Umlingiswa kaRachel Green ukusuka kwi-iconic show "Abangane" bekunomdla wokufumana imali yokuqala yokuhlawula, kodwa indlela yakhe yokuziphatha yayishintsha ngokukhawuleza xa ebona i-stuck yayo yokuhlawula.
"Ngubani na uFICA kwaye kutheni ufumana yonke imali yam?" wacela.
Njengabantu abaninzi kwi-20s yabo, wafunda isifundo esibalulekileyo malunga nokuncitshiswa kunye nentlawulo (kulo mzekelo, malunga noMthetho we-Federal Insurance Contributions Act, oxhasa uxanduva loKhuseleko loLuntu kunye neMedare).
Ukufunda umahluko phakathi kwentlawulo "eyimali ephezulu" kunye nentlawulo "ye-net" ngokokuqala ngethuba inokubakho i-call-up call yamacandelo eekholeji zakutshanje.
Ngaphandle kokusebenza njengendlela yokuvusa iimeko zentlawulo kunye nokunye ukugodla, i-paycheck yakho yokuqala ibonisa kwakhona ukuqala kwemali yabantu abadala, kwaye oko uyenzayo kunye nokuhlawulwa kokuqala okunokwenene kunokubeka itoni kwiimali zakho zemali. Nakhu okumele ukwenze xa kufika.
Sebenzisa i-deposit ngqo kunye ne-banking online. Ngokuqinisekileyo awuyi kuba nekhenkethi yokuzifaka kwi-payday, njengoko abaninzi abaqeshi banikela amandla okutshekisha kwangoko i-akhawunti yakho yokujonga. Ngoko ukuba uyazi ukuba imali ikhona kuwe, cinga ukukhuphela i-app yakho yeziko lemali kwaye ubhalisele izilumkiso zetekisi. Ishedyuli yakho yokuhlawula i-monthly pay (ngenyanga kabini ngenyanga) okanye ngeveki nganye (iiveki ezimbini).
Uhlahlo lwabiwo mali. Nasiphi na isiganeko, kubalulekile ukuqinisekisa ukuba awunayo inyanga ngaphezulu kuneemali.
Ukuqeshisa kunye neengxowa-mboleko zabafundi zifanele ukuhlawulwa ekuqaleni kwenyanga, ngoko ke qwaba uhlaziyo lweendleko zakho zenyanga. Izicelo ezinjengeMint, YNAB, Goodmoney, i-Mvelopes kunye ne-EveryDollar zinokukunceda ekulawuleni ukuhamba kwemali.
Okokuqala, kufuneka uququzelele iindleko zakho kwiindidi ezahlukeneyo. Qala ngeendleko ezibalulekileyo, ezibandakanya irente, iimali-mboleko zomfundi, ifowuni, izibonelelo, ukuhlawula imoto, inshuwalense yemoto, ukutya, njl.
Emva koko, ziquka iindleko zakho eziguquguqukayo. Eminye imimiselo yayiza kubonwabisa, ukutya, izambatho, ukunyamekela, njl. Uma unokuqonda ngemali engenayo yenyanga kunye neendleko, unokulawulwa kwemali yakho kunye nokucwangcisa ikusasa. Kubalulekile ukuba ne-savings-cash-short and build a long-term plan investment.
Iintsuku zeMvula kunye neMvulo. Lungiselela ukukhawuleza okanye amathuba, njengokulungisa imoto okanye iindleko zokuhamba ezihambelana nomtshato wesikolo somfundi. Ukuba nomkhumbi kunceda xa ufuna ukuhlawula i-bill yakho yefowuni kwaye kufuneka uhlawule irenti yakho, kodwa unako ukuhlawulwa kwemali mboleko okanye iindleko. Iingcali ezininzi zikhuthaza amagrafu amva nje ukuba agcine iindleko zeenyanga ezintathu.
Ayikwazi ukuthenga loo swag, ukuba awunayo imali. Isinyathelo sokuqala kukujonga i-stub yokuhlawula ukuqonda yonke ihlomelo. Kwakhona, ungakulibali ukubandakanya iiprimiyamu ze-inshorensi yezempilo. Ngokuqonda umahluko phakathi "okweqile" kunye "nethenda", unako ukujonga ukuba uza kuba nemali eninzi kwiimfanelo zakho zenyanga.
