Ukufunda Iingxowa zeMali kwi-Young Age ingahlawula iMida
Ukuphila kweKholeji kuyinto enomdla kwaye inzima kubafundi abaninzi. Ukufuduka kumama nobawo, ukuhlala ngokwakho (okanye kunye naye), ukwenza izigqibo kuwe kwaye ukulawula iimali zakho nje zimbalwa zeendlela eziza kubhekana nazo. Ukuba nesicwangciso esilungiselelwe ngaphambili kwaye unamathele kwisi cwangciso ngokukhawuleza kunokunceda ukuqinisekisa ukuba usinda kwenguqu kunye nobunzima obuncinane.
Nantsi indlela yokwenza isiseko esomeleleyo semali ngexesha lakho kwikholeji.
Iindleko kunye nohlahlo lwabiwo-mali
Enye yezinto zokuqala kunye nezona zinto zibalulekileyo ekulawuleni ngempumelelo imali njengomfundi wekholeji kukuqonda iindleko zakho. Kusenokwenzeka ukuba awunakuze uhlalutye imali yakho ngaphambi kokuba uhlala nabazali bakho ubomi bakho bonke. Kuza kuntshatyalaza okokuqala xa ubhekene neengxaki ezibuhlungu ukuba kukho imida kwizinto ongayisebenzisa. Kodwa, unokunciphisa ukubetha ngokufunda izinto ezisisiseko zokuhlawula imali.
1. Ukudala uhlahlo lwabiwo-mali . Uhlahlo lwabiwo-mali lucwangciso nje lokuba uza kuchitha njani imali yakho ngenyanga. Ukwenza ibhajethi yakho yokuqala kwikholejini, qalisa ngokwenza uluhlu lweendleko zakho ezizinzileyo, ezifana nerenti, izifundo, iincwadi, imirhumo yemoto, izibonelelo kunye nokutya. Emva koko, yenza uluhlu lweendleko zakho zokuqonda ezifana nezambatho kunye nokuzonwabisa. Ukuba ungenayo inkcazelo into oyisebenzisayo kule mimandla, unokufuna ukuvumelanisa i-akhawunti yakho yasebhanki kwisicelo sohlahlo lwabiwo - mali ukulandelela ukuthenga kwakho.
Kuze ukwazi ukuba zeziphi iindleko zakho zanyanga zonke, uza kuba nexesha elinzima ukwenza ibhajethi eyiyo yokusebenza. Yongeza zombini kunye nokuchithwa kwemali kunye kunye, uze ukhiphe loo nto evela kwingeniso yakho ukwenza isabelomali esisisiseko.
2. Funda ukuhlala ngeendlela zakho. Uhlahlo lwabiwo-mali luyakunceda ubone oko uchithayo ukuze unqande ukungena kwiitalente ukuze ugcine impilo yakho.
Njengomfundi wekholeji, i-electronics ebiza, ukuphuma kunye nabahlobo bakho nokutya ngaphandle kwamaxesha amaninzi ngeveki mhlawumbi uya kuba yinto edlulileyo. Qinisekisa ukuba udibana neembopheleleko zakho zemali ngaphambi kokuba uqale ukuchitha kwizinto ezingenakudinga ukuba ungasindisi. Khumbula, iikholeji mhlawumbi iya kuba lixesha lobomi bakho xa wenza imali encinane kakhulu, ngoko kukulungele ukulungelelanisa ukwenza okuthile.
3. Zama ukuphepha ukuqokelela ityala xa kunokwenzeka. Amatyala angakwazi ukukhawuleza kwaye anokukulandela emva kweminyaka engaphezulu kweekholeji. Gcina ikariti enye kwikharityhulam ngakwesokunene, kodwa zama ukuphepha ukuyisebenzisa nayiphi na into engekho imfuneko. Ukuba uya kusebenzisa i-credit for the purchase, kuphela ukuhlawula oko unokukwazi ukuhlawula ngokupheleleyo inyanga nganye. Oku kunokukunceda uphephe iintlawulo zenzalo kwaye kunokukunceda ukuba ukhulise amanqaku akho.
Ukulungiselela Ixesha Elizayo
Akukaze kube lula ukuba uqale ukugcina ingxowa-mali yexakeka, ukubeka eceleni imali yokuhlawula ekhaya okanye ukucinga ngomhlalaphantsi. Nangona ixabiso elincinci, yithetha i-$ 25, ukubeka kancane kunye nekhekhe ngalinye liza kuqala ukuqokelela ixesha elide kwaye kukunikezele ngendawo efunekayo xa ubeka kwindawo apho uyifuna khona.
Ekuqaleni ebomini bakho uqala ukugcina, kungcono ukuba uya kuba xa kuziwa kwimali egcinwe kwiimeko ezinxamisekileyo zezoqoqosho kunye neendleko ezinkulu ebomini, kubandakanywa nomhlalaphantsi .
Musa ukuwela kumgibe wokucinga ukuba unokulinda de uze uphumelele kwaye ufumane umsebenzi wakho wephupha ngaphambi kokuthatha ingqalelo imali yakho. Ubomi abusebenzi rhoqo njengoko kucwangcisiweyo kwaye ixesha lixabiso lakho elikhulu xa kuziwa ekulondolozeni imali. Nangona kungabonakali njengeebhakethi ezimbalwa ngeveki ogcina kwiikholejini kuninzi, uya kubulela emva kokugqiba. Kwaye xa usuqala umsebenzi wakho wokuqala, unako ukuqhubeka ukongeza ukonga lwakho ngokulungiswa kohlahlo lwabiwo-mali kwi-akhawunti (ethemba) ngenzuzo ephakamileyo kwaye usebenzise inzuzo yomqeshi, njenge- 401 (k) icebo .
Ukulawula iindleko zangempela zobomi kunye nokuzama ukugcina iinjongo zakho zemali zangexesha elide kuyimisebenzi enzima kubantu abaninzi, kungekhona nje kubafundi beekholeji.
Ukuzibeka njengomntu omdala onoxanduva ngokusemncinci kuya kunceda ukubeka isiseko sekusasa lemali elikhuselekileyo.