Isikhokelo esiSebenzayo sokubeka Ubomi bakho kwiNdlela yokuphumelela
1. Yazi into oyifunayo
Yiba nenjongo ecacileyo yemali yonyaka.
Akulungele ukusho, "Ndifuna ukuba nekhadi lam credit card lihlawulwe kunye nemali eninzi ebhankini." Endaweni, kufuneka ubhale isisombululo sezimali esicacileyo kwaye senze into enjengeyo, "Ndine-balance in my credit ikhadi lihlawulwe ukuya kuma-$ 0, ngaphezulu kwama-5,000 kwi-akhawunti yam yokulondoloza, kunye ne- IRA exhaswa ngokupheleleyo. "
2. Ukubeka phambili iziTyala zakho
Akukho matyala alinganayo. Yenza uluhlu lwamatyala akho kwaye uzilungiselele ngenani lentengo yonyaka . Abo banamanani aphakamileyo (amaninzi amatyala ekhredithi lakho ) kufuneka ahlawulwe ngokukhawuleza. Akukho nto ekutsaleni imali ngelixa uhlawula ipesenti ezingama-19 okanye ngaphezulu kwinzala ngamnye ngonyaka. Kwiimeko ezininzi, i-course yezenzo zobulumko kukuba uthengise nayiphina isitifiketi se-deposit , ukugcinwa kwezibophelelo, okanye ezinye iimali zezimali kunye nokuzisebenzisela ukuhlawula imali epheleleyo okanye inxalenye. Ngoba? Ukuba unetyala elingu-10 000 kwikhadi lakho lesikweletu kwaye uhlawule inzala engama-19 ngonyaka (i-$ 1,900 ngonyaka), ngoxa ngexesha elifanayo, unayo isitifiketi se-deposit ye-$ 10,000 ebhanki, ukuhlawula inzala ye-4 000 (i-$ 400 ngonyaka), ngaba zizisindise i $ 1,500 ngonyaka ngokwenza isisombululo sokuhlawula ityala!
3. Vula i-Akhawunti yoMhlala-phantsi (IRA)
Ukuba awuzange wenze njalo, vula i-akhawunti yomhlala phantsi kwaye uqale ukwenza iminikelo kuyo . Umcwangcisi wakho wezemali okanye i-akhawunti-mali kufuneka akwazi ukukuxelela ukuba i- Traditional okanye i-Roth IRA ingcono kuwe. Bobabini banikela iingeniso ezibalulekileyo zerhafu ezingabongeza kwixabiso elithile lemali ngomhlalaphantsi.
4. Bhalisa kwiSicwangciso soNcedo lokuSindisa (ASP)
Izicwangciso zokulondoloza ngokuzenzekelayo zinikezelwe yonke into evela kwii- akhawunti ze-brokerage ukuya kwiibhondi zikaRhulumente. Ngokuqhelekileyo, unokugqiba ngokulula iifom zee-intanethi, okanye uzenzele nje umthengisi wakho kwaye ubatshele ukuba ufuna imali ethile ehoxiswayo kwi-akhawunti yakho yokujonga okanye yokulondoloza inyanga nganye, ngomhla othile, kwaye ufakwe kwi-akhawunti yakho yokutshala imali. Ukuba isisombululo sakho sezimali kukugcina imali engakumbi, usebenzisa isicwangciso sokulondolozwa ngokuzenzekelayo ukuba ulandele ngenxa yokuba imali ikhatywe ngqo kwi-bhanki yakho ngaphambi kokuba ufumane izandla zakho kuyo. Abatyalomali banokuthi babhalisele i-ASPs ngokusebenzisa isicwangciso sokuthengwa kwesitokethi esithe ngqo. Kule meko, imali ihoxiswa kwaye isetyenziswe ukuthenga izabelo ezongezelelweyo zesitokisi kwinkampani ethile. Urhulumente waseUnited States unikezela inkonzo efanayo nalabo abanomdla wokutshala imali kwiimbophelelo zokugcina imali.
5. Vala iAkhawunti ezingabalulekanga
Amabhanki kunye namaziko emali ahlawula imali yonke into phantsi kwelanga. Ingaba kuyimfuneko ukuba ube neenkredit ezininzi okanye ukhangele iakhawunti? Nangona kukho ukungabikho, kwiimeko ezininzi kwiimpendulo ayikho iqinile!
6. Yenza Imali Ukwenza Oko Uthandayo
Uninzi lwabantu lingaba negama ubuncinane into endiyithandayo.
Enye yeendlela zokunandipha umsebenzi wakho kukukwenza kuphela izinto ozithandayo. Fumana indlela yokuguqula izinto zakho zokuzonwabisa kunye nezenzo zokuzonwabisa. Ihlabathi lizele imisebenzi emangalisayo efana ne-ice cream tasters kunye nabahloli beemidlalo zevidiyo!
