1. Ukuhlawula kwakho akusikho oko ukulindele
Xa uphumelela kwiikholejini, uya kubeka indawo yezinga lokungena, okungekho nto ekulindeleke ngayo. Kungaba nzima ukufikelela kwimigangatho kwisixeko ukuba wenza i $ 40,000 ngonyaka. Ukongezelela, unokumangaliswa ukuba ubuninzi benziwa kwi-paycheck yakho. Ukuba ungatshatanga, uza kuhlawula irhafu yakho kwizinga eliphezulu. Iindleko ezongezelelweyo ze-inshorensi yempilo, kunye nezinye iirhafu ezichithwe kwi-paycheck yakho zingakhokelela ukuba yonke inkokhelo yasekhaya ibe ngaphantsi kunokuba ukulindeleke ekuqaleni. Ukunika inkxaso kwi- 401 yakho (k) kunokuthi inganciphisi ukuba uthathe i-pay pay ekhaya njengoko ucinga ukuba ihlawula imali engenayo engenayo.
Xa uqala uhlahlo lwabiwo-mali, khumbula ukuba kulula ukwenza utyalo ngoku phambi kokuba uzibophelele kwiindleko ezinkulu. Kungaba nzima ukunqumla indlela ophila ngayo xa usetyenziselwa ukuchitha imali. Ukuba uqhubeka uhlala kwisabelomali esilinganiselwe njengokuba wawukholejini, kuya kwenza kube lula ukuhlangabezana neembopheleleko zakho zenyanga kunye nokusebenza kwezinye iinjongo zemali .
2. Uxanduva lwezeMali
Emva kokuba uphumelele kwaye ubeka umsebenzi wakho wokuqala, naluphi na uncedo oluye lwafumana kubazali bakho luyakwazi ukuyeka. Ukuba ngaba abazali bakho bancedile kwikholeji, ungasetyenziselwa uhlahlo lwabiwo-mali kunye neenkonzo. Ukongezelela, unokufuna ukufumana imali yokukhupha iindleko ezongezelelweyo onokungazicingayo ngolu hlobo lwe-inshurensi yemoto, i-cell phone bill kunye nobungqina be-gym.
Usenokumangaliswa ngokukhawuleza ukuba ezi zinto ezincinci ziyakongeza kwaye zidle kwimali yakho.
Xa ubeka umsebenzi wakho wokuqala, unokulingwa ukuba ugubuke ekudleni ngaphandle kwesidlo okanye ukufumana iimpahla ezintsha. Nangona kunjalo, kubalulekile ukulinda iinyanga ezimbalwa kwaye ubone iindleko ezongezelelweyo ozifunayo ukuze uzibandakanye. Kufuneka uqale ukucwangcisa izinto ezifana nokubhaliswa kwemoto kunye neerhafu. Unokumangaliswa nokunyuka kwamandla amabhilikhwe ehlobo okanye ebusika.
Ukongezelela, kuya kufuneka uqale ukuhlawula imali yakho yemali mboleko phakathi kweenyanga ezintandathu zokugqiba. Oku kuya kuba yinto echaphazelekayo kubhajethi yakho. Ingcinga efanelekileyo yokufaka le mali kubhajethi yakho ngokukhawuleza xa uphumelela ukuze ulungelelanise kuyo. Thatha imali oqhele ukuyihlawula malunga neengxowa-mali zabafundi uze uyibeke kwi-akhawunti yokulondoloza kwingxowa-mali yengxamisekileyo. Emva kokuba ufike kumanqaku enyanga ezintandathu, ungaqala ukuhlawula imali yakho yemali mboleko ngaphandle kokwenza utshintsho olukhulu lwebhajethi. Ukuba iintlawulo zakho ziya kuba zininzi, jonga kwiinketho zentlawulo-based income, kunye nokudibanisa nokuhlawulwa kwemali mboleko yakho.
3. Ukunciphisa ukuchitha imali ukuzibeka kwiMali
Imikhwa oqala ngayo ngokuhlawula kwakho yokuqala iya kugqiba indlela owenza ngayo kakuhle imali kwimpilo yakho.
Nangona, ungaziguqula kamva, kulula kakhulu ukuqala ukuba uxanduva ukususela ekuqaleni. Esikhundleni sokuchitha iminyaka uzama ukulungisa iimpazamo zakho zezemali, unokugxila ekufinyeleleni iinjongo zakho zemali.
Qala ngokwenza ukugcina umhlala-phantsi kuqala. Ngokukhawuleza xa ufanelekile, kufuneka uqale ukufaka inxaxheba kwi-401 yakho (k) ubuncinci ukuya kumdlalo umqeshi anikezela ngawo. Ukuba awufaneleki unyaka, ungaqala ngokunikela ngeenyanga kwi- akhawunti ye-IRA .
Sebenza isicwangciso semali esichazela iinjongo ezicacileyo zekamva lakho. Unokuqala ngokugcina i-fund yexakeka kwaye usebenze kwizinto ezifana nokulondoloza intlawulo yekhaya lakho lokuqala okanye ukucwangcisa iholide yokuphupha. Ukuba uqala ukugcina imoto entsha, unokuphepha ukufumana inkokhelo yemoto eya kukhangela kwakhona ukuba uthathe umvuzo wakho ekhaya.
Ukugxininisa ekwakheni ubutyebi ukususela kunokukubeka kwindawo ephathekayo njengoko usondela ngakumbi kumhlalaphantsi. Kuya kukuvumela ukuba uthathe ngalinye lamanyathelo ofuna ukuyenza njengoko ufuna ukukwenza. Oku kunokuba kuphazamisekile ukuba ube kwindawo ekufunayo ukuyithengela ikhaya, kodwa awukwazi ngenxa yezinto zakho ezikhethileyo zemali. Thatha ixesha ngoku ukuseka imikhwa emihle yemali.