Iingcebiso kunye neendlela zokuNciphisa ingozi yokukhusela imali yakho
Kuthiwani wena nentsapho yakho?
Amasu afanayo aqhelekileyo asetyenziswa ngamanye amaqumrhu aphezulu eUnited States kunye nakwihlabathi jikelele unokukwenza okuninzi kuwe nokuba ungumbhanki omhlophe onxweme kwi-Park Avenue okanye umakhi wokwakha kwiRust Belt. Akunakwenzeka ukuba ufundiswe ngale ndlela esikolweni esiphakeme okanye kwikholeji, kodwa lixesha lokuqalisa ukujonga ubomi bakho, iimpahla kunye nemali yokufumana umvuzo - zombini inzuzo engenayo kunye nemali engenayo -njengeshishini ukuze uzikhusele ingozi ejongela ubomi bemihla ngemihla.
Ezinye zezinto ezi zinto zikhutshwe kumanqaku endala kumali kunye nolawulo lwengozi; ihlaziywe ukunikela ngolongezelelweyo, ulwazi oluncedo malunga nesihloko sokunciphisa ubungozi. Engaqondakaliyo, ndizamile ukwandisa kwiingcinga ngoko ndicinga ukuba nabafundi bexesha elide lewebhu baya kulufumana luncedo.
1. Gcina iiNtlawulo zakho eziThatywayo njengeZantsi njengoko zinokwenzeka ngokubhekiselele kwiCash Flow ukuNciphisa Ubungozi bakho bokuTywala
Ndiyifake le nkcazo ngaphambili kwaye ndifuna ukuba ucinge ngako: ayikho ityala ngeyona nto eyenza umntu angene kwi-bankruptcy, kuba akakwazi ukuhlawula.
Yingakho ndibhale ukuba kutheni Ukwakhiwa kwezoBulungisa kwiNgxowa-mali yokuTywala kungakhokelela ekugqibeleni kunye nesifundo ukususela ngoSeptemba 11-Ukubaluleka koButyala .
Ngokucacileyo, kufuneka ube nemali enempilo yentsebenzo enemveliso njengemashishini. Leyo imali eseleyo xa uthabatha yonke i- asethi yakho yangoku kwaye ukhupha iimfanelo zakho zangoku .
Ukuze wenze njalo, ufuna ukuyila inkqubo evumela ukuba wenze iintlawulo ezimbalwa xa ukuhamba kwemali yakho ephantsi kunye neentlawulo eziphezulu xa ukuhamba kwemali yakho kuninzi. Yingakho iintlawulo ezinqamlekileyo, ezifana nezo mboleko zemoto okanye ukuqeshiswa kwezindlu zangasese zinokuba zibi kakhulu ukuba uqoqosho okanye imakethi iya kutshintsha. Abantu okanye amaziko enoba ngubani okanye onayo imali ayikhathalele ukuba ukuthengisa kwehla okanye ulahlekelwe ngumsebenzi wakho. Bafuna ukuhlawulwa.
Naliphi na ixesha xa ucinga malunga nokongeza inkokhelo eyongezelelweyo yokuhlawulwa kwiphepha lakho lokulinganisela , cinga ixesha elide kwaye unzima. Kwinqanaba elithile, ungeze ngokwakho uqobo kunye nokunciphisa ukuguquguquka kwemali yakho. Kukho ukungafani kulo mgaqo wekhosi-ngexesha lexesha lokurekhoda kwamazinga aphantsi-nzala, umntu okhaliphile unokufumana iimali-mali ezithengiswayo eziphezulu ezithengisayo kwiirhafu zokulinganisa ezifanelekileyo ezinxulumene nokuhamba kwemali, ezinokukwazi ukuphakamisa amaxabiso ngokukhawuleza xa kwaye kwaye ukunyuka kwamaxabiso okunyusa, ukuxhasa ngemali ukufumana i-long-term, fixed-rate rate mortgage. Kule meko, ukuvalelwa kweso sabelo seminyaka emininzi yimeko yokulawulwa komngcipheko omhle (nangona bekuya kuba yinkqubo engcono kakhulu yokulawulwa kwengozi ukuthenga loo propati kwaye ayikho ntlawulo kuyo yonke into).
