Funda iziSeko zokwenza uhlahlo lwabiwo-mali oluSebenza kuwe
Kungenxa yokuba abaninzi bethu baphatha iibhajethi ngokubanzi njengoluhlu lwezinqweno (indlela esinokuyisebenzisa ngayo imali yethu, kwihlabathi eligqibeleleyo) kunokuba izikhokelo ezisisiseko (indlela esifuna ukuyisebenzisa ngayo imali yethu ukuhlangabezana neenjongo zethu zemali).
Ukwenza uhlahlo lwabiwo-mali olusebenzayo kwaye luvumela ukuba uhlale ubomi obukhululekile kwaye obonwabileyo, kufuneka usebenze ngokuqinileyo kwizinto ochithayo njengamanje, oko unokukwazi ukuchitha, kunye nezinto eziphambili.
Enoba unenkathazo yokunamathela kwisabelomali okanye awuzange ukwazi ukudala enye, nantsi isicatshulwa esilula, ngesinyathelo-nenyathelo ukukunceda ukuba wenze uhlahlo lwabiwo-mali oya kukwazi ukulandela.
Fumana iNkqubo oya kuyanceda
Ukuba uthanda ukulandelela yonke into ukuze ubone apho imali yakho ihamba khona, setha ispredishithi kwi-Excel uze usebenzise amafomula ukuze ungabi nako ukudibanisa izinto ngesandla. Yenza iphuzu lokuqokelela iirisithi kunye neebhilikhi ekupheleni kosuku (okanye ngeveki) ukuhlaziya amanani akho.
Ukuba ukhetha ukubeka esweni imali yakho ngaphandle kokutyalwa itoni yexesha, sebenzisa isayithi efana ne-Mint.com , ekuvumela ukuba udibanise i-akhawunti yakho yasebhanki kunye namakhadi e-credit card, ukuze ukuthengiswa kwakho kwansuku zonke kuhlanjululwe ngokuzenzekelayo kwiiklasi zebhajethi ezandulelayo. Uyabona ngokukhangela apho imali yakho ihamba ngaphandle kokulandelela yonke into.
Naluphi na uhlobo lwenkqubo oyikhethayo , qiniseka ukuba ngulowo ovakalelwa kukuba ungumsebenzisi.
Kulula ukuba ugcine nokubeka iliso, mhlawumbi uya kuba unamathela kuyo.
Bala inani lakho leNkcitho
Ingakanani imali ekhoyo ngoku? Inkokhelo yakho yokubuyisela ekhaya inetha emva kwezinto ezinjengeentlawulo kunye nokuncitshiswa kwama-401K kususwa. Faka iinkonzo zokuhlawula rhoqo, imisebenzi engezantsi, ingeniso eyongezelelweyo, njl.
Bala Intlawulo Yakho Yonke (Eyimfuneko) Iindleko
Ingakanani imali eya kwiimfuno ? Iquka iinkonzo, irente okanye i-mortgage, iintlawulo zeemoto, iindleko zonyango kunye nezinto zokutya.
Ezinye iindleko, ezifana nokuhlawulwa kwemali okanye ukuhlawulwa kwemoto, kuya kuzinziswa, oku kuthetha ukuba uhlawula umlinganiselo ofanayo ngenyanga emva kwenyanga. Abanye, njengempahla yokutya, bayatshintsha kwaye kuya kuba nzima ukubala. Nika uqikelelo olulungileyo malunga nendlela ochitha ngayo rhoqo ngenyanga, kwaye khumbula ukuba unokuhlala ulungelelanisa oku kamva. (Jonga isinyathelo # 7.)
Ukulinganisa Ukuchitha kwakho okuCacisayo
Ukwenza uhlahlo lwabiwo-mali olungayi kukukhathaza-kwaye enye enokuyilandela-kufuneka uvumeleke "imali emnandi". Ingakanani kuxhomekeke kwiimeko zakho zemali zangoku zibukeka ngathi, kunye nezinto ezikuvuyisa kakhulu.
Mhlawumbi ininzi ongayivumela yona ngoku i-Redbox yokuqashisa engancinci nganye ngeveki. Mhlawumbi unako ukubeka eceleni i-$ 50 / ngeveki ngesidlo esihle.
Qinisekisa ukuba yikuphi ukuthengwa kweengqiqo kubaluleke kakhulu kuwe kwaye ubone indlela onokuyenza ngayo indawo. Akunakukhathalela nonke ngeTV okanye izambatho, umzekelo, kodwa wenze isigqibo sokuba ufuna ukwenza indawo yokuzonwabisa kunye nokuhamba.
Musa ukulibala iindleko zoNyaka
Akuzona zonke iindleko eziqhelekileyo zindleko zenyanga .
Izinto ezifana neendleko zamanzi zonyaka kunye nokubhaliswa kweemoto zonyaka kungabikho kwi-radar yakho yenyanga, kodwa ziyakwazi ukuqikelela, ngoko kufuneka ubenzele indawo kwibhajethi yakho.
Ukuze uqiniseke ukuba awunamathengi ngeendleko ezingalindelekanga, yenza i-slot kubhajethi yakho yenyanga ngalezi zindleko. Beka eceleni kwenyanga nganye ukwenzela ukuba xa kufika i-bill yakho yekota nganye okanye yonyaka, uya kuba nemali yokuyihlawula.
Yenza indawo yokugcina imali
Njalo nyanga, kufuneka ubeke imali kwiinjongo ezintathu zokugcina imali:
- Inkxaso engxamisekileyo (iingeniso ezi-3-6 zeenyanga ngeendleko ezingalindelekanga ezifana nokugula okanye izingozi)
- Isibonelelo somhlala-phantsi (401K, IRA, njl.)
- Iinjongo zomntu (ukusindisa iholide yeholide, idiphozithi kwindlu, iifowuni zekholeji yabantwana bakho, njl.)
Qinisekisa ukuba unokukwazi kangakanani ukufaka isandla kwiinjongo nganye, kwaye ukuba kuyimfuneko, yenza ezinye zeendleko zakho eziguquguqukayo kunye neengqiqo ukuvumela ukuba ugcine ngaphezulu.
Ukulondoloza yinto eninzi abantu abayifaka kwi-burner emva emva koko bazisola endleleni. Qinisekisa kwaye wenze isicwangciso sokugcina njengengxenye yebhajethi yakho rhoqo.
Ukuphonononga kunye neTweak
Iimeko zitshintsha. Izinto eziza kuqala, sitshintsha imisebenzi, siyahamba, sinabantwana. Yenza ukuqesha kunye nazo zonke iinyanga ezimbalwa ukuhlala phantsi kunye nohlahlo lwabiwo-mali kwaye uqinisekise ukuba isebenza ngeenjongo zakho zangoku kunye nezinto ezikhoyo.
Ukuba sele ufumene iinombolo zakho ezixhunyiwe kwiprogram okanye kwiwebhsayithi, kulula ukuyidlala kunye neentlobo zakho zohlahlo lwabiwo-mali ukuze ubone apho ungakha khona igumbi elongezelelweyo okanye ubeke phambili enye into kwenye.
Khumbula, uhlahlo lwabiwo-mali lufanele lusebenzele wena, kungekho ngenye indlela.