Izinto ezi-4 zokuQala okumele uyenze nazo zonke i-Paycheck
Lo msebenzi omtsha unokunyusa ukwanda okwenyuka kwemali, kodwa kunye nokuguqulwa kwimeko yokuphila emva kokugqiba, unokufumanisa ukuba unemithwalo emitsha kunye noxanduva lwezemali.
Kungathi uvakalelwa kukuba ekugqibeleni unayo imali encinane yemali. Okanye kunokuvakalelwa ukuba i-paycheck yakho iyalala ngokukhawuleza njengoko ibonisa kwi-akhawunti yakho yasebhanki. Ngayiphi na indlela, eli lixesha elibalulekileyo lokuqalisa ukulawula imali yakho ngobulumko ngoku kunye nekamva lakho. Ngoko ke izinto ezi-4 zonke i-post-grad kufuneka zenze ngokuhlawula kwabo.
Yakha iBhajethi
Ukuba uye esikolweni ngaphambi komsebenzi omtsha, iimali zakho mhlawumbi zilula. Kungenzeka ukuba ube neebhilikhwe kunye neenkonzo zokuncedisa ukuhlawula kwaye imfundo yakho inokuxhaswa ngemali okanye ngaphandle kwemali mboleko . Kodwa ngoku ukuba uqala ubomi bakho kubasebenzi kunye nazo zonke eziza nazo, iimfuno zakho zokuhamba kwemali ziya kutshintsha kakhulu.
Emva kokuba unengcamango yokuba zihlawulwa njani iintlawulo zakho emva kwentlawulo kunye neentlawulo zerhafu, kufike ixesha lokuhlala phantsi uze ubone ukuba iindleko zakho ziphi. Ingakanani irente? Ngaba uya kuthuthela kwindawo ekhethekileyo?
Ukuthenga imoto ? Kude kube nini ngaphambi kokuba uqale ukuhlawula imali mboleko yomfundi, kwaye unako ukuhlawula malini? Ezi zinto ziza kudlala indima ebalulekileyo ekuqaliseni apho imali yakho iya khona.
Ukudala uhlahlo lwabiwo-mali akumele kube nzima kwaye kunokwenziwa ngamanyathelo ambalwa. Kubalulekile ukuba ubeke isicwangciso senkcitho ngokukhawuleza ukwenzela ukuba ungazitholi kwiingxaki zemali kamva.
Ukujongana namatyala akho
Ngalo mthombo omtsha we ngeniso, lixesha eligqibeleleyo lokufumana ingqalelo ngokumalunga nokuhlawulwa kwetyala lakho - kwaye ababolekisi bakho baya kulindela. Ukuba unamakhadi endebredari, usenokuba usetyenzise ukuhlawula kuphela intlawulo encinci nganye ngenyanga, kodwa lixesha lokuphula loo mkhuba wokuhlawula umncinci ngokukhawuleza! Iintlawulo ezincinci zingadlulisa ukuhlawula kwakho ukuya kwiminyaka elishumi okanye ngaphezulu, ukubiza amawaka okanye amawaka ngenzala. Yenze kube yinto ephambili ekukhawulezeni ukuhlawula imali nayiphi na inkokhelo yamatyala ephezulu.
Ukuba unemali-mboleko yomfundi, uhlala neenyanga ezintathu ukuya ezintandathu emva kokugqitywa ngaphambi kokuba iintlawulo ziqale. Ungayisebenzisi ixesha lobabalo ukuphumla kwii-laurels zakho, kodwa qalisa ukucwangcisa iintlawulo ngaphambi kokuba ziqale. Khangela ukuba ubuncinane bunjani intlawulo kwaye buyibeke kubhajethi yakho ngoku. Ngaba unako ukufumana ngaphezulu kokuncinci? Enkulu, yibakele kwi-bhajethi yakho. Ngokukhawuleza uhlawula phantsi le mboleko, ngaphantsi kuya kuhlawulwa ngentshiseko ngaphezu kwexesha. Kodwa musa ukuvumela iintlawulo zemboleko zabantwana ngaphezulu nangaphezulu kweyona nto ibalulekileyo, okubaluleke ngaphezu kokuthi, ukwakha imeko yakho yokuxakeka okanye "ukunyuka kwemvula". Kukho rhoqo ukulinganisela phakathi kokuphathwa kwetyala nokwakha ukonga kwakho. Soloko uhlawula ityala eliphakamileyo, kwaye uhambe apho.
