Isisombululo esisodwa: Unokuhlala uhamba nabantu bakho. Kusenokungabonakali kumntu omdala osandul 'umxhwele onqwenela ukuzimela, kodwa ukuhlala nabazali bakho kungaba enye yezona zigqibo ezingcono kakhulu zemali ozenzayo.
U-Amanda Abella waphumelela ngo-2010 waza wahlala nabazali bakhe iminyaka eyisixhenxe, kungekudala nje ehamba yedwa.
"Ngokombono wezemali, andizange ndikwazi ukwenza into endiyenzile ukuba andizange ndihlale nabo kwithuba elithile," utsho. "Ndaphumelela ngo-2010, okwakubangelwa yizoqoqosho. Ngethamsanqa, ndingahlala ekhaya. "
U-Abella uye wakwazi ukusindisa nokutshala imali, qalisa ishishini kwaye athathe ingozi - izinto azivuma ukuba akayi kukwazi ukuzenza ukuba wayezimeleyo kwaye ahlawule zonke iindleko zakhe ukusuka kwiSuku Lunye. Nangona ungeke uceba ukuhlala nabazali bakho iminyaka eyisixhenxe, nantoni na ukuchitha ubuncinci ixesha elihlala nabazali bakho linye yezona zigqibo ezintle kakhulu zokuzenza.
Unako ukuyeka ukugcina kwakho
Inzuzo ecacileyo kakhulu yokuhlala nabazali bakho iyakwazi ukugcina ithoni yemali. Oku kuyinyani ngokukodwa ukuba ungowedolophu eneendleko eziphezulu zokuphila .
Ungagcina imali ngokungayikhokheli:
- Ukuqeshisa / ukuthenga imali
- Izixhobo - igesi, umbane, intanethi
- Abaqeshisi okanye i-inshurensi yemali
UAbella uthi ukuhlala nabazali bakhe kuncede ukuba aphile kwindawo yokuqala. "Andizange ndenze imali eyaneleyo emsebenzini wam wokugqibela ukuba ndiphile kwisixeko esinjengeMiami," esho. Ukulondoloza yingxaki enkulu eMelika, kunye nabantu abaninzi abanakho ukufumana i-$ 400 engxamisekileyo .
Ukuhlala ekhaya kunokukunceda uqale ukugcina imali ukuze ukwazi ukwakha ingxowa-mali yongxamiseko kwaye ubeke isiseko esomeleleyo esinokuzixhasa ngokuzayo kwixesha elizayo.
Unokuyinqoba iTyala lakho
Ukuba uthe wagxotha ininzi yemali-mboleko yemali ngexesha lokholeji, awuyedwa. Enyanisweni, kukho abangaphezu kwezigidi ezingama-40 ezibolekisa ababolekisi bemali eMelika, ukuhlawula i-$ 1.3 trillion. Intlawulo yemali yokubolekwa kwemali mboleko yabafundi ijikeleze i-$ 300 ngenyanga, enokubangela ukuluma okukhulu kubhajethi yakho.
Ukuhlala ngaphandle kwerente kunye nabantu bakho akuvumeli kwenza ukuba loo ntlawulo encinci ihlawulwe, kodwa inokukuvumela ukuba ubeke enye ityala lakho. Ukuhlawula okungaphezulu kuncinci kunokukunceda ukuba unqande umdla kwaye ubeke ngaphezulu kwi-balance balance.
Unokuqalisa ukuTyala imali yokuqala
Xa kuziwa kutyalo-mali, ixesha lakho ngumhlobo wakho omhle. Ingxaki ininzi yamatye asandul 'umva nje akakwazi ukukwazi ukuqala ngokutyalomali, ingakumbi ukuba batyunjwe ityala. Ukuhlala ekhaya nabazali bakho ukhulula imali yerenti-ngokuqhelekileyo iindleko zakho ezinkulu - ukuze uqalise ukutyalomali ngekamva lakho.
Ungaqalisa ukutshala imali kwi-IRA okanye 401 (k) kunye ne-market market. Ukuba uqala ukutyalomali kwi-25 esikhundleni se-35, amandla enkqutyana yenzalo iya kubangela iqanda elikhulu kakhulu leyona ndawo-mhlawumbi kukuvumela ukuba uthathe umhlalaphantsi kusasa.
Ukuqala ukutyalomali kwangoko kunokunika umlenze omkhulu, ngaphandle komzamo omkhulu.
Unako Ukuchitha Esincinane Ngokutya
Akunzima ukuvuthela uhlahlo lwabiwo-mali ngokutya, ingakumbi ukuba unamava okuthenga ukutya kunye nokupheka ukutya okunokutya. Kusenokwenzeka ukuba uya kubelana nabanye ukutya - kwaye mhlawumbi ufumana ukutya okuphekwe ekhaya kunokuthatha i-greasy takeout. Ngaphezulu, kuyithuba elihle lokufumana i-crash-course ekuphekeni ukuze udle kwisabelomali xa uhamba.
Unako Ukuthintela Ukuthatha Amathuba kwaye Ube Ngumfanekiso
Ukuhlala nabazali bakho kunobuncwane bezimali. Kodwa enye i-perk onokungaqondi ukuba ukuhlala nabazali bakho kukunika ilungelo lokuba uthathe amathuba kwaye ukhethe.
Ukugcina iindleko zakho phantsi kolawulo kuthetha ukuba akudingeki ukuba uthathe nje nawuphi na umsebenzi, okanye ungene kwindawo engaphantsi kweyona ndawo kuba ungakho konke.
Unokuba nobudlova ngokutyalomali kwaye uthathe amathuba okuqalisa ishishini.
U-Abella usandul 'ukuphuma, kodwa wayebulela ukwenza ngexesha elifanelekileyo kwindawo efanelekileyo. Uthi: "Ukuhlala nabazali bam kwandivumela ukuba ndibe neyona nto ikhethileyo, kuba kwakungekho nqa." Ukuhlala ekhaya kuthetha ukufumana umnatha wokukhusela ukuzama izinto ezintsha.