Abatyalomali banokhetho oluninzi lokuphakamisa imali engabikho kwabanye
Nangona andingaziphakamisi, ubuncinane ndifuna ukuba uqaphele ukuba khona kwazo.
1. Ukuphakamisa iNgxowa-mali ngokudala iSithuba seNkxaso-mboleko yexeshana
Kulabo abaye bakhuthele kwaye baqeqesha, iimeko ezintle ukuba uye wakha i- akhawunti ehloniphekileyo yokurhweba ngaphandle kweakhawunti yakho yomhlala-phantsi njenge- 401 (k) okanye i- Roth IRA . Ukuba ubukade udele ngokwaneleyo kwaye unomsebenzi ohloniphekileyo, kuya kwenzeka ukuba uhlala kwibanga lesithandathu; umzekelo, umntu oneminyaka engama-40 ubudala oqalise ukutyala imali engama-5 000 $ ngonyaka emva kwe-22 emva kokugqitywa kwaye ukuhlawula umsebenzi wakhe wokuqala uza kuba neentloni ezingama-228,000 zeeRhafu ngokulinganisa izinga lokubuyisela .
Ngaba unokufuna iimali zengxamiseko, kunokwenzeka ukuba ubolekise okwesikhashana kwiimali zakho zokubambisa ukudala imboleko yemali , uhoxise imali. Ukukhulisa imali ngale ndlela akunalo mngcipheko! Inkokhelo yakho ayikuphela kuphela inzala kwaye iya kutshintsha, kodwa ukuba izitokisi zakho kunye nezinye izityala ziwela ngaphantsi komda othile, umthengisi wakho angathengisa ifa lakho ukuze abuyisele imali mboleko ngaphandle kokuqhagamshelana nawe.
Abathengi abaninzi baya kukunika inceba (eyaziwa njenge-margin call) ukufaka imali engaphezulu ukuze kungenzeki okwenzekayo, kodwa akudingeki ukuba benze oku ngokomthetho. Oku kunokungena kwilahleko okanye ukukhupha intela enkulu yeentlawulo , kuxhomekeke kwimpumelelo onayo kunye neendawo kwi-akhawunti yakho.
Okubi nakakhulu, awukwazi ukulawula malunga naziphi iitoksi ezithengiswayo; oko kuphelele kwi-discretion yakho.
Enye yempumelelo yokuqalisa i-e-commerce yaxhaswa ngemali ngokubhala isheke malunga neakhawunti eyayibanjwe ngamasheya eBerkshire Hathaway, endivumela ukuba ndiqhube inkampani yayo ingxowankulu yokusebenza de ibe yenze iimali zokuhlawula lonke igalelo (eliyithatha kuphela Iinyanga ezimbalwa - Ndingomnye walabo bantu ukuba, njengalowo naluphi na onyanisekileyo-mali-mali-mali, kuphela utyalomali kwiibhenki eziqinisekisayo ezinikezela ngeentlawulo ezihlawulwe ngaphandle). Lezo nkampani zibuyela ngoku, zibonelela ngemali ukuba ndityalomali. Umjikelo onobuhle owenza ukuba ngithembele ngokwenene ukuba ungayifaka ebomini bakho, ukwakhiwa kwemifudlana yengeniso engenakukuvumela ukuba uchithe ixesha lakho ukwenza into onokuyithandayo kunokukhathazeka ngokufumana ubomi.
2. Phakamisa iNgxowa ngokuThengisa ubuqaqawuli bakho uze ufumane uYobhi wesiBini
Ngamanye amaxesha indlela ekhawulezayo neyona ndlela efanelekileyo yokuvelisa imali ngokukhawuleza kukuthatha umsebenzi wesibini. Elinye ilungu losapho lwam osondeleyo lifumene ukuba ngokusebenza ubusuku bokutya kwindawo yokudlela, wayekwazi ukuvelisa ngaphezu kwama-30,000 ngamawaka ngamacebiso angaphezulu naphaya komsebenzi wakhe. Ikhono lakhe lalidibanisa nabantu kwaye wafumana umsebenzi wesibini owawukhwelisa loo talente.
Kubantu abaninzi, baxela ukuba abanalo ixesha. I-Intanethi ishintshile yonke loo nto. Ihlabathi ngoku lizaliswe nalabo abenza amawaka eedola ngonyaka kwi-eBay, basebenza iiyure ezimbalwa ngeveki emakhaya abo. Unokuzimela kwi-Starbucks. Ubuninzi buhlala buhlawulela ngaphezu kokubeka iiyure ezininzi, ukuze ukhathele njengoko ibinzana liba: Cinga ngaphandle kwebhokisi.
3. Ukuphakamisa iNgxowa-mali ngokuthabatha i-401 (k) Inkcitho okanye ukukhutshwa kobunzima
Oku kufuneka kwenziwe kuphela kwiimeko ezimbi kakhulu, kodwa kunokwenzeka ukuboleka kwiimpahla ozikhethile kwiakhawunti yomhlalaphantsi. Kukho imigaqo ekhethekileyo yokulandela okanye mhlawumbi unokufumana uhlawula iintlawulo ezinkulu zerhafu. Ukuba izinto zimele zibe zibi ngakumbi ngaphambi kokuba zibe bhetele, ungaziqhelisa ngokungahambi phantsi umhlalaphantsi wakho, ezenze ube neengxaki ezinkulu zemali phantsi kwendlela.
Ukufumana ulwazi oluthe vetshe, funda i- 401k Imali kunye ne-401k Ukunyanzeleka kobunzima: Ukufikelela kwimali yakho yomhlalaphantsi .
4. Khuphula iNgxowa-mali ngokuKwazisa iMiphumo Yakho
Uninzi lwethu luhlobo oluthile lomvuzo olusekelwe kwikhadi lekhredithi, eyona nto ithandwa kakhulu yi-American Express. Kule minyaka embalwa edlulileyo, unokube ulungelelanisa ezinye izilinganiso eziphezulu zokuvuza, ngakumbi xa uhlawula izinto ezifana negesi kunye nokutya kwikhadi lakho.
Hlola kwiprogram yakho kwaye ujonge ukukhupha iipoti zakho zesitifiketi zesipho okanye iimpahla ezivela kubathengisi abakwazi ukukhulula imali. Ngethuba lo kubhala, umzekelo, ndinamaphupha angama-114,719 kwenye yamakhadi am American Express. Ukuba ndiyifunayo, oku kungaguqulela kuma-dollar ayi-1,100 kwiziqinisekiso zesipho ku-Wal-Mart okanye kuThengi ukuhlawula iindleko zendlu okanye kwi-Brooks Brothers ukuthenga iimpahla. Yimali engayi kuphuma kwibhajethi yam indlu.
5. Khuphula iNgxowa ngokuthengisa iGolide yakho
Ingabonakala ibonakala. Kungabonakala ingavumelekanga. Kodwa isebenza. Phantse yonke indlu inegolide elidlulileyo ngokweendlela zobungcwecwe kunye neendleko zegolide ezikhulayo kwiminyaka embalwa edlulileyo, zininzi iinkampani ezonwabileyo ukuba zithathe i-scrap kwaye zitshathise, zinike i-check fat fat in exchange.