Kutheni Kungaba Ngumbono Omubi Ukuba Usondele Ngomntu Ongaxhaswanga Ngezezimali
Kwaye kwakukho isidlo sakusihlwa edolophini. Ngomso kwipaki. Ikhonsathi yokuhlwa. Unandipha yonke imihla, kwaye uyazibuza ukuba le nto ingaba yinto ebalulekileyo.
Kodwa kukho enye inkxalabo encinci - usuku lwakho olutsha lubonakala lunemikhwa engcolileyo yezemali .
Mhlawumbi bachitha kakhulu. Mhlawumbi badlala.
Mhlawumbi batyala imali enjalo, enobudlelwane obunobungozi obuvakalelwa kukuba banakho ukugembula.
Ewe, uyaziqinisekisa, kufuneka utshatile ngenxa yothando, kungekhona imali. Ngaba azinokuba yinto yokuzingca okanye ukuthanda izinto eziphathekayo ukugatya umlingane onokuthi ube ngumdla ngenxa yeempawu zabo zemali ?
Yiyo intetho enobungqina ozenzayo rhoqo xa uvakalelwa ukuba ungathandabuzekiyo. Kodwa kungakhathaliseki ukuba uhlala unika njani incwadana yangaphakathi, ezo nkxalabo zihlala zihlala.
Yintoni inika? Ngaba kukho i-dealers breakers-breakers ngaphakathi kobudlelwane? Kwaye kulungile?
Makhe sihlolisise esi sihloko ngokunzulu. Ngaba uhambelana nemali?
I-Case for Decision on Your Deal-Breakers ... Ngaphambi kokuba Ube Nzulu
Okokuqala, makhe siqale ngeemvumba ezimbalwa.
Asikhulumi ngokudala imilinganiselo esekelwe kwimali eyenziwa ngumntu - njengomvuzo we-25,000 wama-dollar ngokumalunga ne-$ 100,000. Asinakuthetha ngokubeka imigangatho esekelwe kwibhalansi yebhanki, ubungakanani beepotfoliyo, okanye inzuzo.
Sixoxa ngemikhwa umntu abonisa ngayo malunga nokunyanga kwemali.
Ngaba bachitha ngaphandle kokuqwalasela, bengaphantsi kwekhadi labo lekhredithi bengacabangi naluphi na umonakalo obangela umdla wabo?
Okanye ngaba bahluphekile, benqaba ukusebenzisa imali kwizinto eziphambili, kunye nokushiya iitheyibhile zokudlela kunye nephusenti ye-10 kuphela ye-server?
Ngaba bayaziqhayisa malunga nokutyalomali kwabo , bethetha ngamabali emfazwe malunga nokuba bangena njani na ngaphandle kweemarike ngamaxesha amathandathu kwiveki ephelileyo? Ukuze baseke yonke into ehambayo kwi "tip tip" abayifunayo kwi-intanethi okanye babone kwi-TV?
Ngaba bayayifumana ingcamango yokuba baya "kungekudala" benze iimivuzo eziphindwe kabili, ngokukhawuleza nje ukuba esi sikhokelo esilandelayo-ityeba esilandelayo sifike kwisiqhamo?
Okanye ngaba bajonge kuwe ngaphandle kwexesha ochaza ngokukhawuleza u- 401 (k) akhawunti ? Emva koxolo, ngaba bakubuza into ekhoyo emhlabeni ukuba udibaniso oluqhelekileyo lweencwadi kunye neenombolo lithetha ntoni? Yaye xa uthe uchaza ukuba yi-akhawunti yomhlala phantsi, ngaba bayayigculela imbono yokulondoloza umhlalaphantsi ngexesha lakho ?
Kufuneka Uqaphele Ukungahambisani Nezimali
Ezi zibonakaliso ezinamandla zokungahambelani okuphambili - kungekhona kwimali, kodwa ngokusingqongileyo kwehlabathi, iimpawu kunye nombono wekamva.
Oku akusiyo ngemali. Olunye unyango lomntu luyimpawu. Kodwa i-worldview-ezahlukeneyo yiyo ingxaki - okanye ubuncinane, ukungahambelani.
Ukuba unomgcini-mali kunye nomninimzi-mali olinganiselayo, unethuba elinamandla ukuba i-worldview yakho kunye nezinto eziphambili zibandakanya ukucwangciswa kwexesha elizayo , ukulibazisa ukunyaniseka, nokwenza izigqibo ezinengqiqo, ezisekelwe kakuhle kwi-data.
