Awufuni Uluhlu oluthe ngqo, uhlahlo lwabiwo-mali oluthile. Ungenzani?
Ezinye iindidi zobuntu ziyakuthanda ukudala umgca-mgca, uhlahlo lwabiwo-mali olusisiseko kwi-spreadsheet, kwi-software okanye ngephepha eliphambili kunye neepensele.
Abanye abantu, nangona kunjalo, bathambekele ekubeni "becala-mfanekiso" abacinga, kwaye ingcamango yebhajethi ecacileyo iyawayeka.
Ukuba ungomnye walezo zintlobo zobuntu ezikhetha ukuthatha ukhangelelwano olukhulu lwe-bhajethi, kunokuba udwebe i-ajenda yento yomgca, unokwenza ntoni ukuze uqinisekise ukuba uhlala phezulu kwimali yakho?
Nazi iingcebiso ezisibhozo.
Bonisa umfanekiso owenene ngokwenene
Makhe sicinge ukuba wenza i-$ 15 ngeyure, okanye i-$ 35 ngeyure, okanye i-$ 40,000 ngonyaka, okanye i-$ 70,000 ngonyaka. Naliphi na imali oyifumanayo, musa nje ukubala umvuzo wakho wamahora okanye umvuzo wonyaka "njengengeniso" yakho. Uhlawulwa ngokwenene nje inxalenye yecandelo.
Thatha ingqalelo kwiingxowa-mali ezithatyathwe kwezinye izinto ozihlawulayo kwiirhafu, zombuso kunye neentlawulo zentlalo, kunye noKhuselo loLuntu. Kwakhona, susa iindleko zokusebenza , njengexabiso lemali oyichithayo ukuya kuyo nasemsebenzini ngosuku ngalunye. Ukuba kufuneka uhlawule ukunyamekelwa kwabantwana ngexesha lomsebenzi, susa loo mali ngaphandle kweyakho "engenayo imali". Oku kuya kukunceda uqonde umvuzo wakho "wenetha" emva kweendleko ezihlobene nomsebenzi ezikhutshwayo.
Qhubeka Ufuna Iziphumo
Ukuba uhamba nazo zonke iindleko ngemali yokugcina imali, ukucinga ngemali, uya kukwazi ukunciphisa iindleko zakho ngaphandle kokufuna imali-mali.
Musa ukwesaba amakhuphoni kunye neengcingo zokucima!
Kukho iitoni zeendlela ezinkulu apho uvele uzikhangele. Thelekisa ixabiso lentengo. Sebenzisa ii-apps ezikhululekileyo, njenge-barcode scanners, ukuthelekisa-ivenkile ngelixa ungaphakathi kwevenkile. Yenza iiprojekthi ezizenzayo. Ukupheka ukutya ngokukhawuleza. Tshintshela kwizibane ze-LED, eziza kugcina iindleko zombane.
Ngundoqo: Nangona awuyi kudala uhlahlo lwabiwo-iphepha nepenseli, kufuneka uhlawule iinkcukacha zemikhwa yakho yemihla ngemihla.
Khangela i-Credit yakho kunye neNkcazo zeDiskethi yeeNcwadi eziThileyo kunye neerhafu
Ngaba uzivuselele ngokuzenzekelayo ukuba ubhalisele ukuba awufunanga? Ngaba uhlawulise ngemali imali eninzi kwimveliso? Ingaba uhlaselwe ngumrhumo okanye isohlwayo onokukwazi ukuxoxisana nayo?
Yenza wena (kunye nekhredithi yakho) inceba ngokujonga nganye isitatimenti senyanga oyifumanayo kwaye uqinisekise ukuba zonke iindleko zakho zivumelekile. Imirhumo efihliweyo kunye neentlawulo ezingekho mthethweni ziqhelekileyo, ke qiniseka ukuba uhlaziya rhoqo ingxelo zakho.
