Ngaba uzive ukhululekile ngenxa yeembopheleleko zakho zemali? Nantsi indlela yokuhlangabezana nayo
Usuvele uphumelele kwiikholeji kwaye uqala umsebenzi wakho wokuqala.
Ufumanisa ngokukhawuleza unobuninzi bezinqumo zemali ongenakuze ufune ukwenza ngaphambili.
Phakathi kwezinye izinto, kufuneka unqume ukuba ungakanani imali oya kuchitha kwizindlu zakho, ubuninzi bokubeka eceleni kwiakhawunti yakho yokuthatha umhlalaphantsi, kunye nendlela enomsindo ukuqala ukuhlawula imali yakho yomboleko .
Unokwakhela nokonga kwakho okokuqala ngqa.
Oku kunokuba nzima. Ukuba untsha kwinkqubo yokulawula iimali zakho, isi sikhokelo esilandelayo sinokukunceda.
Siya kuhamba kuzo zonke ezi ngqalelo, enye ngomnye ukuze ukwazi ukuphatha kakuhle indlela yokukhaba ngayo ukuqala impilo yakho yabantu abadala.
Ukufumana Iindleko Zakho Zindlu zoLawulo
Abaninzi baseMerika bafumanisa ukuba iindleko zabo ezithathu ezinkulu zizindlu, ukuthutha kunye nokutya.
Ukunyamekela ngokunyanisekileyo malunga nendlela ochitha imali kule mimandla emithathu ungayena nto inkulu kunokukugcina kwindlela ehambelana nemali.
Umgaqo oqhelekileyo wezothuthi kukuba iindlu akufanele zisebenzise ngaphezulu kweyesithathu kwingeniso yakho. Ngamanye amagama, ukuba ufumana i-$ 3,000 ngenyanga, akufanele uchithe imali engaphezu kwe-$ 1,000 ngenyanga kwindlu yakho.
Ewe, i-lower down ungayifumana le nombolo, ingcono. Musa ukwesaba ukuqhubeka uhlala nabantu ohlala nabo iminyaka emininzi emva kokugqweswa kwiikholeji.
Unganakuxinzelela uxinzelelo loluntu oluthi ufanele uhlale kuwe ngenxa yokuba unayo idiploma.
Ukude ugcine izindlu zakho zihlawule ngokuhlala nabantu ohlala nabo okanye uqesha i-studio ye-studio encinci, indawo oza kuba nayo xa uhlahlo lwabiwo mali ukufezekisa ezinye iinjongo zemali. Unokukrazula imboleko yakho yomfundi okanye wenze inkqubela phambili ekukhuseleni ukuhlawula phantsi.
Kwiphepha lomntu siqu, ndahlala kunye nabahlali kwada kwade ndiba malunga no-32 . Unokubheka esi sigwebo uze ucinge ngesi sivumo njengento edabukisayo. Unokucinga ngolu hlobo njengobungqina bokuba andizange ndifumane ubomi bam wezezimali kuze kube ngoko.
Ngokuchasene noko, ngeli xesha ndiye ndayeka ukuhlala kunye nabahlala nabo, ndandifake i-potifoliyo enokubaluleka eninzi kumawaka angamawaka eedola. Ndakwazi ukwenza oku, inxalenye enkulu, ngokugcina iindleko zemihla ngemihla ngezantsi kwaye ndenze imali.
Ngelixa abahlobo bam bebafumanisa iinwele zabo, baziphatha ngokuzenzekelayo, kwaye bahlala kwiindawo zokulala ezimbini zokulala, ndagqiba kwelokuba ndiza kubonisa ezo zinto zithandekayo kwiminyaka embalwa eyongezelelweyo ukuze ndigxilise ukukhaba-ukuqala utyalo-mali lwam .
Ingongoma yeli bali kukubonisa ukuba izigqibo ozenzayo xa useneminyaka engamashumi amabini ubudala unokuba nefuthe elihlala ixesha elifanelekileyo kwixesha lakho lokuphila .
Ungesabi ukwenza izigqibo ezichasene nomgangatho. Yeka ukuthenga yonke loo miqobo efana neyo-izinto ezikugcina uvalelwe ngemali.