Akumangalisi, kwimeko enjalo, ukuba ulwalamano nomntu onomdla, wenza izigqibo eziphosakeleyo nangokwemvakalelo, uphila ngokukhawuleza ngokubhekiselele kwixesha elizayo, kwaye ubhalansi lwabhankini lwazo olusondeleyo ukuguquka kwamasango alukwazi ukuhambelana nawe.
Ngokuqinisekileyo, ezo zimpawu zingabonakali ngendlela abajongene ngayo neemali zakho. Kodwa umba ongundoqo awuyiyo imali ngokwawo; yinto yokuba ubambe imibono eyahlukeneyo, imikhwa, kunye neendlela zokuphatha ngayo ubomi bakho.
Nangona iintshutshiso zikhawulela, kunye nokuchasana ngamanye amaxesha kunokuphikisana, abantu abachasene nabo banokuba nexesha elinzima lokudibanisa ubomi babo kunye nexesha elizayo kunye kunye neyunithi yodwa.
Iingxaki zokungahambelani kwemali zingadalwa
Ngamanye amagama, akusikho into ebonakalayo ukujonga imikhwa yezemali njengentlambo ebomvu yeflegi, kuba umba awuyiyo inzuzo yomlingani - yiyona nto ibaluleke ngayo.
Ukuba ubona ifulegi ebomvu, kungcono ukujamelana nesibonakaliso sesilumkiso ekuqaleni kobudlelwane, ngaphambi kokuba ngumcimbi omkhulu ebomini bakho.
Ngokombiko we-CNBC, iimali ziyizona zinto ezibangela ukuxinezeleka ekubudlelwaneni bexesha elide, kunye neepesenti ezingama-35 zabaphendulayo bathi imali iyona nto ibangela ingxabano phakathi kobudlelwane babo.
Umbonakalo ubonakala uba mkhulu njengoko izibini zikhula, kunye nama-44 ekhulwini abaphendulayo phakathi kweminyaka engama-44 ukuya kweyesi-54 bethetha ukuba imali yinto ebangela enye ingxabano phakathi kobudlelwane babo.
Ngelixa uphando aluzange lucacise ukuba kutheni ingxabano yezemali ikwabikwa kakhulu kwilo bhokisi yobudala, le ngongoma enye: izibini ezingaphezu kwe-40 zifuna ukujongana neemfuno ezininzi zemali. Abaninzi banemali mboleko , abantwana, ukugcinwa kwekholeji, ukugcinwa kwemali yomhlala-phantsi, iibhilikhwe zempilo kunye nokuba mhlawumbi elinye ityala.
Isiphumo? Kukho ithuba lokuba ingxabano yezemali ingabonakalisa ingxabano engundoqo malunga nezinto eziphambili. Yintoni ebaluleke ngakumbi: ukuhlawula loo maklasi agibela amahashe abantwana abafuna ngamandla, okanye ukugcina kwimfundo yabo yeekholeji?
Esinye isizathu esenza ukuba abantu abaneminyaka engama-44 ukuya kuma-54 babike amanqanaba aphakamileyo amaninzi? Kungenzeka ukuba izigodo ziphezulu. Iimali zabantu zivame ukuphakama ngaphezu kwexesha njengoko zihlakulela amava omsebenzi kwaye zifumane ukunyuswa. Umkhwa wemali onqwenelekayo ongenakho ukuphakamisa ama-alamu xa uchaphazela kuphela imali encinci ingabangela iingxabano xa ichaphazela isamba esikhulu.
I-Classic Saver / Spender Ukungalingani kunye nendlela echaphazela ngayo ubuhlobo bakho
Phantse kwisiqingatha sabathathi-ndlebe - aba-47 ekhulwini-bathiwa bebudlelwane obunomgcini-khuselo / ukungena kwe-spender, oku kuthetha ukuba elinye iqabane lingumsindisi ngelixa elinye lalingumgcini. Ngamanye amazwi, phantse i-1 kwi-2 zibini zithi zineenkcitho ezahlukeneyo kunye nemigangatho yokugcina.
Ewe, iminqweno eyahlukileyo ingaba yintsikelelo. I-spender ingakhuthaza umncedisi ukuba aphumle kwaye anandiphe ixesha. Ngokufanayo, umncedisi angakhuthaza umgcini ukuba acinge ngokucokisekileyo ngekamva, ukudala izicwangciso ezicwangcisiweyo, kwaye ubaleke iimvakalelo zesikhashana. Le ibhalansi ingaba nempilo.
Kodwa ukuba iqabane elinye lixhalabisa kakhulu malunga nezicwangciso zabo zomhlalaphantsi, inqanaba lesetyala, okanye i-cash reserve kwi-akhawunti yabo yasebhanki edibeneyo, kwaye enye iqabane liyakunqumla le nkxalabo kwaye iyaqhubeka isichitha ngokungaqhelekanga, lo mgcini-ntsapho / u-spender uxinzelelo ungabilisa kwiintlungu ezinzima .