Vula ii-Akhawunti ze-Sub-Savings
Ukugcina imali yexesha elide kufuneka kubaluleke kakhulu njengokulawula imali kwixesha elifutshane. Ithetha ntoni le nto? Okubalulekileyo, kuthetha ukuba akufanele ufumene ngokugqithiseleyo kwi-minutia yemihla ngemihla yokuququzelela ukuba uyayihoxisa iinjongo zakho zexesha elide, njengemali yongxamiseko, umhlalaphantsi, kunye nokugcinwa kwemoto kunye nokugcinwa kwemoto.
Qinisekisa ukuba imali kangakanani, ngomvuzo okanye ngenyanga, ufuna ukuzinikezela kwiinjongo zakho zexesha elide. Emva koko uhoxise loo mali rhoqo kwiiveki ezimbini okanye nganye inyanga kwi- akhawunti yokugcina ejoliswe kuloo nto.
Umzekelo, unokuvula i- akhawunti ye-SmartyPig ; I-akhawunti yokulondoloza i-intanethi evumela ukuba wenze iinjongo ezincinci zokugcina imali, ezifana nokuthenga "iNew (esebenzisileyo)" okanye "Ukuhlawula iincwadi zeencwadi ezilandelayo." Unokwenza ukurhoxisa ngokuzenzekelayo kwi-akhawunti yakho yokujonga kwi-akhawunti nganye yokugcina imali rhoqo kwiiveki ezimbini okanye ngenyanga.
Hlaziya apho Uchitha imali yakho
Kulungile, ngoko awukwenzi uhlahlo lwabiwo-mali. Kodwa unokwazi ukuba uya kuphi na imali yakho. Ukuba ufumana ulawulo lweemveliso zelungileyo kwi-Amazon ngeveki nganye, okanye ukuba uqaphela ukuba uya kudla isidlo kunye nabahlobo bakho kabini ngeliveki, ufumene i-wallet enkulu kwi-wallet yakho. Akudingeki ukuba ispredishithi ikuxelele ukuba usebenzisa imali eninzi kule ndawo - kufuneka nje ukuba uqaphele ngakumbi.
Hlela i-Financial O oals
Mbonise ukuba uninzi kangakanani umhlalaphantsi ngeminyaka ethile, uninzi kangakanani ufuna ukulondoloza kwimfundo yekholeji yakho , kwaye yintoni na ixesha elidlulileyo ofuna ukuba amakhadi akhokredari ahlawulwe ngawo . Yilungelelanisa ngokubeka iinjongo ezithile ngezikhathi zokugqibela. Emva koko sebenze umva ukuze ufumanise ukuba uzakufuna phi ukugcina inyanga nganye ukufezekisa loo njongo.
Landela uMthetho we-80/20
Ngaphantsi, kufuneka ugcine iipesenti ezingama-20 zentlawulo yakho yasekhaya. Ukuba awufuni ukubeka umgca-nto yonke into kwibhajethi yakho, ngoko-ncinane-ngokuzenzekelayo ubeke eceleni iipesenti ezingama-20 zeholo lakho lokuthatha ekhaya, uze uchithe konke. Ndibhekisela kule nto njengebhajethi ye -80/20 .
Ingeniso engama-20 engenayo yokugcina imali kufuneka ibekwe kwiindleko zangexesha elide, ezifana nokuthatha umhlalaphantsi, ukuhlawula indlu, ukudala i-fund yexakeka, okanye ukuhlawula ngaphambi kokuhlawula imali. Akufanele isetyenziselwe iinjongo zokulondoloza ixesha elifutshane njengokuthenga i-dishwasher entsha, eyokuthenga ukuqonda.
Invest Invest Income
Kukho umda ukuba ungaphila kwaye ulondoloze. Kodwa xa ubeka umnqweno wokuba usebenzele egameni lakho, imali yakho iqala ukukhula ngezinga elimangalisayo. Ngoko qalisa ukutshala imali ebusweni bentsapho, udibanise kwi- dollar-cost cost , ubambelele kwi-index-fee ye-index index, kwaye ujabulele inkqubo yokubukela imali yakho kabini okanye kathathu !