Indlela yokulungisa iiphene ezinkulu zeMali ezenziwe kwii-20s zakho

by UMiriam Caldwell

Xa usu-20s yakho, lixesha apho ulungelelanisa izinto ezininzi . Xa uqala umsebenzi omtsha okanye uqala ukuhlawula iindleko zakho, unokuba nemali embalwa engafanelekanga , uphumelele kwiingxaki ezimbalwa kwaye wenze iimpazamo zezimali. Nazi ezisixhenxe zeempazamo zezimali eziqhelekileyo abantu abazenzayo kuma-20s kunye neendlela zokuzixazulula.

Ingxowa-mboleko ye-Student 01

Ityala lesikhwama somfundi linye yezinto ezibambe abantu abaninzi ekuthengeni ikhaya okanye ukugcina imali. Awukwazi ukubuyela emva kwaye ungayiboleki imali, kodwa kubalulekile ukuba necebo malunga nendlela oya kujongana ngayo nemali-mboleko yomfundi wakho. Ukuba usesekholejini, uboleka kangangoko unako kwaye ufumane . Oku kuthetha ukuba uya kufuna umsebenzi ngelixa ukholeji.

Hlaziya: Emva kokuba uphumelele, khangela ukuba ufanelekile ukuba uxolele umboleko wesikolo somfundi okanye ucinge ukusebenzela i-AmeriCorps. Ufanele wenze ityala lakho lokubolekisa ngetyala lomfundi libe yingxenye yesicwangciso sakho sokuhlawula ityala kwaye usebenze ekuhlawuleleni ukuze usebenzise loo mali ukuze ufinyelele ezinye iinjongo.

Ngetyala leKhadi leKhadi

Kuqhelekileyo kubafundi beekholejini ukukhahlela ikhadi lekhredithi ngelixa esikolweni, okanye unokuthembela kumakhadi akho ekhredithi xa uzama ukwenza phakathi kweekholejini kunye nomsebenzi wakho wokuqala .

Misela: Isinyathelo sokuqala kukuyeka ukusebenzisa amakhadi akho ekweretyana ngokukhawuleza. Emva koko kufuneka uqalise uhlahlo lwabiwo-mali kunye necebo lokuhlawula ityala elivumela ukuba uhlawule ngokukhawuleza kumakhadi ukuze uphume kwetyala kwaye uyeke ukuhlawula imali ephezulu.

03 Ukuphumula Ukuhlala Umhlalaphansi

Xa unzima ukuphuma kwetyala kwaye uphumelele, unokuzama ukuyeka umrhumo womhlalaphantsi. Nangona kunjalo, imali otyalomali kwi-20s yakho inokuqalisa ukusebenzela kuwe iminyaka. Ukuba uqala umkhwa wokutshala imali elungileyo ngoku, uya kukwazi ukugcina ngokwaneleyo umhlalaphantsi.

Misela: Ukuba usenetyala, unokufuna ukufaka isandla kwiqabane lomqashi wakho . Emva kokuphuma kwetyala, sebenzela ukufumana loo nombolo ukuya kwi-15 ekhulwini yengeniso yakho ngonyaka.

Qala ngokunyusa inani elibamba iqela lakho lokuvuselela ngonyaka, ngale ndlela awuyi kuphona imali. Cinga ukunciphisa iindleko zokuzonwabisa ukuze uncede ufumane imali eyongezelelweyo yomhlalaphantsi.

04 Ukuya Uninsured

Kubiza kakhulu ukuhamba ngaphandle kwe-inshurensi. Ngokusemthethweni, kufuneka uqhube i-inshurensi yemoto kunye ne-inshurensi yempilo kwaye ungaphumeleli ukuthwala okanye unokukuhlawula imali. Kuthatha nje ingozi enye okanye ukuhlinzwa ngokukhawuleza ukubeka amawaka eedola ngetyala ngenxa yeebhilidi zonyango. Kubalulekile ukuthwala ingqalelo efanelekileyo ukuze uzikhusele kule nto.

Misela: Ukuba i-inshorensi ibonakala ijonge kunye nawe uzama ukukhangela isicwangciso se-inshurensi yezempilo ephezulu . Iipresimenti zenyanga ziphantsi, kodwa ziya kubandakanya nayiphi na iindleko zonyango onobungozi onayo kunye nokukunceda ukuba ugweme iifizi eziza kubakho ekuthwaleni akukho ninshuwalense.