Shayela imoto endala, phila kwindawo encinci yokuhlala, kwaye ugcine indlela yokuphila engaxhamliyo xa ugxininisa iindlela onokunyusa ngayo imali engenayo kwaye ufumane ngaphezulu.
Unako ukunikela iminyaka yakho engamashumi amabini ukuze uzibeke kumendo wezemali . Ixesha lakho elizayo liya kukubulela.
Isishwankathelo, gxininisa kwiindleko zezindlu kuqala, kwaye uvumelane nokuba unokuhlala nabantu ohlala nabo ixesha elifutshane. Xa usuphelile, yenza ingqalelo kwiindleko ezinkulu ezilandelayo: ukuthutha.
Ukuchitha ngaphantsi kweThuthi
Ngaba unelungelo lokuhlala kwindawo apho uhamba ngeendlela zokuhamba zithuthi okanye ngokuhamba ngebhayisikili kwaye ukuhamba kuyenzeka? Emva koko yenza yonke imizamo yokuhlala kwisiseko se-transitary-based or walk-based bicycle-based life long as you can.
Khumbula ukuba i-petroli akuyona yindleko yakho ehambisana nemoto . Njalo inyanga onayo imoto, uhlawula i-inshurensi, ukulungiswa, ukugcinwa, kunye nokuhla kwexabiso lemoto.
Ingongoma yokugqibela, ukuhla kwexabiso lemoto, yimbi kakhulu njengoko kungabi yindleko abantu abavakalelwa ngayo.
Kungenxa yokuba akusiyo ibhilikhi yangempela oya kuhlawula. Nangona kunjalo, oko akukwenzi kube ngaphantsi kweendleko. Ukuncitshiswa kweemoto kuyayisusa imali yakho, ngamanye amaxesha kuya kumawaka eedola ngonyaka.
Ukude ufumane ngaphandle kokuba nemoto, ngcono. Kodwa ukuba uthenge imoto, yenza yonke imizamo yokuhlawula imali ngemoto endala .
Imoto yokuqala endiyithengayo yayiyi $ 400. Akuyiphutha; Abantu abaninzi bacinga ukuba ndilahlekile. Ndaqhuba loo moto ngeminyaka-nangesiqingatha kwaye kamva ihlaziywa kwisithuthi esabiza i-$ 3,000. Ndazihlawulela abo babini ngemali.
Ukuthenga imoto engabonakaliyo esetyenziswayo, ngokuchanekileyo ngemali, kuya kunciphisa uxinzelelo lwakho lwezezimali, ukuphucula umbane wakho, kwaye kukunike ezinye iindlela zokukhetha.
Ukusika iindleko zokutya
Ekugqibeleni, indleko enkulu yesithathu ininzi abantu abajongene nayo yindleko zokutya. Abantu abancinci, ngokukodwa, banokuhlawula imali eninzi yokutya okulungiselelwe, kuquka ukutya kokutya, ukuhanjiswa, nokukhupha. Xa unako ukuphepha okanye ukunciphisa ezi ndleko , bhetele.
Andiyiphakamisi ukuba ngumpheki we-gourmet ngaphandle kokuba yinto yakho yokuzilibazisa kwaye unayo ixesha lokuzibandakanya kuyo. Musa ukubanjwa kwindlela yokuphila eyenziwa ngamaphephancwadi okupheka kunye newebhusayithi. Kuphela kufuneka ufunde ezimbini okanye ezintathu zokutya ezisisiseko ezisempilo , uphinde uziphephe ngokuphindaphindiweyo. Ngokomzekelo, unokufunda isidlo saseMexico, i-carb ephantsi ye-Italian Dish, kunye nesitya seThai.
Ukupheka nje ezo zondlo zantathu, ukutya ngasinye ngesibini ngeveki, kuya kukunika inani elincinci leendidi. Kuya kunciphisa amanqanaba akho kunye nokunyusa ukusebenza kwakho. Ngeke ube nexhala malunga nezinto zokutya eziza kuthatha okanye ixesha eliza kuchitha ukupheka ngenxa yokuba uhlala ukhonjiswe phantsi. Enyanisweni, unako ukupheka yonke into ngeCawa, uyibeke efrijini okanye efrijini, kwaye uyayifaka yonke iveki.