Qiniseka ukuba ungaphuthelwa nayiphi na intlawulo, nokuba ngaba yinto encinci. Ukungaphumeleli inkokhelo kunokuba nefuthe elikhulu kumanqaku akho ekhredithi . Ukuba umnini-mboleko wakho unikela ngenkokhelo ngokuzenzekelayo kwikhompyutha, cinga ukubeka iintlawulo zenyanga okanye ezimbini ngeveki ukuphuma ngqo kwi-akhawunti yakho yasebhanki.
Ukuphuhlisa iSicwangciso soSondlo
Kaloku ukuba wena unayo kwaye unokufumana umvuzo oqhubekayo, kufuneka uqale ukugcina imali encinci nganye yokuhlawula i-fund yangaphandle. Ukuba neengxowa-mali zoxakeka ngxakeko kuya kukunceda ukuba ungene kwi jam ukwenzela ukuba ungafanele uxhomekeke kumakhadi ekhredithi aphezulu okanye ubhekane neengxaki zemali.
Indlela engcono kakhulu yokuqalisa ukugcina kukudala isicwangciso sokulondoloza ngokuzenzekelayo . Ukuba unesixa semali esisetyenziswe eceleni kwekhekhe nganye ngokuzenzekelayo, akunakwenzeka ukulibala. Ukongeza, xa imali igcinwa ngokuzenzekelayo, emva kokuhlawula okumbalwa, awuyi kuphinda uyiphuthe imali, kodwa kuya kuba khona ukuba uyayifuna.
Ukulungiselela iziganeko kunye neendleko ezingalindelekanga ziyingxenye yokuba ngumntu omdala onoxanduva.
Qalisa Ukulondoloza Umhlalaphansi
Ukuba unjengabantu abaninzi abaselula abasuka emsebenzini wakho wokuqala, umcango wokuthatha umhlala-phantsi ubonakala ngathi unaphakade. Nangona inokuba yinyaniso yokuba uneminyaka engama-40 okanye ngaphezulu kude kube ngumhlalaphantsi, ungalindi ukuqala ukugcina. Nokuba imali encinci ingaqala ukunyusa ukubonga kwimpembelelo yenzuzo.
Hlola nomqeshi wakho ukuba abone isicwangciso sokuthatha umhlala-phantsi njengesicwangciso se- 401k . Iinkampani ezininzi zize zinikeze inkqubo ehambelana nayo apho unako ukufumana imali ekhululekile nje ngokuzigcinela. Ngoko ke kufuneka uqalise kangakanani ukugcina? Impendulo eqhelekileyo kukuba uqale ukunikela ngegalelo elinokuthi unako ukuyifumana, kodwa iqalo eliphambili lokuqalisa ukufumana inxaxheba ngokufanelekileyo nayiphi na umdlalo womqeshi. Ngokomzekelo, ukuba umqeshi wakho unikeza idola ngemali ye-dollar ukuya kwi-3% yomvuzo wakho, qwalasela ubuncinane ukunikela u-3% ngamnye wokuhlawula. Ngale ndlela, ukwandisa ukonga kwakho ngokungashiyi nayiphi imali etafileni. Ukuba umqeshi wakho akayixhasi icebo, into elandelayo efanelekileyo yokwenza ukuvula i-IRA okanye i-akhawunti yomhlalaphantsi ngamnye. Kukho imida emincinci kwinto onokunikela ngayo ngonyaka, kodwa kuncinci kunceda. Ngokukodwa xa uneminyaka yakho engama-20.