Ngelo xesha, awufuni ukwenza uhlahlo lwabiwo-mali olubanzi njengebhajethi ye- 80/20 okanye uhlahlo lwabiwo - 50/30 /20 . Le mizekelo ikukhawulelana namacandelo amabini okanye amathathu kuphela. I-80/20, umzekelo, nje ukukhuthaza ukuba wenze iipesenti ezingama-20 yengeniso yakho ekulondolozeni kunye nama-80 ekhulwini kuyo yonke into.
Nangona iinjongo ezilungileyo zokwenza iipesenti ezingama-20 zengeniso yakho ukuze ulondoloze, unokufuna iinkcukacha ezingaphezulu kweminye yakho engenayo ngaphezu kokunye okunye.
Ufuna into encinane ngakumbi kwaye icwangciswe. NjengamaGoldilocks, ufuna indawo evuyayo phakathi kokugqithisa ezimbini. Uhlahlo lwabiwo-mali olufunayo luyakukuvumela ukuba uchithe imali yakho kwiintlobo ezintlanu okanye ezintandathu: azikho ezimbalwa, kodwa azikho ezininzi. Yintoni omele uyenze?
Cinga ukudala uhlahlo lwabiwo-mali olwenziwe kwiintlobo ezintlanu, njengalowo u-Today Show umhleli uJean Chatzky wadalulwa kwi- intrah yokutya kwetyala:
ZeZindlu
Izindlu kufuneka zibe neepesenti ezingama-35 zomvuzo wakho wokuthatha ekhaya. Oku kuquka ukuhlawulwa kwemali okanye irenti, yonke indawo yokulungiswa kwempahla kunye nokugcinwa kwempahla, iirhafu zepropati, iimpahla ezifana nombane, igesi, amanzi, kunye nokuhambisa amanzi, kunye nabaninikhaya okanye i-inshurensi. Ngamafutshane, iquka zonke izindleko ezihambelana nezindlu.
Zothutho
Izithuthi kufuneka zingathathi ngaphezulu kweepesenti ezili-15 zemivuzo yakho yokuthatha ekhaya.
Oku kuquka nayiphi na intlawulo yemoto oyenzayo, i-petroli, i-inshorensi yemoto, yonke ilungiso kunye nokulondolozwa, imali oyihlawulayo yokupaka, okanye-ukuba uhamba ngeenqwelo zorhwebo-imali ohlawula ityitile okanye ityitile yomgwaqo. Khumbula, ukuthutha akukhona nje ukuhlawula imoto yakho. Iquka yonke into: ukuhlawula imoto yakho, utshintsho lweoli, i-tune-ups yakho, kunye ne-radiator yakho entsha kunye nebhanti lexesha.
Ezinye iindleko zokuphila
Ezinye iindleko zokuphila, ezininzi iindleko zokuqonda, kufuneka zithathe iipesenti ezingama-25 zomvuzo wakho. Oku kuquka ukutya kwiivenkile zokuthenga, ukuthenga amathikithi ekonsathi, ukuthenga iimpahla ezintsha, ukuya kwimicimbi yezemidlalo, nokuthatha intsapho kwiholide elihle.
Lo ndolozo
Ukulondoloza kufuneka kudle i-10 pesenti yebhajethi yakho. Oku kubangelwa ngumhlalaphantsi kunye nokwakha i-fund yexakeka.
Iimboleko zetyala
Iintlawulo zemali kufuneka zidle iipesenti ezili-15 zomvuzo wakho. Oku kubandakanya amakhadi enkokhelo okanye iimali-mboleko zomfundi. Akubandakanyi ukuhlawulwa kwemali yakho okanye ukuhlawula imoto, ezidweliswe phantsi kwe "indlu" kunye "nokuthutha." Ingabandakanya nayiphi na intlawulo ehlawulwayo ekwenzeni imali yakho kunye nemali mboleko yemoto ngaphezu nangaphezulu.
Usenokuba ucinga: Lindela okwesibini, kutheni ukhuthaza umlinganiselo wokulondoloza ama-10 kuphela? Isabelo-mali se-80/20 kunye nesabelo-mali se-50/30 / Ewe, bayakwenza, kodwa njengoko uya kuphawula phantsi kwesabelomali se-80/20 kunye ne-budget ye-50/30/20, "ukugcinwa" kubandakanya ukuhlawulwa kwetyala.
Kule bhajethi yeesigaba ezintlanu, ugcino lwakho kunye netyala lubhalwe njengamacandelo ahlukeneyo amabini. Ngama-10 ekhulwini kwipesenti enye kunye ne-15 enye, ngokwenene usebenzisa ipesenti ezingama-25 (ngokupheleleyo) ngokudibanisa ukonga kunye nokuhlawula kwetyala.
Oku kukhulu kunobundlobongela kwaye kunomdla kunamanye amabini ahlahlo lwabiwo-mali. Sebenzisa le bhajethi yeesigaba ezintlanu ukuba ungathanda ukudala into encinci ngakumbi, kodwa ayinzima kakhulu.