Amanyathelo ezeMali okuThabathayo aya kukunceda Ukugcina imali
- Andiyazi ukuba ndingasindisa phi.
- Andiyazi indlela yokugcina.
- Andikwazi ukuyigcina.
- Andinayo imali eyaneleyo yokugcina.
- Amaxabiso enyukile kwaye ngoku andinako ukugcina.
Ukuba ufumene udibene nenye yezi zizathu ungaba nexesha elinzima ukufikelela kwisithintelo sengqondo esikuvimbela ukubeka eceleni imali ehleliweyo yenyanga nganye ngenyanga.
Cinga emva kweentsuku zakho kwiikholeji. Nangona uthanda umxholo, u-HATED one. Uya kulayibrari ngaphambi kokuba uvavanyo lukhuthazwe yi-grade bakala. Emva kokuba uqale ukuhlaziya iincwadi, uya kuphazamiseka ukuba awuzange uyiqonde. Emva koko, uya kuthatha ikhefu, ubuyele emuva, kwaye uqhubeke udidekile.
Yiloo ndlela abaninzi baseMelika abavakalelwa ngayo xa kuziwa ekugcineni. Ngokutsho kweWall Street Journal, iipesenti ezingama-26 zamaMerika zineZERO zokulondoloza ngongxamiseko. Ungazivumeli ukuba yinxalenye yale statistical.
Nazi ezinye iindlela ezifanelekileyo zemali ezithathayo ukuba uthathe uncedo lokulwa nesithintelo sakho sengqondo.
Ukuhlawula ityala lakho : Ngoku oku kungabonakali njengokusindisa kodwa kunjalo. Xa ulahla amatyala njengemali- mboleko yomfundi kunye namakhadi esikwereti , ubeka isiseko oyifunayo ukuze uzinze imali kwixesha elizayo. Nangona uhlawula ezi matyala, qiniseka ukuba awuqhubeki ukuthatha ityala elingaphezulu.
Yakha izibonelelo eziphuthumayo: Izibonelelo eziphuthumayo ziloo nto, imali isetyenziselwa kuphela xa kukho inkxazo. Sebenzisa oku kulungiswa kweemoto ezingalindelekanga okanye uncedo lwezoxakeka lwezonyango, kungekhona kwindlela eya kwiiCaribbean. Yonke into eyathethileyo ingavakalelwa njengemali eninzi, kodwa ukwakhiwa kweengxowa-mali zakho ezixakeka ngokukhawuleza kufana nokulondoloza imoto entsha: Misa idiphozithi yokuzenzekela kwi-paycheck yakho kwi-fund yakho engxamisekileyo, kwaye yenze ikhule.
Ngethemba, awusoze ufune ukuyisebenzisa.
Ixesha elifutshane lemali: Gcina le mali kwi-investments ekhuselekileyo njengemali okanye i-CD ngeendleko ezizayo njengendandatho yokubandakanya.
Umdlalo kunye ne-max ngaphandle kwe-401k yakho : Ukuba inkampani yakho inika i-401k, ukwandisa umnikelo wakho we-401k ubuncinane ukuba yintoni enye inkampani ifanelana nayo (ukuba iyafana nayo yonke into). Le ngxaki ofuna ukuyisebenzisa ngokupheleleyo.
Ubuninzi esinokufaka isandla kwi-401ks yethu yi-$ 17,500 ngonyaka ($ 23,000, ukuba uneminyaka engama-50 okanye ngaphezulu). Ngoko, misela injongo yemali eyokufumana kwigalelo lakho ukuya phezulu ($ 17,500 okanye $ 23,000).
Faka imali kwi- akhawunti ye-brokerage : Abaninzi bayabhekisela kule nto nje nge-akhawunti ye-investment. Akukho mingcipheko yemali okanye izithintelo zotyalo-mali. Yi-akhawunti evumela ukuba utyalomali kuyo nayiphi na uhlobo lotyalo-mali, ezifana nesitokisi (i-Apple, IBM, njl.) Okanye iibhondi. Akukho zintlawulo zerhafu kwi-akhawunti ye-brokerage, kodwa inceda kakhulu kwisiseko sakho semali.
Kungaba lula ukulahlekelwa yimpembelelo ngelixa ulondoloza kuba iziphumo azikhawulezi. Kodwa, ukugqiba amanyathelo okuzinza kwemali esiyidingayo ukuze sifumane indlela yokuhlala sishukunyiswa kuyo yonke inkqubo yokulondoloza. Enye indlela ukuphula imali yakho yokugcina kwiinjongo zenyanga.
Xa ufikelela ezi njongo maziqiniseke ukuzihlawula ngesidlo kwisidlo sakho esithandayo okanye mhlawumbi isiqwenga sezinto ozihlolisayo. Khumbula ukuba ungasebenzisi yonke imali oyilondolozile umvuzo wakho, nje into encinane. Injongo kukugcina, kodwa ukucinga ngale nkqubo kukuba ukuba ugcina i-$ 200 kwaye uchithe i-$ 50 yayo, usenokuba usindise ngaphezu kokuba ungayifumana.
Ngelishwa, abaninzi abantu balinde kude kube nzima ukukhathazeka ngokugcina kwabo. Ngoku, ukuba uyazi imingcipheko kunye neengxaki ezingenzima ukuzinqoba, sekuyisikhathi sokuqala inkqubo eya kukuvumela ukuba uthethe phantsi kwendlela, "bulela ubulungisa ndiqalise ukusindisa kwangethuba."