Akukho Uhlobo-Uhlobo-Lufanele-Yonke Imimiselo yohlahlo lwabiwo-mali
Iingcamango zethu zobugcisa kukuba akukho nto kwiimali zomntu ngokwawo ubukhulu obufanayo-bonke. Kukho iindlela ezininzi zokwenza uhlahlo lwabiwo-mali , kwaye kufuneka u-1) ufunde malunga neendlela ezahlukeneyo kunye no-2) khetha isicwangciso esilungele kakuhle ubuntu bakho, iimfuno kunye nemeko yezemali.
Yingakho ibizwa ngokuba "ngumntu" wezemali.
Nazi iindlela ezimbalwa ongayenza uhlahlo lwabiwo-mali:
Indlela yoLuntu
Inkqubo yesabelomali yendabuko kukulandelela imali yakho. Uza kubona ubuninzi bakho beenkcitho ngokuphonononga iingxelo zakho zebhanki kunye neengxelo zekhadi lesikweletu nganye ngenyanga; xa wenza inkokhelo ngenkokhelo, phawula indleko phantsi kwesikhokelo .
Ekupheleni kweveki okanye inyanga nganye, hlaziya imali yakho ukuze ubone ukuba luwela ngaphi "kwinqanaba," njenge-rent / mortgage, i-utilities, i-inshurensi, ukuzonwabisa, igesi, ukutya, iimpahla, ukwakheka, ukunakekelwa kwezilwanyana kunye nokunye. Ezi phesheya zixhobo ezilungileyo ezinokukunceda ukuba wenze.
Kwakhona, le yindlela yendabuko, kodwa akusiyo indlela "eyiyo" ngayo. Kukho izinto ezininzi.
Indlela ye-50/30/20
Le ndlela yokuhlawula ibhajethi ilungele abantu abangafuni ukulandelela yonke ipesenti, kodwa bafuna ukuqinisekisa ukuba bazinikezela imali eyaneleyo yokugcina imali kunye nokuhlawulwa kwetyala.
Ngokomgaqo we-50/30/20, i-50 ekhulwini ye-pay-home pay yakho kufuneka ibhekiswe "kwiimfuno," 30 ekubhekiselele ku "kufuna," kunye no-20 ekubhekeleni imali kunye nokuhlawulwa kwetyala.
(Funda ngaphezulu: Yintoni ekufunayo kwaye yintoni imfuneko? )
Makhe sicinge ukuba awufuni kakhulu ukulandelela idoli nganye, kodwa uthanda ingcamango yokunamathela kwindlela ye-50/30/20.
Nantsi indlela elula yokuyenza:
Okokuqala, ngokuzenzekelayo uqondise iipesenti ezingama-20 ze-home pay pay yakho kwi-akhawunti yokulondoloza. Qala ngokulondoloza - oku kubizwa ngokuba "ukuzihlawula kuqala." Misela ukutshintshwa ngokuzenzekelayo kwimihla yokuhlawula ngokukhawuleza uyanciphisa imali kwi-paycheck yakho, ukuze ungaluboni. Yahlukanisa le mali ibe yintlangano ye-akhawunti yomhlalaphantsi kunye neye-non-pension.
Ngokomzekelo, unako ukubeka eceleni iipesenti ezi-5 kwi-akhawunti yokulondoloza eyabhalwa " ukwenza inkokhelo yemoto kum ," ama-5 ekhulwini kwi-akhawunti yokulondoloza ebekelwe bucala ukuhlawula ekhaya , kunye neepesenti ezili-10 ukuya kwi-401k yakho. (Ngethemba lokuba uya kuba nomdlalo womqeshi oongeza iipesenti ezingaphezulu kwe-3-5).
Okwesibini, hlawula zonke "iimfuno" zakho zenyanga zenyanga. Bhatala imali yakho yokuthenga , iimpahla zakho, inkokhelo yakho yefowuni, ukuhlawula imoto yakho. Ukuba ngaba ezi bhili zingakulungelanga, zibeka eceleni iindleko zeendleko ezithile kwi-akhawunti ethile yokukhangela oyisebenzisayo ukuhlawula kuphela "iimfuno zakho." Ukuba unemfuno ezithile omele uzihlawule ngokunyuka okuncinci kwinyanga leyo, kufana nophethiloli, beka bucala imali enyangeni kweso sizathu sokujonga.
Nantoni na isalayo ingasetyenziselwa "ukufunwa" njengeefrestile, iibhayisikobho, ezemidlalo, iimpahla kunye nezicathulo ongazidingi ngokwenene, kunye nezinto ezintle ezinjengeendawo zokuhlamba imoto, inkonzo yokucoca indlu, i-TV ye-cable kunye ne-salon haircutcut.
Ukuba unqumle amanani kwaye ubone ukuba imali ekhoyo yokuchitha kwi-"ufuna" ingaphantsi kweepesenti ezingama-30, uya kukwazi ukunciphisa "iimfuno zakho." Ukuba akukho nto, ukugcina kwakho akuyi kubandezeleka, kuba uhlawule kuloo Ekuqaleni.
Gcina, uze usebenzise
Nantsi inguqu echitshiyelweyo ye-50/30/20 indlela: xa uhlawulwa, uzibeke ngokuzenzekelayo ipesenti ethile kwi-savings. Ipesenti ezingamashumi amabini ubuncinane kufuneka ulondoloze, kodwa uzive ukhululekile ukukhetha inani elikhulu. (Injabulo: uSir John Templeton, umsunguli weTimleton Investments, kuthiwa uye walondoloza ama-50 ekhulwini lakhe lokuhlawula ekhaya xa esemncinane kwaye eqala ukuphuma, kunye neentente ezili-10 kwicawa yakhe.)
Emva kokuba uhlawule imali yakho yokugcina imali, sebenzisa lonke ixesha. Musa ukukhathazeka malunga naziphi iindidi ozichitha kuzo, kwaye ungakhathazeki malunga naliphi "ibhakethi" iindleko eziwela kuyo.
Qinisekisa ukuba ulondoloza imali eyaneleyo, kwaye uzive ukhululekile ukuchitha yonke into njengoko uthanda.
Hlola ngokukhawuleza izilinganiso zakho ukuqinisekisa ukuba unelungelo lokufikelela kulo lonke inyanga, kwaye ulungelelanise njengoko kuyimfuneko ukuba awuyi. Emva kweenyanga ezimbalwa zolu, uya kufumana ukuxhamla ngokuzenzekelayo ukuphila ngendlela ehambelana nemali engenayo, ukunciphisa imali oyilondolozile ekuqaleni kwexesha lokuhlawula ngalinye.