"Umzuzu wakho okhulileyo wezezimali xa uqonda ukuba imali iya kuchaza ubomi bakho, nokuba uyifunayo okanye cha," utshilo uBobbi Rebell, umbhali wencwadi entsha ethi "Indlela Yokufumana Imali Ephakamileyo." "[Imali ] ulungelelanisa yonke into ukususela kwiintsapho zobudlelwane kunye nokukhethwa kwemisebenzi - kwaye ngokugqithiseleyo zonke izigqibo zokuphila eziphambili zingachazwa ngendlela osebenzisa ngayo imali kunye nemali yakho. "
Incwadi kaRebbell ithatha amaxesha kunye neengcebiso ezivela kwiikhompyutha ezingama-30, kuquka uTony Robbins, u-Ivanka Trump, uKevin O'Leary we "Shark Tank" kunye nomqambi uCynthia Rowley. Ixesha lakhe elichazayo lafika nge-23, xa wathenga indawo yokuhlala eNew York. "Ndacinga izibalo, ndacinga ukuba ndiyakwazi ukuzithengela kwaye kungcono kunokuqasha," kusho uRebell.
Ephefumlelwe yincwadi yakhe, sacela izigidigidi zemali zeblogi kunye nabalobi ukuba zeziphi izihlandlo zabo. Ukususela ekuhlawuleleni irhafu ukufumana ingcebiso yomshuwalense wezempilo, nakhu okuyixesha lokuqala "lomntu omdala."
Xa uMalume uSam Ukhupha iNtloko yakho Ngaphandle kweNtshonalanga
UGarrett Philbin, 30 ( Yiba Ngummangaliso, Ungagqithwanga)
Umzuzu kaPhilbin wafika xa efumanisa ukuba yintoni na irhafu yerhafu kunye nendlela ayefuna ukuyilungiselela kwangaphambili. Uthi: "Ndayazi ukuba kufuneka ndibeke into ethile," utsho. "Ndenza imali engama-30,000, ndingenakukwazi ukuwufumana kwaye ndicinga ukuba kuya kulungile - kubiza ngokungazi kakuhle - ngoko andizange ndijonge kuyo." Yiza ixesha lokunyusa - emva komnyaka wakhe wokuqala emsebenzini - Uncle Sam wamthuma i-bill ye $ 3,500.
"Kwakungomzuzwana wam ongcwele kunye neengcamango zabantu abadala: irhafu ayifuni, kwaye kuphela xa ndijamelana noloyiko ndingayikhwela ibhola lokungazi."
Wafunda ukuhlala ngaphantsi kwaye waqalisa ukugcina isisithi sesithathu semali yakhe engenayo kunyaka olandelayo. Uzohlala ufumana imali ngokukhawuleza ekupheleni konyaka kwaye uya kufunda ukuhlala ngaphakathi kweendlela zakho kunokuba uzikhohlise ekubeni ucinge ukuba unemali engaphezulu kunako, "ushoyo.
Xa iinyo zinokubangela iindleko zenyanga ezimbini
Stefanie O'Connell, 30
Uthe uOcconnell uthi: "Yonke loo minyaka yobuntwaneni bokulala kubazali bam malunga nokutshitshisa amazinyo ngaphambi kokuba ndilale, ukuze ndidibanise kwiminyaka engama-20 ubudala. Ekugqibeleni, wazifumanisa kwisihlalo somnxeba wamazinyo kunye nesigxina esidala - esiye saba ngumngcambu weengcambu, isisombululo kunye nokufakelwa. Ngaphandle, ngeli xesha, wayengekho kwisicwangciso se-inshorensi yempilo yakhe yomzali kwaye wayenayo ingxelo yamazinyo. Umthetho-mali: $ 2,000.
Yona yimizuzu eyayiqonda ngayo ukubaluleka kokulondolozwa kongxamiseko . Uyazi ukuba usukhulile ngokusemthethweni xa i-akhawunti yokulondoloza impilo kunye nokuphepha kwetyala lesithakazelo esiphezulu liba lixhomekeke kunezinto zokunethezeka zobomi, "esho. Ucebisa ukuba uphathe umrhumo wakho weengxowa-mali ngokukhawuleza njengentlawulo yakho okanye ii-billing utility: ungekho uhlawulekayo uhlawula ekuqaleni kwenyanga nganye.
Xa Ucinga Ngomso
Erin Lowry, 27 ( Broke Millennial)
Umzuzu we-Lowry weza xa ehamba nge-401 (k ) kumqeshi omdala waya kwi-IRA. "[Kwakungowokuqala ndaqalisa] ukulawula imali yam kwaye ndiqiniseke ukuba ndiyazi kakuhle ukuba yonke indawo yayiphi indawo, kunokuba ndithembele nje ukuba ndikhumbula indlela yokufumana izandla kwi-401 ubudala (k) kwiminyaka embalwa, "Kusho u-Lowry.
Xa ushiya umsebenzi, u-Lowry uthi, lixesha lokuhlola zakho iinketho. Abanye abaqeshi baya kukuvumela ukuba ugcine i-akhawunti kunye nabo (ngamanye amaxesha kukho imali engama-5,000 ubuncinane). Ngaphandle koko, kufuneka uhambise.
Kwaye phambi kokuba unike isaziso, khangela ukuba ngaba uya kuhamba kunye neminikelo yakho yomqeshi. "Abanye abaqeshi basenokuba basebenzise ishedyuli yokucwangcisa okanye i-cliff yokutyala - oku kuthetha ukuba uthabatha kuphela, okanye mhlawumbi akukho, umrhumo womqeshi kuxhomekeke kwithuba elide ube nalo nkampani."
