Mhlawumbi wayeziva ekhululekile kuba ndithetha ngemali yokuphila. Okanye mhlawumbi ndinobuso obuthi "Andiyi kukugweba." Kodwa le nto yayingowokuqala kum. Kwamava am, abantu bathambekele ukuphepha le ngongoma efana nesibetho xa sithandana.
Idatha ibonisa ukuba andisodwa. Ngokutsho kwephononongo olutshanje olwenziwa ngu-SoFi, iipesenti ezingama-39 zeemillennials zingathanda ukutyhila isifo esisasazekayo ngesini kunye nomlingane onokuthi uxoxe nabo ukuba bangakanani na amatyala .
Ngelishwa, ukuphepha ukuthetha ngemali xa uthandana kukukhokelela kumjikelezo onobungozi. "Ngaphandle kokubona, ngaphandle kwengqondo" kuya kuba yinto eqhelekileyo, kwaye sinokukuphepha kuze kube emva komtshato. Emva koko, ngelinye ilanga, sivuka kwaye siyaqonda ukuba sisesinye siphumo semali.
Kukho amabali amaninzi ngokukrakra ngokuphathelele ubudlelwane bemali ntlekele , ukusuka kwii-akhawunti zebhanki ezifihlakeleyo kwiindawo ezilahlekileyo zemarike ekuthengiseni iimali zamatyala amakhulu. Kwimeko enye ebaluleke kakhulu, ndandinomhlobo onokubiwe ukuba ngumntu owayekade ebiwe ngumyeni wakhe, oye wahlawula i-$ 30,000 yamatyala ekhredithi egameni lakhe.
Kwaye nangona bengapheli ekubhubhiseni kwezemali , ukulwa ngemali kulungele apho kunye nokungathembeki kwintlu yezizathu eziqhelekileyo zokuqhawula umtshato.
Njengokuba iqabane lingenakukuthemba xa uthe wawaxoxela nomnye umntu, nabo abanakukuthemba xa ukungathembeki kwezezimali kwenzeka.
Yingakho kungomdla wethu ukuqala ukuba neengxoxo zemali kunye namaqabane ethu ekuqaleni. Nantsi imali encokolayo oyifunayo kwisigaba ngasinye sobudlelwane bakho.
IsiGaba seNyanga seNyunithi
Hayi, isigaba senyango. Yile nto xa yonke into iyithandeka, i-endorphins yethu iphezulu nathi, kwaye sisacinga ukuba omnye umntu akakwazi ukwenza okungahambi kakuhle.
Akumangalisi ke ngokokuba ukuba nencoko ngemali ngelo xesha ingabonakala ngathi yinto encinci kunye nobuncinane obungayithandana nayo. Kutheni u bulala le vibe, kunene? Yaye, inyaniso iyatshelwa, kungenokuba nzima ukuthetha ngemali ekuqaleni kwangaphambili (ngaphandle kokuba ungumhla wam ubusuku obunye). Kodwa ngaphambi kokuba ufumane ubunzulu phakathi kobuhlobo, kubalulekile ukwazi oko usebenza nabo.
Enye indlela yokuqalisa ukuxoxa ngengxowa-mali kukuthetha malunga nantoni na ukuba uyayixabisa kwaye yiziphi iinjongo onayo .
Iimilinganiselo kunye neenjongo zihlala zinexabiso elithile elixhomekeke kubo, ngoko kuya kuba yindlela elula yokujonga kwisicatshulwa semali. Umzekelo, ukufuna ukuhamba ngehlabathi okanye ukuqala ishishini liza kufuna enye intetho yengxowa-mali. Kukho nantoni na into ofuna ukuyenza iya kuquka imali ngandlela-thile.
U-Elle Martinez we-Couple Money ucebisa ukuba alulawule kuyo ngemibuzo enjengale "Yintoni ofuna ukuyenza ekupheleni konyaka?" Okanye "Ufuna ukuhlala phi kwiminyaka emihlanu?"
"Emva kokuba ubabini ubala ukuba ufuna ukuhamba phi, kulula kakhulu ukuhlaziya amanqaku uze uze nesicwangciso sokufika khona," ushilo.
"Ngaloo njongo, ungavula namanye amanani."
Uyabhala kwakhona ukuba unokwenza njani uvavanyo oluqhutyelwe ekuxhaseni ngeenjongo. Njengoko ubuhlobo buqhubeka, ucebisa ukuba basebenzisane kunye kunye neenjongo ezizuzisayo.
Enye into ongayenza ekuqaleni kukuthetha ngokukhuliswa. Emva koko, uyazi kakuhle?
