Uphuhlise ezi Zakhono zoLawulo lweMali ukufumana iimali zakho phantsi kolawulo
1. Hlela iinjongo
Ukuba awunayo indawo ekujoliswe ngayo ukusebenzela kuyo kunzima ukufumana isizathu sokugcina.
Ingaba yindlu oye wayibona okanye umhlalaphantsi wakho , qwa lasele ngokucacileyo ezi njongo uze ubone ukuba uzakufuna phi ukugcina ukuze wenze isicwangciso sokufika apho.
2. Qala ngokukhawuleza njengoko Unako
Ngaba wakha weva malunga nomdla? Le nqubo ivumela ukuba umdla onokonga lwakho ufumane inzala engakumbi. Ngokukhawuleza uqala ukulondoloza umhlalaphantsi, ixesha elide lakho imali kufuneka ikhule kwaye isebenzise inzuzo yenzalo. Ixesha ngokwenene likhokelo elinamandla ekutsaleni kwakho imali ukwenzela ukuba ulinde iminyaka embalwa ukuqala ukugcina kunokunciphisa kakhulu ubungakanani beqanda lakho lokuhlala umhlalaphantsi.
3. Yenza okuncane kunokuba wenze
Kuyinto elula kakhulu kwilizwe elixhaswa ngabathengi ukuba baphile ngaphaya kweendlela zethu kodwa umthetho olungileyo wezithupha uzama ukugcina ubuncinane ubuncinane i-15 ekhulwini yengeniso yakho. Ukuba ufumanisa kulula ukuchitha imali ngokuzama ukuhlawula izinto ezifana neengubo kunye nokutya ngemali endaweni yekhredithi okanye ikhadi le-debit.
Ukurhoxisa imali ehleliweyo rhoqo ngenyanga kukunceda uqonde ngakumbi kwaye wenze ukhetho olungcono lwemali.
4. Yenza uhlahlo lwabiwo-mali
Uhlahlo lwabiwo-mali ludlala indima ebalulekileyo ekuhlawuleni amatyala, ukulawula imali yakho kunye nokuhlala kwindlela ekujoliswe kuyo. Kulula ukuchitha ezinye iintsuku ezongezelelweyo kunezinye, kodwa ukuba unayo ibhajethi kwindawo okanye usethe umda wokusetyenziswa kwansuku zonke uya kukwazi ukulungelelanisa nokwenza nayiphi na into engaphezulu kwenye imini.
5. Faka i-Savings yakho kwi-Autopilot
Yenza umrhumo wakho wokulondolozwa ngokuzenzekelayo wehliswa kwi-paycheck yakho nge plan 401k kunye / okanye idiphozithi ngqo kwi-akhawunti ye-brokerage. Ukuba ubeka imali ngaphandle kokuba ubone oko awuyi kuphona.
6. Njalo Thatha imali yamahhala
Ukuba umqeshi wakho unikezela ukulinganisa ipesenti yomnikelo wakho we-401K - kwaye uninzi-ukwandisa loo nzuzo ngokufaka isandla kumda wokulinganisa. Abaqeshi abanikelayo ukufanisa igalelo lakho baya kukwenza ukufikelela kuma-3-6 ekhulwini lomvuzo wakho wonyaka. Ngoko ke, ukuba wenza i-$ 50,000 kunye nomphathi wakho ulingana nama-401k ukuya kuma-5 ekhulwini, qi ni sekise ukufaka i-$ 2,500 kwi-nyaka.
7. Musa ukuya kwiNdlu eLahlayo
Qaphela ukuba ungathengi ngaphezulu xa uthengela ikhaya elitsha. Inkokhelo enkulu yokuboleka imali ingakubuyisela ngokulondoloza kwakho. Zama ukucinga ngento oyifunayo ngokwenene ekhaya lakho ukuze ube nenkululeko yokuchitha ezinye izinto eziyimfuneko.
8. Zikhusele
Isicwangciso sezimali esigqibeleleyo siquka amalungiselelo okukhusela ubomi bakho nekamva lakho. Iinshorensi yobomi kunye nokucwangciswa kwezinto eziyimpahla kubalulekile ekuqinisekiseni ukuba uxanduva lwakho kubathandekayo bakho ludibene, nangemva kokuba uhambe. Qala ukuthenga i-inshorensi yobomi ngokukhawuleza ukuba unokungenayo kakade.
Ngokukhawuleza ukuba oko kwenziwa, yenza intando yakho kwaye uyifake. Ungasebenzisa igqwetha okanye inkonzo esemthethweni esemthethweni njenge-LegalZoom.com.
9. Musa ukuvumela iNdlu yezeMali ukuba ixhomekeke kuwe
Umkhulu wemali uDave Ramsey uye waphawula ukuba "iipesenti ezingama-80 zemali yomntu siqu" ayiyiyo imfundo. Ngokuchasene neenkolelo ezidumileyo akudingeki ukuba ube yingcali yezemali kwimarike yemasheya ukuqala ukwakha iphothifoliyo yakho nokulungiselela ikusasa. Yonke into oyifunayo ngokwenene kukusebenza ekwakheni isicwangciso esiqinileyo oya kuzinikela kwaye unamathele ngaphezu kweminyaka.