Xa Ufumana Iingcebiso Ezinye
Tonya Rapley, 32 (My Fab Finance)
Abantu abaninzi bakhula ngokufuduka kude neengcebiso zabanye. URapley wathuthela kuwo. Ngo-2013, waqesha umcebisi wezemali (osebenza naye namhlanje). "Ixesha lokukhula kwam imali efikile xa ndifumene ingxelo yam yokuqala kwi-akhawunti yomcebisi wezezimali kwiakhawunti yam utsalo-mali," utshilo.
"Ukudibanisa nomcebisi kuyamangalisa, kodwa i-oh-my-gosh ixesha lokuba 'ndatyala imali kule nkampani, kwaye ndiza kubona ukuba benza ntoni' ngokwenene.
Uthi ukutshala imali kuhluke kwiingxoxo zebhajethi kunye neentengo zemali. "Ndiya kuchaza ubudala bemali ngokwenza izinto ezilungileyo kuwe - ukhetha ukuzenza ngokunyanzeliswa ukuba wenze."
Xa Ulawula Ulwabiwo Lwakho
I-Chelsea Fagan (I-Diet Financial)
"Kuze kube neminyaka engama-23, ndahlala ubomi bam bonke bemali ngokungathi ndiza kufa mhlawumbi okanye nokuba ngutyebi - andikaze ndicwangcise phambili, ndisindiswe, okanye ndihlawule iindleko zam ngaphandle kokuba ndifanele ukuba," esho. Umzuzu kaFagan wafika xa ekugqibeleni wamhlawula ikhadi lakhe lekredithi elingagqibekanga elithintela amanqaku akhe .
Wafumana iintlawulo zakhe emva kokufumana ukuhlawula kwiprojekthi enkulu yomsebenzi, kodwa endaweni yokuziphatheka, wathatha inxalenye yesheke kwaye wayibeka kwityala. "Kwakungumsebenzi omnye ondibeka endleleni ukuze ndenze izinto ezininzi ezinempilo, ezivelisayo ngemali yam, kwaye ngokwenene wandenza ndonwabele indlela yokulondoloza, ukuhlawula imali, kwaye ngokuqhelekileyo ukwenza okulungileyo."
Xa i-Cash-Cow Cow yakho iCheck Backfires
Tess Wicks, 25
U-Wicks uthenge ipropati yokuqashisa xa wayeneminyaka engama-23, athi, kufuneka ukuba ube ngumzuzu wakhe omdala, kodwa kwakungekho. Kwafika ngeveki elandelayo, xa abantu behla beqhekeza iindaba zokuthi enye yezindlu zokuhlambela i-Wicks yayikhukula indlu yabo. " Ininshurensi yakhe yomnini-mali ayizange ifake umonakalo kwabanye abantu kwaye abaqeshi abazange bafune ukubika umonakalo wabo i-inshurensi, ngoko ke iWicks kwafuneka ihlawule i-plumber, ikhontraktha kunye nxalenye. Ngaloo mzuzu wambetha: "Ndingumnini wezindlu."
Kulabo bafuna ukuba ngabanikazi bemihlaba bemi bodwa, uWicks uthi, "Kungenzeka kube nzima ukubeka inkokhelo yakho phantsi, kodwa qiniseka ukuba ushiye ngokwaneleyo kwi-akhawunti yakho yokulondoloza ngongxamiseko kwiimeko ezixakekileyo ezixakekayo."
Yimalini? "Shoot for $ 5,000. Oku kungabonakala kuninzi, kodwa ukulungiswa kwimizi yezona zinto zibiza kakhulu kwaye zixhaphake kakhulu.
Xa Ugqithisa kwiBhanki kaMama noTata
Zina Kumok, 28
"[Kwakuba nini] ndifumene umsebenzi wam wokuqala kwiikholeji kwaye ngokukhawuleza kwafuneka ndihlawule yonke into," kusho uWimok. "Kwafuneka ndibeke phantsi i-deposit deposit, ndihlawule irenti kwaye xa imoto yam idinga ukutshintsha kweoli, yinto endibetha ngayo." Ngaphezu koko, ixesha lakhe lobabalo lugqiba inyanga emva koko, kwafuneka aqale ukwenza imali yokuboleka . Kwakuye ke wabuyela kwakhona kwingcamango yohlahlo lwabiwo-mali.
"Ndayazi izinto ezisisiseko: sindisa umhlalaphantsi, utyalo-mali, ugweme amatyala-kodwa andizange ndifune ukubeka olo lwazi," esho. U-Kumok wayezame ukuhlawula ibhajethi encinane ekholejini, kodwa ayizange ifakwe. Kodwa waqonda ukuba ukuze ahlawule umboleko wakhe wabantwana kwangaphambili, kwafuneka atshintshe imikhuba yakhe yokuchitha. Wenza, kwaye ngoku uyaziwa ngokuhlawula imali yakhe engama-28,000 wemali-mboleko yomfundi kwiminyaka emithathu. Ukongezelela uhlahlo lwabiwo-mali, "Ndiyakucebisa kwakhona ukuhlawula okungenani encinane kwintlawulo-mboleko yomfundi, kunye ne-$ 10 okanye i-$ 25. Yonke inkokhelo ephakamileyo, thabatha loo mali uze uyibeke kwimali mboleko yakho. Ezi zinguqu zinyuka ziya kukunceda uhlawule imali yakho ngokukhawuleza. "
Kunye noKelly Hultgren