Akukho Bungakanani Bemihlaba-Yonke-Yonke Imali. Zama Ezi zikhetho ukuze Ufumane Iintando Zakho.
Abantu abaninzi bacinga "uhlahlo lwabiwo-mali" lu-cut-dry-one-size-all-regimen. Enyanisweni, akukho nto ingaba kude ne nyaniso. Kukho iindlela ezahlukeneyo zohlahlo lwabiwo-mali oluhambelana neentlobo ezahlukeneyo zokuzonwabisa. Nazi ezinye zeendlela ezikhethwa kakhulu.
01 Uhlahlo lwabiwo-mali
Uhlahlo lwabiwo-mali luyinto efika kwingqondo yabantu abaninzi kuqala. Uluhlu lwakho lwemali engenayo, dwelisa iindleko zakho, uze ufumane umahluko. (Ngethemba lokuba uzuza ngaphezu kokuchitha.)
Emva koko, ubeka iinjongo malunga nokuba ufuna ukuchitha phi kwiqela ngalinye, njengokutya, igesi kunye nokuzonwabisa.
Le nto ingaba yindlela ebalulekileyo yohlahlo lwabiwo-mali kubantu abaneenkcukacha ezijoliswe kwiinkcukacha kunye nabaninzi ixesha. Akunjalo kakhulu kubantu "abanomfanekiso omkhulu" abacinga, iintlobo zobugcisa kunye nabantu abaxakekile.
02 I-Budget 50/30/20
Isabelomali se-50/30/20 yisicwangciso esilula apho uchitha iindleko zakho kwiintlobo ezintathu: iimfuno, ukufunwa, kunye nokulondolozwa.
Iipesenti ezingama-50 zokuhlawula ekhaya kufuneka zihambelane neemfuno, iipesenti ezingama-30 kufuneka zinikezelwe ekufuneni, kwaye iipesenti ezingama-20 kufuneka zifakwe kwi-savings.
Ukwahlula iimfuno ezivela kwizinto ezinokuzikhethela kunokuba nzima. "Iimfuno" ziquka zakho izinto ezibalulekileyo kuphela. Unokucinga ukuba ukutya kukudinga, kodwa kukho izinto "ezifunayo." Ngokomzekelo, iziqhamo kunye nemifuno oyithengayo kwivenkile "yimfuneko," ngelixa ii-cookie ze-Oreo ezithengayo kwivenkile "zifuna."
Ukuhlahlela ndawonye phantsi kwe-ambulula ebanzi "yokutya" kukubangela ukuba udibanise "iimfuno" kwaye "ufuna."
03 I-Budget ye-80/20
I-Budget ye-80/20 ilula ngakumbi kune-50/30/20. Ngaphantsi kweli qhinga, uvele ugcine imali yakho yokugcina, uze uchithe ngokukhululeka.
Ipesenti ezingamashumi amabini ubuncinane kufuneka ulondoloze. Kufanele ubeke ubuncinane i-10-15 ekhulwini kwi-retrait. Ungasebenzisa ezinye izinto ezikhawulezileyo, ukuthenga imoto yakho elandelayo ngemali, ukulungiswa ekhaya, kunye nezinye iinjongo zokugcina ixesha elide.
Unokuguqula oku kuhlahlo lwabiwo-70/30, uhlahlo lwabiwo-60/40, okanye uhlahlo lwabiwo-50/50, ngokuxhomekeka kwindlela okhethileyo oyilondolozayo.
Ubuhle beli bhajethi kukuba xa ugcinwe ngolo hlobo, akudingeki ukhathazeke malunga nokuba yonke imali yakho iyaphi. Oku kwaziwa nangokuthi Zihlawulele indlela yokuqala yohlahlo lwabiwo-mali.
04 I-Accounts Savings Accounts Method
Nantsi uhlahlo lwabiwo-mali lwama-80/20: unokugqiba ukuba ungakanani imali oyifunayo ukuyigcina ngokufaka imali yakho kwi-akhawunti yokugcina imali esekelwe kwiinjongo zakho.
Uvula ii-akhawunti ezininzi zokulondolozwa kwaye unike ngamnye isiteketho esekelwe kwiinjongo ezithile, ezifana ne "Paris vacation" kunye "nokulungiswa kwemoto ezayo." Emva koko ubeka iinjongo ($ 2,000 kwihambo laseParis ngoJanuwari ozayo; i-$ 800 yokulungiswa kwemoto ngelo Matshi) kwaye ulwahlule iidola ngedatha yokujonga ukuba ungayilondoloza kangakanani inyanga nganye.
Ngoku ungenza imali yecala-mveliso inyanga nganye kwi-akhawunti yakho yokukhangela kwiakhawunti yakho yokugcina imali. Xa usuphelile, uchithe ngokukhululekileyo ukuphumla.
Iibhanki ze-intanethi njenge-SmartyPig zikuvumela ukuba wenze ama-akhawunti angaphantsi kwamalondolozi kwaye ulandele inkqubela yakho yohlahlo lwabiwo-mali.
05 Izixhobo zeBhajethi kunye neNkqubo
Le akuyona indlela "yohlahlo lwabiwo-mali," kodwa kubalulekile ukuthetha. Abantu abaninzi, ngokukodwa abo bafuna ukudala isabelomali-yenkxaso-mali yemveli, sebenzisa isofthiwe, izixhobo, kunye neenkqubo zokusebenza ukuzenzekelayo ukulandelela imali.
Iinkqubo ezinjengeziQinisekiso zobuNtu, ufuna uhlahlo lwabiwo-mali, kwaye iMint.com inokukunceda ukulandelela imali yakho kwiindidi ezahlukeneyo. Akuyi ku funeka ugcine i-paper-pen-pencil.