Ukuba ufuna ukugcina kunye nokuTyala imali engakumbi, Funda ukuzihlawula kuqala
Kuzo zonke iimali zomntu kunye nezakhono zokutyalomali eziye zaphuhliswa, enye yazo iphakame ngaphezu kwamanye ngokubhekiselele ekwenzeni kube lula ukugcina imali , kwaye yile qhinga elaziwa njengezihlawulela kuqala. Nangona kubonakala ngathi kulula ukusebenza, mhlawumbi ude usebenze, indlela yokuzihlawula yakho ibonakalise iingcambu kwizoqoqosho zendlela yokuziphatha kwaye ingenza umehluko oqhelekileyo kwisixa semali esilungeleyo ukuba uzibuthele wena kunye nosapho lwakho njengoko imali eyongezelelekileyo imali isakha ngokukhawuleza imali unokusebenzisa ukutshala imali kwiimpahla , ukutyalomali kwiibhonksi , ukwakha iipotifoliyo zeengxelo zeenkcukacha , nokuba uqale ukuqokelela imali evelisa i-real estate properties .
Ukuzihlawula ngokwakho ubuchule bokuqala, kodwa kungenakuzama ukuphumeza, ngokuqhelekileyo akukho xabiso, kwaye ungawuqalisa ngokucwangcisa okuncinci.
Yintoni ozihlawula yona yokuqala Indlela yokugcina imali?
Ukuzihlawula kuqala kukufuna ukuba uphathe imali yakho okanye utyalo-mali njengemithetho efuneka ukuba ikhowulwe ngaphambi kokuba kukho naziphi ezinye iindleko zakho ezihlawulwayo. Kwimigqaliselo eyenzelwe kakuhle, imali idluliselwa ngokuzenzekelayo ngoko ayifuneki amandla, ayigcinwe emthonjeni, njengokuba kubhaliswa kwisicwangciso se- 401 (k) , okanye ichithwe ngokuzenzekelayo kwi-akhawunti yakho yasebhanki. Ngokuxhomekeke kuhlobo lwenkqubo oyenzile, imali ingeniswa ngemali, mhlawumbi kwi- akhawunti yokulondoloza , okanye isetyenziswe ukukhulisa ubunini bakho beempahla ezivelisa imali engenayo .
Kutheni Uzihlawula Okokuqala Indlela Yokugcina Imisebenzi Yemali?
Zihlawule okokuqala kusekelwe kwinto yokuba imali, njengamanzi, iya kwandula ukuzalisa isitya apho ibeka kuyo.
Ukuba ungenayo injongo enjongo yemali yobomi bakho kwaye unjengezigidi zabantu baseMelika, mhlawumbi ufike ekupheleni kwenyanga nganye uze ufumane ukuphuka. Ubhambathisa ukuba inyanga ezayo iya kuba yinto eyahlukileyo kodwa akukho nto, nangona ufumana ixesha elide emsebenzini, thatha umsebenzi owongezelelweyo, okanye ufumane uhlobo oluthile lwenkohlakalo.
Kungakhathaliseki ukuba kuluphi umonakalo wemali kwi-coffers yakho, akubonakali ukuba uhlale ujikeleze ixesha elide.
Ngaphandle kwemibandela embalwa, efana noxakeko lwangxamisekileyo, ukufana kufumaneka kwiincwadi zakudala. Njengoko uShakespeare kaCassius wamlilela umngane wakhe, "Inkohlakalo, uBrutus othandekayo, ayikho kwiinkwenkwezi zethu, kodwa kuthi ngokwethu ..."
Abantu banomdla wokuzilungelelanisa neemeko ngokufaneleka. Ukongeza koko, sisengqondweni ngenxa yezinto ezithile okanye iimpawu zengqondo ezifana nomhlobo nje (umz., Uye kwiibhayisikobho, mhlawumbi ufuna i Coke kunye ne-popcorn). Iinkqubo ezithile zokuguqulwa kweendlela zokuziphatha ezifana nezo ziqeshwe ngabadlayo abangabonakaliyo - "Ngaphandle kokubona, ngaphandle kwengqondo." - basebenzise le nyaniso. Uthabatha ukungaphumeleli into ongayiboniyo ukuze isisombululo sabanye abantu sisuse isilingo ngokupheleleyo kunokufunda ukuwunqoba.
Yintoni enokuzihlawula ngayo Indlela yokuqala Yokugcina Imali Khangela Kwihlabathi Eliyinyani?
