Oku kunokukhubazeka kwimpilo yakho yexesha elide lempilo. Ukuqonda kakuhle ukuba kutheni, makhe sijonge ezinye iinombolo ukuze ubone oko ulahlekelwayo ngokungatyi imali .
Uya Kufuna Iimali kwiRhafu
Ngaphambi kokuba singene kwiinkcukacha zento olahlekelwa nguyi-investment, kubalulekile ukuqonda iimfuno zakho kwixesha elizayo.
Kubantu abaninzi, inkulu enkulu yemali ngumhla ophumayo emsebenzini kwaye awuyi kubuya. Kodwa ukususela ngaloo mini ukuya phambili, usuxanduva lokuhlawula iindleko zakho, njengoko iifowuni zakho ziphelile.
Izimpesheni ziyahlaselwa kwimemori, kwaye ezininzi zeMillennials azizange zibe neyodwa. Ukhuseleko Lentlalo lukhulu, kodwa aluyikusibekela iimfuno zabasemzini abaninzi, ngokukodwa ukuba ufuna ukugcina umgangatho ofanayo wokuhlala phantsi.
Xa uthatha umhlalaphantsi, uya kufuneka uhlawule ukutya, iimpahla kunye nezinye iindleko zokuphila, kodwa mhlawumbi kwi-budget encinci. Ukwenza umehluko kwimali engenayo, uya kuyidinga isikhwama somhlalaphantsi . Kwaye ngaphandle kokutyalo-mali, loo ngxowa-mali yomhlalaphantsi ngokuqinisekileyo ayiyi kukhula ngokwaneleyo ukuxhasa iimfuno zakho zokufumana umhlalaphantsi.
Iindleko zokungahlawuli imali engama-20 ngeenyanga
Abantu abaninzi bathi abanayo imali eyaneleyo yokutshala imali, kodwa akudingeki ukuba ugcine amakhulu okanye amawaka eedola ngenyanga ukuze wenze okufanelekileyo.
Ukulondoloza nje encinci idibanisa. Makhe sibone ukuba yiyiphi i-$ 20 engaphezu kwexesha ukuba utyalomali .
Ngaphambi kokunomdla, i-$ 20 ngenyanga iyongeza kwi-$ 240 ngonyaka. Ngaphezulu kweminyaka engama-25, loo nto yi-$ 6,000. Leyo yodwa yinto encinci yemali, kodwa ngenxa yamandla emakethe ye-stock market ingaba yinto engakumbi.
Ukuba unotyala imali engama-$ 240 ekupheleni konyaka iminyaka engama-25 kwaye ufumene iipesenti ezili-10-ngokuphindaphindiweyo ukubuyela ngonyaka kwe-S & P 500 ngexesha-uya kuba ne $ 23,603 ekupheleni. Ukuba unotyala imali engama-$ 20 ngokuzenzekelayo nyanga zonke endaweni yokuphela konyaka, uza kuba ne-$ 26,537 yee-$ ekupheleni kweminyaka engama-25.
Iindleko zokungatyalanga i-$ 20 ngenyanga ngenyanga yekhondo lakho elidlulileyo liyi-20,000! Oku akusiyo inguquko ye-chump. Khawucinge nje ukuba ama-20,000 amawaka ahamba ngayo xa ehlala phantsi. Kubantu abaninzi, oko kuyingxenye yesabelo seminyaka.
Nangona ubeka imali yakho kwi-akhawunti yokulondoloza, ulahlekelwa yi-intanethi kwiimarike. Izindleko zengeniso yolondolozo lwengxelo ye-akhawunti namhlanje ziphakathi kweepesenti eziyi-1; ekupheleni kweminyaka engama-25 ukugcina i-$ 20 ngenyanga ngenyanga yokuqala, uya kuba ne-$ 6,819.08. Oku kungaphezulu kwama-800 engaphezulu nje kokukufaka phantsi kweemitha, kodwa kusekho amanani amahlanu athobileyo oko unokufumana ngokutyalomali kwiimarike.
Sekunjalo, nokuba loo $ 26,000 iya kuhamba ngoku kude kumhlalaphantsi. Ngoko ke sibone oko kwenzekayo xa utyalomali ngaphezu kwama-20 ngenyanga.
Iindleko zokungahlawuli mali zikhula ngamandla akho okugcina
Iziganeko uchithe ubuncinane i-$ 70 ngenyanga malunga nento ongayifunayo ngokwenene.
Ndandisebenzisa ukufumana i-TV ye-cable, umzekelo, kodwa ke ndagqiba ekubeni akufanelekanga i-R70 70 ngenyanga ukwenzela ukuba ummandla ungene kwi-tube boob. Ukuba ufanele ukhansele ikhebula kwaye utyalomali i-$ 70 ngenyanga, uza kugqiba iminyaka engama-25 yokutshala imali nge- $ 92,878 , ucinga ukuba kubuyiselwe ukuphindwa kweminyaka eyi-10 ngonyaka, uhlanganiswe ngenyanga.
Ewe, ukunyuka kwamaxabiso kuthetha ukuba i-92,878 i-$ ayiyi kuhamba phantse kwiminyaka eyi-25 njengoko yenzayo namhlanje. Ngoko masithathe ngaphezulu. Ukuba unokutshala imali engama-211 ngenyanga ngenyanga ye -IRA okanye i-Roth IRA , uza kushaya i-$ 500 yeemali ezingaphezulu kwama-5,500 ngonyaka. Ukutshala imali engama-5 500 e-minyaka ngeminyaka engama-25 kwimbuyekezo ephakathi kwe-S & P 500, uza kuba ne -608,131.98 .
Ngoku sithetha! Oku kusengaphantsi kwezinto abantu abaninzi abafuna ukuhlala phantsi, kodwa kukubeka kakuhle endleleni.
Musa ukuLahla ngaphandle kokungahoyi i-Power of Investment
Kwaye uWarren Buffet waqala ngotyalo-mali lwakhe lokuqala .
Unokuza uluhlu lwezinto zokuhlamba iimpahla ezingenako ukutyalo-mali, kodwa ndinokunika izizathu ezingama-20,000 kufuneka uqale ukutyalomali okungenani i-$ 20 ngenyanga-kunye nezinye izizathu zokutshala imali ngakumbi.
Nsuku zonke ulindele ukutyalomali, ulahlekelwa. Yeka ukulahlekelwa kwaye uqale ukwenza. Imali yakho ayiyi kukufumana nantoni na ngaphandle kokuba uyibeke ukusebenza.