Ukufihla Ukuthengwa KuyiNgxaki Ephezulu Kubudlelwane
Ukunqanyulwa kwiinkcazo zehlabathi kungesinye sezizathu zokuba ezinye izibini zifihla ukuthengwa kwemali komnye. Phantse ama-20 ekhulwini labaphengululi baphendule bathi baye bathengisa i-$ 500 okanye ngaphezulu - baza bagcina ukuthenga kufihliwe kumlingane wabo.
Ukuba loo nto ayikuvumi, le nombolo yecandelo elilandelayo linokuthi: ngokwemibiko ye-CNBC, iipesenti ezi-6 zabaphenduli zithi zigcina ikhadi "lesikratshi" okanye i-akhawunti yebhanki apho iqabane okanye iqabane lawo lingakwazi.
Enyanisweni, ingxelo ehlukile ye-CNBC ibeka inani elithile kule datha: i-7.2 yezigidi zabantu baseMerika, ezinezigidi ezingama-4.4 kunye nabafazi abayizigidi ezi-2.8, bagcina i-akhawunti yebhanki eyimfihlo okanye ikhadi lekhredithi apho iqabane okanye iqabane lingazi.
Le datha ibonisa kuphela imibhangqwana ehlala kwindlu enye kwaye ijonge "njengabantu". Akwabandakanyi, umzekelo, izibini ezithe zahlukana kodwa zingabhalwa ngokusemthethweni-ephepheni.
Ukungahambelani kwezeMali kungabangela ukuhlukana
Ukuthetha ngokuqhawula umtshato, le ngxelo ibhekisele kwisifundo esinexesha elide malunga neengqungquthela ezingama-4 500 eziqhutywe yiYunivesithi yaseKansas apho abaphandi bafumanisa ukuba "iingxabano malunga nemali zazingumntu ophezulu wokuqhawula umtshato."
Okwangoku, uphononongo lwabahlalutyi bezimali abangama-200 abazisebenzisayo ngokubhekiselele kwiimeko zokuqhawula umtshato bafumanisa ukuba impikiswano enxulumene nemali yayiyinye yezizathu ezibalulekileyo zokuqhawula umtshato, kunye nokungathembeki kunye nokungahambelani okusemthethweni. (Njengoko sixoxile, "ukungalingani okuyisiseko" kunye nokungahambelani kwemali kunokunxulumana.)
Ngenxa yokuba le ngcamango ebomini yezibini ezithandanayo ngemali okanye ukufihla imali yazo, akukho mangalisi ukuba abaphantse aba-3 kwi-4 bathi ngoku bakholelwa ukuba "ngokulinganisela okanye kubaluleke kakhulu" ukufumana iqabane eliphethe Indlela efanayo yokuphathwa kwemali kunye nohlahlo lwabiwo-mali.
Ngoko, Ngaba Kukulungele Ukuba Neengxaki Zemali-Abaphuli?
Oko kusikhokelela kwingxoxo yethu yangaphambili - ngaba kulungile ukugqiba isigqibo sokuba iimpawu ezithile zezemali okanye izimo zengqondo zilamano-baxhamli-ntsebenziswano, ngokukodwa ukuba "uthanda nje" okanye kumanyathelo okuqala olwalamano?
Nguwe kuphela onokuphendula loo mbuzo. Kodwa kunikezelwa ukuba uxinzelelo lwezezimali ngenye yezinto eziphambili zokuqhawula umtshato kunye nolwalamano lwentsebenziswano, kukho iingxabano ezinamandla ekumiseni ubudlelwane be-relationship-breakers.
Nangona le ncoko ijolise kakhulu kulondolozo kunye nokusetyenziswa kwemali yokuphathwa kwemali yansuku zonke, unokufuna ukujonga kwakhona iiparameters zakho "ezichaphazelekayo" malunga neendlela zokutshala.
Umzekelo wokungahambelani kwemali kunye noTyalo-mali
Khawucinge nje, ngomzuzwana, elinye iqabane lingumtyalo-mali osengozini. Bakhetha ukugcina imali yabo yokugcina ixesha elide kwizibophelelo kunye neeNqwelo-mali. Baziva bexakekile malunga nombono wokutshatyalaliswa kweemarike, kwaye-kungakhathaliseki ukuba bangabadala okanye ixesha elifanelekileyo -injongo yabo yokutyala malunga nokugcinwa kwengcebo kunokuba ubutyebi buqokelele.