Ukwenza iNgeniso Yecala
Ngoku ukuba uye waqwalasela iindidi eziphezulu zokuchitha imali , lixesha lokuguqula ingqwalasela kwelinye icala. Kufuneka ufumane iindlela ezongezelelweyo zokuphucula umvuzo wakho.
Usebenza ngokubanzi kumsebenzi wezinga lokungena, oku kuthetha ukuba mhlawumbi awufumani nto. Enye yezona ndlela ezifanelekileyo zokunyusa umthamo wakho, ikakhulukazi kweli nqanaba lomdlalo, kukujonga amathuba okufumana imali ngentsuku neveki.
Ngaba unako ukuzimela okanye uthintane ngaphakathi kwintsimi yakho ? Ukuba uthe wabandakanyeka ekuthengiseni okanye kwi-PR, okanye ukuba ungumkhulu wesiNgesi, unokukwazi ukufumana imisebenzi yokuzimela njengombhali. Ukuba unomsebenzi wobugcisa, unako ukukwazi ukuzimela ngokuzimeleyo njengomyili wezobugcisa.
Cinga ngeziphi izakhono onokuzibonelela ngazo ukuba abanye abantu baya kufumana ixabiso, baze babuyele kwi-intanethi ukukhangela i-marketplace kwezo zakhono. Sebenzisa ixesha lokunxibelelana nabanye abantu abafumana ixeshana okanye ixesha elizeleyo baphila kunye nezo zakhono, kwaye ufunde iiblogi okanye iincwadi ezipapashiweyo ukuze zifumane iinkcukacha malunga nendlela onokuqalisa ngayo ukungenisa imali engenayo.
Ukuba awuqinisekanga ukuba yiziphi izakhono zobugcisa ongazinikela, okanye ukuba awufuni ukwenza loo nqanaba yokuzibophezela kunye nomzamo, enye enye ingaba kukuthabatha amashishini ambalwa alindileyo, ukukhanya kwenyanga njenge-bartender, okanye i-babysitting.
Cinga ngendlela ofumene ngayo kwiikholeji, kwaye uqhubeke kunye naloo mzila iminyaka embalwa. Khumbula, akudingeki ukuba wenze njalo ngonaphakade, kodwa uchitha iminyaka emininzi efumana imali encinci ngoku kungenza umehluko omkhulu kulondolozo onalo .
Ukuxubusha Iminikelo Yemivuzo Yomhlala- phantsi
Ngoku ukuba sifikelele ukugcina nokufumana, ixesha lokuba sigxininise oko kufuneka uyenze nale mali eyongezelelweyo kwibhajethi yakho.
Okokuqala, fumana ukuba ngaba umqeshi wakho unika umnikelo olinganayo we-401k . Ukuba kunjalo, faka imali eyaneleyo kwiakhawunti yakho yomhlala-phantsi ukuba uyisebenzise ngokugcwele kulo mdlalo. Ukuba awukho, ushiya imali etafileni.
Yiyiphi igalelo elifanayo? Makhe sicinge ukuba wenze i $ 50,000 ngonyaka. Unquma ukubeka iipesenti ezi-5 zengeniso, okanye i-$ 2,500 ngonyaka, kwi-401k yakho. Umqeshi wakho unika umdlalo we dollar-to-dollar ukuya kuma-5 ekhulwini, oku kuthetha ukuba umqeshi unika i-$ 2,500 eyongezelelweyo kwi-401k yakho. Ngoku unayo i-$ 5,000 kwi-akhawunti yakho yokuthatha umhlalaphantsi, kuphela isiqingatha saso esaphuma kwi-paycheck yakho.
Ndiyathemba ukuba kutheni le nto ibaluleke kakhulu ithuba lokuphuma ngaphandle. Ukusebenzisa ngokugqibeleleyo umdlalo wakho womqeshi kufuneka ube yinto ebaluleke kakhulu kuwe, nangaphezulu ngaphezu kokukhawuleza ukuhlawulwa kwetyala lakho.
Ukuthetha ...
Iimboleko zetyala
Ukuba unamatyala, kufuneka ukhangele yonke into. Unokuyalela amatyala akho ngenye yeendlela ezimbini :
Umyinge wokuNomdla: Bhala uluhlu lwamatyala ngokumalunga nomyinge wenzala, ukusuka phezulu ukuya kweyona ndawo. Yenza inkokhelo encinci kuyo yonke amatyala, kodwa ke uphonsa yonke imali yakho eyongezelelweyo kwi-matyala ngenani lentlawulo ephezulu. Qhubeka uguqa kude kube kude ude.
