Ukufumana ukulingana okufanelekileyo phakathi kokuSindisa nokuTyala
Ndizibonele ngabanye, ndathetha nabantu abaninzi, abalahlekelwa yinto yonke nangona bephethe iiphothifoliyo ezimangalisayo kuba abazange baxabise indima yemali kwiipotifoliyo zabo . Ikheshi iyafanelwa inhlonipho. Injongo yemali ayisoloko idala ukubuyisela kwakho.
Mhlawumbi indawo efanelekileyo yokuqala iya kuba ukuchaza umahluko phakathi kokulondoloza kunye nokutshala imali kuwe, ukuchaza ezi zibini zombini.
Yintoni Ingcaciso Yokugcina Imali?
Ukulondoloza imali yinkqubo yokubeka ibanda, i-cash far away kunye nokuyibeka kwindawo ekhuselekileyo, kunye ne-liquid (ithetha ukuba ingathengiswa okanye ifumaneke ngexesha elincinci kakhulu, kwiintsuku ezimbalwa). Oku kungabandakanya ukujonga ii-akhawunti kunye ne- akhawunti yokulondoloza egcinwe yi-FDIC . Oku kungabandakanya i-United States iindleko zeeNondyebo. Oku kungabandakanya i- akhawunti yeemarike zeemarike (kodwa kungekho rhoqo imali yemarike yemali njengoko kufuneka ukhangele kwi-holdings kunye nesakhiwo ngokufutshane) .
Ngaphezu kwakho konke, imali yokugcina imali kufuneka ibe khona xa ufikelela kubo; iyafumaneka ukuze ibambe, ibambe, kwaye iqhube ngokukhawuleza ngokukhawuleza okungakhathaliseki ukuba kwenzekani kuwe. Abanini-mali abatyebi abaninzi abadumileyo, kunye nabasomali-mali abadala abahlala kwi-Depression Depression, ngokwenene baxhasa ukugcina imali efihlakeleyo kwindawo ethile apho uyazi malunga nokuba iquka ukulahleka okukhulu.
Kwakungazange kwabikwa ngokubanzi ngeli xesha kodwa ngexesha lokutshatyalaliswa kwe-2008-2009, abanye abaphathi be- hedge fund kuthiwa bathumela abafazi babo ukuba bafumane imali eninzi njengoko bekwazi ukuphuma kuma-ATM ngenxa yokuba bakholelwa ukuba uqoqosho lonke luya kuqubuka kwaye akukho ukuba naluphi na ukufikelela kwi-greenbacks kwithuba elithile.
Kuphela emva kokulondolozwa kwenkunzi kubhaliwe ukuba uyakhathazeka malunga neengxelo eziphambili zemali ozibekile kwi-savings. Ngokufanayo, ukuhamba ngokuhambelana nokunyuka kwamaxabiso .
Yintoni Ingcaciso Yokutshala imali?
Ukutshala imali yinkqubo yokusebenzisa imali yakho, okanye inkunzi, ukuthenga i-asethi enokucinga ukuba inokuhle ukuvelisa i- rate ekhuselekile yokubuyisela ngexesha elide , okwenza ube lucebile nangona kuthetha ukuxhatshazeka, mhlawumbi iminyaka . Utyalo-mali lwinyani luxhaswa ngoluhlobo oluthile lokhuseleko, ngokuphindaphindiweyo kwifom yexabiso okanye umvuzo womnini. Njengoko ufunde kwiNkqubo yokuQala uTyalo -mali, iimali-mali ezilungileyo zihlala zibizwa ngokuba yizinto ezinokuthi zivelise njengezinto ezinobuncwane , iibhondi kunye ne- estate .
Ndingayigcina Kangaphi Kangakanani?
Ukugcina imali kufuneka ihlale ifike ngaphambi kokutshala imali. Cinga nje njengesiseko apho indlu yakho yemali yakhiwe khona.
