Ukulindeleke ukuba unyaka-unyaka okanye i-Once-a-Decade Expenses
Ewe, ezi ndleko zingaphandle kwenkqubo yakho yesiqhelo, kwaye ingenakulinganiswa ngokungqinelana nexesha elifanelekileyo. Kodwa unako ukwenza le ngxenye ebalulekileyo yebhajethi yakho. Nantsi indlela emanyathelo amane.
Inyathelo lokuqala: Ukulandelela iMali Yakho yeMali
Abantu abaninzi abanalwazi ukuba bachitha ixesha elingakanani inyanga nganye.
Ezi phesheya zokusebenzela zebhajethi zingumhlobo wakho omhle. Baya kukunceda ukuba ulandele apho idoli ngalinye lihamba khona.
Inyathelo lesibini: Hlola iindleko zakho zonyaka
Uya kufuneka uhlawule ezinye iindleko kunye kanye okanye kabini ngonyaka - njengokuthatha iholide yakho yokuthenga, ukufumana amazinyo akho ahlambuluke kumazinyo, kwaye uhlawule irhafu yakho yepropati .
Gcina iindleko zonyaka yonke ixesha elide ngokuqikelela inani eliza kuchitha ngonyaka, kwaye uhlula ukuba ngo-12 ufumane uhlahlo lwabiwo "lwenyanga" lwaloo nto.
Umzekelo: Ukuba usebenzisa i-$ 120 ngonyaka ngemini yeKrisimesi, ibhajethi yakho yenyanga i-$ 10 ngenyanga.
Hambisa ukuba imali (kule ngxaki, i-$ 10 ngenyanga) kwi- akhawunti yokulondoloza ephawulelwe ngokukhethekileyo " izipho zeholide ." Iibhanki ezininzi zikuvumela ukuba udale "i-sub" -engxelo zokusindisa ukuba unako ukubeka uphawu lweenjongo ezithile zokulondoloza.
Ungakwazi kwakhona ukurhoxisa loo mali (kule mzekelo, i-$ 10 ngenyanga) ukusuka kwi-ATM kwaye uyigcine kwimvulophu ejoliswe kule njongo.
Nceda uqiniseke ukuba ubeka imvulophu kwindawo ephephile kwaye ungalingeka ukuba usebenzise imali kwezinye izinto.
Inyathelo lesithathu: Ukulandelela Iindleko Zakho Zama-A-Iminyaka
Iibhola ezinkulu ziphakama xa ungalindelekanga. Uzakufuna ikhompyutha entsha. Ikhaya lakho liza kufuna isidlo esitsha samanzi, i-tappet entsha kunye nophahla olutsha. Uzakufuna umatshini omtsha kunye nenye ifenitshala.
Uya kufuna ukutshintsha isetoni sakho.
Esikhundleni sokuxhaswa kwezi zinto, kutheni ungenzi "intlawulo" kuwe ngenyanga?
Bala ukuba ubuninzi bexabiso eliya kuthi liba lixesha elilodwa. Hlukanisa ngexesha lakho. Yiyo le mali omele 'uyihlawule' inyanga nganye.
Ngomzekelo: Iminyaka emine ukususela ngoku, ndifuna ukuthenga imoto eyi-$ 10,000. Oku kuthetha ukuba ndifuna ukugcina i-208 yeenyanga ngenyanga kwiinyanga ezingama-48 ezilandelayo.
Ukwenza oku, ndimisela ukutshintshwa kweenyanga ezingama-208 kwikhompyutheni yam yokujonga kwi-akhawunti yam yokugcina.
Ngokuqinisekileyo, ndisindisa ezinye iinjongo kunye ne-$ 50 ngenyanga ukuya kweholide, i-R5 25 ngenyanga ngenyanga entsha ye-washer kunye nesomisi-ngoko ke inani eliphelayo ndiyithumela kwi-akhawunti yam yokulondoloza likhulu. Kunzima ukubona ukuba yimali ekhethiweyo yinjongo.
Yingakho iibhanki ezinikezela "i-sub" -i-akhawunti ye-akhawunti iyanceda. Ukuba ibhanki yakho ayinikezi, yenza umgomo wokulondoloza nganye kwispredishithi okanye usebenzisa ithuluzi lokulandelela i-Intanethi njengeMint.com .
Isinyathelo sesine: Ukulandelela i-Yourtime-In-A-Lifetime Expenses
Uxolo, awusayi kucima i-hook. Iindleko ezinkulu kakhulu oza kuphinda uzihlawule nazo iindleko zakho zexesha elilodwa-kwi-lifetime: Ikhosi yeekholeji . Umtshato wakho.
Gcina ezi zinto ngokukulindela ukuba kuya kuba nexabiso elingakanani, kwaye ulwahlule isixa-mali ngexesha lakho.
Ngomzekelo: Ufuna ukufaka i $ 50,000 kwiindleko zeekholeji zezingane zakho. Umntwana wakho ngoku uneminyaka engama-6 ubudala. Umntwana wakho mhlawumbi uya kwiikholeji iminyaka eyi-12 ukususela ngoku, ephakathi kweenyanga ezili-144.
Iifama ezingama-50,000 ezihlulwe ngu-144 zilingana ne-$ 347, oku kuthetha ukuba kufuneka ulondoloze ubuncinane i-$ 347 ngenyanga ngenyanga yekholeji.
Kodwa khumbula: iminyaka eyi-12 ukususela ngoku, i-$ 50,000 ayiyi kuba namandla okuthenga namhlanje. Phakamisa isandla sakho ngesantya sokunyuka kwamaxabiso ukuhlawulela oku.
Ngomzekelo: Lo nyaka unika i-$ 347 ngenyanga ngenyanga yengxowa yekholeji yaseJunior. Ixabiso lemali liphuma malunga nama-3 ekhulwini ngonyaka, ngoko unyaka ozayo ukwandisa i-$ 347 nge-1.03. Isiphumo silingana ne-$ 357-ukwanda kwe-$ 10 ngenyanga.
Uchithe unyaka wesibini unika i-$ 357 ukuya kwi-college yaseJunior. Unyaka emva koko, unika i-$ 367 ngenyanga nganye (i-$ 357 yanda nge-1.03).
Unyaka olandelayo uphakamisa igalelo lakho kwi $ 378 ngenyanga.
Ngaba uzive ukhululekile, njengokuba kuninzi kakhulu ukusigcina? Zama uze uthathe izinto ngeyure elinye. Khumbula, ezininzi zezi zindleko zangexesha elide - uneminyaka yokuba uzigcinele!