloko, ilayisenisi yakho yomtshato kunye namaphepha okukhutshwa komkhosi-konke okufuneka usebenzise izicelo.
Yakha "Kuthiwani ukuba" Uhlahlo lwabiwo-mali
Emva kokuba uqaphela ngokupheleleyo imeko yakho yezemali, kufuneka ucebise naluphi na utshintsho kwisitshixo sokuqala emva kokufa kweqabane lakho, ngenxa yokuba ingeniso yakho ingabetha kakhulu, ithi iLibbe. Uphando oluvela kwiZiko leSizwe loKhuseleko loKuhlala phantsi (I-NIRS) lubonisa ukuba abafazi bangama-80 ekhulwini amathuba okuba bangene ebuhlwempu xa behlala phantsi kunamadoda. Kwaye i-US Census Bureau ibonisa ukuba abafazi abafelokazi banokuphindwa kabili kwintlupheko kunamadoda angumhlolokazi.
Ukuqokelela lohlahlo lwabiwo-mali ndawonye , hlawulela yonke imithombo yakho yangoku engenayo-evela kwimisebenzi, ukhuseleko lwezeNtlalo, ipensheni kunye notyalo-mali kwaye ubale oko kwenzeka ntoni ukuba kufuneka uhambe wedwa.
Emva koko, yakha isitatimende esitsha sokuphuma kwemali. Ziziphi iindleko zakho zangoku - zombini eziyimfuneko kunye nokuqonda - kwaye ngaba uya kuba nenzuzo yokubaxhasa? Ukuba akunjalo, loo mali iya kuvela phi? Qinisekisa ukuba unyango lwezempilo kunye nendlu lufakwe kubalo bakho, uthi uVasileff. Zibuze: Ngaba uya kukwazi ukugcina izibonelelo zakho zezempilo? Ngaba ufanele ugcine indlu?
Hlola i-Credit yakho
Xa ulahlekelwa ngumlingane, ulahlekelwa ukukwazi ukusebenzisana ngezinto ezifana nemboleko yemoto kunye namakhadi ekwereta. Yingakho kubalulekile ukuba ugcine umlinganiselo wesikweletu sakho oqinile. Yiya kwi-creditkarma.com ukukhangela amanqaku akho ekhredithi mahhala; ukuba akukho kwiminyaka engama-700 okanye ngaphezulu, sebenze kuyo ngokuqinisekisa ukuba uhlawula zonke iindleko zakho ngexesha; ukuhlawula amakhadi akho ekredithi ukuze ungasebenzisi ngaphezulu kweepesenti ezili-10 ukuya kuma-30 ekhulwini lomda wakho wemali; musa ukusebenzisa amakhadi awunayo; kwaye ungavali ukuba awusebenzisi. Okulandelayo, iya kwi-yearcreditreport.com kwaye ukhupha ingxelo yakho yekhredithi mahhala , uqinisekise ukuba yonke inkcazelo kuyo ichanileyo kwaye ingeyakho. Ukulwa nokuphakamisa amanqaku akho okwekhredithi akulula - kodwa kunzima xa ufanele uyenze emva kokuba ulahlekelwe ngumlingane wakho.
Kunye noKelly Hultgren