Ngaba Ufanele Uqale NgeNgeniso okanye Qala ngeNdleko?
Kukho iindlela ezimbini zokufikelela kwibhajethi yakho.
Indlela eyaziwayo kakhulu kukuhlolisisa ingeniso yakho, uze uchithe imali yakho yokuchitha ude uhambelane nemali engenayo. Indlela eqhelekileyo-kodwa ngokulinganayo-isebenzayo kukuthatha isigqibo malunga nokuba ufuna ukuchitha imali ngayiphi inyanga nganye, uze uxhobe umvuzo wakho ukuze ulingane neendleko zakho.
Makhe sijonge kwizinto ezibonakalayo kunye neengxaki zombini kwezi ndlela.
Imali yokuqala, Emva koko
Ndiyibhalile ngokubanzi ngeendlela zokwenza imali-mali ka-50/30/20 , echazwe ngu-Elizabeth Warren kunye nentombi yakhe, u-Amelia Warren Tyagi.
Bathi abantu bafanele banikele iipesenti ezingama-50 zengeniso yabo "ezifunayo," iipesenti ezingama-30 "ezifunayo" kunye neepesenti ezingama-20 zokulondoloza nokunciphisa amatyala.
Le ndlela yokuhlawula ibhajethi iqala ngokujonga ingeniso yakho - "Ndenza ntoni na?" - kunye nokusekela ukhetho lwakho lokusetyenziswa kwelo xesha. Njengoko ndathethile, le ndlela yokufumana imali-mali iyona khetho esithandwa kakhulu.
Ipro: Uqinisekisa ukuba uphila ngendlela yakho.
I-Con: Ijolise ekunciphiseni iindleko (ubunqongophala, ukunyuka) kunokunyusa ingeniso. Oku kunokuvakalelwa njengokutya: kunzima ukunamathela.
Eyona ndlela ihamba phambili: Abantu abanomvuzo ozinzileyo, ongenayo.
Iindleko Zokuqala, Emva koko Ingeniso
Nantsi inqobo engavamile kodwa efanelekileyo: Okokuqala, yenza uluhlu lweendleko ongazifuna ukuhlawula. Emva koko funda uluhlobo luni lwemvuzo omele ulujolise.
Ngokomzekelo, masicinge ukuba ufuna ukuchitha:
- Imali-mboleko (kuquka i-inshorensi kunye nentlawulo): i-$ 2,000 / mo
- Ukutya: i $ 400 / mo
- Ifowuni yefowuni: $ 100 / mo
- Iimpahla zeMakhaya (Uhambo olujoliswe kuTget, Amazon.com, njl): $ 100 / mo
- I-Car ne-Inshurensi yobomi: i-$ 100 / mo
- Izixhobo: $ 200 / mo
- "Ziyolise" Imali (iindawo zokutya, ii-Concerts, i-BBQ, iKhafi e-Starbucks): i-$ 800 / mo
- Ukuhlawulwa Kwemoto Kuwe: $ 300 / mo
- Ukugcinwa kwemali yomhlala-phantsi : $ 1,000 / mo
- Ukulondolozwa kweeholide neeeholide: $ 250 / mo
- Ukulondolozwa kweeKhaya kunye neNqwelo yeRhafu kunye neNgxowa-mali yeNgxamiseko: i-$ 250 / mo
Iyonke: $ 5,500 ngenyanga
Ngoku, masicinge ukuba ngoku ufumana i-$ 4,000 kuphela ngenyanga. Umbuzo othi uphume entloko yakho, ngeli nqanaba, kufuneka ukuba: "Ndingayifumana njani i-$ 500 engaphezulu ngenyanga?"
Mhlawumbi uza kugqiba ukufumana imali eyongezelelweyo kwicala . Ngokomzekelo, i-freelancing iiyure ezingama-50 ngenyanga (malunga nama-14.3 iiyure ngeveki, okanye iiyure ezimbini ngosuku) kwi-$ 30 / hr iya kukuzisa i-$ 1,500 eyongezelelweyo.
Mhlawumbi uza kuqala ukukhangela utyalo-mali onokukuzisa inxalenye yaloo mali. Unokwenza, umzekelo, unqume ukuthenga impahla erenti evelisa i-200 engama ngenyanga ngenyanga "ekuphumeni kwemali ekhoyo" (imali eseleyo emva kokuhlawula zonke iindleko).
Mhlawumbi uya kuthatha isigqibo sokuqala umsebenzi omtsha ngomvuzo ophezulu.
Umgca wokugqibela kukuba ngokusebenzisa indlela yokufumana imali yendleko (kunokuba ungene kwiindleko zentlawulo-mali), ingqwalasela yakho ishiya kude "ekunciphiseni iindleko zakho" kunye "nokwenza imali engaphezulu." Oko kukutshintsha kwengqondo.
Nangona kunjalo, ndineendawo ezibalulekileyo ezibalulekileyo: Okokuqala, ungasebenzisi le ndlela njengesizathu sokuqala ukuhlala ngaphaya kweendlela zakho. Ukuba ufumana i-$ 4,000 kwaye unethemba lokuphila njengokuba wenza i-$ 5,500, unenjongo enkulu. Kodwa kufuneka utyunye imali yakho ude ufike kwi-5 500 mark mark.
Okwesibini, thintela indlela yokuphila ephezulu. Uninzi lwabantu luchitha yonke intlawulo. Zomibini inkcitho yakho kunye nokonga kwakho kufuneka kwandiswe ngokukhawuleza ngokunyuka komvuzo ngamnye. Qaphela ukuba kumzekelo ongentla, isamba sokugcina imali eyi-1,800 yeenyanga ngenyanga-i-$ 1,500 "ekulondolozeni" kunye ne $ 300 " intlawulo yemoto kuwe " - ifakwe kwinjongo yengeniso.
Ipro: Utshintshe ingqwalasela yakho yokwenza imali kunokuba uhlawule iindleko. Uqala uluhlu lwezinto ofuna ukuzenza. Emva koko ucinga indlela yokwenza oko kwenzeke. Ukuxhobisa kunye nethuba eliphambili.
I-Con: Ingakhokelela ekuveleni kwexabiso lentengo ngaphandle kokuba ubeka ipesenteji enamandla kwingeniso yakho yokugcina imali.
Eyona nto ibaluleke kakhulu : Abantu abavuyiswe ngamathuba amatsha. Abantu abanayo, okanye abafuna ukufumana, imijelo emininzi yemali engenayo.
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Inqaku eliphakathi kwePaula, Isikhokelo sakho sokuhlawula imali
Xa ndadala i- sheetworksheets , ndabhala "Yenza umzobo wakho ngeniso" njengeNyathelo lokuqala.
Ndikhetha ukwenza oku ngenxa yokuhlola ingeniso-kunokuba iindleko - yindlela eqhelekileyo abantu abaye bajongene ngayo uhlahlo lwabiwo-mali.
Nangona kunjalo, indlela "eqhelekileyo" ayikho "indlela engcono". Ndithe ndagqiba iminyaka ndixoxa ngokubhekisele uhlahlo lwabiwo-mali kunye nokuphathwa kwemali nabantu kulo lonke uhlanga, kwaye ndikholelwa ngokuqinisekileyo ukuba akukho ndlela "eyona nto". Imali yomntu siqu , kwaye kufuneka ukhethe indlela efanelana nobuntu bakho nesitayela. Indlela oyikhethayo ayibalulekanga ngaphaya komphumo owufezekisileyo.