"Sinelungelo lokuba nemivuzo ephezulu," kusho iNew York Jet ngaphandle komgcini-mgca uJoshua Martin, oneminyaka engama-3.8 yezigidi. "Kodwa imisebenzi yethu ayidluli ixesha elide." Ukwenza imali yokugqibela yinye yezizathu ezenza ukuba kube yimpumelelo ukuba aye kwiinkampu zokuzikhethela zemali ezikhethiweyo ezifakwe yi-NFL.
Ukunyaniseka kwemisebenzi yabo emfutshane kubandakanywa yinyaniso yokuba abaninzi babo bahlala besitsha ngokutsha kwiimali zabo.
"Kwabaninzi balaba baqhubi i-NFL yithuba labo lokuqala lo msebenzi," uthi uCarla Lide-Bugilone, uMphathi weProgram ye-NFL Player Engagement. "Ukuba nenani lemali abayenzayo elitsha kubo. Sidinga ukubonelela ngemithombo ukuze bakwazi ukuphatha kakuhle imali yabo, batyala imali ngexesha , kwaye bakhulise. "
Kodwa akudingeki wenze izigidi zeedola ngonyaka ukuze uzuze kwizifundo abazifundayo.
Indlela yohlahlo lwabiwo-mali
Kwenene? Ufuna uhlahlo lwabiwo-mali kwishishini apho umvuzo omncinci we-rookie u-465,000 we-$ (ngo-2017)?
Ewe, utsho uMaura Attardi, uMlawuli wezeMali zeMali kwiZiko loLawulo lweMali (eziphi iiprogram zezinye iinkampu zokuqhawula). Oku kubangelwa ukuba abadlali abafumani ikhekhe yokuhlawula rhoqo ngonyaka: Ngaphandle kokuba beya kuma-playoffs, abadlali be-NFL bahlawulelwa kwiiveki ezili-17 zexesha eliqhelekileyo, ngoko kufuneka batyulise eso sixa phezu kweleyo unyaka.
Oku kufuna isicwangciso-mali esisisiseko, uthi. "Sinabalandeli bakha uhlahlo lwabiwo-mali ngokuchaza, le nto unayo xa kufike imali yokuhlawula imali, oku kukubekwa bucala ukuba uchithe, ukugcina, ixesha elide lokuphila, kunye neenjongo zakho zexesha elide."
Indlela yokuQala phambili
"Ufanele wenze isigqibo malunga nezinto ezibalulekileyo kuwe ofuna ukuzenza ngemali yakho," kutsho iNew York Yorker Linebacker Devon Kennard.
"Emva koko kufuneka unike abanye abanye." Abadlali abafumana ingxaki yezemali ngabo bachitha enkulu kwizinto zonke, kunokuba bathathe izinto ezimbi. Ngaphandle kokuba ungeyena umdlali ohlawulelwayo, "awukwazi ukuba ngumntu onemoto, umntu onomntu, umntu ocebileyo, umntu ofuna ukuhamba, kunye nomntu ofuna ukunyamekela intsapho yakho," uthi. KwaKennard, oko kwakuchaza phambili ukuhamba, isicwangciso esithathileyo ukuya eCosta Rica, eHaiti, eJamaica naseCabo, kunye neBahamas neRiphablikhi yaseRominican kwikhalenda kweli hlobo.
Indlela yokulungiselela ukuhlaselwa ngokukhawuleza kwiNgeniso
Kwabaninzi abantu, ukulahlekelwa ngokukhawuleza kwemali kungeniswa kwindlela yokuchithwa okanye ukulahleka komsebenzi. Kubadlali be-NFL, kudla ngokuba yingozi yokwenza umsebenzi. UMartin uthi, "Simele sikhumbule ukuba imisebenzi yethu imfutshane, kwaye impela, umsebenzi we-NFL oqhelekileyo uhlala iminyaka eyi-3.3 kuphela. Oku kuhlanganiswa yinto yokuba - ngokungafani nezinye iindibano ezintathu zezemidlalo ezinkulu zaseMelika - i-NFL ayifuni iimvumelwano eziqinisekisiwe ngokupheleleyo. Oku kuthetha ukuba, umzekelo, ukuba iminyaka engama-4, i-$ 28 yezigidi ezihlawulwa ngomhla we-payday ingakhokelela ukuhlawula umvuzo wonyaka wokuqala kuphela xa umdlali efumana ukulimala kakhulu okanye ukulahla emsebenzini.
Injongo kufuneka ibe kukugcina ubuninzi njengoko unakho, ukuqala ngeeprogram zomhlala-phantsi ezigqithisiweyo zerhafu kodwa udlula kubo (kwaye ulondoloze ngaphezulu) xa kunokwenzeka.
"Ndidala iinjongo zobungakanani bokugcina minyaka yonke," kusho uMartin. "Ndiyaqinisekisa ukuba ndingu- 401 (k) , kodwa ndiyazi [ndiyakwazi] ukugcina ngaphezu kwesiqingatha sento endiyenzayo ngaphandle kokuphazamisa isita sam."
Indlela yokusingatha i-Windfall
Unika nayiphi na izigidigidi ezingama-dollar ezi-19 ukuya kwe-22 zeedola ngosuku olunye kwaye uxelele ukuba uhambe ubomi obukhompilweni, baya kuba nokuhla, "kusho uKennard. Baya kuba nabantu abaninzi befuna ukuwahlula kwimali yabo, kumalungu omndeni osweleyo kubantu abashishini abafuna utyalo-mali.
Ikharityhulam ye-MMI igxile ekuhlukaniseni imvakalelo evela kwizigqibo zoshishino - kunye nokuba unika uncedo lwezemali kumntu omthandayo unceda okanye awonakalise ingxaki engundoqo. Kodwa, uthi, "into enamandla kakhulu kukuba uhlahlo lwabiwo-mali ." Oku kukunika isakhelo sokuchazela abantu abacela ukuba imali yakho sele isetyenziselwe iinjongo zexesha elide.
Indlela yokuba neCwangciso B
Bobabini uKennard noMartin bajolise ekubhekeleni kubomi emva kwebhola. Ngenxalenye yakhe, uMartin, onomdla kwimali, wenze i-internship-internships kunye neenkampani kwindawo yokutshala imali. UKennard, ojolise kwintsimi yonxibelelwano kunye nokuphathwa kwezoshishino, uchitha ixesha lakhe elikhululekile eliya kwiSixeko saseNew York ukudibana nabantu abaphumelele kakhulu kwezo shishino. "Ndiyaqonda ukuba lo ngumdlalo ongahlali ngonaphakade," ushilo. "Impumelelo enkulu njengoko ndinayo kwintsimi, ndifuna ukuba nempumelelo engaphezulu kwintsimi."