Uthando Nemali

Imibhangqwana ifuna ukuba yiMali ihambelane Ukuba ifuna ukuphephekisa isithintelo

Umthetho wesi-1 kwinqaku engayibhala kwiminyaka edlulileyo i- 7 Imithetho yoLwakhiwo lwezeMpahla kunye ne-Amassing Money ithi ukufumana iqabane elihambelanayo kubaluleke kakhulu ekuzuzeni ukuzimela kwezimali kunye nenkululeko. Kodwa njengoko mhlawumbi uyazi, ulwalamano kunye nokutyalomali zifundo eziyinkimbinkimbi kakhulu kwaye ukudibanisa ezi zibini ziyakwenza iresiphi yenhlekelele. Nakhu okumele uyenze kwaye akufanele uyenze ngemali yakho xa ubandakanyeka kakhulu nomntu.

Uthando kunye neMali yeNgxowa-mali 1: IiNkcazo eziManyeneyo kunye nama-akhawunti ahlangeneyo

Imibhangqwana kunye neengcali ziye zaxubusha malunga neakhawunti kunye kunye kunye kunye nabantu abanokukhumbula. Amacandelo amabini azama ukufumana umgomo omnye-ukudala umtshato oqinileyo ngelixa ugcina uxanduva lwemali. Iingxoxo zihamba into enje: 1.) ii-akhawunti ezidibeneyo zenza umgangatho wobunye obalulekileyo kubundlelwane. Ukuba uhlula imali, uthatha idijithi yokudibanisa ekufuneka ibe khona naluphi na ubuhlobo besikhathi eside, okanye 2. ii-akhawunti ezihlukeneyo zivumela ngamnye umntu ukuba alondoloze ukuzimela kwakhe, ngokuqinisekileyo ukuqinisa ubudlelwane.

Liliphi icala elungileyo? Ku xho mekeke.

Ngaphambi kokuba ungacinga nokucwangcisa ikusasa lemali kumntu, kufuneka ukhangele ukuba yeyiphi ubuntu obunayo. Ukuba ulawula iimali zakho, wenza izigqibo zakho zokutshala imali, kwaye unama- akhawunti afanelekileyo omhlala phantsi ngaphambi kokubandakanyeka, mhlawumbi uyaba nekrekrele ukuyeka ukulawulwa komntu nabani na - kuquka umntu onokuchitha nayo yonke imihla yobomi bakho.

Ngakolunye uhlangothi, ukuba ulungele ukusetyenziswa kwemali kunye nokusetyenziswa ngokukhululeka kwekhredithi, ingxaki ungakhetha ngokukhululekile ukuvula ii-akhawunti ezidibeneyo. Ekugqibeleni, ii-akhawunti kufuneka zidibene kuphela ukuba (kwaye oku kubaluleke kakhulu) zombini amaqela anoluhlobo olufanayo lomntu.

Uthando kunye neMali Yesiqendu 2: zombini amaqela kufuneka aphendule ngemali

Nceda uqaphele oku akuthethi ukuba omnye unelungelo lokucela imali nanini na uvakalelwa.

Ngokuqhelekileyo, ndiza kufumana iileta ezivela kwizibini ezikhalazayo ukuba indoda okanye umfazi uziva ngathi umntwana ufumana isibonelelo. Kwezinye iimeko, le ngxabano evumelekileyo. Ngokuphindaphindiweyo, xa kuthethwa ibali lonke, kuvela ukuba iqela elikulo mbuzo alinakukwazi ukuphatha imali.

Uthando Nomvuzo Umzekelo: Ibali leKent no-Elizabeth

Sonke singathatha isifundo ku-Kent no-Elizabeth Washington, isibini esinyanileyo esinawo amagama endiguqukile. Ngaphambi kokuba bahlangane, uKent wayephethe indawo yokutyela waza wenza i-$ 40,000 ngonyaka. Umfazi wakhe wayengumfundisi wesikolo esiprayimari owazisa ekhaya malunga nama-23,000. U-Elizabeth wanikwa i-$ 200 nganye ngeveki ukuthenga ukutya kunye nokunyamekela iindleko ezincinci zendlu. Wayecaphukisa kakhulu xa efumana 'isibonelelo' sakhe sokuba wamnika ama-Kent amaphepha ahlukeneyo ngenxa yokuba akazange avume ukutshintsha indlela alawula ngayo imali yeentsapho zabo. Wayevakalelwa kukuba, njengowesifazane ofundayo ofumana umvuzo wakhe, imali yayilungile.

Inyaniso yolu mbandela yayiyiyo, phambi kokuba imeko yabo yangoku, bobabini bahlule i-akhawunti. U-Elizabeth uthabathe i-$ 442.31 yee-weekly payck kwaye wayifaka kwi-akhawunti yakhe, ngokungathi wayengatshatanga. Iindleko zekhaya ezipheleleyo zazingaphezu kwama-35,800 zamawaka ngonyaka kuquka ukurenta, ukutya, njl.