Ngokulinganisa: Bhala uluhlu lwakho lwamatyala ngenjongo yokulinganisela ukusuka kwi-lowest to higher. Yenza inkokhelo encinci kuyo onke amatyala, kodwa ulahle yonke i-dime yengeniso yakho eyongezelelweyo kwi-matyala kunye nenani elincinci. Emva kokuba uyihlawule, uya kuziva uloyiso lwengqondo lokugqithisa le matyala kwiluhlu lwakho. Oku kuya kuba ngumnqweno wokuqhubeka nokuhlawula ngetyala lakho ityala.
Zomibini zezi zikhokelo zentlawulo ezithandwayo, kwaye akukho khetho lu bhetele okanye lubi ngaphezu kwesinye. Khetha yonke into ekusebenzela yona.
Akukho ndawo ekubanjwe kuyo kwingxoxo-mbono malunga neendlela ezimbini zokubuyisela . Umbuzo obaluleke kakhulu ukuba ngaba unayo iziphumo. Khetha isicwangciso esinokukunceda ufikelele inkululeko yesikweletu.
Ukusungula iNgxowa-mali yokuPhepha
Ekugqibeleni, yakha ingxowa-mali engxamisekileyo emele ubuncinane kwiinyanga ezi-3 ukuya kwezi-6 zeendleko zakho zokuphila. Abanye abantu bathabatha eli nyathelo kwaye bacebisa ukuba iifowuni yakho ikhupha iinyanga ezi-6 ukuya kwe-9, kodwa ukususela ekubeni siqalise, sijolise kwiinyanga ezi-3 ukuya kwezi-6, eziza kuziva zisongela. Khumbula, unako ukugcina ixesha elide emva koko .
Gcina i-fund yakho yexakeka ngokukhawuleza ihluke kwii-akhawunti zakho. Awufuni ukudibanisa oku kunye nolondolozo olubekelwe eceleni kwiindleko zonyaka, njengeeholide okanye iholide.
Gcina ingxowa yakho yexakeka ngokukhawuleza kwaye ungaphandle kwengqondo ukunika ithuba elihle lokuba ungayifaki nayiphi na ixesha xa ufumana ufutshane emfutshane ngemali.
Okwangoku, kwi-akhawunti yokugcina imali, ugcine imali yeendleko zonyaka okanye ngezihlandlo ezifana neeholide, ukuhamba, iindleko ezihambelana nomtshato (oko kukuba ngumfazi oza kutshata okanye abantu abahlala emishadweni yabahlobo!), Ukulungiswa kwemoto rhoqo kunye nokugcinwa, okwenza i-deposit deposit kwihostela ngoxa usaphila kwihostela yakho yangoku, kunye naziphi na ezinye iindleko ezivela kwisiseko esingenasici kodwa esichaziweyo.
Iingcamango Zokugqibela zokuzibeka kwiMpumelelo yeMali
Ukuqala kobomi bakho abadala kunokuba nzima ngenxa yeendleko ezininzi ezithintelayo ngexesha elifanayo. Ufuna indawo yokuhlala, kwaye kufuneka uhlawule iimpahla, ukuthutha, ukuhamba ngesinye isikhathi, kunye nezinye iindleko ezihamba nomntu omdala.
Ufanele uhlawule ngeli xesha xa ungenayo imali eyimfuneko okanye imali (ngenxa yokuba ungumntu omdala ukuba ube ngumdala), kwaye ngelixa ufumana imali yokuhlawula inqanaba lokungena.
Isihluthulelo sokuhamba ngeendlela zonke kukuphila ngokubanzi phantsi kweendlela zakho nokugcina iindlela zokufumana imali engaphezulu. Ngokuxhomekeke kulohlobo lomsebenzi onalo, unako ukukhawuleza ukukhuthazwa emsebenzini, ukudala umgca wokufumana imali, okanye zombini.
Ukuba unako ukwandisa umvuzo wakho ngelixa uqhubeka uhlala njengomfundi wekholeji kwiminyaka embalwa nje ixesha elide kunokuba luyimfuneko, unokuqalisa ubomi bakho kwizinyawo ezinamandla.