Ewe, uphando olusuka kwiYunivesithi yaseScranton lubonise ukuba kuphela iipesenti eziyi-8 abantu abakwazi ukwenza oko.
Kodwa akufuneki ukuba yinto / okanye, ngakumbi xa kuziza kwizigqibo ezinxulumene nemali yakho. Isibalulekileyo: ukusekela iinjongo ezincinci ezilula ukuphumeza ngokusemandleni. Ngaloo nto, sikufumene uchungechunge lweengcebiso "zezandla eziphantsi". Imisebenzi esiyibeke ngayo kufuneka ithathe imizuzu engama-30 okanye ngaphantsi ukugqiba, kodwa inokubangela umvuzo omkhulu kowomnyaka ozayo kunye nomgca.
Yenzekelayo ukuze ulondoloze ngaphezulu ...
Mhlawumbi umsebenzi owona mnye unako ungakwenza ngoku ngoku ngokukhulu kunene kwixesha lakho nemali kunyaka ozayo? Faka imali yakho kwi-pilot-pilot. Ukuba usuvele ubhaliswe kwisicwangciso somhlala-phantsi wendawo yomsebenzi kwaye awukwazi ukukhupha, khulisa igalelo lakho ubuncinane ngeepesenti eziyi-1, uze usethe uqaphiso lwekhalenda kwiinyanga ezi-6 ukusukela ngoku ukukwenza kwakhona. Ukuba awunayo icebo lomsebenzi, qulunqa yakho kwifom ye- IRA okanye i-Roth IRA , kwaye yenza igalelo ngokuzenzekelayo.
(Cwangcisa iindlela zokuqwalasela zilapha kwaye apha.) Emva koko, qalisa uhlobo olufanayo lwe-set-it-kwaye-libale umnikelo kwi-akhawunti yokulondoloza impilo, ii-akhawunti ezingama-529 zokulondoloza iikholeji kunye ne-akhawunti ye-vanilla yokugcinwa kweengxamiseko.
... kunye nokuphepha iifizi.
Ukuhlawulwa kwexesha elide okanye elingaphuthelwayo nayiphi na uhlobo kunokubangela iintlawulo ezongeziweyo kwaye kubangele uxinzelelo olungadingekile.
Ezinye zazo zinokulimaza kakhulu amanqaku akho okwekhredithi (ngamanqaku angama-88, ngokweSimulator yamanqaku eStraUnion). Ngoko thabatha imizuzu embalwa ukuya kwiiwebhusayithi zezinto zakho zokusebenza, iinkampani zomshuwalense, iinkampani zekhadi lesikweletu kunye nawaphi na ama-billers aqhelekileyo ukusetha iintlawulo ezizenzekelayo. Ukuba unenkxalabo malunga nokuhamba kwemali, fowunela kwaye utshintshe ibhilikhi yenyanga nganye imihla efanelekileyo ukwenzela ukuba ilungelelanise ngakumbi kuhlahlo lwabiwo-mali, utsho uRod Ebrahimi, usomashishini kunye nobungcali besikweletu somntu.
Finyelela ezinye iindleko ezingqondweni
Ukuba unenkathazo yokugcina umnyaka-nangonyaka-uphume, khuphela i-Digit. Lolu hlelo lokusebenza lokulondoloza oluhlalutya iipateni zenkcitho yakho yodwa, ngoko-ke iisokisi zithule ngaphandle kwemali encinci yemali ucinga ukuba awuyi kubona. Kukho umrhumo wenyanga wama-2.99 ngenyanga, kodwa umsebenzisi oqhelekileyo usindisa phakathi kwe-$ 80 kunye ne-170 kwinyanga. Le nkqubela.
Thatha ikhefu lokukhusela.
Le mihla, ukuphulwa kwedatha kuyinto eqhelekileyo kangangokuba awuyiva nangabo bonke. Nsuku zonke, iirekhodi zeedata ezidlula kwii-5.1 zibiwe, ngokwe-Index of Breach Level. Kuze kubekho urhulumente obala indlela engcono yokukhusela abathengi, ikhondo elifanelekileyo lokuthatha izinto kufuneka uthathe izinto ezandleni zakho. Okungenani kanye ngonyaka, nikela iingxelo zemali-mboleko kwi-once-over-you can download them all for free once ngonyaka kwi-AnnualCreditReport.com.
Emva koko, faka izilumkiso kwiiwebhusayithi zakho zeziko lezemali xa kukho ukuthengwa kwefowuni okanye ifowuni eyenziwe-okanye nayiphi na imali xa isetyenziswe kwansuku idlula inani elithile. Ekugqibeleni, cinga ukukhankanya i-credit yakho kuzo zonke ii-ofisi zemali ezintathu (i- Equifax , i-Experian ne-TransUnion) eziya kuthintela ababenokubakho abatsha ukuba bangene kwi-akhawunti yengxelo yakho yekhredithi kwaye ngoko ke, ukuvula ii-akhawunti ezintsha kwigama lakho. I-Credit freezes ifike ngeendleko kwamanye amazwe (ungakujonga apha apha), kodwa kwimeko apho, uya kuhlawulwa kuphela xa unqanda okanye ungafaki i-credit yakho.
Ukunciphisa iibhanki zakho kunye namazinga enzala.
