Funda indlela le ndlela yokwenza uhlahlo lwabiwo-mali ingakunceda ukuba ulondoloze ngaphezulu
Kodwa abantu abaninzi bafumana ukuba ibinzana lidideka. Ukuba awuqeshwanga, awukwazi ukuzicingela njengomntu "ohlawula" ngokwabo. Uhlawulwa ngumphathi wakho. Kunene?
Yintoni ekuhlawulela ngayo okokuqala, kwaye isetyenziswa njani kuhlahlo lwabiwo-mali?
Ithetha ukuthini
"Zihlawule okokuqala" akubhekiseli kwindlela ofumana ngayo imali, ngokuchasene noko ibinzana elibhekisela kulo.
Ibhekisela kwindlela yokugcina imali.
Ibinzana lithetha ukuba ufanele ukuhlawula imali yakho yokugcina imali kunye ne-akhawunti yakho. Umzekelo:
- Bhatala kwiakhawunti yakho yomhlalaphantsi , njenge- 401k yakho kunye ne- Roth IRA yakho
- Thenga amaqondo afanelekileyo e-inshurensi, kuquka inshorensi yobomi kunye nokunakekelwa kwexesha elide lokukhubazeka
- Bhatala kwi- akhawunti yakho yokugcina imali
- Yondla i- fund yakho yengxamiseko
- Ukuhlawula amatyala akho kwaye ungabikho na amatsha, ngaphandle kwe -mortgage okanye ibhanti efanelekileyo yezoshishino / yezindlu
Kutheni "Okokuqala"?
Uninzi lwabantu luthi alondolozi imali eyaneleyo yokuthatha umhlalaphantsi, okanye utyalomali olwaneleyo, okanye ulondoloze isikhwama esikhulu esingxamisekileyo, ngenxa yokuba abanayo imali yokugcina ngaphezulu.
Yingakho icebiso lezemali lomntu lithetha ukuba kufuneka uhlawule kule akhawunti. Yiphathe njengowilwayo. Sondela ngendlela efanayo nendlela ophatha ngayo i-bill yakho yefowuni okanye ibhilikhi yakho yombane.
Enyanisweni, ukubeka phambili ngaphezu kwazo zonke ezinye iindleko. Yenza imali yokubaluleka "ebhaliweyo" ebaluleke kakhulu.
Bhatala lo mthetho-mali kuqala.
Ngoba? Ngenxa yokuba le ndlela ikwandisa amathuba okuba uza kusindisa imali eninzi. Iguqula imali yokugcina imali "kwinqwelo" kwiimfuneko. Ukuthatha umhlalaphantsi kunye nokugcinwa kweengxowa-mali zexesha eliphuthumayo kuba yiyayilwayo ekufuneka ihlawulwe rhoqo ngenyanga.
Kodwa Andikwazi Ukugcina!
Abantu abaninzi baphikisa ukuba abakwazi ukuqhubeka kunye neendleko zabo zangoku.
Ukuba bazihlawula kuqala, bacinga ukuba baya kuphelelwa yimali ngaphambi kokuphela kwenyanga.
Uninzi lweengcali liphendula ukuba abantu bafanele bazibophezele ukuzihlawula kuqala. Xa beyenzile ukuzinikela, baya kunyanzelwa ukuba bafumane indlela yokuhlawula ezinye iibill. Kungadinga ukuthatha umsebenzi wesibini. Kungabandakanya ukusika ezinye iindleko, njenge-cable TV. Oku kunokwenzeka, kuya kufuna ukuba inxalenye yentsebenziswano ininzi kwaye ichithe ngaphantsi.
Kodwa nanko umkhabi: abaninzi abantu abayi kukhuthazwa ngokwaneleyo ukuba bathathe umsebenzi wesibini, banxibe iingubo zesibini kunye nokusika i-TV yabo ngenjongo yokubeka i-$ 400 ngenyanga ngenyanga kwi-akhawunti yabo yomhlalaphantsi. Kodwa ke, baya kukhuthazwa ngokwaneleyo ukuba benze oko xa bebeka umngcipheko kwiimeko zabo zeebhilikhwe kwaye bephelile ukushisa kwabo.
"Zihlawule okokuqala," ngamanye amazwi, isiluleko sezimali somntu siqu esiza kulwa nantoni YESIFUNDO abantu bafumana kwaye balondoloza imali.
Analogalog
Kutheni iingcali ezininzi zincoma ukusebenzisa okokuqala ekuseni, ekuqaleni kosuku ngalunye? Akusizathu sesimo somzimba. Umzimba womntu awusebenzi ngokukhawuleza ukusebenza komzimba ngo-6 ekuseni
Kunoko, kungenxa yesizathu sengqondo. Abantu abaninzi bathi abanalo ixesha lokusebenzisa.
Kwaye, ngokwenene, ukuba umntu uya emsebenzini kwaye uzama ukusebenzisa emva koko, baya kufuduka ngokuzivocavoca. Baya kunyanzeliswa ukuba bahlale bexesha elide emsebenzini, bathathe umntwana ukusuka kwindlela yokuqhuba ibhola, ukuqhuba imizila, okanye wenze nayiphi na enye eminye imisebenzi.
Yingakho iingcali zisoloko zicebisa abantu ukuba baqaphele ukwenza umsebenzi wokuqala okokuqala, baze baqhubeke nomhla wabo.
"Zihlawulele kuqala" zigijima kule ngcamango efanayo. Ukuba abantu bazama ukuhlawula yonke into yokuqala, kwaye BESINDE, basoloko befumanisa ukuba bashiywe kungekho nto. Kodwa ukuba abantu bayagcina kuqala, baze bahlawule iibhilikhwe zabo, baya kuzinzela ukuba bafumane iziphumo.