Musa Ukukhawuleza Ukunciphisa Ukuchithwa Kwezimali Zakho kunye Neempahla Zakho
Oku kunokuthi umahluko phakathi kokuhamba ngexesha leentlekele zezoqoqosho ngaphandle kokugqithisa isisu okanye ukulahlekelwa ubuthongo bunye ubusuku okanye ukuba izinwele zakho ziphelelwe yinkxalabo njengoko uzama ukuzenza ngosuku, ukwesaba indlela oya kuyo ukubeka ukutya etafileni.
Ukuphambukisa Imali Yakho Kubalulekile Ngenxa yokuba Ukhuseleko Lwabasebenzi LuyiNgxaki
Xa uqale uqale uhambo lwakho lokutshala imali, mhlawumbi ukuba ininzi, ukuba ayinayo yonke, ingeniso yakho yomzi, iza kuvela kumsebenzi wakho oyintloko. Oko kukuthi, uthengisa ixesha lakho ngokutshintsha imali. Ingakanani oyifumanayo ngeyure kuxhomekeke kwizakhono zakho - ireyithi yehora iya kuhluka ngoxhomekeke ekubeni unogqirha, umakhi wokwakha, umongikazi, umgcini we-janitor okanye uprofesa ngenxa yokubonelela ngeemfuneko / iimfuneko. Le yimeko eyanelisayo yemicimbi ... ekuqaleni.
Akuyona imeko yezinto omele ukwanelise ixesha elide.
Akukho nto inobungozi kunokuthembela kumqeshi omnye okanye ababini ukuxhasa iimfuno zakho zeengeniso zekhaya. Nangona oku kuhambelana nobulumko obuqhelekileyo, obangela ukuba kugxininiswe kubasebenzi njengendlela yokuqala yokukhuseleko lwezoqoqosho, musa ukwenza iphutha: ukhuseleko lwentsebenzo. Enyanisweni, ndiya kufikelela kumnini- shishini onomthamo onobuncinane onokuguquguquka kokungena kwiimarike ezintsha okanye ukulungelelanisa isakhiwo sakhe seendleko, ukuba unokuba nolwazi lwezemali ukwenza izigqibo zobulumko, kwindawo ephantsi kakhulu engozi kunotitshala wesikolo onokucinywa ngenxa yeengxaki zebhajethi naphezu kobuninzi bokungapheli kwemali.
Isizathu? Ukuba utitshala ulahlekelwa ngumsebenzi wakhe, akukho mali entsha ezayo emnyango wokuthenga ukutya, ukuhlawula i-petroli, okanye ukwakha ubutyebi . Ukuba umnini-shishini uye wakhula ishishini ngendlela eneengqiqo ngaphandle kokuxhomekeka kunomthengi omnye, umthengisi, ishishini, icandelo, okanye i-marhwebo, kufuneka ahlale enemali eyaneleyo yokufumana umgangatho omhle wokuphila.
Ukuchithwa kweMali Yakho Imali Akunakufuneka uthabathe i-Savings yakho kunye neAfa yomhlala-phantsi xa amaxesha afika
Ngaphandle kwalokhu, ukusebenzela ukuhlukana kwemithombo yakho yengeniso kubalulekile ekutyaleni kwakho imali kuba kaninzi abo baye bachithwa okanye baye bafumana ukuhlawula okuninzi abakuphoqeleka ukuba badibanise kwiakhawunti yomhlalaphantsi, bahlawule izigwebo zokurhoxiswa kwangaphambili , ukuhlawulwa kweerhafu kunye neerhafu (ukuba ungakhankanyi ukulahlekelwa kwamashumi eminyaka okuhlanganiswa okwenzekayo ukuba imali yakho yayihlala ngokukhuselekileyo kwi- 401 (k) , 403 (b) , iRoth IRA , iRoth 401 (k), i-SEP-IRA, IRA elula , i-IRA yenkcubeko , okanye i-akhawunti yomhlala-phantsi efana noko). Ukwazisa ukuba ngexesha lokubuyiswa okukhulu kwe-2007-2009, amanye amaphepha adume kakhulu kwi- Investing for Beginners site ayenokuhlangabezana nokuxhatshazwa kobunzima ukusuka kwi-401 (k) iingxelo kunye neendlela zokukhusela iifizi zerhafu zokuqala kunye nentlawulo ehambelana nokubetha ukuya kwi-IRA phambi komhlalaphantsi.
Le nto yayingeyona ingxaki kwinkqubo yokuthatha umhlalaphantsi yaseMelika yasekudala ; nokuba ngaba ulambile, awukwazi ukudibanisa kwimbuyekezo yakho yempesheni kwaye uza kufaka umhlalaphantsi wakho engozini, kodwa ezo ntsuku zide emva kwethu. Abaninzi baseMerika, ukuba bangcono okanye babi kakhulu, bangaphantsi kwefownuni bayakunqanda ukuba bangakwazi ukuhlasela ibhenki yeengqungquthela xa iimeko ziba nzima, ziphantsi kunye nazo zonke.
