Iseluleko seMali esona siGqeba seNew College

Izinto ezi-6 Zonke iikholeji zeNew College zifanele zenze

Ukuba ungowesigqeba sokugqweswa kwiikholeji okanye usanda kuphumelela, uyavuyisana! Kwabaninzi abaselula, ukugqweswa kwiikholeji kubonisa ukuba utshintsho olukhulu luba ngumntu omdala kunye nehlabathi labaqeshwa emva kokugqiba. Ikwazisa kwakhona kwisigaba esitsha sezemali. Nangona ayinyani ukuba zonke izigqibo ozenzayo kwiminyaka yakho-20 ziya kuba nemiphumo ehlala njalo kwixesha lokuphila kwakho komntu omdala, kukho ezinye ezinempembelelo enkulu kunabanye.

Uninzi lwezigqibo oza kuzenza luza kubakho kwiimali zakho. Njengesipho sesikolo sokufumana isikolo samahhala, nasi ezinye zeengcebiso ezilungileyo zezemali kubafundi abatsha esibafumanayo.

Iseluleko seMali esiphezulu seNew College

1. UYobhi Wokuhlawula Aphezulu Akusoloko Eyona Yona Msebenzi Olungcono: Iimbono zeJob ziyaqhambela amatsha amatsha. Ngokomphando ovela kwiKorn Ferry, imivuzo yokuqala yokuqala yeKlasi ye-2017 ibetha ixesha elide. Kodwa imali eninzi ayifani nolukulingana nokwaneliseka komsebenzi. Ukuba ukhethe indlela oyenzayo yokukhangela, khumbula ukuba umsebenzi wokungena ophantsi ophantsi kwintsimi oyifunayo kuya kuba yinto engcono kwixesha elide kunomsebenzi ohlawulekayo ophezulu kwintsimi ongenalo umdla wesikhathi eside. Ukwamkela umsebenzi kwintsimi engahambelananga nje ngenxa yokuba uhlawula ngakumbi kunokulibazisa inkqubela phambili yakho yomsebenzi okanye ngakumbi, kukugubungela kwintsimi yomsebenzi ongenakukuvuyisa.
2. Cinga kabini ngaphambi kokuba uhambe nabazali bakho: Phantse isiqingatha seentsha ezintsha zibuyela ekhaya emva kokugqiba iziqu, ngokuqhelekileyo ngenxa yokuhlawulwa kwetyala lomboleki. Ucinga ngokubuyela ekhaya kunye nabazali bakho ukugcina imali? Cinga kwakhona. Kunzima ukubuyela ekhaya xa uzimeleyo. Uza kukhula ngokukhawuleza kwaye ufunde ngakumbi ngokuba ngokwakho, nangona kungaba ngumzabalazo ekuqaleni. Abaninzi abaphumelele kwiikholeji babuyele kwikhaya labazali babo ukuze bagcine imali, kodwa baninzi babo abanalo ukuqeqeshwa ukugcina, baze baphelise ukufumana umvuzo wabo kwiimoto, ukuzonwabisa, izixhobo zobuchwepheshe kunye nobomi babo. Ukufuduka ekhaya kuya kusebenza kuwe kuphela xa uqinisekile ukuba awuyi kungena kuloo mgibe.

1. Musa Ukuthenga I-Car entsha: Unokuba ukhathele ukushayela i-clunker kwikholeji okanye ungenayo imoto nhlobo, kodwa ukuthenga imoto entsha yemoto yiphutha elibi elinokukugcina kwisabelomali esomeleleyo iminyaka. Endaweni yoko, cinga ukuthenga imoto enye ukuya kwiminyaka emithathu ubudala kwaye ulondoloze umthwalo wemali. Unokufumana imoto ebonakala yintsha imali encinci, kwaye endaweni yoko igcine enye into ebalulekileyo, njengentlawulo ephantsi kwindlu. Kungakufanelekile ukukhangela isihloko esilandelayo: Inkokhelo yakho yemoto ingakugcina kwi-Qualifying for Mortgage .

1. Ngena kwi-Budget Habit: Amashumi amahlanu anesibhozo kubantu abadala abasweleyo ukuba benze uhlahlo lwabiwo-mali. Ukuba ulolu hlobo, musa ukucinywa ngegama "B". Uhlahlo lwabiwo-mali alusebenzi nje "ukuhlala ngendlela yakho;" ngaba malunga nolwazi kwaye lulungiselelwe ukuba nayiphi na into ephosa kuwe ... ngemali. Cinga ngohlahlo lwabiwo-mali njengesicwangciso senkcitho ukukhokela imali yakho kunye nokulondoloza ukuze ukwazi ukufumana izinto ozifunayo ngokwenene kwaye okubaluleke kakhulu kuwe. Musa ukuzama ukuzama ukufumana indlela ethile yokuphila. Konke into ofuna ukuyiqonda malunga nebhajethi, ekubeni uqalise ukuhlala ukhuthaza, qiniseka ukuba uhlolisise izibonelelo kwi- Budgeting 101 .
2. Qala Ukulondoloza Ngoku: Ipesenti ezingamashumi amathathu nanye zabaselula abaneminyaka eli-18 ukuya kuma-24 banokulondolozwa kwenani kwibhanki. Xa udala uhlahlo lwabiwo-mali, qiniseka ukuba ufaka imali yokugcina imali "kwiindleko" zakho. Oku kuthetha ukukhawuleza kwimeko engxamisekileyo okanye "imvula yamalanga", ukugcina ukuthengwa kwexesha elizayo, kwaye ewe, ukufaka isandla kwiakhawunti yomhlalaphantsi. Ukuba unenhlanhla ukufikelela kwisicwangciso somhlala-phantsi somqeshi njengo-401k, sebenzisa! Ukuba banikela uhlobo oluthile lomlinganiso lomnikelo, zama ukunyusa. Ukuba akunjalo, vula i-IRA kwaye uqale ukwenza iminikelo apho. Ngokuqala ukugcina umhlala-phantsi kwiminyaka yakho engamashumi amabini, unokuchaphazela kakhulu ukhuseleko lwakho lwezezimali elizayo.

1. Zifundise NgeziMali Zakho: Xa ufuna ukufunda ngeemathematika, uthathe ikhosi yezibalo okanye ufunde iincwadi zezibalo. Indlela engcono kakhulu yokufunda malunga neenqobo zezemali ngumgaqo wokufunda iincwadi ezilungileyo zemali - enye ehlanganisa zonke izinto ezisiseko ngaphandle kokukratshi ngezinyembezi. Yingakho ndibhale yonke i-Personal Personal Finance kwi-20s kunye ne-30s yakho, efumaneka kwi-Amazon.com nakwezinye iincwadi zokuthengisa kwi-intanethi nakwi-bookstore yakho. Kufundwa lula kunye nokujonga kakuhle indlela umhlaba wezemali usebenza ngayo.

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