Vimba imizuzu engama-15 kwikhalenda yakho ukubiza umncedo wakho, i-inshorensi kunye neenkampani zekhadi lesikweletu, kwaye ucele amaxabiso omncinci omncinci, izaphulelo okanye ukukhutshwa kwexeshana. Kuyafaneleka: Uphando ngeCreditCards.com lubonisa abangaphezu kwezibhozo kuma-10 aseMelika abanikazi bamakhadi ababizayo kwaye bacela ukuba bahlawule umrhumo wonyaka okanye wexesha elidlulileyo, umyinge wokunciphisa umlinganiselo okanye umlinganiselo wesikweledu ophezulu uphumelele.
Ihlawulela ukuba ibe mnandi kodwa iqine-kwaye, ukuba unayo ixesha elongezelelweyo, yenza uphando lwakho kumanani omqhudelwano ngaphambi kokubiza ngokukodwa kwi-deal. Ingqondo ekhethekileyo ukubiza inkampani yakho yekhadi lesikweletu ukuba icele ixabiso eliphantsi ukuba i-APR yakho ingaphezu kweepesenti ezili-15, u-Ebrahimi uthi. Kwi-inshurensi yemoto, cela malunga nezaphulelo ezisekelwe kubantwana bakho (ukuba ngaba ngumfundi olungileyo okanye kude nekholejini) kunye nawe (ukuba uhamba ngamamayela ambalwa kulo nyaka okanye usanda kuthatha ikhosi yokuzikhusela).
Hlalani phezulu kwerhafu yakho.
Xa ixesha lerhafu lifika, kudla kanzima ukukhumbula zonke iindleko ezirhoxisiweyo zerhafu ukusuka ekuqaleni konyaka. Kodwa ukungazigcinanga kweendleko zokuzingela umsebenzi, izipho ezinomdla kunye nezinye iindleko ezifanelekileyo zingakuhlawula imali eninzi emva kwendlela yokwehliswa. Umsebenzi okhawulezayo wamaminithi amabini ongayenza ngoku oya kukunceda uninzi lweentloko ziya kufika ngexesha lorhafu? Yakha ifolda kwi-imeyile yakho okanye kwikhabhinethi yakho yokufowunelwa (kuxhomekeke kwindlela osebenza ngayo ibhetele) ebhalwe ngokuthi "Ukukhutshwa kweRhafu," kusho uBenjamin Sullivan, umcwangcisi wezemali oqinisekisiweyo kwi-Palisades Hudson Financial Group. Emva koko, unyaka wonke, yehla kwiifom ze-W-2, iirisiti zemivuzo, irhafu yezindlu, iirisithi yomrhumo werhafu yomhlala phantsi kunye namanye amaxwebhu anxulumeneyo njengoko uwamkela. Oku kufuneka kukulondoloze ixesha kunye noxinzelelo kuvela entwasahlobo.
Qinisekisa ukuthenga ngobuchule.
Ukuphucula amava akho okuthenga ezithengileyo kunyaka ozayo kunye nezixhobo eziza kukugcina imali okanye ukubuyisela kwakhona. Okokuqala, yenza uncedo olukhulu lwekhadi lakho lesikweletu (elingaqhelekanga okanye elinzima ukuliqonda) ngokukhuphela i-app njengoWallaby, ekutshela ngokuzenzekelayo ukuba yeyiphi yamakhadi akho aya kukunika umvuzo omkhulu kunoma yikuphi ukuthenga. Emva koko, thabatha imizuzu embalwa ukuba ubhalisele i-portal-back portal njenge-Ebates. Xa uthengisa i-intanethi ngo-2018, ukufikelela kwiivenkile ohlala rhoqo kule portal kuza kukunika ipesenti zokukhawuleza. Ekugqibeleni, thabatha okwesibini ukukhuphela inkonzo yokuthengwa kwe-intanethi njenge-Honey, ngokuzenzekelayo uzame yonke ikhowudi yokuphuhlisa ifanelekile kukufumana ekuphumeni-kwaye igcine abasebenzisi abangaphezu kwezigidi eziyi-170 zamaRandi ukuya kutsho, ngokutsho komxhasi we-app uRyan Hudson.
Yakha yakho imantra yemali.
Okokugqibela, masiphefumule. Uphando olwenziwa nguSarah Newcomb, uqoqosho lwezoqoqosho kwi-Morningstar, lubonisa abantu abakholelwa ukuba balawulwa kwezimali zabo balawula imali yabo bhetele kwibhodi (imali, i-credit, saving and similar). Iziphumo zibonakala zinyanisekileyo kungakhathaliseki ukuba ingeniso, ubudala, imfundo kunye nezinye izinto. Yaye ukuba uvakalelwa kukuba umfanekiso wakho wezezimali uphumelele? Kubalulekile ukuthatha amanyathelo okutshintsha ukucinga kwakho. Njalo kusasa kwisibuko, sebenzisa ukuqinisekiswa ukwenza ukuba umbono wakho wemali uphumelele. Zama, "Ndilawulwa kwindleko yam yezimali," "Imali yam, ukhetho lwam" okanye "Ndibambe amandla ebomini bam bemihla." Ukuziva ngathi unayo imali yakho kukubalulekileyo ukwenza utshintsho oluninzi kulo nyaka-kwaye ngaphaya.
Kunye neHayden Field