7. Qoqa iinguqulelo zakho
Naliphi na ixesha uhlawula izinto ngeengxowa-mali, sebenzisa kuphela imali epheleleyo yamadola. Ukuba uya kwivenkile kwaye inani lakho lokuthenga lifika kuma-67.39, uhlawule i-$ 70 ngenkokhelo uze ufake iinguqu. Into yokuqala omele uyenze xa ubuyela ekhaya ukuphonsa imali kwisibinsana esikhulu (iigubhu zamanzi ezingenanto zigqibeleleyo). Cinga nje ngebhanki ye-piggy kubantu abadala. Ukuba unamathela kulo mgaqo-nkqubo kwaye ungayisebenzisi nayiphi na utshintsho, unakho ukugcina amawaka angamawaka eedola ngaphaya kwonyaka. Sebenzisa imali ukuhlawula ityala , ukuthenga izitokhwe kunye nezibophelelo , okanye uye eholide.
8. Nika imali
Ndithethile oku ngaphambili kwaye ndiya kuphinda ndiphinde ndithethe kwakhona: enye yezona ndlela ezigqwesileyo zokubona ukuxabiseka kwemali kukunika omnye umntu. Ngexesha elizayo xa ufumana i-paycheck yakho, thabatha ama-5 ekhulwini lomvuzo wakho ngemali (i-greenbacks ephaketheni lakho iya kwenza ukuba kubonakale kunene kunene ukuba ubhala nje isheke okanye usebenzisa ikhadi lokukhangela). Hamba waya kwi Starbucks okanye kwi-Dunkin 'Donuts kwaye ungabhawule ngokungahlawulwanga omnye umthengi ngokusemgangathweni. Ukuba udlula umntwana eWal-Mart ekhangela umdlalo omtsha wevidiyo, thatha i-wallet yakho uze uyithenge yona. Kuzo zombini iimeko, abafumanayo bayaqiniseka ukuba bakhumbula ububele bakho kwiminyaka ezayo. Yindlela enamandla kunye neyobuchule yokutshintsha ubomi babantu bokuba bhetele xa bekunika inkululeko engcono inkululeko yemali. Ngokukhawuleza, uyazi ukuba i-$ 20 engakanani isithembiso.
9. Qalisa usebenzisa i-Personal Finance Software
Musa ukulila, kodwa ulwazi lunamandla. Ukuba ndabuza abantu abalishumi kwisitrato ukuba bachithe ixesha elidlulileyo kunyaka odlulileyo kwiikhenkethi okanye kwiikitikithi ze-movie, mhlawumbi abayisithoba kubo abazange baphendule. Ngeenkqutyana ezimbalwa, nangona kunjalo, umntu osebenzisa isoftware yezemali angayifumana. Nazi iindlela zokulandelela iifomali zakho kunye notyalo-mali . Ngokomntu, ndiprinta ingxelo ngasekupheleni kwayo yonke inyanga kaDisemba kwaye ndichithe ngokuhlwa ngokufunda nokuhamba ngenzuzo yam kunye neendleko zonyaka. Ndisoloko ndamangalisa ngemali endiyichitha kwizinto ezincinane ezifana ne-20oz ngezihlandlo. ibhotile yeCoca-Cola.
10. Funda iNcwadi yeMali nganye ngenyanga
Ukuba ufuna ukufunda ukupheka, ufunda iincwadi zokupheka kwaye uchitha iiyure ngeveki ekhitshini. Ukuba ufuna ukufunda ukulungisa injini, ucela umntu ukuba akubonise. Igama eliprintiweyo liyamangalisa kukuba kukuvumela ukuba uthethe ngokuthe ngqo kunye neengcinga zezimali ezintle kakhulu kwixesha elidlulileyo. Ngokuqokelela ikopi ye -Intelligent Investor , One Up Wall Wall , okanye i- Stock Commons kunye neNzuzo engaqhelekanga , unokufundiswa indlela yokuxabisa utyalo-mali, ukumisela iphothifoliyo yakho, kwaye ubone iimpawu zesikhwama sokukhula esikolweni ngokuthe ngqo kumadoda ngubani owenze ngoku ngempumelelo. Kwiphepha lesicatshulwa, ukufa kwabo, umhlalaphantsi, okanye indawo ebonakalayo yenziwe ingenanto, kodwa iingcamango zabo, ifilosofi kunye nezobugcisa zihlala. Kufana nokuba umema uBenjamin Graham okanye uFilip Fisher ekhaya lakho ngokukhangela ikopi yomsebenzi wabo kwaye uphendule iphepha elilandele iphepha. Ukuzibandakanya ngokuzenzekelayo ukuba ufunde ngokubanzi njengoko unako malunga neemarike zemali, uhlobo lwemali, kunye notyalo-mali ngokubanzi, kubaluleke kakhulu ekudaleni ubutyebi besikhathi eside .