Ngaba Ufanele Udibanise iiAkhawunti okanye Ugcine Imali Eyodwa?
Ufumene uMnu okanye uNksz Right, uhambe kunye kwaye uqala ukwabelana ngobomi bakho. Kodwa ngaba ufanele wabelane nge-akhawunti yakho yasebhanki? Yabelana ngamakhadi esikwereti? Vula i-akhawunti yomhlala phantsi?
Makhe sijonge kwiip pro and con con's co-mingling your money.
Ipro ye-Merging Your Money Together
Iinjongo zabelane - Wena kunye neqabane lakho kuya kufuneka ukuba nihlanganyele iinjongo zemali. Mhlawumbi unabhambathiso sokuhlawula imali yakho kwiminyaka engama-10.
Mhlawumbi nonke nifuna ukuhlala umhlala-phantsi kunye nonyaka we-2035. Okanye mhlawumbi ufuna ukugcina i-$ 5,000 ngaphambi kokuba ube nosana. Xa usufikile imali yakho, unikwe ngokubanzi kwimpumelelo yomnye nomnye.
Ukugcinwa kweeRekhodi - Ukugcina umkhondo wemali yabantu babini kungangcolisa, ngakumbi xa uzama ukuba yi-ultra-specific. Cinga nje le ngxoxo kunye neqabane lakho: "Undikwele inxalenye yeebhilidi zesebenzayo. Undikwele inxenye yesitolo." Andizange ndifune uFido; i-dogfood iphuma kwi-paycheck yakho. "
Iindleko zokulandelela zilula kakhulu xa uphosa imali yakho kubhodlela elilodwa elibelwe.
Ukwakha Ubungane - Ukujoyina i-finance kunokukunceda wena kunye nomlingane wakho ufezekise ukuba "thina" kunokuba "wakhe" kunye "naye." Yisimboli sokuba usondela ebomini njengeqela okanye iyunithi.
Nika-kwaye-Thatha- Njengoko uhamba ebomini, wena kunye nomlingane wakho uya kuba namava ebbs kunye nokugeleza kwingeniso yakho.
Ngamanye amaxesha, unako ukufumana okungaphezulu kunokuba iqabane lakho lenze, kwaye ngamanye amaxesha, iqabane lakho linokuba ngumntu ophakamileyo wokutya. Ukujoyina iimali zakho kukuvimbela "ukugcina amanqaku" omnye komnye.
Ukwakha Intsapho - Abantwana yiprojekthi ephambili yokusebenzisana. Kuya kuziva ukuba akunakwenzeka ukwahlula imali oyichithayo kwi-Junior.
Ukuba isicwangciso se-inshurensi yempilo yengane ivela kumsebenzi kaTata, ngaba oko kubalwa njengenxalenye yenkxaso kaTata? Ukuba umama uhlala ebukele umntwana kodwa namhlanje ufuna umntwana, uhlawule okanye ngaba ixabiso elibiweyo?
Ukunciphisa ukungalingani - Ubuhlobo bakho buya kugqiba buziva bubuhlungu xa omnye wenu enemali yokubhabha eHawaii ngelixa elinye lalingxaki. Ukudibanisa imali yakho kukunciphisa ingozi yokuba iqabane liza kuziva uxinzelelo lokuba "uqhubeke kunye" okanye "uhlahlo lwabiwo-mali ukuya" kwinqanaba lomnye.
Amanqaku emivuzo - Amakhadi amaninzi eemali-mboleko anika umvuzo omkhulu xa usichitha ngaphezu komlinganiselo othile. Ukuba uhlawula amakhadi akho ekhredithi ngokupheleleyo inyanga nganye (ungayithathi ibhalansi!), Unokuzuza ngokukwabelana ngekhadi lesikweletu kwaye ukhawuleze umvuzo wakho. Oku kungathi kungenasizathu esicacileyo - ngokuqinisekileyo asiyiyo isisombululo esinamandla sokwenza isigqibo sokubelana ngekhadi lesikweletu nomntu othile - kodwa ekubeni izibini ezininzi zivuyela eli lungelo, ndacinga ukuba ndiza kuthetha.
I-Con ye-Co-Ukulinganisa Imali Yakho
Ukulahlekelwa kwesigqibo somntu ngamnye - Omnye umntu uya kulubala kuyo yonke into oyithengayo. Nangona iqabane lakho lingasayi kuthetha nantoni ngeendleko eziyimfuneko, iqabane lakho lingase lizame ukuvota umnqweno wakho wokuchitha i-$ 150 kwi-salon yeenwele okanye i-$ 400 kwenkqubo entsha ye-stereo yemoto.
Yiza kumngcipheko - Wena kunye nomlingane wakho unokufuna ukuba neencoko ezincinci ngaphambi kokuza kwezimali zakho. Uya kufuneka uxoxe ngeengcinga ezifana nale nto: "Ingaba imali endiyifumana ngaphambi kokuba sihlangane njengokuba yam, okanye njengethu? Ngaba ityala endilifakayo kwintsebenziswano yethu lilingana nam, okanye ngathi?" Kungenzeka ukuba ufike kumngcipheko kule miba.
Funda ngaphezulu: Imibuzo yezeMali yeBaqabane Ukuxoxa.
Amanqanaba athile okutyalo-mali - Umlingane wakho unokuba ngumcebisi-ukhuseleko okhetha ukutyalomali kwiibhonksi , ii-CD kunye ne-akhawunti yemarike yemali, ngelixa unomngcipheko-mngcipheko okhetha ukutshala imali kwiimarike ezithengayo okanye ukuthenga iimpahla. Xa ujoyina imali, wena kunye neqabane lakho kuya kufuneka uvumelane ngesicwangciso-mali. Okukhokelela ngokugqibeleleyo kwinqanaba elilandelayo ...
Ulwabiwo lwePortfolio - Iphothifoliyo yakho inokuthi ilungelelanise ngokuthe ngqo kwixesha lakho kunye neenjongo, kodwa xa udibanisa iimali ungafumanisa ukuba nonke nidinga ukulingana. Xoxa nomgcini-akhawunti wakho ngaphambi kokuba wenze nayiphi na inguqu eninzi, njengoko ukuhlaziywa kwemali kunokubangela ukuba kubekho impembelelo enkulu yerhafu.
Ingozi yeNgxowa-mali - Ukuba amagama abo bobabini kwi-mortgage, ikhadi lesikweleti okanye umboleko wemoto kunye nomlingane omnye uyahamba nayo, iqabane elisele liza kubanjwa ukwenza zonke iintlawulo. Kungenjalo, zombini izikolo zakho zekhredithi ziya kufakwa.