Le ngongoma enkulu kwi-Budget 50/30/20
Ndicebisa esinye isicwangciso: isabelo-mali se-80/20. Ngoba? Kulula kakhulu kunebhajethi ye-50/30/20.
Nantsi indlela abayithelekisayo ngayo:
50/30/20 Isicwangciso
Isabelomali se-50/30/20 sahlongozwa ngu-Harvard wezoqoqosho u-Elizabeth Warren nentombi yakhe, u-Amelia Warren Tyagi.
I-duo ithi ufanele ubeke isabelo-mali sakho kwiholo lakho "ukuthatha imali" engenayo - inzala yakho emva kwentela, iipresimenti zempilo yomshuwalense kunye nezinye iindleko ezithathwa kwi-paycheck yakho.
Ingxenye yakho yengeniso yokufumana ikhaya kufuneka ihambe kwiimfuno ezifana nezindlu, umbane, i-petroli, ukutya kunye ne-bill bill yamanzi, bathetha.
Ezinye iipesenti ezingama-30 zingaya kwizinto zokuqonda ezifana nokutya kwevenkile, ukuthenga ifowuni entsha, ukusela ubhiya okanye ukufumana ithikithi kumdlalo wezemidlalo.
Ekugqibeleni, iipesenti ezingama-20 kufuneka ziye kwi-savings okanye ukuhlawulwa kwetyala.
Iingxaki ezimbini ngeBhajethi ye-50/30/20
Ngoku, ndiyakholwa le ngcebiso ephilileyo. Kodwa kukho izinto ezibini ezixhalabisayo.
Okokuqala, kunokuba nzima ukuqonda oko kukufunayo kunye nantoni na.
- I-intanethi yekhaya iyimfuneko ukuba uqhuba ibhizinisi ukusuka ekhaya, kodwa ufuna xa ungenayo.
- Izambatho, ukuya kwinqanaba elithile, liyimfuneko, kodwa emva kwelo xesha, ezinye izambatho ziba zifunwa.
- Isonka nobisi zifuna, kodwa i-ayisikrimu yintando.
Uza kuthatha ixesha elingakanani? Ngaba uya ku-line-item item bill yakho yokutya ukuze uhlule i-cookie i-Oreo kwisipinashi? Akunjalongo noko.
Kwaye kukhokelela kwinkxalabo yam yesibini: abanye abantu abafuni ukukhetha nokulandelela imali yabo.
Ukukwazi ukuba ungakanani imali oye wachitha kwizinto zokutya, izixhobo, iikonsathi kunye ne-iPads, kufuneka ulandele imali yakho.
Akunjalo ngaso sonke isikhathi umthengisi-abanye abantu bayakuvuyela ukulandelela iindleko zabo kwi-Quicken okanye ngokusebenzisa i-intanethi njengeMint.com - kodwa abaninzi abantu abanqwenela ukulandelela imali yabo. "Uhlahlo lwabiwo-mali" luvakala njengegama elihle.
Isicwangciso se-80/20
Ngoko yintoni na indawo yokuphatha imali endingayincoma ngabo bantu? Uhlobo olusondeleyo: uhlahlo lwabiwo-80/20.
Ngaphantsi kwesi bhajethi, ubeka ipesenti ezingama-20 ukugcina imali kwaye uchithe ezinye iipesenti ezingama-80 kuyo yonke into.
Ubuhle beli cwangciso kukuba awufanele uyenze YONKE ukulandelwa kweendleko. Uthatha nje ukugcina imali yakho phezulu uze uchithe konke okunye.
IsiCwangciso esiSebenzayo kuBomi boBomi
Ngaba le nto yayiza kudlala njani ebomini bokwenene? Ndincoma ukuba umise ukurhoxisa ngokuzenzekelayo kwi-akhawunti yakho yokujonga kwi-akhawunti yakho yokulondoloza. Qinisekisa ukuba ukuhoxiswa kwenzeka njalo ngosuku lokuhlawula (okanye kwiintsuku ezingama-1-2 emva komhla wokuhlawula, xa ukuhlawulwa kwakho kuhlawulelwa).
Ngale ndlela, imali ehlawula i-akhawunti yakho yokutshekisha iyakho ukuchitha. Yonke imali ichithelwa ngokugcina imali.
Ewe, ukugcina imali kwi-akhawunti efanayo yokulondoloza edibene neakhawunti yakho yokutshekisha kunokuyilingo. Kulula ukudlulisela imali kwakhona kwiakhawunti yakho yokujonga kwaye uyichithe. Ndiyincoma ukurhoxisa imali kwi-akhawunti yokulondoloza ebhankini eyahlukileyo.
Ngale ndlela, awuyi kubona ibhalansi xa ungena kwi-akhawunti yakho. Xa ungamboni akekho sengqondweni.
(Ngokukodwa ndimthanda i-SmartyPig, ibhanki ye-intanethi evumela ukuba udale iinjongo "zokulondoloza" ezahlukeneyo kwaye uqondise imali yakho kwiinjongo ezi zilandelayo.Ungafunda konke nge-SmartyPig apha.Ukuphepha nje ukulingwa ukusebenzisa imali ukuthenga amakhadi wesipho, apho i-SmartyPig izama ukukuqhubela ukwenza. Yiloo nto iyingozi kakhulu ye-SmartyPig, kwimbono yam.)
Akukho konke ukugcina kufuneka kungene kwi-akhawunti yokugcina imali. Ungayithumela enye yemali kwi-akhawunti ye-brokerage, njengeVanguard okanye iSwawa, apho ubeke khona i-akhawunti yokulondoloza umhlala-phantsi njengeRoth IRA.
Enyanisweni, ukuba uyasindisa kwisilinganiselo sama-80/20, ndiyakucebisa ukuba ininzi yolondolozo lwakho luya kumhlalaphantsi . Iingcali zicebisa ukugcina phakathi kwe-10 ukuya kwi-20 ekhulwini yengeniso yakho kumhlalaphantsi, kuxhomekeke kwiminyaka oqala ukuyilondoloza.
Ukuba uqala ukugcina iipesenti ezili-10 zomvuzo wakho ukuya kumhlala phantsi kwiminyaka engama-21, utyalo kumxube ofanelekileyo wee-stocks kunye nezibophelelo, ukulinganiswa rhoqo ngonyaka kwaye uhambelane nokwenza umrhumo wempesheni rhoqo, unokukwazi ukuhamba kunye nokugcina iipesenti ezili-10 kuphela umvuzo wakho kumhlalaphantsi.
Ukuba ulinda kude kube ngama-30 okanye emva kwakho, nokuba kunjalo, unokufuna ukugcina ipesenti ezili-15 okanye ngaphezulu ukuba ube neleyo .
Musa ukuma kwi-20 Ipesenti
Inqaku eligqibela lokugqibela: Ndiyicetyisa i-80/20 njengokuba ubuncinci kufuneka ugcine. Kuhlala kuluvo olukhulu ukugcina ngaphezulu. Emva kokuba ufikelele kwi-80/20, ngaba unokuziphosa kwizinga lokulondoloza i-70/30? Ngaba malunga ne-60/40?
Khumbula: ngaphezulu kokusindisa, uguquko oluninzi kunye nethuba oza kuba nalo. Uyakwazi ukwakha iphothifoliyo enkulu yomhlalaphantsi, uthathe umhlalaphantsi kwiminyaka embalwa ngaphambili, uthenge indawo yokuhlala, qalisa ishishini elincinci, uthathe ingozi yomsebenzi okanye ujonge izikhefu ezingaphezulu.