Sebenzisa le bhajethi ukulawula kalula irhafu yakho, ukugcina imali kunye nobomi.
Xa kuziwa ekulawuleni iimali zakho zemali, uMark Twain usenokuba uthethe kakuhle, "Imfihlelo yokuza phambili, iyaqalisa."
Kodwa ukuqalisa kunokusongela, kunzima. Kubonakala kunzima. Uqala phi, kwaye uyigcina njani yonke into?
Iindaba ezimnandi. Akunjalo ngokwenene. Iimfihlelo eziphambili zempumelelo yezemali zilula kunye noqeqesho. Ukuseka iinjongo ezicacileyo, ukudala iinkqubo ezinokulula ukulandela iinkqubo kunye nemikhwa yokufezekisa iinjongo zakho kwaye unamathele kwisicwangciso sonyaka kunyaka kwaye unyaka uze ufike uphawu.
Uhlahlo lwabiwo-mali, ilitye lembombo lolawulo lwemali, ngumzekelo omhle. Uhlahlo lwabiwo-mali luhlala lubonwa njengeseli yejele; into enqanda inkululeko yethu ngokusikhumbuza rhoqo ngemida kwaye isenze sizive sinetyala. Okugqithisileyo, iindleko zokubeka iliso kunye nokuhlaziya rhoqo i-spreadsheet yebhajethi rhoqo xa sithenga ipakethe ye-gum ibonakala yinto yokugaya.
Kodwa, enyanisweni, uhlahlo lwabiwo-mali olwenziwe kakuhle luyintloko kwintolongo yokukhathazeka ngokwezimali. Ukuba uyazi ukuba uyisebenzisa njani imali yakho, unokwenza izigqibo ezinolwazi (kunye neenguqu) ukuqinisekisa ukuba isetyenziswe ngokufanelekileyo ukuze uhlangabezane neemfuno zakho, kwaye uqhubele phambili iinjongo zakho zexesha elide. Emva kokuba ukhangele kakuhle indlela ochitha ngayo uya kukhwankqiswa ngemali enokuyisebenzisa kwiindidi ezithile - ikhofi, i-cable ye-TV, kunye nokutya. Ukuxhotyiswe ngale nkcazelo, unokugqiba isigqibo sokuba yeyiphi iindleko zokuphelisa kunye nalapho kufuneka usebenze kanzima ukuze ufumane ibhanki yakho ngaphezulu.
(Mhlawumbi akufanele uyenze yonke i-shopping yakho kwi-Whole Foods.)
Ukuxhotyiswe ngale ngcaciso, unokubeka isicwangciso senyanga sokugcina nokusetyenziswa kwezinto ezingcono kunceda iinjongo zakho. Oko kubizwa ngokuthi uhlahlo lwabiwo-mali.
Ukuba imbono yokudala nokugcina uhlahlo lwabiwo-mali olusisiseko lwenza ukuba uhlalutye, i-TSL inkqubo yindlela enkulu yokudibanisa inzwane yakho emanzini.
Kwakungeke kube lula. Uhlala nje ulwabiwo olulandelayo lwemali engenayo.
Ipesenteji
- Imirhumo (30%) - iMaddening, kodwa inyaniso. Kumele unikezele malunga nesinye kwisithathu semali yakho engenayo ukuze uhlawule irhafu yerhulumente kunye neerhafu ezingenakubalwa zorhulumente esizihlawulayo, kubandakanywa irhafu yepropati. Ukuba isandi semali ejikelezayo phantsi kwe-drain kufuneka ikukhuthaze ukuba ukhangele indlela onokukwazi ngayo ukunciphisa irhafu yakho yentlawulo.
- Ukugcina imali (20%) - Oku kukuncinci kufuneka ulondoloze umhlalaphantsi kunye nezinye iinjongo zexesha elide, njengokuthenga indlu. Eyona nto, ininzi yale mali iya kuba kwi-401k yomqeshi-oxhaswa ngumqeshi, apho iya kukhula ikhefu ngaphandle kokuba ushiye umhlalaphantsi. Ukuba udibanise i-401k yakho kwaye awuzange ufinyelele kwi-20% yengeniso yakho epheleleyo, vula i-akhawunti ye-brokerage yangasese kwaye ugcine ucoca inhlama.
- Ubomi (50%) - Oku ngasentla kukushiya kunye nesigamu sesinye semali engenayo ukuhlawula yonke into oyifunayo kwaye uyifunayo ebomini, ukusuka kokutya kunye nendawo yokukhusela ukulungiswa kwemoto ekudleni ukutya kwiinkonzo zokunakekelwa kwabantwana kwi Starbucks kwipaki yegum. Ukuba wenza i-$ 80,000, unama-40,000 wamawaka ukuhlangabezana nazo zonke iimfuno / ezifunayo. Ukubeka inani elichanekileyo malunga nokuba unako kangakanani ukusetyenziswa kweli lizwe kunokukwenza ukuba ucinge kwakhona ngemali yakho.
Inkqubo ye-TSL ngokucacileyo i-50,000-foot steps to budgeting. Nangona ndiyibheka njengenkqubo yokuqala yokuqala, ndinabathengi bamalungiselelo bemali abahlala kweli nqanaba kwaye ndingalokothi ndiphumeze iibhajethi ezicacileyo. Aba bantu bahlala bekhuselekile ngokwezimali. Benenzuzo enkulu kwaye baphile kakuhle kwiindlela zabo. Kukho umtya omkhulu kwindawo yabo "Yokuphila".
Abaninzi baseMelika, ndiyakholwa, kufuneka bathathe ixesha kunye nomgudu wokudala ibhajethi eyongezelelweyo yenyanga. Akufuneki kube nzima. Akudingeki uchithe imizuzu engama-45 ukuphula iirisithi zakho zokuthengisa kunye nokwenza ama-engeniso angama-20 ahlukileyo. Qala ngokulandelela izinto ezinkulu - izindlu, izibonelelo, ukutya, ukuzizonwabisa, iimpahla, iindleko zeemoto, kunye nokunye. Unokongeza iindidi emva kwexesha. Uhlahlo lwabiwo-mali luya kuba luncedo ngakumbi kwaye lunamandla njengoko utyalwe nzima.
Ewe, inkqubo yohlahlo lwabiwo-mali ithatha ixesha kunye nokusebenza. Kodwa inzuzo ngokwemfuno yokunciphisa uxinzelelo kunye nokusetyenziswa kakuhle kwemali yakho kuyafaneleka.
Njengoko uWeavy Navy SEAL kunye nomcebisi wezebhizinisi uJocko Willenk uyashumayela, "Ukulungiswa kukulingana nenkululeko." Amagama aseTruer awazange athethe xa kufikelele ekulawuleni imali yakho.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.