2. Sebenzisa i-Cash yakho yokuthenga iRhafu Ukuvelisa iiAsset, ukuNciphisa ingozi yakho ngokunyuka kweCash flow
Xa ukhangela idatha, abahluphekileyo kunye neklasi eliphakathi bavame ukuba nomkhwa wokuthenga izinto ezinciphisa ixabiso ngelixesha, kunye nokufuna ukugcinwa nokugcinwa. (Ndivile omnye umgcini-mali obhalisiweyo umcebisi-mali ukuba ixesha eliqhelekileyo umcebisi uthatha ukuthenga imoto entsha emva kokufumana ilifa kumntu owayesakuba ngumthengi malunga neentsuku ezisixhenxe.) Okubi nakakhulu, baxhamla ngemali mboleko, bahlawule iindleko ezingenayo irhafu-deductible, eyona nto ixabisa imali "yokuqashisa" imali. Kungakhathaliseki ukuba imoto entsha ekhankanyiweyo ngasentla, ifenitsha entsha yexabiso elithengiswayo malunga nolunye uhlobo lwempahla ekhethekileyo yokuxhaswa ngemali, iimpahla zamanzi, okanye iimpahla ezibizayo, ezo zilungele ukulwa kwemali eziphambili zibeka phambili ezi nkcitho ngokuxhaswa ngemithombo emitsha yemali engenayo yonyaka .
Bakhetha ukuthenga i-trinkets kunye ne-baubles kunezihlawulelo , inzala kunye neendleko . Isityebi esenziwe ngokwabo sichasene. Iidyesi ziza kweyesibini, iimpahla ezivelisayo ziza kuqala.
Ngamanye amazwi, abatyebi bathambekele ekutyaleni imali ngobulumko ngokuthatha ityala ukuba bathenge ixabiso elivelisayo, kunokutya, imali. Baya kuboleka imali yokwakha okanye ukufumana imoto yokuhlamba okanye ukugcina impahla, kungekhona imoto; ukuvula i-franchised local franchise okanye uqalise ishishini lokuvelisa, kungekhona i-screen-screen-screen. Akufanele nje ukuba ezo zixhobo zikhuphuke kwixabiso xa zilawulwa kakuhle, kodwa indleko yenzalo yenzelwe ukutsalwa kweerhafu, nto leyo ithetha ukuba kubiza ukuba ibole imali encinci! Iminyaka embalwa yoluhluko, kwaye isizathu sokuba abanye bazuze kwaye abanye bahlupheke kubonakala kakhulu. Ngamandla okuba nomdla wekhampani ukuguqula amancinci amancinci ukuya kumaxesha amaninzi.
Cinga ngokuthenga okufanayo - ikhompyutha yencwadi - omnye uthenge umfundi wekholeji ukuya emsebenzini kwaye omnye uthenge ukujongana neemfuno zokufunda kwi-corporation. Umfundi wethu wekholeji kunye nomgcini-mhlaba bobabini bathenge inkqubo efanayo kwaye kubiza i-$ 2,000. Umfundi ubeka kwikhadi lekhredithi aze agqibe ukuhlawula i-$ 500 ngenzala ngaphambi kokusula imali. Iindleko ezipheleleyo: $ 2,500. Emva kokufaka imali kwiirejista kunye nentlawulo yengeniso, unokufuna ukufumana i-$ 3,400 ngaphambi kwentela ukuyifumana. Ukuba ufumana i-$ 8 ngeyure esebenzayo kwi-campus kwisitolo sokuthengisa, oku kuya kufuna iiyure ezingama-425 zezabasebenzi, okanye ngaphezulu kweeyure ezingama-21 zeeyure.
