Umzekelo, ukuba ufudukela kummandla omtsha ukwenzela ukwenza utshintsho lomsebenzi, unokukrazula iindleko ezihambayo kwiholo lakho kunye neyiphi na indleko echaphazelekayo enxulumene nomsebenzi wakho. Ngokomzekelo, ukuba ungumfundisi wesikolo kwaye uthenge iimpahla zokufundela eziyimfuneko, eziza kutsalwa.
Ukusebenzisa ezi zithintelo kuya kukuvumela ukuba unciphise i-AGI yakho, enokubangela ukuba kubuyiselwe imali yentela .
Yintoni endiyicinga Ngeniso epheleleyo?
Imali engenayo yonke ibandakanya inzuzo evela kuyo yonke imithombo. Yimalini yemali, ngokuqhelekileyo kwi-paycheck, phambi kweerhafu zomvuzo. Nangona kunjalo, ingeniso yemali engenayo ivela kwimithombo engekho ngaphandle kokuhlawula ngeveki kubandakanya iibhonasi. Kwakhona kufaka inzala, igalelo, i-alimony, ipensheni kunye neengxowa-mali, ingeniso yepropati yokuqeshisa, iirhafu, kunye nayiphi na ingeniso evela kwi-shishini. Kwakhona, ukuba uthengisa kwi-eBay, i-Craigslist okanye nayiphina indawo esitolo se-intanethi, ufumene ingeniso evela kwinzuzo ngokuthengisa izinto. Imali engenayo eninzi iquka ukufumana imali ekuhlahlweni kwempahla, njengokuthengisa indlu okanye imoto, okanye nayiphina imali efunyanwe ngokuzenzele umsebenzi, ukubonisana kunye nemisebenzi yecala.
Imali engenayo engenayo ingabandakanyi nje imivuzo kodwa enye ingeniso yengqesho kunye nenzala kunye negalelo, kunye neenzuzo zexesha elide kunye nexesha elifutshane kunye neminye imithombo yengeniso .
Uhlengahlengiso lubandakanya ukuncitshiswa kwe-IRA, iindleko zokuhamba, kunye neendleko zoshishino ezingenakunyuswa.
Uluhlu lwemali engenayo olufaka isandla kwiholo lakho elipheleleyo lilonke kwaye unokufuna uncedo ekuqaliseni oko kuthethwa ingeniso, kwaye kungenjalo. Iprojekti yentela iya kukunceda uqonde yonke ingeniso efuna ukuxelwa kuorhulumente ngokubuza imibuzo kwintetho yerhafu, okanye unokucela i-akhawunti kumcebisi.
Ndingayichaza njani iMali Yemivuzo Ehlengahlengisiweyo?
Ingeniso Yakho Yesixa-mali ihlelwe kwiphepha lokuqala lokubuyiswa kwentlawulo yaseburhulumenteni yase-US. Le ngxenye ebalulekileyo yamaphepha ngoba isebenza njengesiseko somvuzo wengeniso ohlawulwayo. Ukuba wenza iirhafu zakho, sebenzisa isofthiwe yerhafu ukubala ngokuzenzekelayo i-AGI yakho. Ngale ndlela uza kuphepha naziphi na iimpazamo zeemathematika kuba isofthiwe iya kwenza zonke iirhafu zakho ngokuchanekileyo njengoko ikuhamba ngodliwano lwentlawulo .
Yintoni Enokunciphisa Imali Eninzi?
- Ezinye iindleko zoshishino, ezifana nezindleko zokubonelela, i-gas mileage okanye izixhobo zokusebenza zokuqeshisa
- Ezinye iindleko zokuhamba
- Isikolo sokufundiswa kweKholeji okanye inzala yomboleko
- Iminikelo kwiakhawunti ethile yomhlalaphantsi
- Izigwebo ezivela kumaziko emali ukurhoxiswa kwangaphambili kwindleko
- Ukuncitshiswa kwe-akhawunti yokugcina impilo
- Intlawulo yomsebenzi weJury ithunyelwe ngqo kumqeshi wejuror
- Intlawulo yeAlmony
- Ukuhlaziywa kwesiqingatha somvuzo wengqesho
- I-SEP-IRA, i-SIMPLE IRA kunye no-401 (k) ukuxothwa kwabasebenzi abaqeshisayo
Iyintoni Imali yeNgeniso?
Kubalulekile ukungadibanisi imali engenayo ngenzuzo engenayo. Imali engenayo ibhekisela ekuthatyweni kwintlawulo yekhaya okanye inani lemali efunyenwe emva kokuhlawula iirejista, ezifana neerhafu zerhafu kunye neentlawulo zentlalo, iintlawulo zokhuseleko loluntu, kunye neentlawulo zangaphambili zerhafu njengama-premium e-inshorensi yezempilo.