Ngenxa yokuba wangenisa i-36.5% yemali engenayo, uKhen wagqiba ekubeni kufuneka ahlawule ipesenti enye yeebhili. Oku kwasebenza kwi-$ 13,067 ngonyaka. Iiveki ezimbini kwilungiselelo elitsha, uElizabhete wayesetyenzisile ukuhlawula kwakhe kwaye akahlawulwanga nayiphi na iindleko. Waya kumyeni wakhe waza wamxelela ukuba kufuneka ahlawule. UKent wavuma, kwaye ekugqibeleni, iindleko azizange zihlawulwe, uElizabhete wayengenayo imali. Ngokukhawuleza ngoku kwaye uElizabhete ngoku ufumana "isibonelelo" ngelixa iKent ilawula kakuhle imali yeentsapho zakhe, ukuqinisekisa ukuba amandla abo akavaliwe phakathi kobusuku.

Ukuziphatha? Ukhohlakele njengolu luvakalayo, uK Kent wayenecala. Ukuba wena okanye iqabane lakho lingenakukwazi ukujongana nemali, awufanelanga ukuba nokulawula xa unethemba lokubamba ubutyebi njengentsapho, ukufumana umhlala-phantsi okhululekile .

Oku kuyinyani ngakumbi ukuba unabantwana. Inyaniso yolu mbandela kukuba, ukuba uElizabethe wayekhe wedwa, iindleko zakhe zenyanga ziza kuba ziphakamileyo kuba iindleko zokulondoloza nomnye umntu ziza kupheliswa. Kwiinyanga ezimbalwa nje, mhlawumbi uya kubhekana neemeko zokutshatyalaliswa.

Lo awukho umdlalo; bubomi bakho. Ayikho i-overs okanye i-try-agains. U-Elizabethe wayephikisa ukuba wayeziva njengomntwana. Nangona ngamanye amaxesha ingxaki yinyani ngokwenene, kwiimeko ezinjengeyakhe, eso sizathu siyinkunzi. Ngokukhawuleza ukuba uElizabethe eqala ukusebenza njengomntu omdala kwaye ephethe imali ngokufanelekileyo, kufuneka abe nelungelo lokulingana kwimali yomtshato. Kuze kube ngoko, akunjalo. Kuba amadoda angaphandle apho abethayo - oku kukubandakanya. Ukuba umfazi wakho nguye osindisayo, utyalo-mali, kwaye ube ngumthwalo onoxanduva lwezezimali , kwaye ungekho mfuneko ukuba uchithe imali, awunalo ishishini lokwenza izigqibo zemali. Akulona ilungelo lakho "njengomntu" wendlu ukuba abe ngumthwalo wemali. Loo msebenzi ufanele uhambe kubafundi abafanelekileyo. Yiba nexanduva kwaye uthembeke kunye nawe ukuze uqaphele ukuba ngubani na ukuba uthetha ukuzimela ngokuzimela kwi-checkbook.

Uthando Nemali: Isisombululo Sakhelwe

Ukuba usasafuna ukuba ne-akhawunti edibeneyo, kodwa unenkxalabo malunga nesinye iqabane elikwazi ukulawula okanye ukuchitha inxalenye yotyalo-mali, ungesabi. Iindwendwe ezininzi zemali zinikezela "uphawu lwesibini" kwiingxelo zabo ukuqinisekisa ukuba imali ayikwazi ukuchithwa, ihoxiswe okanye ifakwe ngaphandle kwemvume ebhaliweyo yamabini omabini. Le nto yinto engabonakali nje kuphela ukukhawuleza iingxabano ezingabakho, kodwa uya kugcina imali. Emva koko, ukuba ufanele ufumane enye into ebalulekileyo ukuba uvumelane nayo yonke into yokuthenga, mhlawumbi ugqibe ukuchitha imali encinane, okulungileyo kubo bonke abathintekayo!

Imfazwe yoLuthando kunye neMigqaliselo yeMali

Enye into ekumele uyibukele kukuba impi evela kwiindlela ezahlukeneyo zokutshala. Ukuba umfazi wakho okanye umyeni uyinzala-mali kwaye unomdla kakhulu kwiindawo ezinobuninzi, ezinobungozi obuphezulu, kungakhathaliseki ukuba unoxanduva kangakanani, kuya kuba bubulumko ukuba ube neengxelo ezihlukeneyo. Ngaphandle koko, omnye okanye bobabini kuni uya kugqiba nokukhungatheka.

Ukuququmbela...

1. Ukuba wena kunye neqabane lakho ninemibono efanayo ngemali, utyalo-mali, nokugcina, ii-akhawunti ezidibeneyo.
2. Ukuba omnye okanye bobabini unomsebenzi we-shopaholic, khetha uphawu lwesibini kwi-brokerage yakho kwaye ukhangele iakhawunti.
3. Ukuba unezicwangciso ezahlukeneyo, fumana ii-akhawunti ezihlukeneyo! Kutheni kudala umthombo weengxabano?
4. Zineenjongo eziqhelekileyo kulwalamano lwakho. Oku akufanele kubekelwe kumali.
5. Gcina ikhadi elilodwa lekhredithi phakathi kokubini kwimizuzu engxamisekileyo okanye ukwakha i-credit.
6. Gcina umkhondo wezinto zakho zemali (zombini kunye kunye nomntu ngamnye) kwiphakethe efanelekileyo yeprogram efana ne-Quicken.

Ukufumana ulwazi oluthe xaxa malunga nokuba kutheni ukuhambelana kwezezimali kubaluleke kakhulu, funda iiNzuzo eziMali zoMtshato zonke izidingo zabatshali-mali .