Oko I-My Fyre Festival Debacle yangifundisa ngemali

Ndiyindlalifa yeFyre Festival. Enyanisweni, qalisa ukuba: Ndangomnye wamathambo owasondayo. Xa mna nabahlobo bam besenza "ikhaya" lethu, sazi ukuba lolu hambo luya kuba yinto yokudlala, kodwa intshaba esaye yaba nayo yaya kuba kude ngaphantsi kwezinto zethu ezilindelekile ezisele zisezantsi. Ndihlala ndihlawula, nalo.

Akukho nto ikhupha iwaka leminyaka njengamava okuphila kwangaphambili, kwaye uFyre wanikela ngokufanelekileyo.

Ndiqinisekile ukuba uye wawabona ama-Instagrams: iimodeli eziphezulu ezihamba nge-sunbathing kwi-yachts, ukubetha nge-jet-skis, ukubhukuda kunye nokuthatha i-selfies kunye neengulube zesiqithi (inqaku elithengisayo, mna). Iphakheji yethu yeetekiti ezisibhozo zasibiza i-$ 4,000, ezaquka iikitikiti zomthendeleko, indawo yokulala ubusuku obuthathu / iintsuku ezine, i-charter chart charter ukusuka eMami ukuya kwi-Exumas, kunye nokutya.

Le $ 500 ayizange iguqule i-chump, ubuncinane kungekhona kum - ngelixa amahlaya malunga neJa Rule ebeka i-1% kwisiqithi ayimangalisa, lo luhambo lokuba ndilondoloze kunye nebhajethi. (Kwaye ndiyichukumisa ukucinga ngabantu abasebenzisa amawaka angaphezu kwamava "okunethezeka".) Kwaye kwakudingeka sihlele ukuthutha kwethu ukuya eMiami. Kodwa, ngokubanzi, bekuzwakala kuhle kakhulu ukuba yiyinyaniso-yokuqala yeeflegi zeebomvu ezininzi.

Intlekele "yoMthendeleko"

Sasizibona sizidanisa iintsuku nobusuku siye kwiCoco Plum Beach ukuya kwisandi se-Pusha-T, i-Desiigner, i-Migos, i-Matoma, i-Blink 182, iLazer enkulu kunye nokuchazwa - ukubiza ezimbalwa.

Andiyicinga ukuba nabani na owenza oko, ngaphandle kokuba behlala kwiSandali. Kumelwe ukuba bafumene le memo ngaphambi kokuba senze.

Ukuba ufunde nawaphi na amabali, uyazi ukuba inyaniso yayiphumelele kwisithembiso. Ukuqala, "i-geodeic domes" yethu - okufuneka ufumane ukusetyenziswa kwe-GPS ukulungelelanisa - izibhengezo ezithembisayo zolwandle olwandle.

Idonga lethu (eliye labonakala lifana nebhegi le-IKEA esikhwameni) lingenalo imibono yolwandle, kodwa yayimanzi. Ngobusuku bokuqala, mna kunye namantombazana am ndalala kwiimitha zokulala - ngenxa yesiqhwithi esasibetha ebusuku-ngaphandle kwemigodi kunye neengubo zokulala. Sifumene amathunga angaphezulu kwi-concierge engenamntu kwaye sisetyenziselwa ukufudumala. Sasilala kunye neliso elivulekileyo: Njengoko kwakungekho nhlangano kwindlu, sasilahlekile kwaye siphuze imiphefumlo ejikeleza ngaphakathi nangaphandle kwethu konke ubusuku. Asikwazanga ukuva ulwandle, kodwa iimoya ezabetha i-dome ziphazamise phezulu kwaye zenze ukuba zizwakala ngathi umntu wayechoboza isikhwama seplastiki entlebeni yakho.

Amava ethu okutya kwakufuneka aphetshwe yiQela laseCharrr Catering Group, iqela emva kokuthandwa kwe-Upland, i-Morimoto ne-Clock Tower. Esikhundleni salo, sasidla ngokunyamekela ngabasebenzi basekhishini baseBahamian, abenza wonke umntu inkukhu ye-barbecue, intetho yeentlanzi, kwaye, ewe, i-sandwiches yokutya kunye ne-cheese-on-cheese eshicilelwe kwi-media media (intombi yam Madison idla ezimbini).