Isizathu silula. Ngaphandle kokuba uzuze inzuzo yobutyebi obuninzi, yindleko yakho ezokunika inkunzi ukuze ukondle utyalo-mali. Ukuba amaxesha athathaka kwaye ufuna imali, mhlawumbi uya kuthengisa utyalo lwakho ngexesha elibi kakhulu. Leyo ayikho iresiphi yokufumana ubutyebi .
Kukho iintlobo ezimbini eziphambili zenkqubo zokulondoloza omele uzibandakanye ebomini bakho. Bazi:
- Njengomgaqo oqhelekileyo, ukugcinwa kwakho kufuneka kwanele ukufihla zonke iindleko zakho, kubandakanya imali yakho yokuboleka imali, iintlawulo zemboleko, iindleko zinshorensi, iindleko zesebenzisi, ukutya kunye nezindleko zokugqoka ubuncinane kwiinyanga ezintandathu. Ngaloo ndlela, ukuba ulahlekelwa ngumsebenzi wakho, uza kuba nexesha elaneleyo lokutshintsha ubomi bakho ngaphandle kwengcinezelo eyingozi evela kwi-paycheck ukuhlawula.
- Naliphi na injongo ebalulekileyo ebomini bakho eya kufuna imali eninzi kwiminyaka emihlanu okanye ngaphantsi kufuneka ikhutshwe ngokulondolozwa, kungekhona ukuqhutyelwa utyalo-mali. Imarike yemasheya kwimigangatho emfutshane ingaba yinto enzima kakhulu, ilahlekelwe ngaphezu kwe-50 ekhulwini yexabiso layo kunyaka owodwa. Ukuthenga ikhaya ngumzekelo omhle njengoko sixoxwa kwiindawo ezilungileyo zokuTyala imali yakho yokuhlawula phantsi .
Kuphela emva kokuba ezi zinto zikhona, kwaye unayo inshorensi yezempilo , ukuba uqale utyalo-mali (oku kubaluleke kakhulu-ukuba ufumane ulwazi olongezelelweyo ngezizathu, funda u- Investing In Insurance Intsholongwane-Enye yeMigca yokuQala yoKhuseleko kwiiNgxowa-mali zakho . Ukwahlukana nje kuphela ukubeka imali kwi- 401 (k) isicwangciso somsebenzi ukuba inkampani yakho ifanelana neminikelo yakho. Kungenxa yokuba kungekuphela nje ukuba uya kufumana ikhefu elikhulu lokwenza imali kwi-akhawunti yakho yokuthatha umhlalaphantsi, kodwa imali ehambelanayo ibhekisela kwimali engenakho unikezelwa kuwe kwi-tray yesiliva kwaye kukho ukukhuselwa kwezinto eziphathekayo kwiindawo eziphathisiwe kwi-akhawunti kufuneka ukuba ususwe ngokupheleleyo.)
Ulwazi olungakumbi malunga nokuSindisa iMali
Ukufumana ulwazi oluthe xaxa malunga nendlela onokuqalisa ngayo ukugcina imali, funda i-Guide Complete Beginner Yokugcina Imali . Izaliswe ngamanqaku, izixhobo, iincwadana kunye nezifundo malunga nendlela yokugcina imali, indlela yokutshala imali, nendlela yokuqalisa endleleni eya kwintsimi. Kungabonakala kunzima ngoku, kodwa wonke umntu ophumelelayo omele enze okokuqala kufuneka aqale ngokufumana imali, asebenzise imali encinane kunokuba ayifumane, athathe loo mali, kwaye asebenze kwiiprojekthi eziye zalahla izihlawulelo, inzala kunye neendleko . Akunabo ngcono kunoko. Ukuba ufunda into efanayo, kwaye unokwenza ngendlela efanelekileyo ukuze ulawulwe ngemali yakho, ungawufumana umvuzo wokuphumelela, njengokuba wenza. Ekugqibeleni, ukugcina imali kuhla kumathematika alula. Eyona nto imiselweyo njenge-2 + 2 = 4.