Yintoni ebangela isilayidi? Phakathi kwezinye izinto, ukoyika:
- Ukwesaba imeko yezopolitiko.
- Uloyiko lokuba ezo zibhonkco ziye zaphakama kakhulu, kwaye ezo marike ziya kugcina zichane.
- Uloyiko lokuba, njengomtyalo- mali ngamnye , akukho nto ikhuphisana ngayo nepros.
Yongeza kubo bonke, kwaye uthetha ngokukodwa ukwesaba okukhulu: Ukwesaba ukulahlekelwa yimali.
Ingxaki kukuba, ukuba awuyi kutyalomali, ulahlekelwa yimali! Ukuba ubeka imali yakho kwi-akhawunti yokugcina ibhanki okanye i-akhawunti yemarike yemali, ufumana inzala ye-0.5; I-CD yeminyaka emi-2 inokubuyisela minyaka yonke malunga neepesenti ezingama-1.3. Ngayiphi na indlela, akwanele ukugcina intlawulo yexabiso lentengo kunye neentlawulo: Amandla okuthenga wakho omnkcenkceshi wemali aya kuba nexabiso elingaphantsi konyaka ozayo kunokuba kulo nyaka, kwaye nangaphantsi konyaka emva koko.
Yingakho oku kukho ukwesaba ukuhlawula ngokwenene. Nazi iziphakamiso ezimbalwa malunga nendlela ozoyifumana ngayo ukwesaba kwakho kwaye uqale ukubona ukubuyiswa kwangempela.
Beka imali yakho encinci, kwaye ungayiqwalasela kakhulu.
Yithi utyalomali i-$ 100, kwaye ngosuku olulandelayo ulahlekelwe i-$ 4.
Kuyinto yokwehla. Emva koko, ngosuku olulandelayo, ufumana i $ 4.30. Inzuzo yeekenti ezingama-30 ayifuni ihlawulise ukuvakalelwa kwe-$ 4 yokuqala. Yiyo into ebizwa ngokuthi "ukulahlekelwa kwelahleko," apho iingcali zezimali zokuziphatha ziye zabhalwa ukuba zibonise ukuba abantu bayakuzonda ukulahlekelwa ngakumbi kunokuba siyakujabulela ukufumana (ngokuphindwe kabini, enyanisweni.) Ngenxa yoko, kubalulekile ukukhumbula ukuba amava eemarike aphezulu kwaye ahla , iintsuku ezilungileyo nezimbi.
Ukuba ukhangeleka kakhulu kwilahleko zakho kunye neenzuzo, kunokukunciphisa.
Kukho iindlela ezimbalwa zokuphepha ukuphazamiseka ngenxa yokulahlekelwa. Phawula ikhalenda yakho ukuze ukhangele kwipotifoliyo yakho ngekota nganye okanye ezintandathu. Ngaphandle koko, qhubeka uzolile, uqhubeke, kwaye uthembele kwimpumelelo yexesha elide lemarike. Yaye uthathe unxweme encinci-oku kuthiwa yi-dollar-cost cost. Ukuba unayo i-$ 1,000 ukuze utyalomali, ngeli qhinga, uza kufaka i-$ 100 nganye ngeveki kwiiveki ezili-10, endaweni ye-$ 1,000 yonke kanye kanye (unokwenza njalo ngenyanga). Ngale ndlela, awuyi kuhlala uqhathanisa ixabiso lexabiso langoku kunye nexabiso lalinalo ngosuku olithenge ngalo. "Awuyi kuba nombolo ethile engqondweni, ngoko awuyi kuziva ungendawo," utshilo uDyunivesithi uDan Ariely, umbhali wePaff .
Cinga ngeendleko zokulinda.
"Akukho nto ilungileyo yokuthi, 'Makhe ndihambe [kwiimarike] namhlanje,'" utsho uAarely. "Ngoko [ukuba siyakuyeka], asize singene." Le nto inendleko enkulu.
Cinga ngako ngale ndlela: Cinga ngeendleko zokungenalo imali. Yithi utyalomali i-$ 500 ngenyanga ukususela kwiminyaka engama-30 ubudala kude kube ngumhlala-phantsi kwiminyaka yobudala engama-65. Ukuba imali ikhula nge-8% ephindayo yokubuyela (ukuhlawulwa kwentela), uya kuba ne-$ 1.15 yezigidi zemali.
Kodwa ukuba ulinde uze u-40 uqalise? Ukhangele ngaphantsi kwesiqingatha saleso mali-$ 479,000. (Kwaye, ukuba ubuhlakani ngokwanele ukuqala ngo-25, kakuhle, iinqhobane: Le minyaka engama-5 eyongezelelweyo izisa inani lakho kwii-1.8 yezigidi.)
Ngoko abantu abade bawukhupha "ngelinye ilanga" baya kugqiba ukuqala, ngakumbi baya kuba negalelo ekuhambeni emva kokufumana. "Yonke idola oyifumanayo ngokutyalomali yakho idola awuyi kuwufumana kumsebenzi wakho kamva," uthi ingcali yemali eyi-Millennial Stefanie O'Connell, umbhali weThe Broke kunye noBomi obuhle .
Thatha indlela elula kuyo.
Utyalo-mali alugcinwa "kwiimakethe zeemarike" ezikwazi ukukhetha nokuthengisa izitokisi zodwa, u-O'Connell uthi. Kubantu abaninzi, ukuphumelela kuyinkcazo yokubeka okungangoko unakho kwiakhawunti yakho yomhlala phantsi rhoqo, kwaye ubeka loo mali ukuba isebenze kwiipotifoliyo ezahlukahlukeneyo .
Unokufumana ulwahlulo ngokubeka imali yakho kudibaniso lweengxowa-mali ze-stock market kunye ne-index yebhanki ye-index ye-market, kunye nomlinganiselo weebhanki zokubambisa ukwandisa njengoko usondela ngakumbi kumhlalaphantsi. Ngenye indlela, unokuya kunye nekhredithi yomhlala-phantsi ojoliswe kuyo, oza kubelwa kwakhona imali yakho yentalo-mali njengoko ixesha liqhubeka; nje ukhethe isikhwama ngomhla ojoliswe kuwo xa ucinga ukuba uya kuthabatha umhlalaphantsi. Unako ukhetha i-akhawunti ephethwe yinkampani yakho ye-brokerage okanye umniki- akhawunti we- akhawunti yomhlala phantsi okanye umcebisi we-robo njengoMhlaba wePropati okanye iNgcaciso , eya kukubeka ekudibaniseni utyalo-mali ngokusekelwe kwindlela ophendula ngayo imibuzo embalwa malunga neenjongo zakho.
Cinga ngomphumo wokuphela.
Ekugqibeleni, ukuze uzenzele uvuyo, mfa nekiso okhulayo imali yakho. Yinto enye yokucinga "umhlalaphantsi," kodwa enye enye ukucinga ngendawo oza kuhlala ngayo xa uthatha umhlalaphantsi. Enye into yokucinga ngokuthumela abantwana bakho "kwiikholeji," kodwa enye ingcamango ukuba ixhomekeke kwi-quad ku-alma mater wakho othandekayo. Ingcamango kukuba kungakhathaliseki ukuba yiziphi iinjongo zakho zexesha elizayo, okubonakalayo ongayenzayo, utyalo-mali obonakalisiweyo ukwenza ukuba kwenzeke kuya kuba.