Umgcini-akhawunti, ngakolunye uhlangothi, ubhala isheke malunga nenkampani yekhredithi. Naye, uhlawula i-R5 500 enye inzala ngenani elipheleleyo lama-2,500. Nangona kunjalo, ikhompyutha iyancitshiswa kwaye ixabiso lentengo ibhaliweyo, ukunciphisa ityala layo yerhafu nge-$ 750, okwenza ixabiso lentengo lomatshini i-$ 1,750 (i-$ 2,500-$ 750 = $ 1,750). Ixabisa phantse i-50% ngaphantsi komshini ofanayo, kunye nezixhobo ezifanayo, kunye nomyinge onomdla ofanayo, ngenxa yobume bekhowudi yentlawulo. Ingathethi ukuba ukuba umgcini-akhawunti ukhulisa ishishini lakhe, uya kubangela inzuzo enkulu kwaye adala amathuba emisebenzi, okwenza ukuba abe nobutyebi. Yingakho abanye oomashishini nabasetyhini banako ukufumana indlela yokuphila eninzi ngexesha lokukhula kweshishini labo ngenxa yokuba abayiqondi ngokwenene ukuba izinto ziza kuba zinzima kangakanani xa zifuna ukuzithengela. Umlawuli omdala ngumzekeliso ogqityiweyo kuba ishishini linokubonelela ngendlela yokuphila, njengokuba kuboniswe kwiofisi ephawanyini eneefowuni kunye nabasebenzi abakulungele ukukuzisa ikhofi nanini na xa ufuna okanye uhamba eFransi kwi-jet yenkampani, okuya kufuna i-$ 20 + zigidi.
Ndibhale malunga nalezi zihlandlo ezininzi, kodwa kubaluleke kakhulu. Awufuni ukuxhomekeka kumnye okanye kwimithombo emibini yengeniso yokuphila kwakho. Xa umntu elahliwe, bona kunye neqabane labo bahlala bengagcini iindleko ngokukhawuleza ngenxa yokuba bacinga ukuba umsebenzi uya kuba lula ukufumana (ngamanye amaxesha kuyenjalo), bebashiya ukuba bangeze kwii-balance balance card okanye bafake kwi-akhawunti efunekayo yomhlalaphantsi. NjengoGene General Electric, iBerkshire Hathaway, okanye i-PepsiCo, ufuna imifudlana emininzi yeengeniso kwimimandla eyahlukileyo.
Ngokomzekelo, sitsho usebenza kwindawo eyomileyo yenkampani yokwakha yendawo kwaye umfazi wakho ungumfundisi wesikolo. Yiyo imithombo emibini yengeniso engenakunxibelelana (oku kuthetha ukuba umntu uya kukhishwa, kubalwa, iziphumo akuzona ukuba ezinye ziya kuthinteka kodwa ukuba zombini nisebenze kwi-jewelry industry ngexesha lokunciphisa umnotho, oku phezulu). Ngoku, cinga ukuba unayo i-ice cream emi e dolophu. Ungasindisa ubuninzi bezenzo ngokwenza umsebenzi wena kwaye ngexesha lokushisa, unokusebenzisa ikhefu zenyanga ezintathu ukuba asebenze emva kwekharityhulam, ukugcina abasebenzi. Ingumthombo wesithathu weholo engenalo nanye neminye imisebenzi emibini. Ngaphezulu, uthatha yonke inzuzo yakho kwaye uthenge kwingxowa-mali yexabiso lokuhlawula ixabiso elincinci elenza u-3% ukuya ku-4% ngemali engenayo ngonyaka, ngelixa i-stocks eziphantsi ziqhubeka zikhula ngaphezu kwexesha elide; ngumthombo wesine wemali.