Ndiyayixabisa ngokutsha ii-oranges kunye nobhiya, kuba oko kwandilondoloza iiyure ezingama-24. Kwakungekho nabathengisi bokutya, abangekho ngokwaneleyo abantu abahambisa amanzi, kunye nobunxila obuninzi bokuthenga kunye ne-Fyre Bands (ngaphambili ngaphezulu).

Enyanisweni, ukuba ne-bar ifumaneka yiyona isithembiso esisinikele kuyo: $ 14 I-Casamigos margaritas kwi-plastiki encinane I-Dixie iikomityi zokumisa iintlungu zethu ngenxa yokuzilahla.

Izifundo ezifundwayo

Ukuba awukwazi ukuxelela ngoku, ndisenamanzi njengesiqhezu sam margarita, kodwa ndisuke ndisuka. Nazi izifundo zemali ezintlanu ndasinda nazo:

I-Akhawunti yokuThutyana kweeNkcitho kwiNgxowa-mali yakho yeNgxamisekileyo , Njalo.

Ubungqina bentengo yobubomi bobuqu bodwa buba neenyanga ezintathu ukuya ezintandathu zomvuzo kunye nezindleko zokuphila ezilondoloziweyo ezingalindelekanga - nokuba i-$ 2,000 iinjongo ezilungileyo. Kodwa andizange ndiqwalasele ukukhawuleza kwezohambo njengenxalenye yesikhuphelo sam esiphuthumayo. Ndisoloko ndiba nencazelo engakumbi malunga "nokungalindelekanga," njengokulahlekelwa ngumsebenzi, ukufumana iiglasi ezintsha okanye ukulungiswa kwemoto. Ingcaciso yam ayizange ifake phakathi kokubalekela isiqithi, ukufumana izindlu ezintsha kunye nokulondoloza ngeveki eyayihamba kakubi.

Ngoku ndiyakuthandana nokuba nokuba nekhefu lexakeka ngokukhawuleza lokuhamba, okanye ubuncinane ukuba ne-cushion nge-padding eyongezelelweyo kwi-akhawunti ngokukhawuleza kokuhamba. Okwangoku ndingaphantsi kwe-$ 800 engaphezulu kwangebhajethi yangaphambili (leyo yayingama-$ 1,200 iyonke). Emva kokuba ndiyakhele imali yam yokugcina, ndiya kuba ne-$ 500 eyongezelelweyo okanye ngaphezulu ukugcinwa kuyo yonke ihambo ndicwangcise phambili.

Iminyaka eyi-Millennial ye-Credit, Get Over It.

Ukuba ungomnye weepesenti ezingama-67 zeemillennials ezingenayo ikhadi lesikweletu, ngoko ndiyakhuthaza ukuba uphumelele kwaye ufumane enye. Amakhadi ethu ekhredithi asisindisayo ngeendlela ezininzi. Akunalo kuphela ukuba nekhadi lekhredithi elungileyo ekwakheni amanqaku akho ekhredithi , kodwa ukusebenzisa enye ihamba nenkululeko ngakumbi kunye nokukhusela kunokuba isebenzise ikhadi lokukhwabanisa , ngokukodwa kwiimeko ezingxamisekileyo. Ukuqala, awuyi kungena kwimali yakho yangempela; ngelixa sifundiswa ukuba sichithe kuphela into esinayo (isifundo esihle!), ngokwenene ikhuselekile ukusebenzisa ikhadi lekhredithi , eliza nexanduva elincinci ukuba kukho into ekhohlakeleyo eyenzekayo. Emva koko unokuwuhlawulela nge-fund yakho yexakeka, ngokuzeleyo, xa umjikelezo wokuhlawula olandelayo uhlaselwa.

Xa uhamba, i-Cash isengokumkani.

