Ungayifumana Njani Abanye Ukuhlawula Izabiwo-mali kwaye Gcina ... Ukuba Abavumelani?
Mhlawumbi iimali zakho ziqinileyo, kodwa unomhlobo okanye ilungu lentsapho elifuna uncedo lwezemali. Unokubanceda njani ukuba bancede?
Ukuba umntu uphelelwe yimali, abanokukuthatha ngokungathí sina xa ubaxelela ukuba "yenza nje uhlahlo lwabiwo-mali!" Oku kufana nokuxelela umntu ogqithiseleyo ukuba "ahambe ukuya kwindawo yokuzivocavoca!"
Ngokuqinisekileyo, isiluleko esinengqiqo. Kodwa kwabanye abantu-ngokukodwa abantu abanzima-kubonakala bengenakwenzeka, bengenakufumana, kwaye bancinci ekuthinteni kunye neyona nyaniso.
Ewe, wena kunye nam ndiyazi ukuba ukwenza uhlahlo lwabiwo-mali, njengokufana nokuya kwindawo yokuzivocavoca nokutya ukutya okunempilo, kuyasebenza. Ngoko sinokukhuthaza njani abanye ukuba balandele?
# 1: Khokela ngomzekelo
Izenzo sithetha ngaphezulu kunamazwi. Ukuqwalasela umntu malunga nokubaluleka kokuphila kwiindlela zakho akunakwenzeka. Kodwa xa umntu ebona ukuba uphila umzekelo wemihla ngemihla yale ndlela yokuphila, unokuphefumlelwa.
Nangona umzekelo wakho, baya kubona ukuba indlela yokuphila enganangqiqo / efanelekileyo ingonwabile. Unandipha ubomi, sichitha ixesha kunye nabahlobo bakho kunye nosapho, kwaye ungaziva unyanzelekile, nangona ungekukhawuleza ityala lekhadi-mboleko ukuhlawula i-grills ezinkulu kunye ne-TV-screen-screen. Ulala ubusuku obulula, kwaye uqokelela imali eyaneleyo yokuthatha iholide elihle rhoqo rhoqo.
Ngokumisela umzekelo, ukwenza ube yinto eyanelisayo kuluntu (phakathi kwentendelezo yakho yentlalo) ukuhlala ngaphantsi kweendlela zakho. Abantu baya kubona ukuba uqinisekile kwaye uziqinisekisile, ngaphandle kokuba uzive ufuna isidingo.
Oku kuya kubanceda baqaphele ukuba akudingeki bavakalise abanye ngezindlu zabo ezinkulu okanye ubucwebe obukhulu, nokuba njalo.
Ngoko mhlawumbi awudingi ukuthetha igama. Hlala nje uhlalise umzekelo wokukhusela ityala labathengi kwaye uhlala kwindlu encinci kunokuba unakho ukuthenga. Abantu baya kuqalisa ukuphawula, kwaye abo baqhekeza phantsi koxinzelelo lwezimali zabo baya kuhlaziywa ngokuthatha izigqibo ezibukhali.
Ngelo xesha bangaya kuwe ukuze bacebise, kwaye yilexesha elihle lokuqala ukuthetha ngeengcinga zakho. Abantu bahlala bephulaphule kakuhle xa baqala ukuthetha.
# 2: Chaza i-Big-Picture Values
Abahlobo bakho kunye nosapho abanakho ukuba banomdla kwiinkcukacha zobuchwepheshe malunga nendlela olwabiwo ngayo i-asethi okanye uceba izicwangciso zakho ze-inshorensi yobomi. Kodwa mhlawumbi banomdla wokuva malunga nemilinganiselo emininzi yemifanekiso ophetheyo malunga nemali.
Akudingeki ukuba ubukele amehlo abo eqaqambileyo xa uqala ukukhawuleza malunga nokuma phakathi kobomi bexesha kunye nezicwangciso zomshuwalense wobomi. Unokufuna ukuthetha ngokungaqhelekanga kwintetho oya kuqinisekisa ukuba usapho lwakho lukhutshwe xa kwenzeka into enhle.
Akudingeki ukuba uhlalutye ngokucacileyo malunga nokuqulunqa umdla kunye nokwabiwa kweefa . Kodwa unokuba ufuna ukukhankanya ukuba ulondoloze iipesenti ezili-10 zomvuzo wakho ngomhlalaphantsi.
Awudingi ukuxoxa ngeenkcukacha ezifanelekileyo zendlela yokubeka uhlahlo lwabiwo-mali. Kodwa unokuba ufuna ukukhankanya ukuba uyasindisa iipesenti ezingama-20 nganye ekuhlawuleleni kwizinto ezinkulu zekitikhi ezizayo ezifana nokuthenga imoto, ukuthatha iholide yamazwe ngamazwe, okanye ukuthenga indlu yamaphupha akho.
Emva kokuba uhlanyela imbewu engqondweni yabo malunga neenjongo eziphambili zeemifanekiso, amaphupha, kunye nemilinganiselo, abahlobo bakho kunye nosapho baya kuthatha ukuba bafunde malunga neenkcukacha ezincinci.
Yaye xa bebuza imibuzo malunga nale nkcukacha, baya kukubuza.
# 3: Nika Amabhuku
Abantu abanokungafuni ukuthetha ngezihloko ezinzima, ezifana nemali, kunye nabahlobo kunye nosapho. Kodwa mhlawumbi banomdla wokufunda incwadi enika iingcebiso ezicacileyo, ezicwangcisiweyo, iinkcukacha, kunye nolwazi malunga nale miba.
Utyalo-mali malunga ne-$ 10 unokunika umngane wakho ibhajethi okanye ibhuku lezemali ozicebisa kakhulu.
Uninzi lweengcaphephe zezemali zakho zincoma ngokukhawuleza ekunikeni imali mboleko kubangani bakho. Kodwa akukho mntu ufuna ukunika umntu i-$ 10 incwadi engatshintsha ubomi bawo.
Andiqinisekanga ukuba ungaqala kuphi? ULiz Weston, uBeth Kobliner kunye noJean Chatzky ngabanye abalobi beemali ngabanamhlanje .
Kukho uninzi lwababhali be-niche kwilizwe lezemali, ngokunjalo. UDave Ramsey udlalwa kwinqanaba lezemali lobuKristu, ngelixa i-Trent Hamm ithandwa kakhulu kwi-frugality kunye nokugcina i-niche.
UBethany noScott Palmer babhala incwadi malunga nomtshato nemali. Ababhali bakaZac Bissonnette kwisihlwele esincinci, egxile kwiikholeji kunye nemali kuma-20 yakho.