Kwabaninzi, ukuqaliswa kuyona nto inzima kakhulu. Faka i-Challenge ye-Week-Week Challenge, indlela yokonga elithembisa phantse i-$ 1,500 egcinwe ekupheleni konyaka ngokukhupha iidola nje ngeveki.
Iyiphi Inselele yeMali Yeeveki ezingama-52?
Nantsi indlela esebenza ngayo: Uqala ngokugcina i-$ 1 kwiveki yokuqala yomceli-mngeni, uyifake kwisitya kwi-counter yakho ngaphandle kwengcamango yesibini.
Ngeveki ezayo, ulahla i-$ 2, kwaye ilandelayo, i-$ 3, ufumana ingcamango. Ekupheleni komngeni, ulondoloza ngaphezu kwe-$ 50 ngeveki, ukuzisa inani lakho lilonke ligcinwe ngaphantsi kwe $ 1,400 ekupheleni konyaka.
Akunjalo kakhulu, akunene? Ukuba uyazibuza ukuba ngaba i-Week-Money Money Challenge ikulungele ukuba ufunde, funda ukuhlola kwethu ngokunyanisekileyo kwendlela yokonga.
Iingxaki eziMandla
Kulula ukuba ubani abeke eceleni i-$ 1 ngeveki, ngokukodwa ngokukhumbuza okubonakalayo njengengxobo egcwele imali ehleli kwi-countertop yakho. Kukho ninzi inotshi ekhutshweyo ekhoyo kwi-intanethi, ngoko unokukwazi ukulandelela inkqubela yakho njengoko ujonga ukugcina kwakho ukukhula.
Kodwa ekupheleni komngeni xa iphosakeleyo. Ukukhupha i-$ 50 ngeveki ngoDisemba kunokuba nzima, ngakumbi xa ucinga ngemali yokuchitha iholide , njengezipho, ukuhamba, i-ofisi yesipho kunye nokutya kweeholide.
Ezinye iingcali zibonisa ukuba zithatha i-Challenge ye-Week-Week Challenge ekutshintsheni: ukulahla i-$ 52 kwiveki 1, i-$ 51 kwiveki yesi-2, njalo njalo.
Ngaloo ndlela, uya kugqiba nje ukufuna ukugcina nje amabhakethi ambalwa ngeveki ngelixa leendleko zeeholide ezibizayo.
Ukongezelela, ukususela kwi-$ 1 ngeveki, i-$ 2 ngeveki, i-$ 3 ngeveki, njl njl. Inani elinomyinge, kunokuba kunzima ukukhumbula ukubeka eceleni imali leyo ngeveki kunye nantoni na into oyenzayo.
Omnye umceli mngeni? Ukukhanyela inqweno yokukhwela i-stash yakho ukuphosa umntu we-pizza okanye ukuthenga ikhofi endleleni yokusebenza. Emva koko, kulungile apho.
Kweminye, kunokuthi kube lula ukuzibophelela kumlinganiselo obekiweyo ukugcina ngenyanga, ufake i- akhawunti yakho yokugcina imali, i-fund, okanye i-CD (kuxhomekeke kwiimfuno zakho kunye nokukhethwa kwaloo mali) ekuqaleni kwenyanga, kwaye uyakhohlwa malunga . Ngaloo ndlela, imali yakho iya kusebenza yona, oko kukuthi, ukufumana inzala ), kungekhona nje ukuhlala kwipopu, ingayifumani i-cent interest. Okumangalisayo kukuba, ukuba i-52-Week Week Challenge isifundise nantoni na, yinto yonke into ebancinci.
The Upsides
Nangona kunjalo kukho ubulumko emva kwendlela yokonga. Ngomnye, uzuza ngokukhawuleza. Kwaye nabani na osebenza kwiinjongo zemali, nokuba uyakusindisa ukuthenga ikhaya , ukuhlawula ityala, okanye ukuya kwiholide lephupha, ukukhawuleza kunokukwenza okanye ukuphule impumelelo yakho.
Abanye bangatsho ukuthi kulula ukubeka eceleni imali ehleliweyo ngenyanga. Umzekelo, ukufikelela kwinjongo efanayo yokulondoloza imali eyi-1,378 ye-$ njengoko uyenayo nge-52-Week Week Money Challenge, kufuneka ugcine i-$ 114 ngenyanga. Kodwa mhlawumbi kunzima ukufumana loo mali ekupheleni kwenyanga, kunokuba uhambe.
Cinga ngako: Uhlawule iindleko zakho zenyanga, unelisekile nayiphi na iintlawulo zetyala, ukukhupha iindleko zakho zokuphila kwenyanga, ukhusele ingxamiseko engalindelekanga. Ingaba unayo i-$ 114 ekhohlo ukushiya eceleni? Ngokukhawuleza, iibhakethi ezimbalwa ngeveki zibonakala zingenakwenzeka ngaphezu kweedola ezili-100 ekupheleni kwenyanga xa imali iminyene.
Iingcamango Zokugqibela
Nangona i-52 ye-Week-Money Challenge ingenakusebenza kuwo wonke umntu (kwaye ingaze ibe yinto ekhethekileyo yokukhetha imali, ingqalelo ukuba imali yakho ihleli nje kwintombazana, ingayifumani inzala), sonke sinokuvumelana ngento enye: Ukugcina imali kulungile . Ukuqalisa isiqingatha semfazwe. Futhi ukunamathela kwisicwangciso sokulondoloza kuza kukubeka endleleni eya kwimpumelelo yemali.
Kulabo bajonge ukuxhaswa kweengxowa-mali zabo zexakeka okanye baqalise ukugcina, i-52-Week Week Money Challenge ingaba yinto enhle. Emva koko, ezo zikhumbuzo ezibonakalayo zingaba namandla okusindisa.
Kodwa akuyiyo yodwa inketho, kwaye kufuneka uyenze uphando lwakho xa uqala isicwangciso sokulondoloza, ukuqinisekisa ukuba ukhetha icebo elisebenza kakuhle kuwe.
Iingcebiso ezingakumbi zemali:
- Qinisekisa ukuba ungakanani ufanele ulondoloze ngezi zihlandlo ezine .
- Isixhobo esinye esinamandla kunazo zonke sokugcina imali kukuzihlawula kuqala .
- Ngaba udinga ukuphefumlelwa ukuyeka ukuchitha kwaye uqale ukugcina? Khumbula ukuba i-$ 1 namhlanje ixabise ngaphezu kwe-$ 1 ngonyaka ukususela ngoku .
- Ukuze ukwazi ukugcina ngempumelelo imali, awukwazi ukuphepha ukufumana-nokuhlala -kubhajethi .