Ungaphinda ufune umsebenzi ohlinzeka ngomshuwalense wezempilo kubasebenzi abasebenza ixesha elide, kwaye ufumane umsebenzi apho ukuze uhlawule i-inshurensi ukuba ungumfundi okanye usebenza njengonkontileka ozimeleyo.

05 Akukho mali

Ukulondolozwa kukunikezela ngomnatha wokhuseleko. Kwakunceda uqhubeke phambili kwisinyathelo esilandelayo. Xa ungenayo imali, awukwazi ukujongana neendleko zongxamiseko. Kuxinzeleleka ukuba uphile rhoqo kwixesha. Ukugcina imali kunokukunceda ukuyeka ukuhlala uloyiko.

Hlela: Qala ngokulondoloza isikhwama esiphuthumayo somvuzo wenyanga enye ngaphambi kokuba usebenze ekuphumeni kwetyala okanye nayiphi na into. Oku kuya kuba yingxowa-mali yakho yengoxakeka ngexesha usebenza kwityala lakho.

Emva kokuba uhlawule phantsi kwetyala lakho, sebenzela ukulondoloza iindleko zonyaka, kwaye wenze ezinye iinjongo zokulondoloza, njengentlawulo yokuhlawula .

Ukuba ufuna ukufumana imali eyongezelelweyo ukuze ulondoloze, cinga ukusika iindleko zakho zenyanga , nokusika ezinye iindlela ochitha imali ukukunceda ukuba ufike phambili ngokukhawuleza.

06 Akukho Phuhliso lwezeMali / iinjongo

Ukuba awunaso isicwangciso, kunzima ukwazi ukuba wenzeni ngemali yakho. Uza kugxeka xa kuziwa ukugcina, ukuthenga indlu nokuphuma kwetyala. Kubalulekile ukuba neenjongo ezicacileyo ukuze ukwazi ukufikelela kuzo. Kuthatha umsebenzi kwaye uceba ukuphumelela ngemali. Ukuba ufumanisa ukuphuma kwemali inyanga nganye , uya kufuneka kwakhona uhlahlo lwabiwo-mali.

Hlela: Misela isicwangciso sezimali esisebenzayo esibandakanya zombini iinjongo ezifutshane kunye nexesha elide. Unokuceba izinto ezifana nokuthenga indlu, ukufumana umsebenzi wakho wephupha kunye nomhlalaphantsi wakho.

Ukucacisa ngakumbi isicwangciso sakho, ngcono. Ukuba uvakalelwa kukuba uxinzelelo oluninzi, khumbula ukuba unokutshintsha izinto xa ufuna okanye ukuba iinjongo zakho zitshintsha.

Ukusebenza kwisicwangciso esinye kuya kukunceda nokuba utshintshe kwisicwangciso esihlukile. Xa usenaso isicwangciso sakho, ungayisebenzisa ukudala uhlahlo lwabiwo-mali oluza kukunceda ufikelele kwiinjongo zakho.

07 Ukuhlala Kwimeko Ebi

Unokuthi ulungele ukuhlala emsebenzini ombi ngexesha loqoqosho olubi okanye ngenxa yokuba akukho imisebenzi emininzi yokuyikhetha kwindawo yakho. Umsebenzi ombi unokuchaphazela kakubi ngeendlela ezininzi. Ukuba ungekho phantsi, kunokukwenza kube nzima ukufikelela kwiinjongo zakho, kwaye unokuphela ekutyala ngamatyala amaninzi.

Ukuba ngumsebenzi ongalunganga, unokukwenza uxinezeleke, kwaye kunokuba kunzima ukuba neemeko kwimeko enzima. Nangona unokugqiba isigqibo sokuba kufuneka uhlale unyaka, kufuneka uzinikezele ukuqhubela phambili.

Yilungisa: Lo lungiso luxhomekeke ekubeni kutheni unomsebenzi. Ingabandakanya ukubuyela esikolweni ukwenzela ukuba unamakhono ofuna ukuqhubela kulo msebenzi olandelayo. Kungathi ukwandisa uphando lwakho lomsebenzi kwiindawo ezahlukeneyo okanye kwiindawo ukuze ukwazi ukufumana into esebenza kuyo.

Ingundoqo kukuba uqaphele ukuba akudingeki uhlale kumsebenzi wakho wangoku, kwaye ukuba awuhlawulwanga ngokwaneleyo okanye ukuba umsebenzi udibene ngokwenene, ufanele ukuba uqale ukukhangela into entsha ngokukhawuleza.