Xa ugcina iindleko zakho ezincinci, kwaye usebenzise ikhowudi yentlawulo inzuzo yakho ngokumboleka kuphela (ukuba kuyimfuneko) kwiimali ezivelisa imali, ukuqokelela imithombo yemali eyahlukeneyo kunokukunceda ukwakha ubutyebi ngokukhawuleza. Yiyo yonke into ozama ukuyenza ukuze ufumane ubutyebi - faka imali yakho ngaphezulu ukuze usebenze - akukho nto, akukho nto ngaphantsi. Njengomnye umbhali wezezimali owathi, yinto elula kwaye enzima.
4. Gcina amanqanaba aqiqayo kwintengiso ye-inshorensi
I-inshurensi enkulu ingakuhlawula iidizi kwizigidi eziphezulu ngenxa yokuba uza kugqiba ukwenza inkampani yomshuwalense ocebileyo endaweni yokwakha iphothifoliyo yakho. Ngakolunye uhlangothi, i-inshurensi encinci okanye ayikho into enokukushiya isonakaliswe ngexesha elifanelekileyo xa usengozini. Yingakho udibaniso olumkileyo lobomi, impilo, ukukhubazeka, kunye nokunye ukuphikisana nenkxaso-mali yomhlala-phantsi yomhlala-phantsi ingaba yinxalenye ebalulekileyo yesicwangciso sakho socwangciso jikelele.
Kule ngongoma, kuya kufuneka uhlalutye kwindawo ethile ekhethekileyo. I-About.com inexabiso elininzi lolwazi kwi-inshurensi kubantu kunye namashishini ngoko ndikukhuthaza ukuba uphewule kwinethwekhi ngolwazi ngamanye amacebiso ethu.
5. Musa ukuthabatha iakhawunti yakho yomhlala phantsi nangona nayiphi isizathu esincinci yeengxaki zempilo
Le nto ayisoloko iyinyani, kodwa inxalenye enkulu, kuyiphutha eliyingozi ukuthelela kwiakhawunti yakho yomhlala-phantsi ukuhlawula iibhoyili kuba kwimeko apho kufuneka ukhangele i-bankruptcy, inkundla iza kukuvumela ukuba ugcine inxalenye enkulu yale nto ndibeka eceleni kwegolide yakho iminyaka. Ingathethi ukuba nayiphi na imali yokurhoxisa iya kuhlawulwa kwaye ihlawule i-IRS.
Le nxalenye yinto endikhathazayo malunga neengxaki zamatyala zakutshanje. Abantu banokutshutshiswa kakhulu ukuba bafumane imali kwi-akhawunti yabo ye-401k okanye ye-IRA ukugcina iintlawulo zabo zokuhlala eziphambili. Ukuba abanakukwazi ukuzikhupha kwi-mess, okanye batshaywe ngolu hlobo olunjengobunzima bokulahlekelwa umsebenzi, ngoku baye banciphisa ubuninzi bemali yabo, badlulisela isabelo esithile sobutyebi babo kwiHulumeni kaRhulumente, kwaye kusele kushiywa ngaphandle nento, okanye ncinane kakhulu, kwigama labo.
Ukuba bebephumelele ingxaki ngelolwazi oluninzi, basenokuba nako ukubuyisela inxalenye enkulu yeempahla zabo nangona balahlekelwa yindlu yabo. Oku kuya kukwenza kube lula, kulula ukuqala ngaphaya kwaye yiloo nto kufuneka uxhalabele ukuba ngaba ufikelele kuloo nqaku. Ininzi yenu ngokuqinisekileyo niyakhumbula amazwi kaKoopa ongapheliyo (uBowser), utshaba lukaMario ngaphezu kweminyaka engama-25 edlulileyo xa waqala e-United States waza kamva waba nomboniso wethelevishini: "Lowo uhlala ebalekela ubomi ukulwa olunye usuku. " Le ngcebiso iya kubanceda abantu abaninzi bejongene neentlekele kakuhle.