Omnye umzekelo wokuhlawula ngokwakho indlela yokuqala ubhalisela isicwangciso sokubuyisela i- dividend, okanye i-DRIP , kwaye imali ihoxiswe kwi-akhawunti yakho yokutshekisha okanye yokulondoloza ngokuzenzekelayo inyanga nganye ukuthenga izabelo ezininzi zesitampu sakho esiyintandokazi ye-bluetooth , ngelixa ikwahlula imali buyiselwa ngokuzenzekelayo ngaphandle kokuba ubabone.
Ezi zicwangciso zibiza ixabiso elincinci kuye kuxhomekeke kwisicwangciso esithile kunye neemali ezichaphazelekayo, kwaye ngamanye amaxesha kuya kuvuleka kunye nemali encinci (ukufunda ngaphezulu ukufunda njani Indlela yokuTyala nge $ 100 okanye ngaphantsi ).
Abafundi beblogi yam bodwa bayazi ukuba intsapho yam isebenzisa le ndlela ukuze bafundise omnye wabantwana bam omncinci malunga namandla okusindisa, ukutshala imali kunye nokuhlanganiswa. Ngokufumana i-$ 50 ngenyanga ngokuzenzekelayo ukuthenga izabelo zakhe ze-Coca-Cola esitokisini, wanikezelwa ngama-dollar ayi-13,000 ngokulingana okufanayo ngexesha lokuzalwa kwakhe okungama- 21 xa i- UTMA yakhe iphelile. Le mali ayizange iphantsi. Akukho mntu wakha wacinga ngako ngenxa yokuba yayingakaze ibonwe. Inkqubo yeCokeke yokulawula, i-Computershare, yangena ngasekuqaleni kwenyanga kwaye yakhupha kwi-akhawunti yokukhawuleza njengokungathi ibhajethi yokuhlawula ngokuzenzekelayo. Emva kokuba sele ekhulile ngokwaneleyo, nangona sithenge i-stock ngaphandle komthengisi , yahanjiswa kwi- akhawunti yakhe yomrhweba ngaphandle kwe-Computershare kwaye ngoku ihleli kwipotfoliyo yayo, enye yezinto ezinobunini.
Omnye umzekelo wokusebenzisa ukuhlawula isicwangciso sokuqala uza kusebenzisa inkokhelo yebhajethi kwibhankini yakho ukuhlawula ngokuzenzekelayo "i-bill" kwiRoth IRA yakho ngokungathi uhlawula umrhumo wamanzi okanye imali yakho. Ikhonkco yayiza kubhalwa ngokuzenzekelayo ngosuku oluthile lwenyanga kwaye ithunyelwe yi-bhanki kuphela, endaweni yokuya kwiindleko, unayo inkokhelo ethunyelwe kwi-firmware yakho. Xa umthengisi efumene isheke, uya kubona ibonakala kwi-akhawunti yakho. Iifama ezininzi zokurhweba zinikeza uhlobo oluthile lokuxhumeka kwikhompyutha, ngokunjalo, unako ukukrazula kwi-akhawunti yakho yokutshekisha okanye yokulondoloza endaweni yokusebenzisa i-bill yebhili ye-feature bill kodwa imiphumo emibi iphelile iyafana nabantu abaninzi nakumaziko amaninzi .
Enyanisweni, impumelelo ye-401 (k) isicwangciso senziwa ngenxa yokuhlawula ngokwakho indlela yokuqala. Enye yezinto ezikhangayo kunye nezidumileyo ezivela kwiimeko zoqoqosho zendlela yokuziphatha zenzeni namaxabiso ahlukeneyo okuxhamla phakathi kwamacandelo eentlanga ezahlukeneyo; ingxaki yobutyebi obungalingani emva koko ebomini obunzima kakhulu kubangela ukuba abanye bazibuze ukuba ubuhlanga bobuhlanga budlala. Abaphengululi bathi abaqeshwa abamnyama bokuqala abazange baqokelele impahla ngendlela efanayo nabaqeshwa abamhlophe nangona imvelaphi yabo yemfundo, amanqanaba emivuzo kunye nezinye iinjongo zifana zonke. Emva kokumba idatha kunye nokufuna impendulo, bayifumene: ibutho elibizwa ngokuba yi-intergenerational transmission. Abasebenzi abamhlophe bebekhulile ngokungaqhelekanga kwiintsapho eziphakathi kunye nabazali abafundele iikholeji. Ngenxa yoko, enye yezinto zokuqala ayenzileyo xa befumana umsebenzi wehlelwe phantsi kwisebe le-HR ekucebiseni intsapho yabo kwaye babhalisele i-401 (k), bekhetha ukuba nepesenti ethile yokuhlawula kwabo ukutshala imali kwiimali . Abazange babone le mali. Ngenxa yoko, abazange bahendwe ukuba bachithe. Abasebenzi abamnyama bokuqala, ngakwelinye icala, babengabikho obaxelela oko kwaye ke abazange baphoswe kuphela kwiintlawulo zerhafu kunye negalelo elifanayo, kodwa bathabatha imali yabo yokuhlawula ngokwefom yekheshi echithwayo. ukujonga i-akhawunti, yaba ngumnye umthombo wemali efumanekayo. (Isisombululo saphela sinobuchule.Ukuqonda ukuba enye indawo yezoqoqosho eziziphetheyo yayingabonakali abantu babengenakukwazi ukuphuma kwinkqubo kunokuba bafanele bangene kuyo ngenxa yokunyuka kwe-inertia, 401 (k) izicwangciso zatshintshile ukuze zonke Abasebenzi abatsha abafanelekile baqala ukubhalisa ngokuzenzekelayo. Ngokwexesha elifutshane, ukungalingani ngokobuhlanga phakathi kwabasebenzi abamhlophe nabomnyama njengama-401 k) amaxabiso aqala ukuwa. izakhiwo kufuneka zijonge kuyo njengokuba umzekelo onamandla wokutshintshwa kwezinto ezincinci kunokubangela iziphumo ezilungeleyo, ezingcono, kunye nezilinganayo kubo bonke ngenxa yokulinganisa inkalo yokudlala yolwazi.)