Impazamo enkulu yemali endiyenzayo yayingenisa i-R20 20 ngemali. (Uxolo, umama.) Ukuzikhusela kwam - nje kweveki ngaphambi kokuba siphume - saziswa ukuba umthendeleko wawuya kuba yi-100% ye-cashless kwaye ukuba siza kuba ne-bracelets-enabled " yeendlela zokukhokha ". awakwamkeli amakhadi esikwereti, nokuba. Ukutya kwakufakiwe, kodwa kungekhona utywala kunye nohambo. Ngako oko, basikhuthaza ukuba siqhube phambili ukulayisha imithwalo yethu "okungenani ama-$ 300- $ 500 ngosuku" kwaye nokuba nayiphina imali engasetyenziswanga iya kuhlawulwa kwiakhawunti zethu. (Omnye umzekelo weenzuzo zamakhadi-krediti: andisayifumana i-$ 300 ndayifaka ibhola lam, kodwa ndinethuba elingcono lokulibuyisela ekhadini lekhredithi ndiyisebenzise.)

Nangona kunjalo, ndimele ndiyazi kakuhle. Kufuneka uhlale uhamba nemali efanelekileyo yemali, ngakumbi kwilizwe langaphandle. Kulungile, fumana imali yasekuhlaleni, ngokunjalo. I-Exumas ayithengiswa njengentengiso njengeNassau, ngoko ke xa sasifumana ukutya ngoLwesihlanu, abantu abanemali babenele.

Ngamanye amaxesha Ukuphonsa Imali Ngeengxaki Ngaba Kuphela Isixazululo.

Savuka ngoMsombuluko kusasa ukuya kwiindaba zomthendeleko. Umbuzo waba ngoko: njani siya kuphuma apha? Amahemuhemu ayesigxina ukuba kwakungekho imali eyaneleyo yokuxhasa iinqwelo zeenqwelo zeenqwelo eziya eMiami kwaye abaninzi beemfesane beza kuba balwela iikhabhi ukuya kwisikhululo ukuze bahlole inhlanhla yabo. (Khumbula, uFyre wayephethe uxanduva lokulungiselela iinqwelo zeenqwelo zethu.) Saqala ukuya kweso sihlandlo, kodwa kwakhona saqala ukucinga ngeendlela ezikhethiweyo: i-Interisland iindiza, ukukhwela isikhephe, mhlawumbi ukubona ukuba sinokuyifumana yiphi i-yacht Ja Rule bekunjalo.

Ndinika iiprogram ezinkulu kwiqela lam ukuba ndisebenze ngokukhawuleza, ngomsindo okhethekileyo kumhlobo wam uBrandon noHank, abanokuthandana nabani na ngaphantsi kwemizuzu emihlanu. Bafuna isiluleko kumqhubi wabo weklasi, uWendy, owathi wenyuka omkhulu kuthi: Ngaphantsi kweyure, wambiza umnxeba wakhe kwisikhululo sezindiza waza wafumana iqela lethu lonke ukuya e-Nassau; Wada wasinceda ukuba sibhale inqwelo yemoto ukuba asikhethile kwaye asithathe ku-Airbnb omnye umhlobo wayebhenke. Sifike kwisiqithi ngaphakathi kweeyure. Kwakungenjalo kwintsimi yamabhiyozo, ayenamathele kwisikhumulo sezindiza ekupheleni kweeyure.

Ziqaphele iimpembelelo zentlalo kwiZigqibo zakho zokuthenga.

Ngokuqhelekileyo ndizingca ngokwazi ukuba isininzi sento esiyibona kumajelo asekuhlaleni, siyaqulunqwa, kwaye sigqwesileyo. Ngoko ngokwenene ndibetha apha phantsi. Ukuthengiswa kweeendaba zentlalo ye-Fyre kusebenze, kwaye ndihlawule ixabiso lentengo ebonakalayo. Eli thuba lindifundise ukuba ngumthengi ongathembekanga xa kuziwa ekuthengeni oko ndiyibonayo kwondlo lwam. Xa ndijonga emva, isigqibo sasingenangqiqo, kwaye kwakukho ezininzi iziflegi ezibomvu ezikhokelela ekupheleni kweveki ekufuneka zindikhusele ukuba zihambe. Ekugqibeleni, ukucaphukisa kwam kwandibiza i-$ 2,000-kwaye andizange ndidide nehagu.