Iindlela ezizodwa zokwandisa iiNgxowa-mali zakho ezifumanekayo kuTyalo-mali
1. Musa ukusebenzisa amakhadi-mboleko. Endaweni yoko, sebenzisa amakhadi enkokhelo avelisa amaphuzu ukunceda ukwelula amandla akho okuthenga.
Njalo inyanga, uhlawula ukutya, i-petroli, inshuwalense yemoto, kunye nezinye izinto ezifunekayo ukuze ufumane kwihlabathi lanamhlanje. Kuya kuba yindalo ukubeka ezi kwikhadi lakho lekredithi kuba ixabiso lentengo liphezulu kakhulu, uya kungena ngokukhawuleza ukufaka imali embi (apho iintlawulo zakho zingagcinanga umlinganiselo wemali mboleko ngokwayo, okwandisa ngexesha elidlulayo) .
Indlela engcono yakuba kukusebenzisa ikhadi elihlawulwayo elifuna ukuba uyihlawule yonke ibhalansi ekupheleni kwenyanga nganye, ngoxa ngexesha elifanayo uvelise amaphuzu ongawahlawulela ngemali okanye umvuzo. Ngokomzekelo, ukuba iindleko zendlu yakho zisebenza, zithi, i-$ 385 nganye ngexesha lokuhlawula, okanye i-$ 10,000 ngonyaka, abanye abahlawulisa amakhadi avela kwiibhanki zinikeza ubuninzi be-3% okanye i-5% yemali emfutshane, eyongezelela i-$ 300 okanye i-$ 500 kwiifokethi nganye unyaka.
Ukuba ungeze kwi- 401 yakho (k) okanye i- Roth IRA kwaye ufumene i-10% ngonyaka, isilinganiso sembuyekezo sokubuyisela i-stocks ngekhulu leminyaka elidlulileyo okanye ngaphezulu, uza kuba phantse i-$ 82,250 ngemali eyongeziweyo ngaphezu kweminyaka engamashumi amathathu. Oku kufuneka kuvelise ingeniso yentlawulo emva kwentela ye-$ 4,112 ngonyaka, okanye i-$ 342.70 ngenyanga.
Ngokutshintsha nje indlela ochitha ngayo, kungekhona nangomlinganiselo, unokuphelisa ngemali eninzi ephakamileyo lakho.
2. Yandisa i-pie ngokuvelisa imali engenayo ngaphezu kweendleko zakho ezihleliweyo.
Umsebenzi wakho wosuku uhlawula zonke iindleko zakho eziqhelekileyo. Ihlanganisa ukutya kwakho, indawo yokuhlala, izindlu zangasese kunye nezinye iimfuno ezisisiseko. Kuya kuba nzima ukunciphisa iindleko ukuba sele uhlala phantsi. Esikhundleni sokusila iipayi kwiinqununu ezahlukeneyo nokunciphisa umgangatho wakho wokuphila, cinga ukwandisa i-pie ngokufaka ingeniso enenzuzo kakhulu kwimali yakho engenayo. Kwixesha elidlulileyo, ndabhalwa malunga nelungu losapho lwam osebenza kwi-airline enkulu esebenzisa loo msebenzi ukuze ahlawule iindleko zakhe zokuphila, iminikelo yomhlala-phantsi, kunye neenzuzo zezempilo, kodwa waqalisa ishishini le-intanethi ukuze yonke imali eyimfuneko ukwakha iphothifoliyo yakhe yokutshala imali , ukuthenga indlu enoneni, kwaye ufumane umgangatho wefenitshala ayifunayo.
Oku kuya kukunceda ubone impembelelo esheshayo kwimilinganiselo yakho yokuphila kuba utyalo-mali ludinga umlinganiselo othile wobunzima obukhulu ngaphambi kokuba imali iqalise umbandela (umzekelo, inzuzo ye-10% kwi-portfolio ye-$ 10,000 yi-$ 1,000 kanti inzuzo efanayo kwipotifoliyoni eyi-3,000,000 i-$ 300,000 - imali engaphezulu kwiedola ezilinganayo ngenani elifanayo lomngcipheko, umvuzo kunye nomgudu).
Ukuba uqala ishishini, unokwenza uphumelele kwaye wenze i $ 300,000 ukuba ungabi nantoni na ukuba usebenza kanzima.
3. landela ithuba.
Ukuba uhlala kwindawo okanye usebenzele inkampani engenalo ithemba lokuchuma kwexesha elide, phuma kwi-butt yakho kwaye PHAMBILI! Andikhathalele ukuba yindlu yakho - okhokho bakho babefanele benze ukhetho lokulandela ubomi obungcono kwaye yile ndlela ophelile ngayo kwindawo yokuqala. Ukuba ufumana njengomsebenzi wemihla eCalifornia, usenokuhlawula i-$ 50 ngosuku ngosuku lokulala-i-$ 1,500 ngenyanga. KwiMiddle Midwest, unako ukufumana imali yokubolekisa ngemali kwikhaya elihle malunga nesiqingatha saloo nto! Uhlala kwindawo yempikane? Hambisa! Uhlala kwisixeko sangaphakathi kungekho namathuba emisebenzi? Hambisa! Xa ukuzingela amathuba, kuninzi ukuloba ngoba kukho indawo eyahlukeneyo apho wonke umntu, kungakhathaliseki ubuchule, ulawula ukuthatha into kunye nabanye apho kukho umzabalazo onamandla kakhulu wokubamba intlanzi encinci.
4. Yenza imali edala imali, kwaye ungadeleli usuku lwezinto ezincinane zokuqala.
Qaphela ukuba oku kuhluke kwimibolo emibini (jonga ngasentla). Xa sithetha ngokuvelisa imali engenayo ukwenzela ukwandisa i-pie yakho engenayo ejongene nomsebenzi wakho, okanye iinzame. Oku kuqhubana nendlela otyalo-mali ngayo imali okanye imali.
Yinyaniso unokwenza imali eninzi eneemifanekiso kunye nezinto zokuqokelela. Xa uqala, nangona kunjalo, uya kufumana ubunzima obukhulu kakhulu ukuba unayo i-asethi eyenza imali kunokuba uhlale unemali ezayo kwiakhawunti yakho yasebhanki, ukubonelela ngokukhululeka kunye nokuguquguquka. Njengoko umbhali omnye ubonise ngaphambili, ukuthenga i-suit ye-$ 800 ayenzi nto eninzi xa ungayithengisa i-5% kuphela okanye i-10% yexabiso layo kwi-garage yokuthengisa. Imali efanayo esetshenziselwa ukuthenga umzekelo omdala wokuthengisa umatshini kunye nokubeka kwiofisi exakekileyo ayiyi kugcina kuphela ixabiso layo (unokuhlala usithengisa umatshini), kodwa unokunika imali engenayo njengoko uchithe imali yebhanki yemali yonke imihla kubathengi bakho.
Usenokuthi, "Yintoni endiyenzayo?" Kwaye uphonsa izandla zakho phezulu emoyeni. Ububutyebi bam buqalisiwe kunye nam kuqala "i-generator cash" ehlawulwe i-$ 16.44 engekahlawulwanga yerhafu ngosuku. Ngoku, emininzi kwiminyaka kamva, leyo yiphutha lokujikeleza kuwo onke amashishini am. Njengoko uKumkani uSolomon wathi: Musa ukuyidelela imini yokuqala okuncinci.
Ulwazi olungakumbi malunga nokuSindisa iMali
Ukufumana ulwazi oluthe xaxa malunga nendlela onokuqalisa ngayo ukugcina imali, funda i-Guide Complete Beginner Yokugcina Imali .