Zihlawule Iindlela Zokuqala Zokugcina Imali Ingakumbi Ngokusebenzayo Xa Ufumana Ukunyuswa okanye Ukuhlawula
Kukhona amandla anamandla awaziwayo njenge-decimal creep, okanye ukunyuka kwamaxabiso okuphila, okubangela abanye abantu abahlakaniphile ukuba baziphathe ngokungenakuziphendulela xa kuziwa kwimali. Kwenzeka ukuba ngaphaya kombindi othile, amadoda amaninzi nabasetyhini balinganisela iindleko ngeemeko ezihambelanayo, kungekhona imigaqo epheleleyo ; ukwenza isakhiwo esiyinkimbinkimbi, kodwa ngokukhawuleza ngokukhawuleza kwangaphakathi malunga nokusebenza kwabo kunye neendleko zabo. Ukuba wenza i-$ 40,000 ngonyaka kwaye uhlala ehotele enhle, unokuba unomdla wokuhlawula i-$ 28 ngamaqanda aqhekezayo kunye ne-toast evela kwinkonzo yegumbi. Kubonakala ngathi inkunkuma epheleleyo. Ukuba wenza i-$ 500,000 ngonyaka, unokungakhathazeki ngoku. Kungakhathaliseki ukuba siyayiqonda okanye cha, ininzi yethu ixabisa imali ngokusekelwe kwi-1.) kuthatha ixesha elingakanani ukuba silifumane, kwaye 2.) kunzima kangakanani ukufumana.
Indlela yokuphila yokunyuka kwamaxabiso ithatha kancane kancane kodwa ngokuqinisekileyo. Ubuqhetseba kukuba, umzuzu wokuphuma kwemali kunye neengeniso ukwandisa, unika yonke imali eyongezelelweyo ukuze uhlawule ngokwakho indlela yokuqala. Okokuthi, ukuba i-paycheck yakho yayiyi $ 4,000 kwaye ufumana ukuphakanyiswa ngoko kuya kuba yi-$ 4,600, yenza loo $ 600 ikhutshwe ukuze uhlawule imali yakho okanye utyalo-mali ngaphambi kokuba uyibone, ekushiye i-$ 4,000 ehlala kuyo. Ngokudala ukusweleka okungekhoyo, ukwakha ubutyebi kunye nokuqokelela imali enokuthi ibe neenjongo zokuvelisa; Imali enokukuhlamba ngeminye imivuzo, inzala, kunye neentlawulo . Ngoku unayo i-$ 7200 eyongezelelweyo iya kusebenzela wena unyaka ngamnye. Kungekudala, amandla okudibanisa angasebenzisa umlingo wayo.
Ngamanye amazwi, ukuhlawula okokuqala ngokwenene kuyinkqubo yokuthenga ukuzimela kwemali . Ngetshekhi nganye ubhala, ukuchithwa ngokuzenzekelayo kwakho ukukhipha kwi-akhawunti yakho, ucinga ukuba utyalombile ngokusesikweni, usondele ngakumbi ekunandipha ubomi bakho, uhlala phi, phi, kwaye ufuna njani.
Fumanisa amanqaku amaninzi malunga nokulondoloza imali
Ukufumana ulwazi oluninzi malunga nendlela onokuqalisa ngayo ukugcina imali, funda Isikhokelo soQeqesho soQeqesho sokuSindisa iMali , esiya kudibanisa nawe amanqaku amaninzi kunye neengqinisiso ngesihloko.