"Enye indlela yokuxoxisana nesihloko kukubuza ukuba imali yenziwa njani kwintsapho yabo," utshilo uValerie Rind, umbhali weGold Diggers kunye neDadbeat Dads: Iindaba ezilungileyo zabangane, intsapho kunye nokudilizwa kwemali . "Ngaba yayingumlomo, okanye ngaba abazali babo bebala ngokucacileyo malunga nezimali zeentsapho? Ingaba ikhadi lekhredithi kunye nelinye ityala lamukelwe inxalenye yokuphila kwabo? Ngaba ukugcina imali kuqala? Iimpendulo zabo zinokukunika ithuba lokuqala indlela abaphatha ngayo imali yabo. "
Kule nqanaba ekuthandeni xa kufuneka ubone ukuba okanye akunjalo ulwalamano olufanelekileyo. Ngelishwa, yile nqanaba esiye sithatha ukukhuphaza ukuze sikwazi ukugxila kumalungu amanandi.
I-"This Is Taking Serious" Isigaba
Emva kokugqithisa isigaba se-honeymoon, izinto ziqala ukufumana ngakumbi.
"Akusilo ixesha lokuba u-coy," uxwayisa iRind. "Xoxa ngezinto ezifana nomvuzo wakho kunye neminye imali engenayo, i-asethi kunye namatyala."
I-Rind iphinda ilukise ngelinye icala elibi le-balance sheet-oko kukuthi, amatyala-akuyena kuphela indawo apho isibini esingahambelani ngaso. Inyani le nto iqabane lakho linokuba lucebile kwaye lisetyenziswe ngendlela ethile yokuphila xa ujwayele ukulula idoli.
Into ebalulekileyo kukuba le ngxoxo iyenzeka ngaphambi kwesinyathelo esilandelayo sonke: Ukunyuka.
Ukuhamba kunye
Uninzi lwabantu luhamba kunye kunye nokugcina imali, kodwa ngokutsho kweRind, oku kusenokuba sisona sizathu esihle kakhulu sokwenza. Ukholelwa ukuba kufuneka uhambe kunye ngenxa yokuba uzibophezele.
"Kwenzeka ntoni xa usuhlula?" Utshilo. "Unokubambelela kwiimeko ezikrakra apho omnye umlingane angenakukwazi ukuhlala eyedwa. Ngaphandle koko, ukuzinyamezela kunye nezinto zakho zingenokuba nzima kwaye ziphikisana nje ngexesha lomtshato, "uxwayisa.
Ngoko ngeli nqanaba, isibini sinokufuna ukuthetha ngokuphathelele ubudlelwane babo ukuqinisekisa ukuba zihamba zizathu ezifanelekileyo.
Ukuzibandakanya
Ndiyathemba ngoku ukhululekile ukuthetha ngemali, kwaye uninzi lweengongoma ezibalulekileyo lukhutshwe. Kule ngongoma, ukongeza nje kwingxoxo eqhubekayo.
Nangona kunjalo, kufuneka uqinisekise ukuba ezi zilandelayo zihloko zixoxwa kwaye zilandelwe:
- Ingeniso (umvuzo, izabelo, ingeniso engenayo) kunye nokuncitshiswa
- Amashishini anakho
- Imali ebolekwe kwabanye abantu, nokuba yintsapho okanye enye
- Nawaphi na amatyala amatyala
- Ukulondolozwa, utyalo-mali kunye neminikelo eqhubekayo
- Iminikelo yokunceda (isalathisi esihle sezinto eziphambili zakho)
- Abantwana (nokuba ufuna, kunye nendlela abaya kufumana ngayo kwisicwangciso sezimali)
- Izinto ezimbi: izilingo, ukuboshwa, kunye nexesha lokubanjwa
- Izicwangciso zomhlalaphantsi.
- Uhlahlo lwabiwo mali
- I-Wills, ithemba, amagunya egqwetha, kunye nezikhokelo zangaphambili (Rind ithi kubaluleke kangakanani ukugcina konke oku kusemini ngexesha lokuphila kwakho.)
- Imbuyekezo yentela
Ukuba ukhathazekile ngokufunda olu luhlu, kha thazeka: I-Rind ithi akufanele uvumelane ngokuqinisekileyo kuyo yonke into, okanye ezininzi izinto. Inxalenye ebalulekileyo ngamnye ufumana apho enye ivela khona.
Iingcamango Zokugqibela
Emva kokuba utshatile, iingxoxo zemali aziyeki. Uza kwenza izigqibo zezimali ndawonye lonke ixesha, kubandakanya ezinye ezenzeke kamva ebomini - njengexesha lokuthatha umhlalaphantsi kunye nokucwangciswa kwempahla. Kodwa ukuba ulandela ezi khokelo kwaye ugcine imigca evulekileyo yonxibelelwano phakathi kobudlelwane bakho, ezi zigqibo ziya kuba lula - kwaye uya kuphepheka nayiphi na into engafanelekanga kwindlela.