Imizekelo emibini edumileyo ibandakanya abadlali beloti kunye neenkwenkwezi zezemidlalo. Ngenxa yokungafuni ukwahlula imithombo yabo yokufumana imali ngokusebenzisa i-lottery zabo ukunqoba izinto ezivelisayo, abaphumeleleyo beLotter baya kubhoxiswa kwizinga elifanayo abangenalo i-lottery abaphumeleleyo. Basebenzisa imali yabo kwixabiso lokunciphisa i-asethi njengemoto kunye nokuzonwabisa kunokuba kubekho izinto ezilahla izabelo, inzala kunye neentlawulo .
Abadlali abaphumelele. Ukucinga ngemali yabo ephakamileyo kuya kuhlala ngonaphakade xa isitimela siphelela, asinayo i-chip chip esitokisini esilahla imali engenayo . Abanalo mali-mali abemi abavelisa imali yabo. Abanalo iibhondi ezibonisayo ngenzuzo yengeniso . Ngenxa yoko, uqikelelo olungama-78 kwabangama-100 abadlali be-NFL ngokuqhelekileyo bexinzelelekileyo kwimali kwiminyaka emibili yokuthatha umhlalaphantsi. Kwi-NBA, inani li-60 kuma-100.
Iindlela zokuPhucula iNgeniso yakho
Nazi izikhokelo ezimbalwa eziqhelekileyo zokuphambukisa ingeniso yakho:
- Ukuchitha inzuzo yakho ngeklasi ye-asethi
- Ukwahlula umvuzo wakho ngamacandelo kunye noshishino
- Yenza idibansi yakho ingeniso ngengozi
- Ukwahlula umvuzo wakho ngommandla wendawo
- Ukwahlula umvuzo wakho ngelizwe, ulawulo lwezopolitiko kunye nemali
Ukwenza njalo kunika ezininzi iinzuzo zeemathematika ngaphandle kokunciphisa ingozi.
Umzekelo obalaseleyo wokungafani kwemithombo yengeniso ivela kwidolophu yakudala. Ummeli ovelele, owakha umgaqo wezomthetho, wasebenzisa umvuzo wakhe ukuphuhlisa ishishini eliqhankqalazayo eliqhankqalazayo. Njalo ehlobo, uluntu lukhangele phambili ukuba luvule, kunye neenqwelo zemoto ezijikeleza kwisakhiwo njengoko abantu babonisa ukunyanga kwabo. Ibhizinisi ngokwalo lalilula kwaye lifunwa ukuba lingabikho longamela, lisebenza kwisakhiwo esincinci esisodwa kwisithuba sokupaka umthengisi omkhulu. Ndiyazi ngabaninimzi benkampani abakhiweyo abasebenzisa ubuchule babo ukuphucula imoto yamanzi kunye neendawo zokugcina kwiiphothifoliyo zabo, kubanikezela umgca weempatho ngamanye amaxesha ukuba ishishini lokwakha liyeke ngenxa yeengxaki zezoqoqosho. Ndiyamazi umrhanki owathenge iimpahla zokuhlamba impahla, iifama, kunye nezabelo zomenzi webhamu, yonke ingeniso yokupompa ebomini bakhe ngaphandle kwebhanki. Ndiyazi ngabantu abathengile amalungelo omculo wengoma, benandipha imirhumo efika ngokungalindelekanga.
Kwiblogi yam, ndize ndenze ezinye iimeko zolu cwangciso. Umculi-umbhali weengoma uDolly Parton uye wakha enye yexabiso elikhulu kwinani lonke lokuzonwabisa ngokunciphisa imali engenayo. Wasebenzisa ukunyusa kwakhe inzuzo ukufumana, ukuphindaphinda, ukwandisa, kwaye ukhule ihotele, indawo yokuhlala, kunye nepaki yendaba eTennessee. Nangona uqala ngento kwaye ungalokothi ube ekholeji, yenze ukuba ibe ngumcebisi kunokuba nguKumkanikazi waseNgilandi, impahla yakhe eyalinganiswa phakathi kwe-$ 450,000,000 kunye ne-900,000,000. Unokuba neendawo zokutyela eMissouri. Imfihlo yakhe iyakuphepha into engayiqondiyo. Uziva ekhululekile kakhulu kunye neendawo ezingaphandle kwee-stocks ngoko ke akazukuthenga izikhefu. Kulungile. Unokufumana ubutyebi ngaphandle kokugcina iifotyi .
Ingundoqo xa ulwahlula umvuzo wakho ukhumbule ukuba ungalokothi utyalomle into ongaziqondiyo. Ukuchithwa akuthethi ukuphosa imali eludongeni. Indlela oya kuyenza ngayo eyahlukeneyo iya kuxhomekeka kwizinto eziliqela ezibandakanya 1.) umdla wakho siqu, 2.) uqoqosho ngexesha (ezinye iimpahla ziza kuba zithengeka kunezinye ngenxa yemeko ye-capitalist), kunye ne-3.) ipesenteji yengeniso yakho uyakwazi ukuzinikela ekukhuliseni utyalo-mali.