Iingcali (kubandakanyeka, ngamanye amaxesha, mna) ziya kukuxelela ukuba usebenzise loo mali ukuhlawula ityala kwaye ukhulise imali yakho yokugcina umhlalaphantsi , njengoko ezo ziza kukunika inzuzo enkulu kumgca wakho ophantsi.
Kodwa nantsi indlela eyahlukileyo: Kuthiwani ukuba ufumene indlela yokutshintsha ubomi bakho kwaye ufumane unonwabo ngakumbi kuloo mali? Akunjalo nje ngokuba noxanduva-ngokuphathelele ukulungelelanisa indlela ophila ngayo ngezinto eziphambili, uthi uStefani O'Connell, umbhali we "Broke and Beautiful Life."
Okokuqala, thatha ixesha lokuqwalasela oko unenjongo yokuthenga: Ingaba kukho ukuguquguquka? Ixesha elingakumbi? Ingcinezelo engaphantsi? Emva koko, jonga ngenyameko kwizinto eza kuthatha ukuba zenzeke ngemali oye wanikelwa nguMalume Sam. Nazi iindlela ezimbalwa zokuqwalasela ukusebenzisa imali ezayo.
Bhatala omnye umntu ukuba enze into ekugxininisayo.
Uphando malunga nemali nolonwabo [lubonisa ukuba] ukutshala imali yakho ngendlela ekulondolozayo ixesha ngokwenene kunceda ukwandisa nokuphucula ulonwabo jikelele, "kusho uSophia Bera, umsunguli weGen Y Planning. Ngoba? Inokukukhulula ukuba uchithe ixesha elide ukwenza izinto ozithandayo, kunye nexesha elincinci ukwenza izinto ongayenziyo.
Ukuqesha umntu ukuhlambulula indlu yakho kabini ngenyanga kunokukhulula ixesha labahlobo, iiklasi zengqondo, okanye ubusuku bemini ukuba unabantwana abancinane, uthi uBera.
Ezinye iindlela zokugcina ixesha? Ukulahla iimpahla kwindawo yokuhlamba eyomileyo yokuhlamba, utyalomise kwisilwanyana sokutya esithako sokunikwa i-HelloFresh okanye i-Blue Apron, okanye unokuthengwa kwakho ngeenkampani ezinjengePeapod okanye i-FreshDirect.
Yaye phawula: Ukuba unganqikazi ukubeka imali yerhafu kwiinkonzo zokugcina ixesha, cinga malunga neyure yexesha lakho lifanelekileyo, uze uyilinganise kunye neendleko zokuqeshisa. Ukuze kubalwe ngokukhawuleza, susa iinqwelo zokugqibela ezintathu ukusuka kumvuzo wakho wonyaka uze uhlule inani eliseleyo ngamabini. (Ngokomzekelo, ukuba wenza i-$ 40,000 ngonyaka, loo myinge i-$ 20 ngeyure.) I-gap phakathi kwexabiso lakho kunye nexabiso lokuqeshisa, kunengqiqo ukunikezela.
Invest in ezintsha izakhono.
Ukukhangela ukutshintsha imisebenzi, ukwandisa amandla akho okufumana, okanye zombini? Ukutshala imali kwimfundo yakho eqhubekayo kungaba yinto ebalulekileyo yokufumana inzuzo yokuphila-kunye nemali evela kwimbuyekezo yakho yerhafu yindlela enkulu yokuqalisa. Ukuba ukhangele ukukhawuleza kwakhona i-resume yakho, qwa lasela ii-workshops zokuhlaziya izakhono ngokusebenzisa iinkampani ezinjengeGenerational Assembly (ukuyila, ukuthengisa, ukubhalwa kweenkcukacha, idatha, njl.) Okanye i-Coursera (isayensi yolwazi, isayensi yekhompyutha, ishishini, ukufunda kwamashishini kunye nokunye). Ukuba ukhangele ukutshintsha yonke imisebenzi, unakho ukuya kwiiklasi enye okanye kwiiyunivesithi okanye uzalise iprogram yesitifiketi sekhompyutheni okanye kwisiqu somntu (ngokuqhelekileyo unikezelwa iikholeji zendawo ukuxhoma abantu abafuna ukuguqula okanye ukuqhubela phambili kwimisebenzi yabo. ).
Yaye ukuba uthe wazisola ngokungabi nakwi-science kwikhompyutha xa unelithuba? Iikhampasi zokukhuphela iikhowudi zinikezelwa lonke ilizwe ukuba zifundise iziseko ezisemgangathweni kubo abatsha kwi-shishini; kukho iikhompyutheni zexesha elipheleleyo ezingama-95 kunye nesifundo semfundo esiqhelekileyo se-$ 11,400, ngokweSigxelo seNkundla. Igama lesilumkiso, nangona kunjalo: Qinisekisa ukuba amabango eenkampani ahlola, njengoko kungekho migaqo emininzi yeenkampu zokuqhawula. Cela ukuthetha nabancinci abaphumelele ukuba baqinisekise apho basebenzayo nokuba zeziphi iiklasi ezibafundisayo. Unokwazi ukukhawuleza isaphulelo ngokucela-okanye ngokuhamba nenkqubo yesikhatheso esithatha ixesha elide ukugqiba. Yaye uyazi ukuba nangemva kokugqitywa kwenkampu ye-boot, kunokuthatha inani elikhulu lokuzifundisa (ikakhulukazi kwiinkalo ezifana nedatha kunye ne-algorithms) ukudlula i-interview-level interviews.
