Siyabonga kakhulu , Uncle Sam!
Sekunjalo, ukuba ukubuyiselwa kwentlawulo yeerhafu kuyinto yonyaka, kwaye mhlawumbi uye wakuva ukuba kufuneka uguqule ukuyeka kwakho. Ngaloo ndlela, zitsho iingcali zengxowa-mali, ungashenxisa imali engaphezulu kulo nyaka ugcine imali, kwaye unqande ukunika urhulumente imali-mboleko engenasithakazelo minyaka yonke.
Kodwa siya kukuncedisa inkulumo.
Ewe, ukuthatha imali ngokukhawuleza nokuyibeka ekusebenzeni ngesiseko esifanayo kwenza ubulumko bezoqoqosho. Kodwa i-economics ayiyona eyona mqhubi oyintloko kwimpumelelo yezemali-imvakalelo kukuba, umcebisi wezemali uTim Maurer, umbhali wencwadi ethi "Imali Elula." Ezinye iingcebiso zezezimali ziya kukuxelela ukuba ususe iimvakalelo zakho kwizenzo zakho zokwenza imali, kuba zikhokelela kwizigqibo ezingenakwenzeka. Kodwa uMaurer ucinga ukuba uphumelele ukuba "uwamkele, ubaqaphele, uze uzilungiselele engqondweni," utsho.
Kule meko, ukuba uyazi ukuba unako ukugcina imali enkulu yonyaka ngokuphindaphindiweyo kunokuba unqabise umncinci kwi-paycheck nganye, "ngoko zonke iindlela, gcina iindawo zokubambelela kuzo apho zifuna khona," utsho .
Kodwa esi sigqibo senziwa ngokugqithiseleyo kunye neqondo elide lokuziqonda. Nazi imibuzo embalwa ozibuze yona.
Ngaba usebenzisa imali yakho yokubuyisela ngokutsha okanye ngokufanelekileyo?
Ukuba uhlala ufumana imali, uyisebenzisa njani imali? Ukuba uyisindisa, ngokwenza igalelo le-IRA okanye uyongeze kwi-HSA okanye kwi-529 yakho, usebenza.
Kodwa ukuba uhlawula phantsi kwetyala oqhele ukuqokelela ngeli xesha lonyaka, usebenza. "Esinye sezizathu abantu abathanda ukufumana imali kubuyiselwa kukuba ukuchitha kwabo ekupheleni konyaka kuncipha ukukhawuleza," utsho uMaurer. "Bayabatyala [ukusuka kwiholide] kwaye bafuna ukubuyiselwa imali ukuze bahlawule." Kodwa kubalulekile ukukhumbula ukuba ukubuyiselwa imali ayifumanekanga kunye nemali ekhululekayo-oku kucinga kunokukhokelela ekwakheni imikhwa engekho , njengokuchitha imali engaphezulu kunokuba uyifanele okanye ukuyichithe kwizinto ongafaneleki. Ukuba uhlala unobhanki ngokubuyiselwa kwemali yakho ukukhwela ibhanti yamatyala ekhredithi , umzekelo, ngoko umkhwa wokuhamba phezu kweeholide yinto efuna ukujongana nayo.
Ungayivakalelwa njani ukuba kufuneka ubhale isheke kwi-IRS?
Ingcamango yokunciphisa i-paycheck ngokunciphisa ukugodla kwakho yinto enqwenelekayo (kwaye ungasebenzisa le calculator kwi-IRS ukufumanisa ukuba ingaba i-paycheck yakho inkulu kangakanani). Kodwa kwenzeka ntoni ukuba uyigqithisa kwaye uvuselele imali ekarhulumente? Ukuba ingcamango isele ikunike uxhalaba, yi phu laphule, uthi uMaurer.
"Ubungakanani umntu ogcinayo ngokwenene ukuze azibeke ngokwabo?
Ukuba kusebenza kumntu ukuba athathe imali ephezulu ... ke oko kulungile. "Ukuba uyayithiya into yokuba kufuneka ubhale uMalume uShekishe rhoqo ngonyaka ngexesha lokuhlawulwa, ke kulungile ukuba ugcine ukubambelela kuyo.
Ngaba ulawula amancinci amancinci ngokubanzi?
Ukuba awuqinisekanga ngerekhodi lakho kwirekhodi, cinga ngethuba lokugqibela ophakanyisiweyo. Ngaba unyuse imali yakho, okanye usebenzise nje imali? Ukuba ukufumana loo nto incinci kumvuzo ngokuqhelekileyo kukukhokelela ukuba usebenzise imali emininzi-kodwa i-windfalls ezinkulu ezinjengeibhonasi okanye ukubuyiselwa kwemali ukuya kwi-savings okanye ityala-ke ulungele ukunamathela kwimbuyekezo kunokunyusa ukuhlawula kwakho.
Umphathi wezezimali uJacquette M. Timmons uchaza ukuba siyiphatha imali encinci yemali eyahlukileyo kunokuba siyiphathe kakhulu. "Sinomdla wokunciphisa inani elincinci kwaye asiyiqondi ngokwenene ukuba loo mali encinci iqokelela kwaye ikhule.
Ngaphandle kokulondoloza i-$ 2.74 ngemini yonyaka, ungeze kwi $ 1000, "utsho. "Ngamaxabiso amaninzi, ucinga ukucinga okungakumbi kubo, wenze okunye kubo." Isihluthulelo, ukuba unquma ukulungelelanisa ukukhupha kwakho ukufumana ngaphezulu kwintlawulo nganye, kuya kulungelelanisa ukuba unika phi ngokuzenzekelayo ukugcina imali . "Kufuneka uzalisekise eso sicwangciso ngokukhawuleza," kusho iTimmons. "Yiloo nto iphambili." Ngaphandle koko, unokuthi uchithe.
Ngaba unayo iinjongo zemali ezifutshane kunye nexesha elide?
Ingaba uthatha isigqibo sokunciphisa ukubamba kwakho okanye ukugcina iimbuyiselo ezizayo, uya kuba nempumelelo xa ucingisisa malunga nemali ukuba wenze ngokwenene into ofuna ukuyenza nayo, ithi iTimmons. "Kukho ukufana phakathi kwentlawulo yerhafu kunye nebhonasi," utsho. "Ngaphandle kokuba unomnqweno kwaye unenjongo, sele usenayo [isicwangciso] semali, kwaye-ngokukhawuleza ukuba imali ixabise i-akhawunti yakho - wenza [isicwangciso eso] ngokukhawuleza, mhlawumbi uya kuchitha imali."
Eyona nto: Nangona ukhetha ukufumana imali yakho, kufuneka ube nesicwangciso sokuyigcina.
Kunye noKelly Hultgren