Londoloza lakho ikamva. Ukuba umqeshi wakho unika i- 401 (k) isicwangciso , bhalisa. I-401 (k) yinkalo yesicwangciso sokwabelana ngenzuzo evumela abasebenzi ukuba banikele inxalenye yomvuzo wabo kwii-akhawunti ngamnye.
Injongo yesi sicwangciso kukubeka eceleni imali yokuthatha umhlalaphantsi. Nangona abaninzi bebheka umhlalaphantsi njengengcamango yabazali babo okanye oogogo nomkhulu, kubalulekile ukuqala ukugcina ngokukhawuleza. Njengoko iindleko zokuphila ziphakama, kuya kuba njalo indleko yomhlalaphantsi. I-401 (k) isicwangciso siya kunceda ukugcina imali kwerhafu namhlanje, ukuqokelela ubutyebi kwixesha lakho elizayo kwaye usebenzise ixabiso lemali. Abaqashi abaninzi banikela ngeminikelo efanayo. Abanye abaqeshi bafanisa ipesenti ezili-100 zeepesenti zakho zokuqala ezi-3 kwaye abanye banokuba negalelo elongezelelweyo elinomdla.
Masiqhekeze amanye amanani njengomzekelo. Yithi umvuzo wakho wonyaka u-$ 52,000 kunye nentlawulo yakho ye-weekly ye-weekly ye $ 2,000. Ukuba unika ipesenti ezi-3 kwi-401 yakho (k), ke umrhumo wakho wee-week-week u-$ 1,940. Kulo mzekelo, umqeshi wakho unokulinganisa igalelo lakho le-$ 60 kwaye uza kusindisa i-$ 120 yonke inkokhelo yokujonga umhlalaphantsi.
Ubuninzi obunokufaka isandla kwi-401 (k) yi-$ 18,000. Inkokhelo enkulu kakhulu ayikushiya imali etafileni kwaye uqale ukubhalisa kwi-401k yakho) kungekudala xa ufanelekile.
Unetyala, unetyala, ukude usebenze. Emva kokugqiba ukucinga malunga nokuqala ukuhlawula loo mboleko yengxaki. Kukho izicwangciso ezininzi zokuhlawula, ezibonelela ukulungelelanisa okufunekayo. Ukuba awuyi kukhetha icebo lokubuyisela, uya kunikelwa iSicwangciso soRhoxiso oluMgangatho, oku kuthetha ukuba uya kuhlawula imali yakho mboleko kwiminyaka eyi-10. Ungatshintshela kwisicwangciso esithile nganoma naliphi ixesha ukuhambelana neemfuno zakho kunye neenjongo. Ukutyelela i-https: //studentaid.ed.gov kwaye ujonge ukulinganisela kokuhlawula i-calculator. Esi sixhobo sinokukunceda ukufumana isicwangciso sokubuyisela ngokufanelekileyo imeko yakho.
Uhlahlo lwabiwo-mali olulungileyo kusasa. Jonga inani elipheleleyo lemali oye wayihla emva kwemivuzo yabasebenzi, ukugcinwa komhlalaphantsi kunye nentlawulo. Thatha ixabiso leendleko zakho zenyanga ezifana nerenti, izibonelelo, ukutya, iitaliti zemali, iselfowuni, njl. Ukuba unenkathazo yokukhumbula xa iibhilikhwe zifanelekile, qwalasela ukuhlela iintlawulo ngokuzenzekelayo ngebhanki yakho okanye umboneleli wenkonzo ukuphepha iifizi zokugqibela.
Okokugqibela, zizuze ngokusebenza kwakho kanzima. Awudingi ukuhlawulela ngokuthenga okukhulu, kodwa ungathenga into encinane. Ukufumana ukuhlawula kwakho yokuqala kukufezekisa kwaye kufuneka ubhiyozele impumelelo yakho kule mfuneko ebalulekileyo.