Emva koko, cinga umtyalo-mali olinganiseleyo. Lo ngumntu okhululekileyo ngokunyaniseka, ofumana isabelo esiphezulu semali, ofuna ukuchithwa ngokufanelekileyo kwiiklasi ezincinci kunye nezinye iiklasi ze-asethi , kwaye ngubani onenjongo yokuphuhlisa utyalo-mali. Abafaneki ukuthenga izitokethi, kodwa xa besenza, basisigqibo sabo ngokuhlalutya ngokusisiseko kwaye babambelele eso sithuba seminyaka.
Lo mtyalo-mali olinganiseleyo unokuba nexesha elinzima ukufumana ukuvisisana kwemali kunye nomlingane ochaphazela umngcipheko-kodwa ezi mbono zehlabathi ezichaseneyo akudingeki ukuba ube ngumthengisi. Oku kungaba yinkqubo yeklasi "yokuchasa" ukukhangela ngendlela ephilileyo.
Ezi zimbini zingakha izicwangciso zezimali ezihlangeneyo kunye. Umtyalo-mali oyimodareyitha angakhuthaza umntu okhuselekileyo ukuba athathe ingozi efanelekileyo. Kwaye umtyalo-mali okhuselekileyo unokumcebisa iqabane lakhe ukuba ingcinga ethile okanye utyalo-mali kubonakala kungengozini.
Esi sibini sinokufumana ibhalansi enkulu. Basenokufumanisa ukuba banamandla ngakumbi.
Kodwa kuthekani ukuba umtyalo-mali okhuselekileyo waqala ukutshata nomntu onobulumko obugqithiseleyo?
Khawucinge ukuba umtyalo-mali otshatyalaliswa ngumngcipheko waqalisa ukutshata nomtyalo-mkhulu. Masithi umtyalomali okhutheleyo ufuna i-100% yezobulungisa ezilinganayo. Bayekhenkcela iingcebiso eziqhelekileyo malunga nokwabiwa kwempahla ; Bakholelwa ukuba banako ukufumana ngaphezulu kuwo onke amashishini kwaye abayikukhumbuza ukuguquka kwamasango apho iphothifoliyo yabo ingahlangana nayo endleleni.
Enyanisweni, abayena umxhasi weemali okanye uxhasomali lwemali . Bonwabela ukukhethwa kwempahla nganye. Baye bangena kumanqaku athengiselwano- ntengiso ( ETNs ), bathengisa imali kunye nekamva lempahla , kwaye bazimisele ukwenza iibhetti ezinkulu ngokusekelwe kohlalutyo lobugcisa .
Ngaba ucinga ukuba ubudlelwane obuphakathi kohlobo lotyalo-mali kunye nomtyalo-mali okhuselekileyo unokusebenza?
Mhlawumbi akunjalo. Ulwalamano lwabo lwaluya kufuna imilinganiselo enkulu yokunciphisa kunye nentsebenziswano - kwaye nangona kunjalo, ingahle iwele phantsi kwintengiso elandelayo.
Le yimeko apho "ukuchasana kukukhawulela" kodwa ayikwazi ukudibanisa i-shared shared future. Ubuncinane, kungekho ikamva elibandakanya iimali ezihlangeneyo.
Ubuhlobo obuphilileyo obufanele bubukeke
Ithetha ntoni le nto? Ubuhlobo obuphilileyo bufuna ukuba bobabini abantu bahlanganyele ngexabiso, imbonakalo kunye nemikhwa efanayo, kungekuphela nje ukuchitha kunye nokulondoloza, kodwa kunye neendlela zokutshala imali.
Oku kufana nomyalelo omude, akunjalo? Ndiyathetha, ukufumana iqabane elineengcamango ezifanayo malunga nokuhlawula imali kunye nokutyalomali? Unokuzibuza ukuba oko kwenzeka.
Kodwa ungakhathazeki. Wena kunye neqabane lakho akudingeki ukuba ubone iso ngamehlo kuzo zonke iinkcukacha. Enyanisweni, kungcono ukuba awuyi.
Okubaluleke kakhulu kukuba umboniso wakho jikelele malunga nendlela ulawula ngayo imali yakho "phakathi kwendawo" yomnye nomnye.
Kulungile ukuba umntu omnye u-spender omncinci ngelixa elinye lixhomekeke ekuhambeni. Kulungile ukuba umntu omnye athengise ngokukhawuleza, ngelixa elinye livinjelwe.
Akudingeki ukuba ube namawele emali afanayo. Ngethuba nje ukuba obabini unokwabelana ngesinye isigxina - xa nje ungekho kude kakhulu kumngcipheko mngcipheko kwaye uchithe / ugcine i-spectrum-kukho ithuba elinamandla lokuba uya kusebenza.
Enyanisweni, ulwalamano lwakho lunokuba lucebile.