Yenza impilo yengqondo ibalulekileyo.
Ukuhlala phezu kwengqondo yengqondo-nokuba ngaba uxinzelelo, ukuxhalaba, ukudandatheka okanye into ethile-unokufumana ixabiso elihle.
Ngoko ukuba ubeke oko kwi-burner yangemuva, mhlawumbi kusetyenziswe ngokufanelekileyo umvuzo wakho werhafu ongayihlawula ubomi bakho.
Ngokumalunga nomntu omdala waseMelika ufumana ingxaki yokuxhalabisa ngexesha elithile ebomini babo, ngokweSiko leSizwe seMpilo yengqondo (i-NIMH), kwaye malunga ne- 4.4 ekhulwini labemi behlabathi bayalinganiselwa ukuba baxineke, kuxela i-World Health Organization ( WHO). Ngoko ukuba uziva uxhalabile, uxinezelekile okanye uvela ngaphandle kweentlobo, awuyedwa.
Iindaba ezilungileyo kukuba, kuninzi uncedo ngaphandle apho. Cinga ngokufuna umgqirha okanye enye ingcali yezempilo yengqondo. Ireyithi zangeyure zinokuqala ukusuka kuma-dollar angama-80 ukuya phezulu, kuxhomekeke apho uhlala khona, ngokweThumbtack. Ukufumanisa, unokusebenzisa i-directory yengingqi ekhangelekayo ye-Psychology Today, kwaye ukuba yakho inshorensi yempilo ibandakanya iinkonzo zempilo yengqondo, ungasebenzisa isixhobo esinjengeZocdoc ukukhangela kuphela abagqirha abamkela i-inshorensi yakho.
Vuka ukukhawuleza kwimpilo yakho yempilo.
Ukuba uye wachaza ukubeka phambili kwimpilo yakho yempilo-okanye bekuyinye yezigqibo zakho zonyaka omtsha-ukubuyiselwa kwemali yakho yerhafu ingaba ithikithi yakho kwisiqalo sokuqala. Ngokuxhomekeke kwimeko yakho, oku kubonakala ngathi unyango lomzimba, ukunakekelwa kwe-chiropractic okanye nokuba yi-gym membership. Ukuba ngaba ngowokugqibela, cela malunga nezaphulelo, uze ucele kwakhona. (Amaninzi amaninzi angakwazi ukuhlawula imali yobulungu bonyaka kwaye ahlawule iiprayimari zenyanga ngokukhawuleza ukuze abuyele kubathengi.) Ngaphezu koko, ukuba unomdla wokwenza imali yakho yokubuyisela irhafu ihambe kangangeeyure elongezelelweyo, cela malunga nesaphulelo ongayifumana ngaphambi kokuhlawula ezintandathu ezintandathu okanye ngonyaka kusengaphambili (kungabaluleka). Okanye, bhalisela umqeqeshi wakho ukuba ubeke uxanduva kwaye uqiniseke ukuba wenza uninzi lwakho lotyalo-mali.
Cwangciso ngekamva.
Ukucwangciswa kwezindlu kungabi yinto evuyisa kakhulu yokubuyisela imali yakho yerhafu, kodwa ibalulekile-ngakumbi ukuba unabantu abaxhomekeke kuyo. Ukubeka ndawonye umyalelo wakho wokunakekelwa kwempilo, amandla ommeli, kunye nokuthanda (kubandakanya ukucacisa ukugcinwa kwabantwana bakho) kunokuhlawula i-$ 500 ukuya kwii-dollar eziliqela ngokuxhomekeka kwiimeko zakho zemali. Kukho iindlela ezincinci ezifumaneka kwi-intanethi-umzekelo, i-WillMaker iyafumaneka kwi-$ 55 kwi-Nolo.com, kwaye i-DIYZoom ye-DIY iya kuqala kwi-$ 69-kodwa ukuba ubomi bakho bezezimali bunzima kakhulu, ukuqesha ummeli kungabakho utyalo-mali olufanelekileyo.
Hlola ukuba ubone ukuba iindawo zokusebenzela zakho zibandakanya iMetLaw, enikezelwa yi-Hyatt Legal Plans, evumela abasebenzi ukuba bahlawule imali ethile ngokuhlawula imali (ngokuqhelekileyo malunga ne-$ 20 okanye i-$ 25, uthi iBera) ukufumana ukukhululeka okanye ukuhlawulelwa kwi-network of attorneys . Ukuba akunjalo, cela iziphakamiso ezivela kumcebisi wakho wezezimali, i-akhawunti okanye abahlobo abanempilo efanayo. Unokujonga kwakhona i-website ye-State Bar Association website yee-avoti ezigunyazisiweyo ezizithembayo kunye ne-call-call call kwaye zibuze malunga neendleko, kwaye ukuba zibalelwa ngeyure okanye iphrojekthi.
Kunye neHayden Field